vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am disputing a {$200.00} collection reported by Radius Global Solutions for XXXX XXXX. This collection is inaccurate. 

I moved from California to Florida in XXXX  and returned all XXXX equipment according to their return policy, which allows drop-off at a shipping partner ( XXXX or XXXX ). I followed those instructions and returned the equipment as required. I never received a final bill or any communication from XXXX for week/months. I did not retain the shipping receipt any longer than a few weeks because I had no reason to believe there was a balance due. 

By the time I was notified, the account had already been sent to collections, even though I explained to them that I had dropped off the equipment and would have no need to do anything other than that. 

I have previously disputed this through the credit bureaus, but Radius Global has continued to report the debt without providing validation.

I am requesting that this item be investigated thoroughly and removed from my credit report, seeing as I legitimately did what I was told to do. Radius Global continues to update this 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 non-monetary relief
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-29 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: NJ

Complaint narrative:
Company : XXXX. XXXX  XXXX or XXXX ( XXXX ) I am disputing multiple late payments that are inaccurately reported on my federal student loan accounts serviced by XXXX ( XXXX. of XXXX ). These accounts are now closed with {$0.00} balances, yet continue to reflect XXXX late payments from the XXXX period. 

These negative marks occurred during or shortly after the COVID-19 federal student loan forbearance period. I was never properly notified of the repayment restart date, and like millions of borrowers, I was confused by the lack of communication and inconsistent guidance from servicers. 

In addition to the unfair circumstances, I found multiple factual reporting errors that violate the Fair Credit Reporting Act : Late payments are showing on closed accounts with no current payment obligations There are date inconsistencies between the credit bureaus ( e.g., TransUnion and Experian show different late dates ) Some months report as late even though no payments were due due to the paused repayment window The tradelines are not being reported with maximum possible accuracy, as required by FCRA 607 ( b ) I submitted a formal dispute to the credit bureaus with supporting documentation, including my ID and proof of address. However, if these accounts can not be verified with complete documentation, the late payments must be deleted or corrected immediately under FCRA 607 ( b ), 611, and 623.

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 2025-07-29 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: CA

Complaint narrative:
Please remove these items from my Credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX RE : Formal Dispute of Account # XXXX Immediate Deletion Requested To Whom It May Concern, I am writing to formally dispute the validity and reporting of the account listed below on my credit report : Creditor Name : XXXX, XXXX & XXXX Original Creditor : XXXX Partners Account Number : XXXX Reported Balance : {$910.00} Date Opened : XX/XX/year> Reported Status : Collection ( as of XX/XX/year> ) XXXX XXXX : [ Insert name : TransUnion, Equifax, or Experian ] This account is being inaccurately reported and is causing undue harm to my credit profile. I am requesting an immediate investigation and full deletion of this tradeline for the following reasons : Lack of XXXX Notice : I was not properly notified of this debt before it was reported. This violates the Fair Debt Collection Practices Act ( FDCPA ), which requires proper notification and validation of debt before reporting. 

No Acknowledgment of Debt : I do not acknowledge or recall any outstanding debt with XXXX XXXX. I request full validation of the debt as required by the FDCPA including itemized billing statements, proof of my liability, and a copy of the agreement with my signature. 

Outdated or Incomplete Reporting : According to the report, this account became a collection in XX/XX/year>, but the " collection '' status is suddenly listed for XXXX, XXXX, and XX/XX/year> without proper notice or payment history updates. This inconsistent and incomplete reporting violates the Fair Credit Reporting Act ( FCRA ) and is grounds for immediate deletion. 

Potential Medical Privacy Violation ( XXXX ) : Since the original creditor is XXXX XXXX, a healthcare provider, I demand confirmation that no private medical information was shared with the collection agency in violation of XXXX regulations. 

This account violates : 15 U.S. Code 1692g ( FDCPA ) : No proper debt validation was provided.

15 U.S. Code 1681s-2 ( FCRA ) : Inaccurate and incomplete reporting to the bureaus. 

HIPAA Privacy Rule : Potential unauthorized sharing of medical billing details. 


