vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-08-20 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 am writing to you as the holder of account number XXXXXXXX XXXX XXXX ( XXXX XXXX XXXXXXXX credit card ). My credit reports from TransUnion and Experian show a 30-day late payment reported in XX/XX/XXXX, even though the account has been paid and closed since XX/XX/XXXX. 

Reporting this account with a delinquency after it was closed and settled is misleading and inaccurate. This violates the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1666b, 1681i, and 1681s-2, which require furnishers to provide complete and accurate information and to reinvestigate disputed items.

I respectfully request that the inaccurate 30-day late payment history be deleted from all credit bureau reports , as the account was paid and closed in good standing. 

I would appreciate your prompt attention to this matter to correct any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) in multiple ways. They mailed a collection letter for an alleged debt to an address in Missouri where I have never lived. In doing so, they involved a third party ( my father ), which is a direct violation of FDCPA 805 ( b ).

This company has failed to validate the debt as required by FDCPA 809 ( a ). They have not provided proof of any contract, account history, or verification that I am legally responsible for the alleged debt. Instead, they are using outdated or inaccurate skip-tracing methods to harass me at an unrelated address. 

Their conduct is deceptive, harassing, and unlawful. I demand that XXXX : Immediately cease all communication with me and my family. 

Permanently delete any information they have associated with my name. 

Provide written confirmation that this account will not be sold, transferred, or reported to any credit bureau. 

Their false and misleading collection attempts have caused stress and confusion, and I request the CFPB take enforcement 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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I opened a claim XXXX where the company stated that XXXX XXXX remains hopeful of a resolution during your upcoming conversation with XXXX. However, we can not release the funds until XXXX confirms the claim is resolved. We confirmed this with XXXX representative XXXX XXXX and they are now doing another item. Saying an old officer with my company needs to sign a document. I have already provided all state forms that they have not been affiliated with my company since 2018 they are stating the state and government forms are not sufficient.

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 2025-08-20 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: NY

Complaint narrative:
b'I am submitting this formal complaint against Experian for repeated and egregious violations of the Fair Credit Reporting Act (FCRA), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well beyond a year, I have submitted numerous formal disputes regarding the fraudulent XXXX XXXX XXXX which was accessed and reported without a permissible purpose in direct violation of 1681b(a). Despite providing all required\ndocumentationincluding government-issued identification, proof of address, a valid Identity Theft Report, and a signed\nstatement under penalty of perjuryExperian has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to\nblock fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that\nthe disputed account was not authorized by me and is the result of identity theft, and it legally obligates Experian to block\nthe account within four business days of receipt. Their failure to do so is a direct violation of 605B(a). The following letters\nwere sent as part of my ongoing efforts to resolve this matter: XXXX  Sent Bureau Letter XXXX Sent Dispute LetterXXXX  Sent Dispute Letter XXXX Sent Fraud Dispute Letter \XXXX Sent Demand for Immediate Action: Violations\nof the Fair Credit Reporting Act (FCRA) Related to Identity Theft XXXX Sent Formal Dispute Under the Fair Credit\nReporting Act (FCRA) Regarding Identity Theft XXXX Sent ID theft Non Compliance Letter XXXX Sent Continued\nNoncompliance with FCRA  Final Demand for Deletion of Fraudulent Accounts \XXXX Sent Formal Complaint and\nDemand for Immediate Compliance Violations of the FCRA and CCRAA XXXX Sent ID Theft Letter. These letters, along with many others sent prior, were submitted in\ngood faith and in full compliance with FCRA procedures. Experian has ignored these disputes and failed to respond within\nthe statutory 30-day window under 1681i(a)(1)(A), constituting repeated and ongoing violations of federal law. Experians\ncontinued reporting of the XXXX XXXX account after being notified multiple times of its illegitimacy and lack of\npermissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under\n1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage,\nincluding denial of credit opportunities and undue scrutiny'

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 2025-08-20 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NC

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 2025-08-20 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: NC

