vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-01 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: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2025-04-01 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: GA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-01 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: Albert Corporation
State: FL

Complaint narrative:
I reached out to the company about late payments that they filed. Representative stated that he didn't see any late charges on the account via text message. I informed representative incorrect information was reported to the credit bureau 's. Representative stated he didn't see any late charges on the account. I requested documentation to be sent to my email, Representative refused.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXX XXXX  charged my debit card for charges I did not make for {$390.00}. They said the tickets were printed from my email. I did not print any tickets or even have a printer The bank refuses to refund my account. I did not order tickets. This is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4600.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1900.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1700.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$520.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$320.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$40.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US 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 explanation
Consumer complaint received 2025-04-01 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4600.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1900.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1700.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$520.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$320.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$40.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US 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 2025-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX, I looked into purchasing an income property, After review of my credit I was completely appalled by the discovery of a collection on my credit repport. Previously my credit score was usually close to being perfect, approx. XXXX or better. Now my score has dropped to around XXXX due to this collection that I do not owe now. Nor have I ever made the purchase referred to on my credit report from an alleged purchase from the XXXX XXXX, ( see enclosed ) Aftter review of my credit report I found that " Cedars Business Services '' had placed a collection on my credit report from the " XXXX XXXX '' for a debt balance of {$150000.00}. This debt was supposedly from a purchase I made in " XX/XX/XXXX '' ... 
That was the XXXX XXXX XXXX. The fact that my character was being defamed for a supposed debt that was sent to or sold to the Cedars Business Services collection agency, where they have the audacity to place my good name and my character in Cedars numerous time and requested documenrtation about this supposed debt. During the XXXX or XXXX call I was finally given a copy of the Invoice for this supposed purchase by me. 
I immediately contacted The XXXX XXXX. After much research by a XXXX Customer Service Rep. I was told in no uncertain terms that they were pursuing payment for a different item then the one discribed on the documentation sent to me by Cedars. To Wit : On the invoice sent to me with the XXXX invoice # XXXX. The item on their ( XXXX ) invoice with the same number as listed above discribes a small refrigerator with over XXXX can capacity. Now the problem with that is that the small refrigerator on my invoice states XXXX can capacity. And it clearly swtates om my invoice that the item was " RETURNED '' Thus, I believe that this item was added to this invoice by mistake and never delivered. Therefore, returned into stock by the company and never actually leaving the company. 
Whatever the case XXXX be, XXXX is at fault for allowing this Debt Collection company to place my name in collection for a debt they know full well I NEVER OWED. FOR A PURCHASE I NEVER MADE ...... 
This defamation as would wind up costing me about $ XX/XX/XXXX XXXX dollars over the course of a mortgage due to the low credit score and higher interest rate I would have to pay for a loan because of it...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
Reason 15 USC 1681O. Civil Liability for negligent noncompliance.

This account is Not reporting completeness and accuracy. Your company is not assuring maximum possible accuracy.

Please delete this account from my consumer report.

1.Inaccurate monthly payment being reported.

2. Transunion is not reporting a payment history 3. A charged off account can not report a past due balance and a balance is being reported.

4. High Credit is reporting differently across all 3 bureaus 5. Date open is inaccurately reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am disputing unauthorized hard inquiries on my credit report that I did not approve. Under the Fair Credit Reporting Act ( FCRA ), all hard inquiries require my written authorization. The following companies placed inquiries on my report without my explicit consent. 
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 XXXXXXXX Since these inquiries were not authorized, I request their immediate removal from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-01 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: TX

Complaint narrative:
I was effected by XXXX XXXXXXXX XXXX XXXX, the XXXX caused a financial burden due to the damage and unexpected expenses it caused. My account was marked late for 3 months, but I was actively enrolled in the XXXX XXXX XXXX XXXX which is suppose to cancel monthly minimum payments if effected by a Natural Disaster declared by XXXX. I reached out to Indigo, they agreed that the late payments should be removed, XXXX filed a dispute to have the late payments removed but Experian, Equifax, and Transunion all denied the dispute to remove the late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year>.

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 2025-04-01 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: CA

Complaint narrative:
Im writing to address a serious issue with my credit report. It appears that an account has been mistakenly mixed with my information and belongs to someone else entirely. This is causing significant confusion, and I need this corrected as soon as possible.

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 2025-04-01 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-01 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
I am filing this complaint against Radius Global Solutions for their failure to properly validate a debt after I submitted a written dispute. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting full validation of an alleged debt they are attempting to collect. However, their response was not in compliance with the law. 

Details of Violation : On XX/XX/year>, I sent Radius Global Solutions a written dispute letter via [ certified mail/first-class mail ] requesting proper debt validation. 
I specifically requested : A signed contract bearing my name A full itemized breakdown of all charges Proof of ownership or legal right to collect ( chain of title ) In response, Radius only provided a basic bill summary, which does not satisfy FDCPA validation requirements. 
As of today, they have not provided any signed agreement, contract, or proof of assignment, and yet they unlawfully reported the account to my credit report without providing full debt validation.

This is a violation of my rights as a consumer under : FDCPA 15 U.S.C. 1692g ( b ) Failure to validate before continuing collection FCRA 15 U.S.C. 1681s-2 ( b ) Reporting unverifiable debt to consumer reporting agencies What Im Requesting : I am requesting that the CFPB investigate Radius Global Solutions for : Reporting a debt without validating it Failing to provide proper documentation after a formal written dispute Continuing collection activity in violation of federal consumer laws I have copies of the original dispute letter I sent to Radius Global Solutions and their inadequate response. I am ready to provide all supporting documentation. 

Thank you for your time and for helping to ensure consumer protection laws are enforced. 

Sincerely, 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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> I was called by XXXX XXXX XXXX once I called them back within a few minutes and they told me I have any outstanding debt with bank of America XXXX and they sent a settlement letter to my email XXXX and said if I didn't get on a payment plan or resolve this that they would be making a submission to XXXX  that could impact my ability to open any new bank account or debit cards and put it on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation