vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX  was sent to me from XXXX. It was deemed that I no longer needed I pad hence it was sent back to XXXX unopened and unused. XXXX verified that the had received item in tact. Currently I am receiving a bill from Radius Global Solutions LLC XXXXXXXX XXXX XXXX XXXXXXXX, MN XXXX billing me for the item that has been retuned to 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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To : Transunion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute of Charge-Off Request for Investigation and Deletion Under 15 U.S. Code 1681c ( c ) ( 2 ) Dear XXXX  XXXX XXXX I am writing to formally dispute the accuracy and continued reporting of a charge-off account that appears on my credit report. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date of Last Activity or First Delinquency : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c ( c ) ( 2 ), any item of adverse information that has been resolved, paid, settled, or is beyond the seven-year reporting period must be deleted if a written request is made by the consumer. I am exercising that right under federal law. 15 U.S. Code 1681c ( c ) ( 2 ) states : A consumer reporting agency shall not furnish a consumer report that contains any item of information about a consumer after the expiration of the period described in subsection ( a ) [ typically 7 years ], except as authorized under subsection ( b ). I am formally requesting that you : Conduct a reinvestigation of this charge-off account as required by 15 U.S. Code 1681i ( a ). Verify the accuracy, completeness, and legality of the reporting of this account. Delete the charge-off account if it is unverifiable, incomplete, or beyond the statutory reporting period. Send me written confirmation of your findings and the outcome of your investigation within 30 days as required by law. If this account can not be fully verified and updated in compliance with all federal regulations, it must be deleted from my credit report. This letter is sent in good faith in accordance with my rights under the Fair Credit Reporting Act. Please consider this my formal dispute and request for deletion under federal law. Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To : Transunion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute of Charge-Off Request for Investigation and Deletion Under 15 U.S. Code 1681c ( c ) ( 2 ) Dear XXXX  XXXX XXXX I am writing to formally dispute the accuracy and continued reporting of a charge-off account that appears on my credit report. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date of Last Activity or First Delinquency : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c ( c ) ( 2 ), any item of adverse information that has been resolved, paid, settled, or is beyond the seven-year reporting period must be deleted if a written request is made by the consumer. I am exercising that right under federal law. 15 U.S. Code 1681c ( c ) ( 2 ) states : A consumer reporting agency shall not furnish a consumer report that contains any item of information about a consumer after the expiration of the period described in subsection ( a ) [ typically 7 years ], except as authorized under subsection ( b ). I am formally requesting that you : Conduct a reinvestigation of this charge-off account as required by 15 U.S. Code 1681i ( a ). Verify the accuracy, completeness, and legality of the reporting of this account. Delete the charge-off account if it is unverifiable, incomplete, or beyond the statutory reporting period. Send me written confirmation of your findings and the outcome of your investigation within 30 days as required by law. If this account can not be fully verified and updated in compliance with all federal regulations, it must be deleted from my credit report. This letter is sent in good faith in accordance with my rights under the Fair Credit Reporting Act. Please consider this my formal dispute and request for deletion under federal law. Sincerely, XXXX XXXX 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 2025-07-06 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: GA

Complaint narrative:
Experian AND Transunion are illegally reporting Inaccurate and incomplete information on my credit report!

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 2025-07-06 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-06 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
This company is committing furnisher abuse. This account is inaccurate and has already been deleted from my credit profile and should be deleted and blocked immediately. See attached document for statement. A screenshot is also attached including a date reported XX/XX/year>. This information is inaccurate and should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: MS

Complaint narrative:
On XX/XX/XXXX, I submitted a formal dispute to Equifax regarding inaccurate and incomplete information on my consumer credit report. As of today, XX/XX/XXXX, Equifax has failed to respond, investigate, or correct the erroneous data within the 30-day statutory period mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). This failure constitutes a direct violation of federal law and has caused ongoing harm to my creditworthiness and financial standing. Their lack of reinvestigation and verification obligations under 1681i mirrors the precedent established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), which requires consumer reporting agencies to conduct a reasonable investigation rather than simply parrot data from furnishers. 

Additionally, Equifaxs continued publication of false and inaccurate information violates 15 U.S.C. 1681e ( b ), which mandates the use of reasonable procedures to ensure maximum possible accuracy. Equifaxs disregard for this statutory requirement and their non-response to my written dispute indicates willful noncompliance, as addressed in Dennis v. BEH-1, 520 F.3d 1066 ( XXXXXXXX XXXX XXXXXXXX ), and potentially entitles me to statutory, actual, and punitive damages under 15 U.S.C. 1681n and 1681o. I am requesting immediate enforcement action against XXXX  and a directive to correct or delete the disputed data immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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:
This is a formal escalation under the Fair Credit Reporting Act ( FCRA ) 605B regarding TransUnions continued failure to comply with federal law. My initial identity theft dispute was submitted to the CFPB on XX/XX/XXXX, with all required supporting documentation, including : FTC Identity Theft Report Government-issued ID Social Security card Proof of address Complete TransUnion credit report While two fraudulent accounts were removed, TransUnion has failed to block multiple remaining items that are directly tied to identity theft. This selective action is both incomplete and unlawful. 