If you are unable to provide full validation and proper documentation within 30 days of receipt of this letter, I demand that this account be removed immediately from all credit reporting bureaus as unverified and inaccurately reported. 

Please confirm in writing that this account has been deleted from all credit bureaus or provide full documentation if you claim it is valid. You may send your response to the address or email above.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC
State: FL

Complaint narrative:
On XX/XX/year>, a {$920.00} collection account from National Recovery Agency for XXXX XXXX XXXX XXXX was added to my XXXX  credit report, causing a XXXX drop in my score. The charges were for my minor child, and I never gave consent or agreed to be financially responsible. The collection agency used my child 's contact info instead of mine and never contacted me directly. 

I disputed this with XXXX, but they verified the debt. I then received documentation from National Recovery Agency, but it referenced different account numbers and balances that do not match the tradeline reported. The reported debt has not been properly validated, and the reporting is inaccurate. I am requesting that this tradeline be deleted from my credit report due to FCRA and FDCPA violations.

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 2025-07-29 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: NM

Complaint narrative:
I am writing this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore, as they have been negatively impacting my life and credit score, preventing me from achieving financial freedom and stability.

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 2025-07-29 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: MI

Complaint narrative:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my Transunion Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 

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

NQUIRIES ACCOUNT : INQUIRY ACCOUNT NAME : LIGHTSTREAM DATE : XX/XX/year> Please have these inquiries removed from my credit report, please update me with a full report on your finding within XXXX  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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OR

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I have XXXX qualifying payments toward XXXX loan forgiveness out of a required XXXX. My loans have not been forgiven after repeated follow up with both XXXX and my current loan service provider Mohela. 
In XXXX of 2024 I received an email from my then loan service provider ( Navient ) encouraging me to apply for the new XXXX program before XX/XX/year> if I wanted to have my loans forgiven. I was unaware that an XXXX Account Adjustment of qualifying payments toward forgiveness was soon to be completed that would have given me more than enough qualifying payments for forgiveness. I applied for the XXXX program and my loans were forwarded to Mohela where they were immediately placed in forbearance due to litigation concerning the XXXX program. 
This spring I learned from a colleague that I should have just stayed in the XXXX program and would have received forgiveness a year ago. I contacted Mohela and switched back to an XXXX program XX/XX/XXXX and started making payments again in XXXX. I have since been on the phone, back and forth, between XXXX agents and Mohela agents requesting information about the process for seeking loan forgiveness and am told that I don't need to do anything, forgiveness is automatic. Most frustrating is that agents at XXXX insist I need to follow up with Mohela because Mohela is responsible for discharging loans and agents at Mohela tell me they don't handle loan forgiveness directing me to speak with someone at XXXX. I have repeatedly called both XXXX and Mohela attempting to find out what is going on only to receive the same answer. I am willing to be understanding if this is an 'automatic ' process that takes several months but I am not able to get any information from either source as to the process or the length of time it might take. Each company simply sends me back to the other. 
Meanwhile I am required to continue making payments even though my loans should have been forgiven back in XXXX of XXXX. I am asking CFPB to help me resolve this issue and help ensure that the XXXX forgiveness I'm eligible for is applied without delay.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am writing you to request the correction to how the billing amount is currently being calculated. The current calculation PNC is using is different from the XXXX XXXX contract terms. 

XXXX On XX/XX/XXXX we signed a contract with XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Tx XXXX. 
XXXX XXXX contract for HELOC included a variable rate but included a rates during the discount period. ( see Attached # XXXX Equity Optimizer Credit and XXXX ) First XXXX billing cycles, we would have a discount percentage of XXXX % and if the monthly payment was drafted from a Compass checking account, they would discount the interest rate XXXX also. 
XXXX ; XXXX minus XXXX XXXX equals XXXX XXXX XXXX minus XXXX equals XXXX XXXX XXXX at signing was XXXX so during the time the loan was held by XXXX the rate was a XXXX ( which was the floor included on the contract ). 

Free Checking account with XXXX XXXX XXXX did not incur a service charge and there was no minimum balance requirement. When PNC acquired XXXX, they changed the terms of the checking account to require a balance of XXXX and they no longer honored the XXXX XXXX rate discount. 
> On XX/XX/XXXX we received notice of the Servicing Transfer to PNC Bank. 
XXXX On XX/XX/XXXX, PNC Bank began using the XXXX XXXX XXXX XXXX XXXX current rate and no longer honored the Discount Initial Rate terms listed on our closing documents. This indicates that they have changed the original terms on our contract and I do not think this is correct. I have contacted your customer service department but have received no resolution. These are multiple case XXXX XXXX XXXX XXXX XXXX XXXX 
PNC Bank now calculates the Interest rate on the HELOC by using XXXX XXXX XXXX current rate and subtracts XXXX and determines the current rate used for the billing. 
PNC Bank does not provide a XXXX interest rate discount for the payment which is currently drafted from the PNC checking account. 
I am requesting a review of my HELOC before moving forward to acquire legal counsel in this matter. I will waiting XXXX business days for a response before proceeding any further action. Please review the attached documents and help me correct this issue. Let me know if you have any questions, I can be reached at XXXX and/or email XXXX. 
Thank you in advance with your assistance in this matter. 

XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I am disputing a {$4900.00} balance from Ally Bank related to a leased vehicle. The vehicle was towed without prior notice at the end of the lease, while still containing personal property including XXXX car seats. Ally later billed me for alleged damage based on an inspection that occurred after the tow, without my presence or consent. I sent XXXX certified dispute letters to Ally and its collections division ( XXXX  ) on XX/XX/year>, requesting written validation and supporting documentation. 

On XX/XX/year>, I received an email from Allys Executive Customer Relations ( Case # XXXX ) stating a written response would be mailed by XX/XX/year>. As of XX/XX/year>, I have received no written documentation, yet Ally sent me a letter dated XX/XX/year> threatening to report the account to credit bureaus unless payment is received. 

This violates the Fair Debt Collection Practices Act ( FDCPA ), which requires that collection activity pause during an active dispute. I am requesting that Ally cease all collection efforts and credit reporting, and provide a full, itemized written response validating the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Dispute - XXXX XXXX XXXX XXXX - Request for Immediate Action Additionally, I was affected by the XXXX XXXX  data breach, which further compromised my personal information and likely contributed to the identity theft I have experienced. 
I was also a victim of the XXXX XXXX  data breach, which further compromised my personal information. This breach contributed to the misuse of my identity in fraudulent financial and criminal activity. 
I am writing to dispute any account associated with XXXX XXXX XXXX XXXX on my XXXX credit report. I am a verified victim of identity theft, and I did not authorize or open any account with this company. 
This debt is fraudulent and linked to a known identity thief ( XXXX XXXX ), who used my stolen information in a series of financial crimes currently being investigated by Florida authorities. 
Please take the following actions : XXXX. Remove or block any account tied to XXXX XXXX XXXX XXXX. 
XXXX. Provide full data furnisher information ( original creditor name, collection agency, and reporting source ). 
XXXX. XXXX my report with an identity theft statement if not already active. 
Supporting Materials : - FTC Report ( No. XXXX ) - XXXX XXXX XXXX. XXXX CFPB Complaint Copy- ID and proof of address Please respond in writing with the results of your investigation. 
Sincerely, 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 2025-07-29 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: NV

Complaint narrative:
I am writing to dispute multiple accounts that are being reported under my name without my knowledge, authorization, or consent. I have never opened, managed, or approved these accounts, and their presence on my credit report is both inaccurate and misleading, resulting in a false representation of my financial history. 

This situation is completely unacceptable. It raises serious concerns regarding potential identity theft or negligent reporting practices. I take the integrity of my credit profile extremely seriously, and the appearance of these unauthorized accounts is deeply concerning.

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 2025-07-29 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 : 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 XXXXXX/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 explanation