vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency XXXX XXXX credit reporting agency and XXXX XXXX reporting XXXX block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of - XXXX XXXX XXXX XXXX XXXXXXXX {$8800.00} ( Fraudulent Charge-Off ) XXXX XXXX XXXX XXXX  {$15000.00} ( Fraudulent Charge-Off ) - XXXX XXXX XXXX {$120.00} ( Fraudulent Collection ) Removal of Fraudulent Late Payments ( FCBA 1666b & FCRA 623 ) Under FCBA 1666b ( 15 U.S.C. 1666b ), creditors must correct fraudulent late payments within 30 days. The following must be corrected : - Lending Club Fraudulent late payments - Macys Fraudulent late payments- XXXX XXXX Fraudulent late payments These accounts have resulted in several fraudulent collections appearing on my consumer XXXX XXXX reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the XXXX Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency XXXX XXXX credit reporting agency and XXXX XXXX reporting XXXX block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of - XXXX XXXX XXXX XXXX XXXXXXXX {$8800.00} ( Fraudulent Charge-Off ) XXXX XXXX XXXX XXXX  {$15000.00} ( Fraudulent Charge-Off ) - XXXX XXXX XXXX {$120.00} ( Fraudulent Collection ) Removal of Fraudulent Late Payments ( FCBA 1666b & FCRA 623 ) Under FCBA 1666b ( 15 U.S.C. 1666b ), creditors must correct fraudulent late payments within 30 days. The following must be corrected : - Lending Club Fraudulent late payments - Macys Fraudulent late payments- XXXX XXXX Fraudulent late payments These accounts have resulted in several fraudulent collections appearing on my consumer XXXX XXXX reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the XXXX Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

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 2025-04-07 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:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I recently checked my credit report and noticed some unfamiliar accounts, that I didn't authorize. The accounts are, the following ; THE XXXX XXXX XXXX XXXX, RADIUS GLOBAL SOLUTIONS LLC XXXX 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: LA

Complaint narrative:
I recently checked my credit report and noticed some unfamiliar accounts, that I didn't authorize. The accounts are, the following ; XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of York, Inc.
State: NC

Complaint narrative:
I am filing a formal complaint against Credit Bureau of York, a debt collection agency, regarding a collection account that has been reported on my credit profile. This account includes a {$2000.00} collection fee, which I believe is egregious, excessive, and not legally justified. I am requesting a full investigation into the actions of Credit Bureau of York, as their practices appear to violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), and I am also seeking compensation for the harm caused by their unlawful actions. 

The collection account being reported by Credit Bureau of York includes a {$2000.00} collection fee, which I consider to be unreasonable and excessive. I have serious concerns that this fee was either never disclosed to me or is not authorized by the original debt agreement. Furthermore, this fee has been added without proper justification and ha

s significantly inflated the total debt owed. The actions of Credit Bureau of York appear to violate several prov
isions of the Fair Debt Collection Practices Act ( FDCPA ), including : Unfair Practices ( 15 U.S.C. 1692f ) : The FDCPA prohibits debt collectors from using unfair or unconscionable means to collect a debt. Charging a {$2000.00} collection fee, without prior disclosure or legal authorization, constitutes an unfair and unconscionable practice that is likely in violation of the FDCPA.

False or Misleading Representations ( 15 U.S.C. 1692e ) : The FDCPA also prohibits debt collectors from making false or misleading representations. The inclusion of this collection fee in the reported debt amount could be considered a misrepresentation, as it is unclear whether the fee is legally permissible, or if it was properly disclosed in accordance with the law.

Inaccurate Credit Reporting ( 15 U.S.C. 1681e ) : Under the Fair Credit Reporting Act ( FCRA ), information reported to credit bureaus must be accurate, complete, and up-to-date. The inclusion of this excessive collection fee distorts the actual debt and is inaccurate, which violates my rights under the FCRA. This has negatively impacted my credit report and score.

Legal Basis for Dispute : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692f : This act prohibits debt collectors from imposing unfair practices, including charging excessive and unjustified fees. The {$2000.00} collection fee charged by Credit Bureau of York appears to be an unlawful, inflated fee that is not authorized by law or the original agreement.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Under the FCRA, all information reported to credit bureaus must be accurate and truthful. Since this collection fee seems excessive and unauthorized, it results in false reporting of the debt, which is an infringement on my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank keeps on putting locks on my account for no apperant reason when i call no one wants to help i have bills to pay and i can not acess my funds this is not acceptable.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please delete all incorrect personal information reporting on Equifax report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation and Deletion of Inaccurate Charge-Off - Account # XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information appearing on my credit report from your agency regarding the following account : Creditor : XXXX XXXX XXXX Account XXXX : XXXX Account Type : Line of Credit Reported Balance : {$310.00} Upon reviewing my credit report, I noticed several discrepancies and reporting errors with this account : XXXX. Closed Date Discrepancy : - XXXX reports the closed date as XX/XX/XXXX, while Equifax reports a future date of XX/XX/XXXX, which is inaccurate. 
2. Date of Last Payment : - XXXX reports XX/XX/XXXX while Equifax shows XX/XX/XXXX. Both can not be correct. 
3. Date of Last Activity Misreporting : - Both bureaus list XX/XX/XXXX as the date of last activity, but my last payment was in XX/XX/XXXX. This XXXX indicate illegal re-aging of the account.