The following entries remain and must be immediately deleted : Unauthorized hard inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX False employer entry : XXXX  I have never listed or used this designation. 
Correct employer : XXXX XXXX XXXX Per FCRA 605B ( b ) and 605B ( c ) ( 1 ), TransUnion is legally required to block all identity theft-related information within 4 business days of receiving a valid dispute. The law does not permit partial action or selective removal. By failing to block these entries, TransUnion is now in ongoing, willful violation of federal statute. 

This failure has direct consequences : It is damaging my credit, interfering with my access to financial services. 

It is compounding emotional distress, as I continue to be penalized for records that are not mine. 

It constitutes negligent and reckless handling of consumer data. 

I am documenting every delay, omission, and violation for potential regulatory referral and, if necessary, legal escalation.

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 2025-07-06 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 disputed a collection account reported by [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] because the reported dates, account status, and details are inaccurate and unverifiable. The date opened, last active, and status differ across credit bureaus and are not supported with any documentation. Despite my Experian dispute, the account was not corrected or deleted. This violates the Fair Credit Reporting Act ( FCRA ), which requires only accurate and verifiable data to be reported.

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 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
Someone made unauthorized transactions on my account. I disputed them and they dented it twice. I provided proof that I was not in that city where the transactions were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Monterey Financial Services LLC
State: LA

Complaint narrative:
The following accounts do not belong to me. I am a victim of identity theft. I have already filed an ftc report, which I will also upload to support my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
The following accounts do not belong to me. I am a victim of identity theft. I have already filed an ftc report, which I will also upload to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
S

ubject : Request for Debt Validation Pursuant to 15 U.S.C. 1692g To Whom It May Concern : I am writing in response to your recent attempt to collect a debt, referenced as Account #, which you allege I owe. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I hereby request that you validate this debt as required by 15 U.S.C. 1692g ( b ). Specifically, I am requesting the following : The name and address of the original creditor ; The original amount of the alleged debt, and an itemized breakdown of any interest, fees, or charges added ; A copy of the original signed agreement or contract that gives you the right to collect this debt ; Proof that you are licensed
to collect debts in my state ( if required ) ; Documentation showing the chain of title ( proof of assignment or sale ) if the debt was purchased or transferred from another entity. 


Until this information is provided, I request that you cease all collection activities, including reporting this debt to the credit bureaus or pursuing legal action. 
Please note that any attempt to validate this debt using only screenshots, spreadsheets, or unverifiable records is not acceptable. I expect clear and complete documentation proving that the debt is valid and that your agency has the legal right to collect it. 
If you can not validate this debt within 30 days, you must cease collection efforts and delete any reference to this debt from my credit reports in accordance with the FDCPA. 
This is a formal notice, and I am documenting all communications for record-keeping purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against SAFCO XXXX Southern Auto Finance Company ) regarding their failure to report my auto loan to the credit bureaus as they promised. 

On XX/XX/XXXX, I provided SAFCO with the documents they requested in order to update my information and associate my auto loan with my credit report. I submitted : My Social Security Number ( SSN ) My current residential address A copy of my drivers license I was told that within XXXX hours, the account would appear on my credit report and be linked to my file. However, as of today, over a month has passed, and the loan still does not appear on my credit report with any bureau ( XXXX XXXX XXXX XXXX XXXX 

I have made consistent payments on this loan for approximately XXXX years, and this lack of reporting is negatively affecting my credit profile, since my payment history is not being reflected. 

I request the CFPBs assistance in having SAFCO fulfill their obligation and begin reporting the loan to the credit bureaus as they promised. 

Thank you for your attention and support. 

Sincerely, XXXX XXXX Date of Birth : [ XX/XX/XXXX ] Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased a health supplement online through PayPal. The total charge was {$510.00} USD. After using part of the product in good faith, I noticed serious concerns that the product might not be genuine or accurately advertised. 
I found the following problems : The product I received was not as described on the website. 
The label included an unauthorized XXXX logo, which violates regulations. 
The ingredient list was vague and incomplete. 
The seller operated multiple inconsistent websites. 
The return policy claimed to offer a XXXX money-back guarantee, but the terms were unclear and potentially misleading. 
Based on the combination of these issues, I feel that the sellers practices may be designed in a way that could mislead consumers into making a purchase without fully understanding the true nature of the product. 
I stopped using the product and submitted a dispute to PayPal under product not as described on XX/XX/XXXX. 
Between XX/XX/XXXX and XX/XX/XXXX, I submitted extensive evidence to support my claim. While my main refund request was for the most recent purchase on XX/XX/XXXX, I also raised concerns about XXXX previous transactions from XXXX and requested full refunds if possible : XX/XX/XXXX {$99.00} XX/XX/XXXX {$530.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$510.00} However, PayPal closed my case, stating it was not covered by Buyer Protection because some of the product had already been consumed. They overlooked the fundamental issue of misrepresentation and possibly deceptive marketing strategies. I appealed the decision by reopening the case, but PayPal upheld their original conclusion without addressing the serious concerns I raised. 
I believe PayPals decision was unfair and that they failed to properly review the case. I am requesting the CFPBs assistance in evaluating their handling of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-06 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief