vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally attest that I am a victim of human trafficking, as defined under the Trafficking Victims Protection Act ( TVPA ). During the period in which I was being trafficked, financial accounts and obligations were opened or incurred in my name without my informed consent or as a result of coercion and exploitation.

Specifically, there is a collection account in the amount of {$760.00} currently being handled by Radius Global Solutions that was acquired during the time I was trafficked. I did not willingly open or authorize this account, and it is a result of circumstances directly related to my trafficking experience.

Under federal law, including the Fair Credit Reporting Act ( 15 U.S.C. 1681c-3 ), I am requesting that this debt be removed from my credit report and that no further collection activity be pursued against me for this account.

If you require additional documentation or have any questions, please contact me at the address or phone number listed above. I appreciate your cooperation and understanding in resolving 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: AR

Complaint narrative:
They keep locking my account. They first locked it on XX/XX/year> immediately after paying off my credit builder loan, and they kept sending me emails asking for the same information over and over again. My account remained locked until XX/XX/XXXX. I had already filed a charge back with my bank since they wouldn't give my money back. Out of the {$1000.00} I only ever received {$150.00} of it since it's a credit builder loan and they keep the money until you've paid it off in full. After unlocking my account, I noticed my credit builder payment had been removed and they had started charging me the payment for the previous loan that was paid off. Then on XX/XX/XXXX they locked my account again, and are asking for the same information. Again. I've almost lost my housing, my car, and my utilities because of this. Why are they able to do this to someone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have scanned through my credit report and 2 out of the 3 agencies has no credit Inquiries on my credit reports as that should be. I noticed 2 that should have been removed off my report some time ago as this is not mine. 

Please review and remove these off my credit report ASAP. 

XXXX XXXX - Inquiry Date : XX/XX/XXXX - Removal XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Removal XX/XX/XXXX THESE ARE THE ONLY 2 THAT I KNOW FOR A FACT SHOULD BE REMOVED FROM MY CREDIT REPORT. PLEASE REMOVE AND CLOSE OUT. THANK YOU.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have accounts on my credit report thats closed and I dont have a contract with none of these companies I believe Im a victim of 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MOHELA
State: TX

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This is a direct violation of those rights and I would like all information associated with MOHELA to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Email : XXXX Date : XX/XX/XXXX TransUnion LLC XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Formal Dispute of Unauthorized Account Credit Report Number : XXXX Account in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion Dispute Department , I am writing to formally dispute the inclusion of an account that appears on my credit report issued by your bureau, under report number XXXX. The account is listed as XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  This letter serves as notice that I do not recognize this account and have no contractual or financial relationship with XXXX XXXX. I have never applied for, opened, or authorized the use of this account in any capacity. This entry is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that only accurate, verifiable information may be reported.

Pursuant to FCRA 1681i ( a ) ( 1 ) ( A ), I formally request that you initiate a reinvestigation of this item. Furthermore, under FCRA 1681i ( a ) ( 5 ) ( A ), if the investigation does not find the information to be accurate and verifiable, you are legally obligated to delete the item from my credit file.

Additionally, under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate. Since I have never authorized or been associated with this account, its presence on my credit report is a direct violation of my rights under federal law.

Please provide a written confirmation of your investigation results within the legally allotted 30-day period, and promptly remove this erroneous account from my credit file. I have enclosed a copy of my government-issued ID and proof of address to verify my identity, as required.

Thank you for your prompt attention to this serious matter. 
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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/year> I deposited a bank issued check. Meaning a check issued from a bank owned account or suspense account ( official check ) from the return on a security deposit of a secured credit card from Capital One Bank previous XXXX XXXX. The bank notified me funds would be available on XX/XX/year>. I knew that was incorrect as that was a bank holiday. On XX/XX/year> I contacted the bank as I did not see my funds available and it was disclosed to me that my funds were placed on hold. I advised the manager that they were in violation of regulation cc as they have placed a check issued by their bank and or subsidiary of their bank on hold. I explained to them that unless they suspected fraud they were in violation of the regulation as the check are official funds issued by their own bank. I also told them I had not been provided anything in writing stating my check was going to be placed on hold and I requested something in writing and was told that it would take up to 30 days to send me something in writing. I have been with the bank over 4 years never had a return deposited item and I have had multiple large deposits that have exceeded this amount numerous times. The check is only {$1000.00}. They verbally informed me funds will be made available XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
* * 15 U.S.C. 1681 * * is a section of the * * United States Code * * that establishes the * * Fair Credit Reporting Act ( FCRA ) * *. This law is part of * * Title 15 Commerce and Trade * *, and it governs the collection, dissemination, and use of consumer credit information.

# # # Key Points of 15 U.S.C. 1681 ( FCRA ) : * * * Purpose * * : To ensure * * accuracy, fairness, and privacy * * of consumer information contained in the files of credit reporting agencies.

* * * Applies to * * : * * * Credit reporting agencies * * ( e.g., Equifax, Experian, TransUnion ) * * * Users of credit reports * * ( e.g., lenders, landlords, employers ) * * * Furnishers of information * * to credit bureaus ( e.g., banks, creditors ) * * * Rights Given to Consumers * * : * The right to * * access their credit reports * *.

* The right to * * dispute inaccurate or incomplete information * *.

* The right to be * * notified of adverse actions * * taken due to credit report contents.

* The right to * * place fraud alerts * * or * * credit freezes * * on their files.

* Limitations on the * * use of credit reports * * for employment and other purposes.

* * * Obligations of Credit Reporting Agencies * * : * Must follow * * reasonable procedures * * to ensure accuracy.

* Must * * investigate disputes * * in a timely manner.

* Must * * delete or correct inaccurate, incomplete, or unverifiable information * *.

* * * Enforcement * * : * Enforced by the * * Federal Trade Commission ( FTC ) * *, * * Consumer Financial Protection Bureau ( CFPB ) * *, and * * state attorneys general * *.

* Consumers may also bring * * private lawsuits * * for violations.

If you need help with a specific subsection of 1681 ( like 1681a, 1681b, etc. ), let me know and I can explain that in more detail.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: PA

Complaint narrative:
* * 15 U.S.C. 1681 * * is a section of the * * United States Code * * that establishes the * * Fair Credit Reporting Act ( FCRA ) * *. This law is part of * * Title 15 Commerce and Trade * *, and it governs the collection, dissemination, and use of consumer credit information.

# # # Key Points of 15 U.S.C. 1681 ( FCRA ) : * * * Purpose * * : To ensure * * accuracy, fairness, and privacy * * of consumer information contained in the files of credit reporting agencies.

* * * Applies to * * : * * * Credit reporting agencies * * ( e.g., Equifax, Experian, TransUnion ) * * * Users of credit reports * * ( e.g., lenders, landlords, employers ) * * * Furnishers of information * * to credit bureaus ( e.g., banks, creditors ) * * * Rights Given to Consumers * * : * The right to * * access their credit reports * *.

* The right to * * dispute inaccurate or incomplete information * *.

* The right to be * * notified of adverse actions * * taken due to credit report contents.

* The right to * * place fraud alerts * * or * * credit freezes * * on their files.

* Limitations on the * * use of credit reports * * for employment and other purposes.

* * * Obligations of Credit Reporting Agencies * * : * Must follow * * reasonable procedures * * to ensure accuracy.

* Must * * investigate disputes * * in a timely manner.

* Must * * delete or correct inaccurate, incomplete, or unverifiable information * *.

* * * Enforcement * * : * Enforced by the * * Federal Trade Commission ( FTC ) * *, * * Consumer Financial Protection Bureau ( CFPB ) * *, and * * state attorneys general * *.

* Consumers may also bring * * private lawsuits * * for violations.

If you need help with a specific subsection of 1681 ( like 1681a, 1681b, etc. ), let me know and I can explain that in more detail.

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 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I disputed the accounts with Resugrnt that are in collections on my credit report as not being mine. Each time they send communication that they are. I have been contacted by attorneys and had to show up in court. Because I get social security disability now I was told that the accounts were going to be given a hardship discharge and removed and they have not been they just seek the debt to other attorneys and I have to go thru this all over again. I let them know that they can not sue me for my disability check but they still keep trying. I have sent them a copy of my benefit letter as well. Also the information they have reported on the accounts doesnt make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the immediate removal of these fraudulent accounts from my credit report, as I did not authorize them and was unaware of their existence. In accordance with USC 1681g, please delete them within 15 days. Supporting documents are enclosed.

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