vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
this company is reporting debt that is not mine and its hurting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX TX XXXX Subject : Formal Dispute of Inaccurate Late Payment XXXX XXXX  Dear Experian, I am writing to formally dispute the accuracy of a late payment being reported by XXXX XXXX on my credit file. The account in question is listed as follows : Creditor : XXXX XXXX Account Number ( partial ) : XXXX Reported Late Payment Date : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Status : 30 Days Late Reason for Dispute : I am disputing this late payment because I believe it is either inaccurate, unverified, or being reported in error. I am requesting that you open a reinvestigation into this matter and verify the accuracy of this late mark, including : The exact due date for the payment in question When the payment was received by XXXX XXXX Any applicable grace period or hardship arrangements that may have applied Documentation showing proper notification of delinquency Legal Basis : 1FCRA Section 611 [ 15 U.S.C. 1681i ] I am exercising my right to dispute information that I believe to be inaccurate or unverifiable. You are required to investigate and respond with results within 30 days. 
2FCRA Section 609 [ 15 U.S.C. 1681g ] I am requesting full verification, including all documentation used to support the late payment record. 
3FCRA Section 602 Congress requires consumer reporting agencies to ensure fair and equitable treatment and the utmost accuracy in reporting credit information.

Action Requested : Please contact XXXX XXXX and request complete documentation verifying the legitimacy and accuracy of the reported late payment. 
If the late payment can not be fully verified with appropriate documentation, it must be removed from my credit report. 
Please send me the full results of your reinvestigation and any documents used to verify the disputed entry. 

Thank you for your prompt attention to this matter. I am requesting this dispute be handled under my rights granted by the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX Last 4 of SSN : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX TX XXXX Subject : Formal Dispute of Inaccurate Late Payment XXXX XXXX  Dear Experian, I am writing to formally dispute the accuracy of a late payment being reported by XXXX XXXX on my credit file. The account in question is listed as follows : Creditor : XXXX XXXX Account Number ( partial ) : XXXX Reported Late Payment Date : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Status : 30 Days Late Reason for Dispute : I am disputing this late payment because I believe it is either inaccurate, unverified, or being reported in error. I am requesting that you open a reinvestigation into this matter and verify the accuracy of this late mark, including : The exact due date for the payment in question When the payment was received by XXXX XXXX Any applicable grace period or hardship arrangements that may have applied Documentation showing proper notification of delinquency Legal Basis : 1FCRA Section 611 [ 15 U.S.C. 1681i ] I am exercising my right to dispute information that I believe to be inaccurate or unverifiable. You are required to investigate and respond with results within 30 days. 
2FCRA Section 609 [ 15 U.S.C. 1681g ] I am requesting full verification, including all documentation used to support the late payment record. 
3FCRA Section 602 Congress requires consumer reporting agencies to ensure fair and equitable treatment and the utmost accuracy in reporting credit information.

Action Requested : Please contact XXXX XXXX and request complete documentation verifying the legitimacy and accuracy of the reported late payment. 
If the late payment can not be fully verified with appropriate documentation, it must be removed from my credit report. 
Please send me the full results of your reinvestigation and any documents used to verify the disputed entry. 

Thank you for your prompt attention to this matter. I am requesting this dispute be handled under my rights granted by the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX Last 4 of SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CT

Complaint narrative:
Dear XXXX XXXX XXXX Dispute Department, I am writing to formally dispute several accounts listed in your system that were fraudulently opened using my personal information without my authorization or knowledge. I am a victim of identity theft, and I am requesting the immediate removal of these accounts from any and all databases you maintain. 

Please find below the fraudulent accounts that must be investigated and removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: FL

Complaint narrative:
I am filing a complaint against GLA Collection Co Inc for unethical and potentially illegal credit reporting practices related to medical debt. 

I currently have multiple medical debts reported by GLA on my credit report. Two of these are nearly seven years old and should be reaching the statute of limitations for reporting. Another account is approximately two years old.

In XX/XX/XXXX, I sent written requests to GLA asking for a goodwill write-off of the older debts and a discounted payoff for the newer one. I explained my financial hardship, including the loss of my father, grandmother, and great-grandmother last year, and expressed a willingness to work with them toward a resolution. 

