vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I am disputing a medical debt for {$540.00} that is being collected and/or reported in my name. I have not received any validation notice within five ( 5 ) days of the first communication, and the collector has not provided verification of the debt despite my dispute. I am requesting the CFPBs assistance to make the company comply with federal law.

Validation failures I did not receive a proper validation notice listing the amount, the name of the creditor, and my 30-day dispute rights.

I disputed the debt in writing and requested verification. The company has continued collection activity without first mailing verification, in violation of 1692g ( b ).

Identity/attribution concerns : The company has not provided any proof that I am the person who owes this debt, such as itemized billing, dates of service, provider name, Explanation of Benefits ( EOB ), or assignment of the account. 

Credit reporting concerns : If the company is furnishing this to any consumer reporting agency, it must report the account as disputed during investigation and conduct a reasonable investigation under the FCRA. 

I understand the CFPB finalized a rule in XX/XX/year> to remove medical bills from credit reports and bar their use in lending decisions. I also understand a federal district court vacated that rule in XX/XX/year>. Regardless of that ruling, the company must still follow FDCPA and FCRA requirements and any applicable state medical-debt reporting protections.

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 2025-08-18 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: NC

Complaint narrative:
I am filing this complaint against Experian Information Services to initiate a formal dispute of fraudulent inquiries on my credit report. 

I am a victim of identity theft. My personal information was compromised in the XXXX nationwide data breach, and since then, unauthorized inquiries have appeared on my Experian credit file. 

The following inquiries are fraudulent and were not made or authorized by me : XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> I did not apply for credit with these institutions, nor did I authorize anyone else to use my personal information for this purpose.

Additionally, I attempted to file a dispute directly with Experian, but Experians online dispute system does not allow consumers to dispute credit inquiries. Because I am unable to dispute these items online, I am

filing this complaint through the CFPB to ensure the dispute is properly processed. Applicable Law : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires consumer reporting agencies to block and remove information that results from identity theft once a valid identity theft report is submitted. FCRA 611 ( 15 U.S.C. 1681i ) : Requires consumer reporting agenies to conduct a reasonable reinvestigation of disputed information. Supporting Documentation Attached : FTC Identity Theft Report Copy of government-issued ID Proof of address Personal statement identifying unauthorized inquiries

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 2025-08-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: FL

Complaint narrative:
In the month of XX/XX/year>, I visited a XXXX store regarding a balance that was showing on my account for {$890.00}. I spoke with the store manager, who reviewed my account and assured me that the balance would be cleared and that I would not be held responsible for it. At that time, I left the store under the understanding that the issue was resolved. 

However, I later discovered that the balance was still reported to the credit bureaus as an unpaid debt. This is incorrect because I was told directly by XXXX staff that the matter was taken care of. I am requesting that this account be removed from my credit report, as it was supposed to have been resolved at the time I spoke with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-08-18 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXXXXXX 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 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 XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing the late payment currently listed on my credit report. My records confirm that all payments were made on time. The reported late payment is inaccurate and unfairly damages my credit profile.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXX Consumer Statement : I am a victim of identity theft. The following accounts and inquiries on my credit report were opened or made without my knowledge or authorization : XXXXXXXX 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 XXXXE Hard Inquiry XX/XX/XXXX I have filed an Identity Theft Report and requested that these items be blocked from my credit report under 15 U.S.C. 1681c-2. These items are fraudulent and should not affect my creditworthiness. 

Thank you for your attention to this matter. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
I am writing to formally dispute several items on my credit report that I believe to be inaccurate and unauthorized. Specifically, these include : A fraudulent account that I did not open Collection accounts that I do not recognize Incorrect personal information, including an unfamiliar address and other identifying details that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing a formal complaint against Portfolio Recovery Associates , LLC for a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

On XX/XX/year>, I sent a formal debt validation request via certified mail ( Tracking # XXXX ) regarding an alleged debt from XXXX XXXX  XXXX XXXX XXXX XXXX, their account number XXXX. 

According to XXXX tracking, Portfolio Recovery Associates , LLC received and signed for my validation demand on XX/XX/year>. 

The FDCPA provides the debt collector 30 days to respond with validation of the debt. That deadline expired on XX/XX/year>, and I have received no response or validation whatsoever from Portfolio Recovery Associates for this specific account. 

Their failure to respond within the legally mandated timeframe constitutes a waiver of their opportunity to validate this debt. 

It is a matter of public record that Portfolio Recovery Associates has a history of similar complaints filed with the CFPB regarding debt validation and collection practices. Their failure to respond to my legally mandated request appears to be part of a larger pattern of non-compliance and disregard for consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX, I received an Indigo credit card that I applied for from Concora XXXX and other than stating an approval I heard nothing from the company until I received the credit card on XX/XX/XXXX. 


I received the credit card indicating a {$1000.00} credit limit and a benefits brochure. I received no Cardholder Terms and Conditions as required by law. 

The Truth in Lending Act ( TILA ) and the Credit CARD Act of XXXX require card issuers to be transparent about the costs and terms associated with credit cards. 

Upon Receiving the Card : After your application is approved and you receive your new credit card, the issuer is obligated to mail the complete terms and conditions document to a debtor. 

After an application is approved and the new credit card is received, the issuer is obligated to mail the complete terms and conditions document, no such document was included in the mailing. 

On XX/XX/XXXX, I called the XXXX number for my Indigo XXXX and inquired about my Cardholders Terms and Conditions. The representative stated that one would be mailed out to me due to my request within 30 days. 

I asked him what the interest rate was and was there an annual or monthly fee for card usage. 

He stated that the interest charge is in the 35 % range and there is a monthly fee for approximately {$9.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Unauthorized Debit and Failure to Provide Provisional Credit Bank Error and Denial of Prior Notice Date I called Wells Fargo to request no payment : XX/XX/year> Date of unauthorized charge : XX/XX/year> Amount : {$160.00} On XX/XX/year>, I contacted Wells Fargo and explicitly notified them that I could not make my Wells Fargo Card Reserve payment for that billing cycle. This was a formal oral notice, given in advance, and sufficient for the bank to identify my account and the transaction in question. 

Despite my clear instructions, on XX/XX/year>, Wells Fargo processed an unauthorized debit of {$160.00}, which overdrafted my checking account. This transaction directly contradicted my communication with the bank and caused immediate financial hardship. 

When I contacted Wells Fargo to resolve the matter, they claimed that no such prior notice was given, effectively denying my documented communication. They refused to reverse the debit, issue a provisional credit, or waive fees, instead offering only to file a complaint. 

This response is inconsistent with Regulation E ( 12 CFR 1005.11 ), which requires : Acceptance of oral notice as valid for triggering error resolution. 

A prompt investigation of the error once notice is received. 

Issuance of a provisional credit within XXXX business days if the matter can not be resolved immediately. 

By denying that I gave prior notice and refusing a provisional credit, Wells Fargo has failed to meet its obligations under 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 monetary relief
Consumer complaint received 2025-08-18 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: NJ

Complaint narrative:
To whom this may concern, I am writing to request unauthorized credit inquiries on my EXPERIAN Credit Report. My latest credit report shows 3 credit inquiries that I did not authorize.

I am writing to dispute the following inquiry and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX INSTALLMENT DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME XXXX XXXX  DATE : XX/XX/XXXX Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX, XXXX ) that I never authorized to be reported, nor did I give my consent for it to be furnished to any credit reporting agency. 

At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

Legal Violations FCRA 1681b Permissible Purpose Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. 

The inclusion of this account in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Blocking of Fraudulent Information When a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days.

I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, Experian continues to report the account, causing ongoing harm. 

FCRA 1681e ( b ) Obligation of Accuracy Experian has failed to meet its obligations to ensure that consumer credit files contain only accurate, verifiable, and complete information.

The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met. 

Harm Caused As a result of XXXX violations and failure to comply with federal law, I have suffered the following consequences : Denial of legitimate credit applications due to this unauthorized account. 

Approval for credit only with significantly higher interest rates. 

Recent denial of rental housing based on this negative information. 

Increased insurance premiums due to credit-based pricing. 

Ongoing financial stress, damage to my reputation, and embarrassment.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Complaint Summary : Equifax is reporting inaccurate and misleading information regarding my XXXX XXXX account. 

Details of the Issue : XXXX. Wrong Account Status Equifax reports this account as Open, when Citibanks own records ( see attached XXXX XXXX screenshot ) confirm the account is Closed. 
XXXX. Wrong XXXX Equifax reports a balance of {$3700.00}, but XXXX own records confirm the balance was {$1800.00} at the time of closure. 
XXXX. Harmful Misreporting By showing this account as open with an overstated balance, Equifax is inflating my credit utilization to over 100 %, which is factually inaccurate and materially misleading. 

Violations of XXXX : FCRA XXXX ( b ) : Equifax failed to ensure maximum possible accuracy. 
FCRA 1681i ( a ) : Equifax failed to reasonably reinvestigate after my dispute.

FCRA 1681s-2 ( b ) : XXXX failed XXXX properly update and correct the furnished information once notified of the error. 

Supporting Evidence Provided : Screenshot from XXXX XXXX showing Account Closed. 
XXXX showing correct balance of {$1800.00}. 
XXXX of Equifax report showing XXXX with balance {$3700.00}. 

Requested Resolution : I request that Equifax immediately : Correct this account to reflect Closed status, Correct the balance to {$1800.00}, or Delete the account entirely if they can not verify with documented proof. 

I further request that CFPB take regulatory action to ensure compliance with the Fair Credit Reporting Act, as XXXX reporting is inaccurate, misleading, and harmful to my credit standing.

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 2025-08-18 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: KS

Complaint narrative:
Complaint Summary : Equifax is reporting inaccurate and misleading information regarding my XXXX XXXX account. 

Details of the Issue : XXXX. Wrong Account Status Equifax reports this account as Open, when Citibanks own records ( see attached XXXX XXXX XXXX ) confirm the account is Closed. 
XXXX. Wrong XXXX Equifax reports a balance of {$3700.00}, but XXXX own records confirm the balance was {$1800.00} at the time of closure. 
XXXX. Harmful Misreporting By showing this account as open with an overstated balance, Equifax is inflating my credit utilization to over 100 %, which is factually inaccurate and materially misleading. 

Violations of Law : FCRA 1681e ( b ) : Equifax failed to ensure maximum possible accuracy.

FCRA 1681i ( a ) : Equifax failed to reasonably reinvestigate after my dispute.

FCRA 1681s-2 ( b ) : XXXX failed XXXX properly update and correct the furnished information once notified of the error. 

Supporting Evidence Provided : Screenshot from XXXX Mobile showing Account Closed.

Screenshot showing correct balance of {$1800.00}.

Screenshot of Equifax report showing Open with balance {$3700.00}. 

Requested Resolution : I request that Equifax immediately : Correct this account to reflect Closed status, Correct the balance to {$1800.00}, or Delete the account entirely if they can not verify with documented proof. 

I further request that CFPB take regulatory action to ensure compliance with the Fair Credit Reporting Act, as Equifaxs reporting is inaccurate, misleading, and harmful to my credit standing.

Company response to consumer: Closed with non-monetary relief