vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
Several accounts have been reporting inaccurate and unverifiable information on my credit file, which has significantly affected my creditworthiness. Many of these accounts, including those from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and several others, are showing negative or derogatory statuses without providing any supporting documentation such as a signed contract, itemized billing, or validation of debt. Some accounts, like those reported by XXXX and XXXX XXXX, continue to report negative despite being paid off or showing a XXXX balance. Additionally, there are duplicate listings and inconsistencies across credit bureaus that are unfairly damaging my credit. Several medical collections have been reported without any HIPAA authorization or proof of billing, and inquiries from companies such as XXXX XXXX XXXX, and XXXX appeared without my consent. I have previously disputed these items, but they remain unresolved. I am requesting a reinvestigation and removal of any unverifiable or inaccurately reported information in accordance with the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I never did business with XXXX XXXX XXXX You violated The United States Code Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. USC 1681b Permissible purpose of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and states

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TN

Complaint narrative:
I've been a victim of identity theft and my personal information has also been exposed in a data breach

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 2025-07-28 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: WA

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 - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit reporting agencies are maintaining inaccurate and inconsistent consumer information across their databases, demonstrating systematic failures in their data management procedures required by the Fair Credit Reporting Act. Specifically, for XXXX XXXX  accounts # XXXX XXXX XXXX XXXX XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX these agencies continue to report legally discharged debts with IRS 1099-C documentation as active, collectible obligations with balances owed, misleading third parties about my true financial status. Additionally, they report inconsistent delinquency information for the same XXXX  account, with Experian showing " Late 180 Days '' while TransUnion and Equifax show " Late 120 Days, '' proving at least one agency is reporting false information. For XXXX XXXX XXXX  accounts, they report different account opening dates, different dates of last activity, and false late payment histories across their respective systems when I was never late on payments, and this account was also discharged per IRS 1099-C documentation yet continues to be reported as an active obligation. They also continue reporting XXXX as an active debt despite IRS discharge with proper 1099-C documentation, demonstrating their failure to maintain reasonable procedures to assure maximum possible accuracy as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
The credit reporting agencies are maintaining inaccurate and inconsistent consumer information across their databases, demonstrating systematic failures in their data management procedures required by the Fair Credit Reporting Act. Specifically, for XXXX XXXX  accounts # XXXX XXXX XXXX XXXX XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX these agencies continue to report legally discharged debts with IRS 1099-C documentation as active, collectible obligations with balances owed, misleading third parties about my true financial status. Additionally, they report inconsistent delinquency information for the same XXXX  account, with Experian showing " Late 180 Days '' while TransUnion and Equifax show " Late 120 Days, '' proving at least one agency is reporting false information. For XXXX XXXX XXXX  accounts, they report different account opening dates, different dates of last activity, and false late payment histories across their respective systems when I was never late on payments, and this account was also discharged per IRS 1099-C documentation yet continues to be reported as an active obligation. They also continue reporting XXXX as an active debt despite IRS discharge with proper 1099-C documentation, demonstrating their failure to maintain reasonable procedures to assure maximum possible accuracy as required by 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 non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
Account XXXX XXXX XXXX " XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account " XXXX '' as soon as possible from my credit report or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized accounts being reported under my name. I did not authorize, open, or manage these accounts, and their appearance on my credit report is both inaccurate and deeply concerning. This misreporting presents a false and misleading portrayal of my financial history, which I take very seriously.

The existence of these accounts constitutes a serious error, and I require immediate clarification regarding how they came to be associated with my credit file and which entity is responsible for reporting them.

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 2025-07-28 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:
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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
This letter serves as a formal notice that I dispute the validity and ownership of the debt you allege I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and Regulation F, 12 CFR 1006, I request immediate and complete validation of the alleged debt.

Under 12 CFR 1006.34 ( c ), your office is required to provide : A detailed itemization of the alleged debt, including : Original balance, interest, fees, payments, and credits ; The full name and address of the original creditor ; Date the debt was incurred or charged off.

Proof of your legal authority to collect, including : A full chain of assignment or title from the original creditor to Radius Global Solutions ; Copies of any assignment contracts, purchase agreements, or bills of sale ; A copy of the original signed contract or application creating the debt. 

Evidence that you sent a proper validation notice under 12 CFR 1006.34 ( a ) within five ( 5 ) days of your first communication. Failure to do so constitutes a regulatory violation.

You are further advised that under 15 U.S.C. 1692e and 12 CFR 1006.18, it is unlawful to misrepresent the legal status of a debt or your authority to collect it. Any continued attempts to collect, report, or otherwise pursue this debt without proper validation may be interpreted as a willful violation of federal law. 

Notice of Intent to Litigate If Radius Global Solutions fails to provide the requested validation and documentation within fifteen ( 15 ) business days, I will initiate legal action, which may include : Filing a lawsuit for violations of the FDCPA, Regulation F, and applicable state laws ; Seeking statutory damages, actual damages, and attorneys fees ; Requesting injunctive relief, including deletion of any tradelines and cessation of collection.

I reserve the right to initiate arbitration or file a civil claim in court if validation is not properly furnished.

All future communications must be in writing. This notice is provided in good faith and intended to preserve all legal rights and remedies.

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 2025-07-28 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-28 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: IA

Complaint narrative:
Applications were made in my name without my knowledge or authorization. I do not recognize these fraudulent inquiries, nor did I give permission for these companies to access my credit report. As a result, my credit has been negatively impacted.

I previously contacted the credit bureau, and a representative assured me that these inquiries would be removed. However, they still appear on my report, causing ongoing and unnecessary stress.

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 2025-07-28 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX today I received my direct deposit from Cash app at XXXX XXXX XXXX XXXX time I went to transfer my funds to my external bank and it did not allow me due to a temporary suspension to my account. I called Cash app SUPPORT LINE for further assistance as I was told on the phone. There was nothing they could do with an alternative method so I can receive my funds to pay for expensives that are currently due they told me that their automated system handles these transactions and inquiries. Also, they have stated that they do not have a management team and theres no way to get in contact with them other than via email not over the phone to possibly resolve this issue. I currently have {$1100.00} sitting in my balance that I can not access even through an alternative method that they do not have which is a very big concern for me. I honestly am truly dissatisfied with this process if there is anyway. you guys can help me with this process. It would be very appreciated. My phone number is XXXX. My email address is XXXX. 




I thank you for your time and patience

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MD

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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XX/XX/XXXX a statement for debt collection was sent in my name TO MY BOSS HOME ADDRESS. Received via my boss today XX/XX/XXXX I am beyond angry and embarrassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AAA Collections
State: SD

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$3300.00} {$2000.00} I never received the letters until most recent since I relocated to a new area. My mail was and is still being sent to my prior address and I updated it as soon before I moved. I dont know but am going to be going to court for this they stated when I called. Since I didnt make a payment I dont have the funds to pay the full amount. An I had my employers medical insurance too so they said it didnt pay it. An also thought I was on XXXX too. Now Im stuck with this bill. They stated it went to a collections service called XXXX. How I will have to attend court for the lack of responsibility of finances.

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