I never received any response to my letters. 

Instead, I was notified via email that a new account had been added to collections. Upon review, I discovered that this new account was the exact same debt from two years ago now re-reported under a different open date. This appears to be an intentional attempt to re-age the debt, which is a violation of the Fair Credit Reporting Act ( FCRA ).

I now have two entries for the same {$2100.00} debt from GLA on my XXXX  credit report, with different open dates ( XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  ). This not only inflates the appearance of my debt but also falsely resets the reporting timeline. 

I have already disputed the duplicate account with XXXX. However, I believe this behavior should be formally investigated to protect other consumers from similar treatment. I was willing to work with GLA in good faith, and instead they responded by undermining my credit further through deceptive reporting practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
to whom it may concern, I am writing to formally dispute any and all debts that have been reported to your agency by XXXX XXXX XXXX transunion. I am revoking their right to communicate with me via email, text or phone calls. I request full validation of the debt, including the purchase agreement between the collection agency and the original creditor. Additionally, I ask that they provide proof that they are licensed and bonded to collect debts in my state. in support of this request, I am citing the following laws.

12 CFR 1006.34 ( b ) ( 5 ) 12 CFR 1006.34 ( d ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 15 USC 1681s-2 ( 7 ) ( A ) Thank you for your prompt attention to this matter. I look forward to your confirmation that the requested information has been provided and that all communications from the collection agency will cease unless its in compliance with the laws cited above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against Equifax for inaccurately reporting a charged-off account from XXXX XXXX XXXX XXXX The account was charged off over a year ago, paid in full, and closed. However, Equifax continues to report the account as Collection/Chargeoff and Derogatory as recently as XX/XX/XXXX, despite a {$0.00} balance, {$0.00} past due, and the comment Paid charge off.

This reporting is misleading, inconsistent, and violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) : Equifax reports contradictory data listing the account as charged off while showing a perfect history of OK monthly payments with no delinquencies.

FCRA 1681i ( a ) : Equifax failed to properly reinvestigate the disputed account after I submitted multiple formal disputes.

FCRA 1681s-2 ( b ) : No documentary evidence has been provided to support continued derogatory reporting. No 1099-C cancellation form was disclosed.

Pattern of Misreporting : Equifax shows the account as updated in XXXX despite no activity since XXXX, which misrepresents the timeline and harms my credit. 

This account has already been reported to the FTC under Report # XXXX. I am requesting an immediate reinvestigation, correction, and removal of all inaccurate and misleading data regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : FORMAL FCRA DISPUTE DEMAND FOR DOCUMENTATION UNDER FCRA 611 & 623 ( b ) To Whom It May Concern, This letter serves as a formal dispute of multiple accounts currently being reported on my Equifax credit report. Under my legal rights granted by the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S.C. 1681i ) and 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ), I am demanding that Equifax conduct a reasonable and documented reinvestigation of each account listed below. 

The following accounts are disputed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required by federal law to provide the following documentation for each account listed above : A copy of the original signed contract or agreement that allegedly binds me to the debt. 
A full payment history and breakdown of how the balance was calculated. 
All documents and records used to verify the information reported to Equifax. 
The name, contact information, and date of verification from the data furnisher. 
Proof that the data furnisher had a permissible purpose under FCRA 1681b to report this information.

ARBITRATION & LEGAL NOTICE If I discover that you relied on e-OSCAR, your automated system, to verify these disputes without conducting a real, manual investigation, I will file for arbitration under the terms of your consumer agreement. Use of e-OSCAR in this matter is not considered a reasonable reinvestigation under FCRA 611, and it violates 623 ( b ) by enabling furnishers to skip their legal duty to verify.

If you do not respond within 30 days with full documentation, I will take the following action : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Iowa Attorney Generals Office Submit arbitration claims for damages, deletion, and attorneys fees Pursue civil litigation for your willful noncompliance under FCRA 616 and 617 This letter serves as your final legal notice. If the disputed accounts can not be properly verified with documentation, they must be removed from my credit report immediately. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have repeatedly notified TransUnion of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of my consumer rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief