vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Reliant Capital Solutions, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXXXX/XX/year> Reliant Capital Solutions XX/XX/XXXX XXXX Re : Account/Reference Number : XXXX To Whom It May Concern : I am writing in response to your communication dated [ insert date of their letter/call ], regarding the above-referenced account. This letter serves as my formal notice to you under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( c ).

Under 15 U.S.C. 1692 ( c ), once a consumer notifies a debt collector in writing to cease further communication, the collector must stop all
communication except to : 1. Advise the consumer that further efforts to collect the debt are being terminated ; 2. Notify the consumer that the collector may invoke specified remedies ; or 3. Notify the consumer that the collector intends to invoke a specified remedy.

Accordingly, I am requesting that you : Cease all further communication with me immediately regarding this debt, except as permitted by law.

Provide validation of the alleged debt as required under 15 U.S.C. 1692g ( b ), including but not limited to : The name and address of the original creditor ; The amount of the alleged debt ; A copy of any judgment ( if applicable ) ; Documentation bearing my signature showing that I am legally obligated to pay. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further 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 2025-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: WY

Complaint narrative:
I paid my car off on XXXX  and Ally has not sent my title. I've been fighting with them, they keep using the wrong address no matter how many times I say to use my XXXX XXXX . They have my property and are not being helpful in resolving my issue. I want them fined or shut down or flogged, your choice. I'm sick of dealing with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I applied for a loan on XX/XX/year> was approved contract sent to me for signature and my documents to prove it was me. I signed contract submitted documents. Received email saying my funding would happen with XXXX XXXX  after the XXXX XXXX  I contacted local branch as where my email stated my loan would be and to contact them with question. I spoke with XXXX she said she could not tell me anything cause I applied online and they never know. I explained I had a signed contract she said Im sorry this happened all the time I can only tell you to look up the XXXX number online and call them or email them I cant give you the number because I dont know it and hung up. I emailed the compliance dept XXXX  times with no response the on XX/XX/year> I receive another email from them tell me I need to set up my payment preferences online to repay my loan. I emailed them again with no response. I never found a XXXX number online to call them and my local office is absolutely no help.

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 2025-09-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
I am filing this complaint because XXXX XXXX has reported a false and inaccurate debt to credit bureaus and a collection agency. 

I was a XXXX customer from XX/XX/year> until I moved out of my apartment on XX/XX/year>. On XX/XX/year>, I received an email confirming the cancellation of my services. I returned the modem in either XXXX or XX/XX/year> and had a XXXX balance at the time. 

Recently, I discovered a collection account on my credit report from Radius Global Solutions LLC for {$490.00} on behalf of XXXX. I was never contacted by XXXX regarding any outstanding balance and have no knowledge of this debt. I believe this charge is illegitimate and unsubstantiated.

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 2025-09-15 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-15 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>, I received a letter in the mail from Synchrony Bank ( attached below ) stating that an application for a XXXX  XXXX  credit product had been filed in my name ( XXXX XXXX ). I never made such an application, so this is XXXX XXXX fraudulent. I called Synchrony Bank customer service to cancel the application.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The item listed is inconsistent with my financial conduct and appears inaccurate. Kindly investigate and make the appropriate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
I tried to dispute this inaccurate information and it came back validated but when I asked for the creditor to provide validation they COULD NOT and is trying to outsource validation. The company is called XXXX 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 2025-09-15 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: TX

Complaint narrative:
I tried to dispute this inaccurate information and it came back validated but when I asked for the creditor to provide validation they COULD NOT and is trying to outsource validation. The company is called XXXX 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 2025-09-15 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-09-15 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: MO

Complaint narrative:
I requested that the company provide verification and documentation of the accounts and/or inquiries reporting on my credit file. Specifically, I asked for proof of a signed contract, complete payment history, and evidence that the company has a legal right to report or collect this account, as required under the Fair Credit Reporting Act ( FCRA ). I also requested proof of permissible purpose for hard inquiries appearing on my credit report.

The company failed to provide this information. Instead, they either ignored my request or sent a generic response that did not include the original signed agreement or proper documentation. This makes the account/inquiry unverifiable, inaccurate, and incomplete under the FCRA.

