vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-05 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX To Whom This May Concern I wish to settle this debt in full without prejudice, in return for removal of its charge-off status with any credit reporting agencies that you have reported to.This account has been settled and charged off for years an is causing in distress. As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. This offer is valid for 14 days from the date of receipt, after which it will be withdrawn, and I will exercise my right to full verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX To Whom This May Concern I wish to settle this debt in full without prejudice, in return for removal of its charge-off status with any credit reporting agencies that you have reported to.This account has been settled and charged off for years an is causing in distress. As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. This offer is valid for 14 days from the date of receipt, after which it will be withdrawn, and I will exercise my right to full verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00}

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 2025-08-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
Back in 2021 XXXXXXXX XXXX  XXXX charged me over {$3000.00} in XXXXne day for data overages without any notification or chance to prevent the charges. This was unfair and I have disputed the bill with XXXX XXXX XXXX. I am requesting it be removed as it has been hurting my credit for years and I wasnt aware of or warned of any overage charges within the account. Ive contacted and tried to dispute these charges many times directly with XXXX XXXX XXXX and credit bureaus and the company who now owns the debt. If there is anyway you can help it would be greatly appreciated, thanks.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Name : XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX To : TransUnion Subject : Request for Blocking Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, TransUnion, block and remove the fraudulent and inaccurate information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. The fraudulent, inaccurate, and false information includes the following accounts : XXXX Account Number : XXXX Balance : {$250.00} XXXX  Account Number : XXXX Balance : {$2700.00} These accounts are not mine, were not authorized by me, and are a result of identity theft. Additionally, my consumer credit report includes the following fraudulent hard inquiries, which I also did not authorize : XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX I have no knowledge of these accounts or inquiries, and they were not opened or initiated by me. These entries are fraudulent and must be blocked from appearing on my credit report as mandated by federal law. I have attached a copy of my FTC Identity Theft Report ( Complaint # XXXX ) as official documentation of my identity theft case, along with my FICO credit report showing the disputed accounts and inquiries. I am formally requesting that TransUnion comply with the Fair Credit Reporting Act and block all of the above fraudulent accounts and inquiries from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NV

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Genesis Credit Management is attempting to collect a debt I already paid, refuses to accept proof of payment from my bank, and is blocking me from contacting the original creditor to resolve the dispute. 

On XX/XX/XXXX, I received a final balance of {$340.00} from XXXX XXXX. Per their policy, this balance was sent to Genesis Credit Management for collection. Shortly after, I paid this debt in full using my XXXX credit card. I have credit card statements proving the charge, as well as a letter from XXXX verifying that the payment processed successfully and was never reversed or disputed. 

In XX/XX/XXXX, I began receiving collection notices for the same {$340.00} balance. When I contacted Genesis Credit Management, I was told my previous payment did not process correctly and that I still owed the balance. I provided copies of my XXXX statements and the verification letter from XXXX showing the payment was completed. Genesis Credit Management refused to accept this documentation, stating they would only accept confirmation from XXXX XXXX XXXX, the alleged owner of the debt. 

Genesis Credit Management has refused to provide any contact information for XXXX XXXX XXXX and stated I would have to figure it out on [ my ] own if I wanted to contact them. They also stated that even if I reached Clear Property Management, I would be sent back to Genesis Credit Management, and that only Clear Property Management could validate the debt a direct refusal to validate the debt themselves as required by the Fair Debt Collection Practices Act ( FDCPA ). By refusing to provide creditor contact information and simultaneously refusing to validate the debt, Genesis Credit Management is engaging in an unfair and deceptive practice, effectively blocking me from resolving the dispute. 

I am requesting the CFPB require Genesis Credit Management to either ( 1 ) provide legally sufficient validation of the debt including chain of ownership, payment history, and explanation of why they claim it remains unpaid despite my proof of payment or ( 2 ) immediately cease all collection and reporting efforts related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, Cash App customer service reach out to me via email to request additional information about a {$20.00} transaction. They said if I did not reply within 5 days, my account could be suspended. I replied to their email the same day. 

On XX/XX/year>, I noticed I couldn't not use my account to send, receive, or withdraw funds from the account. I reached out to Cash App customer services on several occasions and all they could do is " escalate '' my case. 

Today is XX/XX/year> and my account is still suspended and Cash App has provided no additional updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/year>, I sent a certified written request for debt validation under FDCPA 809 ( 15 USC 1692g ). MCMs response failed to include the following documents : XXXX. A signed agreement or application bearing my signature. 
XXXX. A full and complete chain of title showing all ownership transfers of the debt from XXXX XXXX  to MCM. Including all bills of sale or assignment documents showing legal transfer of the debt from the original creditor ( XXXX XXXX XXXX XXXX to Midland Credit Management , and identifying my account specifically. 
XXXX detailed account history from the original creditor, showing all transactions, charges, payments, interest, and the final balance. 
XXXX. Notice of assignment or legal documentation showing the debt was transferred to MCM. 

Despite this noncompliance, MCM continues to report this debt to the credit bureaus monthly, updating the status as past due, which is causing significant harm to my credit profile. I have also disputed this account with XXXX and XXXX, and both are saying that MCM verified that the information that they provided, was accurate. 

I mailed a Final Notice of Non-Compliance on XX/XX/year>, demanding proper validation and removal. As of today, XX/XX/year>, MCM has failed to comply or respond substantively. 

The company only provided billing statements, which does not satisfy proper validation under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I am disputing inaccurate and unverifiable reporting by Midland Credit Management on my XXXX  credit report. This account was originally from XXXX XXXX and was sold to Midland. However, the reporting continues to show incorrect balance information, no proof of ownership transfer, and no original signed agreement. I have repeatedly requested full validation of this debt and proper documentation proving Midlands right to report this debt, but they have failed to provide anything other than generic statements. The account should not be reported without proper verification under the Fair Credit Reporting Act ( FCRA ). I request immediate deletion of this account due to lack of validation and unverifiable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Merchant refunded my refund but cash app wont release it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Subject : Formal Request for Deletion of Delinquent Account Partial Account XXXX XXXXXXXX To Whom It May Concern, I am writing regarding a delinquent account being reported to the credit bureaus under the name of Capital One, with the partial account number XXXX. Upon reviewing my consumer credit reports, I have reason to believe that this account is either inaccurate, incomplete, or unlawfully reported, and I am formally requesting that your company investigate this matter thoroughly and take appropriate corrective action. 

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681i & 1681s-2 ), I am exercising my right to dispute the validity and accuracy of this information. The FCRA requires that any account reported to the credit bureaus must be 100 % verifiable, accurate, and complete. If this account can not be verified with complete documentation proving my legal responsibility and consent, it must be permanently removed from my credit profile.

Additionally, under 15 U.S. Code 1681b ( a ) ( 2 ), no one may access or report a consumers credit information without a permissible purpose, and I do not recall providing valid authorization for this debt to be reported in the manner it has been. 

I am also invoking the protections under the Fair Debt Collection Practices Act ( FDCPA ) to the extent that third-party agencies or affiliates are involved. Any account that has been sold, transferred, or charged off must be reported accurately and not in duplicate or in violation of federal reporting standards. 

Requested Resolution : I respectfully request that Capital One : Delete this delinquent account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ), Provide written verification and validation of the account if you believe it is valid and reportable, Cease reporting the account if it can not be substantiated with proper documentation. 
If you are unable to verify this account within the timeframe allowed by law, I ask that it be immediately and permanently removed from my credit file to comply with federal regulations. 
Please respond in writing confirming your actions regarding this account. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities if necessary, but I prefer to resolve this matter amicably and directly with your institution. 

Thank you for your time and cooperation.

Company response to consumer: Closed with non-monetary relief