vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am filing this formal complaint against TransUnion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXXXXXX account ending in XXXX was fraudulent. Despite receiving this information, TransUnion has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-09-30 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: SC

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address Please investigate and remove the accounts and all associated negative information immediately.

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems , Inc. ( NCS ) responded to my prior CFPB complaint on XX/XX/XXXX, but their response and supporting documentation fail to satisfy federal requirements for debt validation or credit reporting accuracy. The only document provided an itemized account statement from XXXX XXXX ( Move-Out Date : XX/XX/XXXX ) shows all charges as {$0.00} for rent, late fees, utilities, damages, cleaning, and other categories. The sole entry is an unexplained line labeled XXXX  {$650.00}. This vague entry is not supported by a signed lease, move-out inspection, invoices, or any contractual language proving that the consumer is legally obligated to pay. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) ( b ), once a debt is disputed, a collector must cease collection until they mail the consumer proper validation. Proper validation requires more than a one-line XXXX  {$650.00} entry ; it requires documentation showing the nature of the debt, how it was calculated, and evidence of the consumers liability. NCS has not produced such validation but continues to pursue and report the account. This constitutes a violation of FDCPA 1692e ( false or misleading representations ) and 1692f ( unfair or unconscionable means ). 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies must not report information they know or should know is inaccurate. Reporting a {$650.00} balance as valid debt, when their own records show {$0.00} in rent, fees, or damages, and when no lease or inspection report substantiates liability, is materially misleading. After my dispute, NCS had a duty under FCRA 1681s-2 ( b ) to conduct a reasonable investigation and delete or correct inaccurate information. By simply forwarding the dispute to the CRAs without resolving the fundamental lack of proof, NCS violated this obligation.

The Consumer Financial Protection Bureau has also issued guidance that vague or incomplete documentation is insufficient to validate a debt. Without a signed lease agreement, detailed invoices, and inspection documentation, there is no competent evidence that this bond charge is owed. Continuing to report and collect on it is deceptive, misleading, and harmful to the consumers credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I have several accounts on my credit report that I did not authorize and I did not open. I have several inquiries on my credit report from companies that I never have dealings with. I did not authorize these inquiries nor these accounts. They are a result of fraudulent activity. I found an FTC Trade report on the inquiries as well as the accounts Spring Oaks Capital is a debt collection agency they are reporting that I owe a debt to them. I have told them that I do not owe a debt to them and demanded that they cease communication and collection of the debt with me, and they still have continued to contact me and report the in accurate debt XXXX XXXX is reporting that an account with them is open and also that it's closed on another bureau. These reporting are inaccurate and not correct because they are reporting differently and reporting a fraudulent account. This is a violation of the FCRA and indirect violation of the FTC policies. 

XXXX is also reporting an account on my credit report. I've never had any dealings with XXXX never authorize anyone to use my information to open an account with XXXX XXXX. Have fit has failed to verify this day as well as the other creditors have failed to verify those dates otherwise they would have solved it. I was not the one that opened these accounts. 

The attorney General 's office is reporting child support on my credit report. I have not never been on child support. I have never owed child support. This is an accurate. I've also filed complaints against the AOG office and they they have failed to verify these accounts and remove the account I DEMAND THAT XXXX  XXXX AND SPRING OAKS AND XXXX STOP REPORTING THESE INACCURATE FRAUDULENT ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding GM FINANCIALs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX, XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. GM FINANCIAL has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

GM FINANCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: ID

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-09-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have received a email of acknowledgement from XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America Which at this point means NOTHING. For two months I have been calling and leaving msgs and never has that phone ran. Goes straight to voicemail. And never once were any of my messages I left considered for a reply.. This is clearly a violation Unfair, deceptive, or abusive act or practice ( UDAAP ) under the authority of the Consumer Financial Protection Bureau ( CFPB ). 
I GOT EMAIL OF AKNOWLEDGMENT .SAME AS LAST TIME. BUT NEVER DID I GET CALL BACK TO DICUSS THE CASE. AND MY CLAIMS ARE STILL DENIED SHES MADE EFFORT TO CONTACT ME BUT DIDINT BOTHER LOOKING AT MY CLAIMS TO RECAP OR RECONSIDER FOR THEYRE ALL STILL ON DENIED. I PREDICT MY CLAIM WILL BE PUT ON THE BACK BURNER DISREGARDED AND OVERLOOK THE FACT THAT I WAS A VICTIM IN THIS REDICULOUS EMBERASSING AND DEGRSDING SITUATION.. I WANT THIS TO GO ON CFPB RECORDS. BANK OF AMERICA HAS NO INTENTIONS TO RESPECT MY RIGHTS, Grant me them nor CORRECT AND SETTLE in a respectful and fair manner. IM filing with XXXX and if I'm able I'd much prefer civil court so I can ask for MAX damages on top of every single transaction that I believe fell under 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 2025-09-30 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:
all the credit bureaus are reporting fraudulent information onto my credit report. these accounts were opened fraudulently and do not belong to me. these accounts are hurting my credit score negatively and are affecting me financially. i need these accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
all the credit bureaus are reporting fraudulent information onto my credit report. these accounts were opened fraudulently and do not belong to me. these accounts are hurting my credit score negatively and are affecting me financially. i need these accounts 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 non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: DE

