vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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:
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 2025-08-14 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: KY

Complaint narrative:
On XXXX XXXX I reviewed my credit report from XXXX. There was a collection item from Radius Global Solutions from XXXX for {$550.00}. I contacted both XXXX and Global Solutions and proved the debt wasnt mine. It was in someone elses name and not my social security number. I was told it would be removed. Then on XXXX XXXX I checked my credit report again and it was showing as a charge off. This decreased my credit score by almost XXXX points. It shows Radius Global Solutions has reported for the last 3 months as a charge off but shows business name as XXXX XXXX. Talked to Radius Global on XXXX and it shows a different last name and social security number than mine. They informed me that they cant remove it from my credit bureau or provide proof that it isnt mine. I have contacted XXXX XXXX and they dont have a charge off on my information. The account number I have from the credit bureau isnt in there system. It is believed that her social security number is one number off from mine. Ive had her information showing on my credit for the last several years.

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 2025-08-14 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NV

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-14 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SMS, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$280.00}

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 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I opened a new checking account with Huntington Bank on XX/XX/XXXX. I had my direct deposit sent to this account on XX/XX/XXXX. Shortly after, the account was locked, and I was told I must visit a branch to verify my identity. 

I have explained multiple times that I do not have transportation to a branch. I have requested alternative verification options such as secure document upload, video call, or even notarized ID XXXX, but I have been told these are not available. 

I have repeatedly asked to speak to a supervisor or compliance department but have been placed on extended holds with no answer. I was only able to speak to a supervisor XXXX time. This has left me without access to my paycheck, which is my only source of income. 

I am requesting that Huntington Bank immediately provide a reasonable alternative verification method so I can access my funds or close the account and have a cashiers check mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
THIS IS AN OUTDATED ACCOUNT. I RECEIVED INFORMATION FROM THE CREDITOR ABOUT THIS ACCOUNT AND I QUOTE Account number XXXX, reference number XXXX, originated with XXXX XXXX Bank on XX/XX/XXXX, and was opened with XXXX XXXX XXXX XXXX. This account charged off on XX/XX/XXXX, with a balance of {$400.00}. XXXX acquired this account on XX/XX/XXXX. No payments have been received on this account since it was acquired by XXXX. The current account balance is {$1100.00}. 

This account is outdated and is reporting outdated information and according to Section XXXX ( a ) of the federal Fair Credit Reporting Act limits the reporting of " any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' ( XXXX U.S.C. XXXX. ) THIS MUST BE DELETED IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
Ive field XXXX complaints of idmety fraud. I called equifax and requested the inaccurate information be removed from reports. Inquires were done after request on information be blocked and my report of fraud and identity theft due to company being hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX  XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-14 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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 2025-08-14 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: IL

Complaint narrative:
Im asking for your assistance in taking off unauthorized accounts from my credit report. I didnt open them and was never advised they existed. Under USC XXXX, please remove them in XXXX  days. Relevant documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Complaint Summary : Capital One closed my dispute over a fraudulent jewelry transaction, telling me to settle outside the card despite clear evidence of material misrepresentation under the Fair Credit Billing Act ( XXXX ). This leaves me at risk of losing both the item and my money. 

Details : On XX/XX/year>, I purchased a XXXX gold diamond necklace from XXXX XXXX XXXX XXXX for {$4100.00}. The merchant shipped me an XXXX gold necklace instead. I have photographic proof showing the XXXX hallmark and the original invoice showing XXXX gold. This is a clear case of goods not as described and material misrepresentation, which is protected under the XXXX. 

I attempted multiple times to contact the merchant for a resolution. They ignored my calls and emails until after I filed a dispute. Only then did they suggest I send the item back, without offering a written guarantee of a full refund. Returning the item without such a guarantee would leave me with no necklace and no refund. 

I filed a dispute with Capital One. The dispute was initially closed in error, then reopened after I provided evidence, including an email I sent to the merchant offering to return the item under these fair conditions : - Written confirmation of a full refund before shipment. 

- No deductions, restocking, or fees. 

- Merchant to cover return shipping with a trackable label. 

Despite this, Capital One closed the dispute again, telling me to resolve it outside the card and claiming I need to send the item back, but without telling me who to send it to or ensuring a refund. This violates my XXXX rights, which protect consumers in cases of fraud or misrepresentation. 

Resolution Requested : I am requesting that Capital One : XXXX. Reopen my dispute under XXXX protections. 

XXXX. Issue a chargeback and final credit in my favor, given the merchants refusal to provide a safe and fair return process. 

XXXX. Ensure I am not required to surrender the item without a guaranteed refund. 

I have already provided Capital One with photographic proof, the original invoice, my email offering a return under fair terms, and records of the merchants lack of cooperation. This is a textbook XXXX dispute, and I am requesting immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: MS

Complaint narrative:
I hereby dispute the legitimacy of specific accounts listed on my credit report, as I have reason to believe they were fraudulently established. I request a complete investigation and their immediate removal. Documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
This letter is a formal request for validation of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information : The name and address of the original creditor. The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges. A copy of the original signed agreement or contract that shows I agreed to assume this debt. Proof that you are licensed to collect debts in my state. A complete payment history, showing how the alleged amount was calculated. Until you provide the requested documentation, and while this debt is in dispute, you must cease all collection activities, including reporting to any credit reporting agencies. If you have already reported this debt to the credit bureaus, please inform them that it is in dispute in accordance with the FDCPA. This request is not an acknowledgment that I owe this debt, and it is not a refusal to pay. I am simply exercising my rights under federal law to have the debt validated. Please respond within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE 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 non-monetary relief
Consumer complaint received 2025-08-14 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-14 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I have a hard inquiry made on XX/XX/year> from an unknown bank on TraXXXX

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 2025-08-14 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:
I have filed a police report regarding the identity theft, and I have attached a copy of that report along with a valid government-issued photo ID and proof of address for verification. I am requesting the immediate removal and blocking of all fraudulent accounts, inquiries, and information from my credit file as allowed under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B. Please send me written confirmation once these fraudulent items have been removed from my credit report and provide a copy of my updated credit file. Thank you for your immediate attention to this serious matter

Company response to consumer: Closed with explanation