vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-08-13 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I am a XXXX XXXX XXXX XXXX, senior citizen that Radius global solutions has been calling me frequently And threatening me concerning a debt that does not belong to me None of the information from the originator XXXX of this dept matches my information yet radius global solutions continues to harass and threaten me for this debt They have never verified this debt which appears to be a case of identity theft. 

Name they have on this debt does not match the spelling of my name XXXX XXXX. Instead of XXXX. 

Radius reference number XXXX XXXX of New Jersey account number XXXX concerning a property located at XXXX XXXX XXXX XXXX XXXX New Jersey 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 2025-08-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX To : Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX And to each debt collector listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : Combined FCRA Dispute and FDCPA Debt Validation 15 U.S.C. 1681i, 1681s-2, 1692g Dear Credit Bureau and Debt Collector, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and a request for full debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my credit reports from Equifax ( dated XX/XX/XXXX ) and TransUnion ( dated XX/XX/XXXX ), I found the following items to be inaccurate, unverifiable, and/or not mine : Disputed Accounts Equifax XXXX XXXX XXXX {$2500.00} Reported XXXX. XXXX, XXXX XXXX XXXX XXXX {$260.00} Reported XXXX. XXXX, XXXX XXXX XXXX XXXX {$400.00} Reported XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX {$680.00} Reported XXXX. XXXX, XXXX XXXX XXXX XXXX {$3000.00} Reported XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX {$1000.00} Reported XXXX. XXXX, XXXX Basis of Dispute : These accounts lack proper verification of ownership or contractual obligation. 


Some m

ay be the result of errors, identity theft, or inaccurate reporting. Without complete, verifiable evidence, these entries must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ). To the Credit Bureaus : Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of each disputed item. If you can not obtain verification from the furnisher, you must delete the item from my credit file.

To the Debt Collectors : Under 15 U.S.C. 1692g ( b ), you must provide the following within 30 days of receipt of this letter : The original creditors name, address, and account number. 


A copy of the original signed contract or agreement. 


A full accounting and payment history from the original creditor. 


Documentation showing you are licensed to collect in my state. 


If you can not provide this information, you must cease all collection activity and request deletion from all credit bureaus. Any continued reporting of unverified debts is a violation of 15 U.S.C. 1692e ( 8 ).

This letter is being sent via Certified Mail with return receipt requested to maintain proof of delivery. You have 30 days to respond. 

Failure to comply will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and any other relevant regulatory agencies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Experian and TransUnion continues to refuse to Dispute a fraudulent account opened on my behalf because there is a payment History attached to it I submitted a fraud report from FTC as proof this is not My account but they refuse to delete the account because of payment history that was not made by me, the account was eventually removed and then reappeared again this is fraud and identity theft DELETE XXXX XXXX AS FRAUD NOT MY ACCOUNT NAME AND ADDRESS DOES NOT MATCH

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 2025-08-13 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: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-13 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sequoia Financial Services
State: TX

Complaint narrative:
There is a false claim that on XX/XX/year>, an at fault accident occurred. I was not at fault on any accident in regards to this date. I have received a XXXX  letter from a collection agency dated for XX/XX/year> making a false claim. The letter stated that my license should be suspended regarding a property damage of {$6900.00} from an XXXX. It also lists an address for Department of Public Safety in the heading. Im not sure if theyve been contacted or not. I havent been involved in any at fault accidents and would like this documented and reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello I purchased an engagement ring from a local Jeweler and used their interest free option for 12 months using that was through Wells Fargo. I was making auto payments for about 10 months. With about XXXX months before the interest free time was expiring I scheduled XXXX payments to cover the total amount. The first payment went through and I found a few months later that they did not accept the XXXX and final payment because the amount was {$.00} cents over the account balance. To be clear I made the payment amount for too much and is why they did not accept it. 
I was not aware of this for months and my auto payments continued to come out of my account without my knowledge. 
I spoke to Wells Fargo and they were very rude and said that there is nothing that they can do. I also filed a complaint with them formally but the response is not able to be seen since it was a secure message and the login does not work. I've call to get help and the representative hangs up the phone.

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 2025-08-13 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: MS

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: MS

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.

Complaint narrative:
XXXXProduct: Bank account or serviceXXXXIssue: Problem getting funds from an accountXXXXCompany: Relay Financial, Inc.XXXXWhat happened:XXXX  I am the sole member of XXXX XXXX XXXX formerly registered in the United States and now legally dissolved.XXXXWhen closing my Relay Financial business account, the bank issued a check for USD XXXX to the XXXX. However, the check expired before I could deposit it because the XXXX no longer had an active bank account.XXXXUnder state XXXX  dissolution statutes and UCC Article 4A  Funds Transfers, the remaining funds of a dissolved XXXX  must be distributed to its members. I am the sole member and rightful beneficiary of these funds.XXXXOn XXXX XXXX XXXX I formally requested in writing that Relay Financial reissue the payment and send it to my personal account via ACH or wire transfer. I provided full banking details and legal justificationXXXXRelay Financial refused to process this lawful request without providing any valid legal reason.XXXXBy retaining these funds, Relay Financial is wrongfully withholding property that belongs to me personally as the sole member of the dissolved XXXX. This violates:XXXXState XXXX  dissolution statutesXXXXUCC Article 4A  Funds TransfersXXXXThe duty of good faith and fair dealing under U.S. banking lawXXXXI am requesting that the CFPB intervene to ensure Relay Financial immediately releases the USD XXXX to my personal bank account and stops unlawfully holding my fundsXXXXMy contact information:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: NH

Complaint narrative:
On Wednesday XX/XX/XXXX, I paid {$17.00} to have a replacement card sent to me via XXXX because my Direct Express XXXX card was stolen. I received it on Friday XX/XX/XXXX. I have called numerous times and waited on hold to activate my card for 8+ hours. The only way I could contact them was if I prompted for a stolen card again. The agents I talked to were unable to help me, both the level 1 and management agent. 

The management agent attempted to release my card using a One Time Password with both my phone number and email. She told me that the seystem was saying they were not associated long enough to use that method. I had already sent in a photo of my ID to their ID verification department on Sunday XX/XX/XXXX, at XXXX XXXX. The manager on the phone said it would take UP TO 48 hours, so I tried logging into my account on Tuesday XX/XX/XXXX after XXXX XXXX. Nothing. I tried calling again, no progress. 

Again, I prompted for a stolen card, and talked to a level 1 agent. The agent told me that my ID was reviewed and verified, and that she was unable to help me any further and fowarded me to the Fraud department, where I sat on hold for another hour. 

This is the only money I have available to me. I am XXXXXXXX XXXX XXXX XXXX XXXX because I can not XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, after waiting on hold again for another hour, I checked my email, and I received a response on XX/XX/XXXX at XXXXXXXX XXXX XXXX saying that my ID verification had been reveiwed and approved, apologizing, and to call the number on the back of my card, but it still did not make any difference. I am still locked out of my acccount, can not use my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: SC

Complaint narrative:
Please help me investigate accounts where I am being wrongly reported for late payments. Upon reviewing my credit report, several accounts were marked late when they shouldn't be. There should be no late payment annotationsplease remove these inaccuracies and update the accounts as previously agreed in positive standing. In addition, the account currently showing delinquency is incorrect and should be disputed and marked with no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

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 2025-08-13 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: EQUIFAX, INC.
State: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
These accounts appear to be fraudulent and do not belong to me. I ask that you investigate and remove them from my credit profile. Supporting documents are attached.

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