4. Charge-Off Reporting on a Closed Account : - The account is marked closed yet shows as a charge-off with no clear date or recent payment activity, making the reporting unclear and inaccurate. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a full investigation into this account. Due to the multiple inaccuracies and potential re-aging, I am requesting that this account be deleted from my credit report. 
Please provide the results of your investigation to me in writing. If the account can not be verified with 100 % accuracy, it must be deleted under FCRA guidelines. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have recently gotten a copy of my credit report and realized that my car loan debt has been paid off and completed due to the filing of XXXX  XXXX on XXXX XXXX XXXX has not been updated and it's hurting my future creditworthiness!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: IL

Complaint narrative:
I am writing to dispute inaccurate information and improper use to my credit report. My Personal Information Was Exposed to the Data Breach and is currently being shared on the dark web. I have reached out numerous times to Transunion with Proper Verification. Everytime they indicate, documents with validation is being mailed to my house which I never receive. Under 15 U.S.C. 1681e, The Credit Reporting Agencies are required to follow all reasonable procedures to ensure the accuracy of a consumer credit report. Im demanding that Transunion Remove all these inaccurate, outdated, misleading information on my credit report. I file an Affidavit with the FTC due to the fact that my identity was compromised by the Equifax Data Breach and is currently being sold on the dark web. Im asking again for a proper verification with written documentation to be uploaded here as PROOF.

The accounts that Im demanding to be removed immediately due to inaccuracy, improper validation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Account Name : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Name : XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Account Name : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Account Name : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Name : Bankruptcy XXXX XXXX XXXXate Filed : XXXX Account Name : Bankruptcy XXXX XXXX Date Filed : XXXX Account Name : Bankruptcy XXXX XXXX Date Filed : XXXX The Credit Agencies are reporting inaccurate, Unverified, outdated, and misleading information on my credit report. I want all steps taking to investigate these accounts, In WRITING with proper documentation proving the investigation. If the company cant send me the required documentation in writing uploaded via this site, because I never received any documentation from previous verified accounts.

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 2025-04-07 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: CA

Complaint narrative:
At this point, XXXX XXXX XXXX XXXX Detective provided an XXXX XXXX  police report after months of providing sufficient information as the primary purchaser/owner of the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The vehicle had been embezzled in an intentional insurance fraud scam and unlawful title transfer to several suspects including XXXX XXXX ( XXXX ) and other suspects unrelated me involved in the the vehicle theft after providing the police report to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  are primary suspect. XXXX exclaimed excuses for stealing the vehicle that were personal and illogical for such serious incident. XXXX XXXX intentional and unlawfully and illegally stole the vehicle and ignored, undermined and as well as insubordination of the Detective commands to release to vehicle to me, XXXX XXXX the rightful owner. The XXXX  asserted discriminatory threats and stole the vehicle at the point of the XXXX  holding the XXXX XXXX XXXX XXXX Police 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 2025-04-07 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: CA

Complaint narrative:
At this point, An Auto Recovery XXXX Detective provided an Auto Recovery police report after months of providing sufficient information as the primary purchaser/owner of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The vehicle had been embezzled in an intentional insurance fraud scam and unlawful title transfer to several suspects including XXXX XXXX ( XXXX ) and other suspects unrelated me involved in the the vehicle theft after providing the police report to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are primary suspect. XXXX exclaimed excuses for stealing the vehicle that were personal and illogical for such serious incident. XXXX XXXX intentional and unlawfully and illegally stole the vehicle and ignored, undermined and as well as insubordination of the Detective commands to release to vehicle to me, XXXX XXXX the rightful owner. The XXXX  asserted discriminatory threats and stole the vehicle at the point of the XXXX holding the XXXX Detective Auto Recovery Police 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 2025-04-07 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:
At this point, XXXX XXXX XXXX XXXX Detective provided an XXXX XXXX police report after months of providing sufficient information as the primary purchaser/owner of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX The vehicle had been embezzled in an intentional insurance fraud scam and unlawful title transfer to several suspects including XXXX XXXX ( XXXX ) and other suspects unrelated me involved in the the vehicle theft after providing the police report to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXe and XXXX XXXX XXXX  are primary suspect. XXXX exclaimed excuses for stealing the vehicle that were personal and illogical for such serious incident. XXXX XXXX intentional and unlawfully and illegally stole the vehicle and ignored, undermined and as well as insubordination of the Detective commands to release to vehicle to me, XXXX XXXX the rightful owner. The XXXX asserted discriminatory threats and stole the vehicle at the point of the sheriff holding the XXXX XXXX XXXX XXXX Police Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX {$50.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$75.00} XXXX XXXX XXXX XXXX {$17000.00} XXXXXXXX XXXX XXXX  XXXX {$500.00} XXXX XXXXXXXX XXXX XXXXXXXX {$920.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXXXXXX {$440.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation