vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XX/XX/year> To Whom It May Concern, Re : CFPB Ref No : XXXX Ref : XXXX Account Ending in XXXX I am writing in response to your letter dated XX/XX/year>, regarding the above-referenced account. I respectfully dispute the continued reporting of this account on my credit report and formally request that it be removed based on the following grounds : Inaccurate or Incomplete Information : Under the Fair Credit Reporting Act ( FCRA ), all information reported to the credit bureaus must be accurate and verifiable. I am requesting validation and documentation proving the accuracy of the account details, including a full payment history, signed agreement, and documentation showing the debt is still legally enforceable. Without such documentation, continued reporting may constitute a violation of federal law.

Goodwill Request for Deletion ( if debt is valid ) : While I understand your statement regarding factual reporting, I am requesting a goodwill adjustment to remove this account from my credit report. This debt may have been the result of a temporary financial hardship. I have since worked to improve my credit standing and would like this account removed as a gesture of goodwill.

Re-aging of Debt or Statute of Limitations ( if applicable ) : If this account is beyond the statute of limitations for collections in Florida, I ask that it no longer be reported. Reporting outdated or time-barred debt may be misleading and harmful to my credit profile. 

Please treat this as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and provide evidence supporting your claim within 30 days of receipt of this letter. If you are unable to verify the account with full documentation, I respectfully request that you direct the credit reporting agencies to remove this account from my credit report. 

If the information can not be verified or substantiated, I also request that you cease collection activity and reporting under the Fair Debt Collection Practices Act ( FDCPA ). 

Thank you for your time and attention to this matter. Please respond in writing to the address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a complaint concerning the inaccurate and unlawful reporting of an account listed on my consumer credit report. The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorrect Personal Information ( Wrong Address Reporting ) The address associated with this XXXX XXXX XXXX, XXXX, XXXX not and has never been my residential address. The furnishing of inaccurate personal information is a direct violation of the Fair Credit Reporting Act ( FCRA ). 
Violation of Law : 15 U.S. Code 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX and the credit reporting agencies failed to exercise reasonable procedures to ensure the accuracy of reported personal data, thereby violating this provision. 
Issue # 2 : Questionable Charge-Off Validity The account is reported as a Charge Off with a high balance of {$390.00}. However, I have not received adequate validation of the debt from the furnisher, and the reporting itself lacks key information required to substantiate a lawful charge-off claim.

Violation of Law : 15 U.S. Code 1692g ( b ) under the Fair Debt Collection Practices Act ( FDCPA ) : A debt collector must cease collection of the debt until the debt collector obtains verification of the debt. 
While it is unclear whether XXXX is acting as a collector or creditor, the absence of full and accurate verification documentation undermines the legitimacy of this charge-off. Additionally, I never received proper notice of this charge-off as required by law. 
Request for Resolution : I am requesting the following actions to be taken as a result of this complaint : XXXX. Full investigation into the accuracy of the address reported by XXXX. 
XXXX. Immediate removal or correction of the incorrect address information. 
XXXX. Full debt validation from XXXX or deletion of the charge-off status if validation can not be provided. 
XXXX. Written confirmation of all corrections or deletions made. 
This inaccurate reporting is negatively affecting my creditworthiness, and I request expedited handling in accordance with CFPB procedures and federal law. I am providing this complaint for your review and investigation under the authority of the Consumer Financial Protection Bureau.

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 2025-06-03 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: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a complaint concerning the inaccurate and unlawful reporting of an account listed on my consumer credit report. The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorrect Personal Information ( Wrong Address Reporting ) The address associated with this XXXX XXXX XXXX, XXXX, XXXX not and has never been my residential address. The furnishing of inaccurate personal information is a direct violation of the Fair Credit Reporting Act ( FCRA ). 
Violation of Law : 15 U.S. Code 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX and the credit reporting agencies failed to exercise reasonable procedures to ensure the accuracy of reported personal data, thereby violating this provision. 
Issue # 2 : Questionable Charge-Off Validity The account is reported as a Charge Off with a high balance of {$390.00}. However, I have not received adequate validation of the debt from the furnisher, and the reporting itself lacks key information required to substantiate a lawful charge-off claim.

Violation of Law : 15 U.S. Code 1692g ( b ) under the Fair Debt Collection Practices Act ( FDCPA ) : A debt collector must cease collection of the debt until the debt collector obtains verification of the debt. 
While it is unclear whether XXXX is acting as a collector or creditor, the absence of full and accurate verification documentation undermines the legitimacy of this charge-off. Additionally, I never received proper notice of this charge-off as required by law. 
Request for Resolution : I am requesting the following actions to be taken as a result of this complaint : XXXX. Full investigation into the accuracy of the address reported by XXXX. 
XXXX. Immediate removal or correction of the incorrect address information. 
XXXX. Full debt validation from XXXX or deletion of the charge-off status if validation can not be provided. 
XXXX. Written confirmation of all corrections or deletions made. 
This inaccurate reporting is negatively affecting my creditworthiness, and I request expedited handling in accordance with CFPB procedures and federal law. I am providing this complaint for your review and investigation under the authority of the Consumer Financial Protection Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: MO