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: MI

Complaint narrative:
I am filing this complaint against TransUnion for reporting multiple inaccurate, unverifiable, and harmful items on my credit report. TransUnion has failed to maintain maximum possible accuracy as required under the Fair Credit Reporting Act and has continued to report wrong information despite my rights under federal law. On my credit file there are wrong addresses being reported including XXXX XXXX XXXX MI XXXX and XXXXXXXX XXXX XXXX XXXXXXXX MI XXXX which do not belong to me and have no connection to my identity or residence history. These addresses are creating confusion and linking me to accounts that are not mine. In addition to the addresses, several accounts are being reported inaccurately and without proper verification. For example XXXX account number XXXX * opened on XX/XX/XXXX with a reported balance of {$620.00} is being shown with a late payment that I dispute as inaccurate. There are also multiple collection accounts that have appeared without any proper validation or supporting documentation including XXXX XXXX account XXXXXXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$500.00}, XXXX account XXXX * opened XX/XX/XXXX with a balance of {$7100.00}, XXXX XXXX account XXXXXXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$370.00}, and XXXX XXXX account XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$320.00}. None of these collection accounts have been validated and no original creditor documentation has been provided to me. Reporting these accounts without proof is damaging to my credit, misleading to potential lenders, and a violation of the FCRA and FDCPA requirements for accuracy and fairness. In addition TransUnion is also reporting an unauthorized inquiry from XXXX XXXX on XX/XX/XXXX which I never approved or authorized. This inquiry was made without permissible purpose and is negatively affecting my score. The continued reporting of these wrong addresses, unverifiable accounts, collections, and unauthorized inquiries shows negligence and noncompliance with federal law. These errors are causing me significant harm including denial of credit opportunities, higher interest rates, and emotional distress. I request that the CFPB investigate TransUnion for their failure to properly maintain my credit file and ensure compliance with FCRA and FDCPA. I demand deletion of the wrong addresses, removal of the unverifiable collection accounts, correction of the inaccurate late payment, and removal of the unauthorized inquiry.

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 2025-08-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
So, once Kohls went with Capital One to handle all their payments and everything, Ive had nothing but issues with getting my bills paid. 

They at first did not send me out a Credit Card, then sent me XXXX cards that would not work with my account. I activated these, but they still would not work whenever I called to verify my account with Capital One, trying to setup online account for payments, in store payments, etc. 

Now they keep hounding me about not receiving payments when I have mostly through the mail, as thats the only way Ive been able to do this. However, they still claim We havent received your payment. I do not understand what game they are playing here, but I am trying to pay off this card so Ill be debt free, and finished with this big mess. 

They can not locate me via telephone, through any of the information I provide them. Told me there wont be issues if you go and pay at Kohls, but thats a lie. Even with my statement in hand, the guy couldnt do it he said. 

I am at a complete loss here. I wished theyd just charge off my account and eat the {$1100.00} already. This is childish and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is now Complaint # XXXX I have been forced to file against PayPal because they continue to ignore my rights and requests. I have repeatedly asked that PayPal communicate with me only in writing regarding my delinquency and hardship. Despite these clear requests, PayPal continues to place phone calls and send text reminders, which violates my rights under the FDCPA ( 15 U.S. Code 1692c ( c ) ). 

Their representatives, including XXXX XXXX who stated they could not stop reminders and referred to an indefinite collections pause ) and XXXX XXXX who provided a vague response without resolution ), have failed to follow through. Since then, all emails and portal messages to their escalation team have been ignored, while collection activity continues. 

PayPals refusal to honor my request for written-only communication, coupled with their silence on providing any good faith written hardship resolution, is unlawful, unprofessional, and harmful. I am asking the CFPB to intervene to ensure they stop the calls/texts and provide all communication and hardship terms in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: NC

Complaint narrative:
Hello, my name is XXXX XXXX, and I am submitting this complaint/dispute without error or any influence from any third-party agency. Please see the following attached documentation below and meet my requests as soon as possible. Thank you for your timely compliance!

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 2025-08-20 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: PA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-08-20 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: TN

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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