vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because my consumer report is showing wrong addresses, inaccurate late payments, accounts I do not recognize, collection accounts I have no knowledge of, and an unauthorized inquiry. These errors violate FCRA and FDCPA requirements for accuracy and proper verification. I have disputed these items but the bureaus failed to conduct a proper reinvestigation under FCRA 611 ( a ). 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have no connection to this location and reporting it is unlawful because under FCRA 602 ( A ) and 609 ( A ) you must maintain accuracy and verify identifying information. You did not verify this and must delete it immediately under 611 ( A ). 

ACCOUNTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance Owed : {$400.00} I have no knowledge of this charge-off account and never authorized or opened it and reporting this after my first dispute violates FCRA 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ). Furnishing unverified negative information is prohibited and must be deleted immediately. 

XXXXXXXX XXXX XXXXXXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$490.00} The late payment history reported is inaccurate because I have never made a late payment on this account and reporting false delinquency violates FCRA 602 ( A ), 607 ( B ), 623 ( A ) ( 1 ) ( A ), and 623 ( B ). Correct the history to show on-time payment and remove all late marks immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$380.00} This late payment reporting is false and unlawful because I have never been late and under FCRA 602 ( A ), 607 ( B ), and 623 ( A ) ( 1 ) ( A ) you must not report inaccurate payment history. Update this account to reflect perfect payment history. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$31000.00} This late payment claim is inaccurate because I have never missed or failed to make any required payment. Under FCRA 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ) you can not report false delinquency and must correct this immediately. 

INQUIRY XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry was not authorized by me and under FCRA 604 ( A ) ( 2 ) and 607 ( B ) you can not allow a hard inquiry without written permission or permissible purpose. Remove this immediately because it violates federal law.

I request CFPB intervention to force a full lawful reinvestigation and delete all unverifiable, inaccurate, or unauthorized items as required by FCRA 611 ( a ) and FDCPA standards.

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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was scammed out of {$2700.00} via wire transfers from my bank ( Wells Fargo ) to the scammers account ( XXXX XXXX XXXX XXXX There were XXXX wire transfers made from my account XXXX on XX/XX/year> for {$2200.00} and XXXX on XX/XX/year>. I was under the assumption that I was renting an ap apartment from a company called Invitation homes. These people did not actually work for invitation homes. I did not authorize these transactions. As soon as I realized the money was gone and that this was a scam I reported it to my bank ( Wells Fargo ) on XX/XX/year>. Now yesterday XX/XX/year> I received a notice from my bank saying that the funds can not be returned from me. This set up was a complete scam. I did not authorize these transactions and I can not afford to lose nearly {$3000.00}. My bank need to make thins right

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 2025-11-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached 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 explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and car loans opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-11-21 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: TX

Complaint narrative:
It gives a false impression of my financial principles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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 2025-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Receiving texts stating a particular XXXX, XXXX and XXXX is pursuing debt collection for XXXX XXXX. Asking me to contact for options to make payments.

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 2025-11-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code XXXX ) says ( XXXX ) 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 XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX, 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 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and car loans opened with XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-21 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: CA

Complaint narrative:
I am filing this complaint because my consumer report is showing wrong addresses, inaccurate late payments, accounts I do not recognize, collection accounts I have no knowledge of, and an unauthorized inquiry. These errors violate FCRA and FDCPA requirements for accuracy and proper verification. I have disputed these items but the bureaus failed to conduct a proper reinvestigation under FCRA 611 ( a ). 

ADDRESSES XXXXXXXX XXXX XXXX XXXX, CA XXXX This incorrect address remains on my report even after notice and 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 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance Owed : {$400.00} I have no knowledge of this charge-off account and never authorized or opened it and reporting this after my first dispute violates FCRA 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ). Furnishing unverified negative information is prohibited and must be deleted immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$380.00} This late payment reporting is false and unlawful because I have never been late and under FCRA 602 ( A ), 607 ( B ), and 623 ( A ) ( 1 ) ( A ) you must not report inaccurate payment history. Update this account to reflect perfect payment history. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$31000.00} This late payment claim is inaccurate because I have never missed or failed to make any required payment. Under FCRA 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ) you can not report false delinquency and must correct this immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Collection Date Opened : XX/XX/XXXX Balance Owed : {$190.00} This is another account I do not recognize and never authorized. Reporting this collection violates FCRA 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ). This must be removed permanently.

I request CFPB intervention to force a full lawful reinvestigation and delete all unverifiable, inaccurate, or unauthorized items as required by FCRA 611 ( a ) and FDCPA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Company Reporting the Debt : Radius Global Solutions XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX Phone : XXXX Original Creditor : XXXX XXXX XXXX XXXX ( XXXX ) Account Information ( as it appears on my credit report ) : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Reported : {$1300.00} Date Opened : XX/XX/year> Last Updated : XX/XX/year> Status : Collection/Charge-off Remark : Placed for collection Description of Complaint / Reason for Dispute : I am disputing this collection account because I believe it is inaccurate and/or improperly reported on my credit report. 

Specifically : 1. I do not recognize owing a balance of {$1300.00} to XXXX XXXX XXXX XXXX ( XXXX ). 
2. I have not received proper validation of the debt from Radius Global Solutions as required under the Fair Debt Collection Practices Act ( FDCPA ).

3. The collector began reporting to credit bureaus on XX/XX/year>, but I was not notified of the alleged debt beforehand. 
4. Without proper validation, the reporting of this account is incomplete, inaccurate, and unfairly damaging to my credit, which is a violation of the Fair Credit Reporting Act ( FCRA ).

Requested Resolution : I am requesting that the CFPB require Radius Global Solutions to : 1. Provide full validation of the alleged debt, including : Itemized statement showing how the {$1300.00} balance was calculated Proof the debt is mine Proof Radius Global Solutions has the legal right to collect Copies of any billing statements, contracts, or service agreements OR, if they can not validate : 2. Immediately remove this collection account from all credit bureaus ( XXXX XXXX XXXX XXXX

I also request that you ensure the collector stops reporting inaccurate information during the investigation. 



Supporting Documentation : I have attached a screenshot from my credit report showing the disputed account exactly as it appears.

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 2025-11-21 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: IL

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 1681XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: OR

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : Equifax ( XXXX ), XXXX  ( XXXX ), and XXXX  ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$8700.00} XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$180.00} XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1600.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1000.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$13000.00} XXXX Account XXXX : XXXX, Date : XX/XX/XXXX, Balance : {$510.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXXL, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TransUnion responded and said it was done through a 3rd party service that I paid for. Thats not true. I did everything myself and researched everything I needed for my claim. Its just a really well written document that looks professional but I did it all myself. XXXX XXXX XXXX XXXX. Please grant the inquiries I requested, please. God Bless

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 2025-11-21 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: LA

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