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I am disputing inaccurate information that XXXX  continues to report on my credit file. I have never made a payment or had activity on my GM Financial account since XX/XX/XXXX, yet XXXX  shows Balance Updated : XX/XX/XXXX and monthly charge-off ( CO ) notations through XX/XX/XXXX. Additionally, this entrys high balance is inconsistentXXXX  report a high balance of {$8700.00}, but XXXX  now XXXX {$9200.00} written off. Finally, XXXX  shows a repossession ( R ) in XX/XX/XXXX, which never occurred. I previously submitted a dispute ( XX/XX/XXXX ) and XXXX  completed a reinvestigation ( XX/XX/XXXX ) but made no corrections. Under the Fair Credit Reporting Act, if XXXX  can not verify these items with documentation from GM Financial, they must be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
To whom it may concern, I am formally contesting any inaccurate or undocumented information found in my credit report, in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, hence challenging their reportability. I request verifiable evidence for the account 's existence and permissible usage, and if lacking, its removal. Please provide physical documentation of your actions and an updated credit report. 
I kindly remind you to ensure the accuracy and correctness of all claims reported, as mandated by the XXXX XXXX reporting standard. Reporting claims that are known or should be known to be unlawful is inappropriate. I authorize you to send me physical documentation of your actions and an updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response and I am requesting a full investigation under the Fair Crediting Reporting Act ( FCRA ). Please remove all the unverifiable items. Clean. Legal. Powerfu.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX My correct address is : 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 explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
This is regarding the original complaint # XXXX. 

While Goldman Sachs stated that they have refunded the amounts to my credit card, XXXX charge for {$1300.00} is still listed as a Provisional Refund. This amount should be finalized and not listed as Provisional. In addition, they did not respond with respect to any interest charges which I may have incurred and have not removed those from my bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
This is not my debt. I have no knowledge of this company or this collection. They are trying to collect from me. This is a result of identity theft there was a breach in XXXX XXXX XXXX XXXX XXXXXXXX. My information as well as others information were exposed so someway somehow this party is trying to collect from me and this is not my debt and never sent me a notice of this debt within five days violation of 15 USC 1692g also 15 USC 1681

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 2025-06-03 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: NC

Complaint narrative:
It has taken more than XXXX days for Experian to simply rely on the pretend lenders lies. XXXX  Has reported the same fraudulent account to XXXX  as never late, XXXX balance and good standing but yet this fraudulent account reports as a charge off with Experian. Experian failed to demand the copy of the contractual agreement and the copy of accounting records to determine the truth. How can the same fraudulent account be reported as perfect with XXXX  just XXXX weeks ago on the XXXX  credit report attached but is reporting as derogatory on Experian. Its is inaccurate information reporting because its a fraudulent debt that I do not owe and theres no contract to prove it. Attached is the police identity theft report and the email sent to me from XXXX police report with the police report showing as an attachment. Immediately remove this fraudulent debt claim from Experian my credit file within four days per the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
Current showing 120 days past due insufficient account Fraud ( TRANSUNION ) XXXX XXXX last updated XX/XX/year> that account is fraudlent ( TRANSUNION ) XXXX XXXX XXXX fraudlent account ( TRANSUNION ) XXXXXXXX XXXX XXXX  insufficient account Fraud ( TRANSUNION ) XXXX XXXX XXXX XXXX XXXX  insufficent account Fraud ( TRANSUNION ) XXXX XXXX XXXX ( EXPERIAN ) Every single inquiries that is showing up from lenders looking at my credit should not be on my account especially if was not the person to authorize the lenders on my account 15 U.S.C. 1681 Section 602 A, STATES I HAVE RIGHTS TO PRIVACY. 

15 U.S.C. 1681 Section 604 A section states a consumer reporting agency can not furnish account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

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 2025-06-03 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:
Current showing 120 days past due insufficient account Fraud ( TRANSUNION ) XXXX XXXX last updated XX/XX/year> that account is fraudlent ( TRANSUNION ) XXXX XXXX XXXX fraudlent account ( TRANSUNION ) XXXXXXXX XXXX XXXX  insufficient account Fraud ( TRANSUNION ) XXXX XXXX XXXX XXXX XXXX  insufficent account Fraud ( TRANSUNION ) XXXX XXXX XXXX ( EXPERIAN ) Every single inquiries that is showing up from lenders looking at my credit should not be on my account especially if was not the person to authorize the lenders on my account 15 U.S.C. 1681 Section 602 A, STATES I HAVE RIGHTS TO PRIVACY. 

15 U.S.C. 1681 Section 604 A section states a consumer reporting agency can not furnish account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TN

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services, I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services, I am demanding these accounts to be removed as I did not authorize or open these accounts.

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