I am requesting that the CFPB investigate and require the company to fully validate the information or permanently remove the unverifiable items from 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 2025-09-15 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: MO

Complaint narrative:
I requested that the company provide verification and documentation of the accounts and/or inquiries reporting on my credit file. Specifically, I asked for proof of a signed contract, complete payment history, and evidence that the company has a legal right to report or collect this account, as required under the Fair Credit Reporting Act ( FCRA ). I also requested proof of permissible purpose for hard inquiries appearing on my credit report.

The company failed to provide this information. Instead, they either ignored my request or sent a generic response that did not include the original signed agreement or proper documentation. This makes the account/inquiry unverifiable, inaccurate, and incomplete under the FCRA.

I am requesting that the CFPB investigate and require the company to fully validate the information or permanently remove the unverifiable items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: MOHELA
State: FL

Complaint narrative:
MOHELA is reporting inaccurate information on my credit file. I disputed this directly with MOHELA and with the credit bureaus, providing account details, dates in question, and documentation. Instead of investigating, MOHELA labeled my dispute frivolous. 

The information being furnished is not accurate. I have documentation that proves the reporting is incorrect, yet MOHELA continues to furnish the same false data toXX/XX/XXXXand XX/XX/XXXX 

This violates my rights under the Fair Credit Reporting Act, which requires furnishers and bureaus to conduct a reasonable investigation and correct or delete inaccurate information.

Resolution requested : I am requesting that the inaccurate MOHELA account information be removed from all credit bureaus and that I receive written confirmation once corrected.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Formal Dispute of Inaccurate Information on Credit Report ( FCRA 611, 15 U.S.C. 1681i ) Dear Equifax, I am writing to dispute inaccurate and unverifiable information on my credit report ( Confirmation # XXXX, dated XX/XX/XXXX ). Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information in my credit file is accurate, complete, and verifiable. If it can not be verified, it must be deleted ( FCRA 611, 15 U.S.C. 1681i ). 

The following accounts are in dispute : * XXXX XXXX XXXX Account XXXX {$620.00} Collection * XXXX XXXX XXXX Account XXXX {$240.00} Charge Off * XXXX XXXX XXXX XXXX Account XXXX {$970.00} Collection * XXXX XXXX XXXX Account XXXX {$530.00} Collection * XXXX XXXX XXXX Account XXXX {$3100.00} Collection * XXXX XXXX XXXX XXXX Account XXXX {$890.00} Collection * * XXXX XXXX XXXX Accounts * XXXX, XXXX, XXXX Collection/Charge Off * XXXXXXXX XXXX Account XXXX {$1200.00} Charge Off * XXXX XXXX  Account XXXX {$690.00} Charge Off * XXXX XXXX Account XXXX {$300.00} Charge Off * XXXX  Account XXXX {$620.00} Charge Off/Transferred * XXXX XXXX  Account XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX {$970.00} Charge XXXX XXXX XXXXXXXX XXXX  XXXX Account XXXX {$240.00} Charge Off Legal Basis for Dispute : FCRA 609 ( a ) ( 1 ), 15 U.S.C. 1681g I have the right to all information in my file and the sources of that information. Please provide the original signed contracts or other documents bearing my signature that prove liability.

FCRA 611 ( a ), 15 U.S.C. 1681i If an item is disputed, you must conduct a reasonable reinvestigation w
ithin 30 days. If unverifiable, it must be deleted.

FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) You must follow reasonable procedures to assure maximum possible accuracy.

FCRA 605 ( a ), 15 U.S.C. 1681c Negative information older than 7 years ( or 10 years for bankruptcies ) can not be reported. 

Since many of these accounts are listed as collections and charge-offs without proper validation, I demand that you either provide documented proof of accuracy or delete them immediately. 

Please complete your reinvestigation within 30 days of receipt, and send me an updated copy of my credit report. If you can not verify the accuracy of these accounts, they must be permanently removed as required by law. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX XXXX  did not care about these disputes. Since XX/XX/year> my credit card was hacked and transactions were posted. I did ask several times about this situation but the bank did not solve this issue. there is a pending {$1100.00} to be reimbursed. 

Bank associates are very unprofessional and did not process this dispute. 

I asked to reduce my credit line to {$50.00} so nobody can scam it. The bank hung 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 non-monetary relief
Consumer complaint received 2025-09-15 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-15 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: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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