vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: PA

Complaint narrative:
Earlier today, I found some accounts on my credit report that shouldnt be there, and I have no explanation for their appearance. I check my report regularly, but this time, some errors suddenly showed up. I thought it might be a display issue and refreshed my browser, but the accounts stayed. Because of this, Im asking that you review the files Ive sent thoroughly to put my mind at ease and prevent future concerns.

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 2025-06-05 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect personal information about me in the credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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 took a look at my credit report and noticed XXXX XXXX XXXX  is claiming that I owe them a debt. I never signed a contract with them or had business dealings with them. however they are reporting it to my credit report, I respectfully ask according to FCRA 15 USC 1692g which I am entitled to for bureaus to report accurately and fairly.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
OneMain Financial is reporting a personal loan account with a charged-off balance that was included in bankruptcy. I am submitting my FTC Identity Theft Report and passport ID under FCRA 1681c-2. This account is being furnished without identity verification or legal authorization. OneMain has not complied with its obligations under FCRA 1681e ( b ), 1681s-2 ( a ), or 1681s-2 ( b ). The information is inaccurate, harmful, and disputed under federal identity theft law. This account must be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crabtree Law, PA
State: MS

Complaint narrative:
On XX/XX/XXXX, I purchased a house in XXXX XXXX subdivision in XXXX XXXX of XXXX Florida. The HOA sent me an assessment fee in XXXX of XXXX with an incorrect prorated amount and late fees attached. I have emailed, called and sent letters to XXXX XXXX at the XXXX XXXX XXXX she has never responded. Her first action was to send it to XXXX XXXX ( collection agency ). XXXX XXXX acknowledged there was an error, and in XXXX of XXXX, I received a different statement from XXXX XXXX at XXXX XXXX XXXX, but the prorate was not correct and late fees were still attached. I again called and left messages but she never responded. The assessment for XXXX came out in XXXX and it had additional late fees and interest added to the already overstated amount. I tried again to get an explanation from XXXX XXXX XXXX but my calls went unanswered. I refused to pay until they corrected my balance. XXXX XXXX immediately turned over the account to XXXX XXXX who immediately started adding fees and charges to the account. I was able to speak to an attorney at XXXX XXXX who told me that I should have paid the undisputed amount, which was mailed by XXXX XXXX mail and was picked up at the post office on XX/XX/XXXX, by XXXX XXXX but never applied to my balance. I also mailed a check for XXXX that was delivered on XX/XX/XXXX, yet XXXX XXXX filed a lien against my property on XX/XX/XXXX, making a false claim to the court that I had not made any payments since XXXX. 

These people never once addressed the billing errors ; the Attorney told me that I didn't understand Florida Law and that the balance was going to continue to " increase ''. The balance was originally less than a XXXX dollars. As a result of attorney fees, filing fees, interest and court filing fees today they are requesting over {$4300.00} dollars. 

What they have done is nothing short of extortion and they are taking advantage of the fact that they are attorneys and have the ability to create revenue in this manner, and that I have no recourse to resolve this dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I received a letter in the mail saying that I owe Radius Global solutions LLC money, {$580.00} that was not aware of. Opened XX/XX/XXXX and was reported on my credit report 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 non-monetary relief
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
Transunion Legal, XXXX XXXX XXXX XXXX XXXX  Subject : Formal Notice of Inaccurate, Unverifiable, and Legally Non-Compliant Credit Reporting Under my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am formally disputing the validity, accuracy, and legal reporting of the following entries on my credit file : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX This account was charged off and closed in XXXX. However, it continues to reflect monthly derogatory activity, suggesting unlawful reaging of the debta direct violation of 15 U.S.C. 1681c ( a ) and 1681s-2 ( b ). The balance also fluctuates without a clear basis, making it inaccurate and unverifiable under federal standards. 

XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : This account is reported as both charged-off and sold. Reporting post-sale charge-offs misrepresents the debts legal status and conflicts with FCRA accuracy mandates. 

XXXX. XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  : The monthly history reflects repeated re-reporting of XXXX day lates and a charge-off status, yet inconsistencies in past-due figures and payment activity make this factually unreliable and misleading to potential creditors. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and # XXXXXXXX XXXX XXXX XXXX XXXX XXXX These medical accounts were never validated, and you are reporting private medical debt without proper HIPAA XXXX. Under FDCPA 15 U.S.C. 1692g, any debt not validated within 30 days of notice must be removed. The CFPB v. XXXX XXXX XXXX precedent ( XXXX ) further supports my claim.

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 2025-06-06 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:
XXXX XXXX XXXX XXXX XXXX Experdian Legal Subject : Formal Notice of Inaccurate, Unverifiable, and Legally Non-Compliant Credit Reporting Under my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am formally disputing the validity, accuracy, and legal reporting of the following entries on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This account was charged off and closed in XXXX. However, it continues to reflect monthly derogatory activity, suggesting unlawful reaging of the debta direct violation of 15 U.S.C. 1681c ( a ) and 1681s-2 ( b ). The balance also fluctuates without a clear basis, making it inaccurate and unverifiable under federal standards. 

XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : This account is reported as both charged-off and sold. Reporting post-sale charge-offs misrepresents the debts legal status and conflicts with FCRA accuracy XXXX. 

XXXX. XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX : The monthly history reflects repeated re-reporting of XXXX day lates and a charge-off status, yet inconsistencies in past-due figures and payment activity make this factually unreliable and misleading to potential creditors. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX XXXX These medical accounts were never validated, and you are reporting private medical debt without proper HIPAA XXXX. Under FDCPA 15 U.S.C. 1692g, any debt not validated within 30 days of notice must be removed. The CFPB v. XXXX XXXX XXXX precedent ( XXXX ) further supports my claim.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, XXXX XXXX XXXX  regarding the following accounts : XXXX ( Account # XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Specifically, Equifax is reporting the accounts as " Pays account as agreed '' with a " 30 days past due '' delinquency. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for both accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of these accounts be updated to reflect " Paid on time '' or " XXXX, '' and that the worst delinquency status be corrected accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, these entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigations completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: AZ

Complaint narrative:
Pursuant to my rights under federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am formally disputing the completeness and accuracy of multiple items on my credit report dated XX/XX/year>. 

I am writing to formally dispute the accuracy and validity of several accounts listed on my credit report as generated on XX/XX/year>. This letter is sent in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Please note that I am exercising my rights to request reinvestigation and correction under FCRA 611, which requires a full and proper investigation within 30 calendar days of receipt of this dispute. If the information can not be fully verified by the data furnisher, it must be deleted from my report.

Additionally, please confirm that all furnishers comply with FCRA 623 ( b ) in their reinvestigation process. I request to be provided with the names, addresses, and results from all furnishers contacted as part of your reinvestigation.

This letter serves as my formal written dispute. I respectfully request an updated copy of my credit report reflecting any changes made as a result of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: AZ

Complaint narrative:
Pursuant to my rights under federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am formally disputing the completeness and accuracy of multiple items on my credit report dated XX/XX/year>. 

I am writing to formally dispute the accuracy and validity of several accounts listed on my credit report as generated on XX/XX/year>. This letter is sent in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Please note that I am exercising my rights to request reinvestigation and correction under FCRA 611, which requires a full and proper investigation within 30 calendar days of receipt of this dispute. If the information can not be fully verified by the data furnisher, it must be deleted from my report.

Additionally, please confirm that all furnishers comply with FCRA 623 ( b ) in their reinvestigation process. I request to be provided with the names, addresses, and results from all furnishers contacted as part of your reinvestigation.

This letter serves as my formal written dispute. I respectfully request an updated copy of my credit report reflecting any changes made as a result of your investigation.

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 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Received an email about this debt several months ago about {$260.00} and calls were coming from this company as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am writing to formally dispute inaccurate and potentially outdated information listed on my credit report. I recently obtained a copy of my XXXX  credit report, and I noticed that the following item appears to be incorrect or requires clarification. 
Reported Remarks : Payment after charge off/collection and Settled - less than full balance Date Closed : XX/XX/year> Date Reported : XX/XX/year> Current Balance : {$0.00} I believe the reporting of this account is inaccurate and/or misleading. It is currently marked with derogatory remarks despite showing a {$0.00} balance and a " XXXX '' account condition. The notations " Settled - less than full balance '' and " Payment after charge off/collection '' are unclear and may unjustly impact my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MI

Complaint narrative:
I want to emphasize that this complaint is not an error. My credit report contains inaccurate information that fails to meet the standard of maximum possible accuracy. These discrepancies are having a serious negative impact on my life. I respectfully request that these inaccuracies be investigated and corrected or removed 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 explanation
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
Name On File : XXXX XXXX XXXX XXXX Social Security # Current Address : XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, GA XXXX XXXX : XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX : XX/XX/XXXX Formerly Known As : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: OR

Complaint narrative:
I formally disputed the collection account listed and requested validation. However, they continued to report the account as verified without completing the validation process, in violation of FDCPA 809 ( b ) and FCRA 1681i ( a ).

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 2025-06-05 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: TX

Complaint narrative:
TransUnion is reporting several accounts and inquiries on my credit file that are either inaccurate or unverifiable. Despite submitting a formal dispute, these items remain without any supporting evidence or proper validation. 
XXXX XXXX XXXX and XXXX XXXX are reporting negative accounts without signed contracts or itemized debt validation. 
XXXX XXXX has listed incorrect late payments. 
Numerous hard inquiries ( including XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  ) were added without my knowledge or permission a clear violation of FCRA 604.

I am demanding that TransUnion provide full validation or remove these items within the 30-day period required under FCRA 611 .

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