Complaint narrative:
RADIUS GLOBAL SOLUTIONS keeps re-aging and readding a fraudulent debt to my credit report after I have called them several times in the past to notify them that the debt IS NOT MINE! I am fed up to the point I am taking next steps to contact an attorney.

So again, This debt is fraudulent. I have contacted them several times as well as the credit bureaus to remove the debt. It was removed back in XXXX  and here they go in XX/XX/XXXXXXXX  reposting it once again. 

I have repeatedly informed Radius Global Solutions that this account is fraudulent and not mine whatsoever! I haven't had XXXX XXXX XXXX in almost 18 years. After prior disputes, the account was removed from my credit report. However, in XX/XX/XXXX, it was readded with a new reporting date, making it appear as a new debt. 

This account is 100 % not mine. Reporting it violates the FCRA because the information is inaccurate. Additionally, repeatedly placing this fraudulent debt on my credit file after I have disputed it may also violate the Fair Debt Collection Practices Act.

I am requesting that this account be immediately deleted from all three of my credit reports and that Radius Global Solutions cease reporting or attempting to collect on this fraudulent account. If this is not resolved soon, I am prepared to pursue legal action. I'm not playing with these scammers any longer!

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 2025-09-30 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: IL

Complaint narrative:
I am submitting this formal dispute of the following inaccurate items appearing on my Equifax credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. You are obligated to investigate and correct or delete any unverifiable information within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
I am filing this complaint against Equifax, Experian, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ). I obtained my credit reports from XXXX and identified multiple inaccuracies, including incorrect personal information, unauthorized inquiries, and inaccurate or unverifiable collection and charge-off accounts. 

Despite my valid dispute submissions with the required identification and documentation, the credit bureaus have failed to properly investigate or correct these errors. Instead of conducting a full reinvestigation as required by law, they continue to report inaccurate information. This violates : 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ), which requires a reasonable reinvestigation of disputed items 15 U.S.C. 1681i ( a ) ( XXXX ), which requires disclosure of the method of verification Items in dispute include : Incorrect personal identifiers ( former name XXXX XXXX, former addresses, and employers including XXXXXXXX XXXX XXXX Unauthorized inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple collections from XXXX XXXX XXXX Charge-offs from XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX XXXX These items are inaccurate and/or unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), they must be deleted entirely if the bureaus can not verify them. I also requested full consumer file disclosure under 15 U.S.C. 1681g, including all information in my file, the procedures used for verification, the names and contacts of furnishers, and documentation relied upon. None of this has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I tried apply for hardship sent in all my documents to Penn Fed Supervisor.When I called to talk to customer service they provide conflicting information one rep states I am 55 days past due and other states 24 days.I asked for clarification why Im receiving conflicting information and the got transferred around 4 times. I sent in documents by email and the rep stated he never received from his manager. The rep started screaming at me. I asked to switched to different case worker because not feeling comfortable. 
Pen fed customer service is horrible.

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 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2025, a wire transfer in the amount of {$19000.00} was sent from my XXXX business account to what was believed to be a legitimate business partners Wells Fargo account. On XX/XX/2025, an ACH transfer in the amount of {$18000.00} was also processed to another Wells Fargo account under the same belief. 

These transactions were formally approved and initiated by my company based on what we understood to be authentic invoices from our vendor. However, it was later discovered that a spoofing scam had occurred : a hacker had intercepted the vendors legitimate email communications, altered the bank account details, and sent us fraudulent invoices with Wells Fargo account information. 

Upon reporting the fraud, Wells Fargos response has been limited and mechanical, stating only that the fraudulent beneficiary accounts no longer hold the funds. This position effectively shifts responsibility away from Wells Fargo, despite the fact that these accounts appear to have been operated as money mule or shell accounts. The creation and operation of such accounts raises serious concerns about Wells Fargos account-opening procedures and due diligence practices. 

It appears that these fraudulent accounts may have been opened without proper verification or enhanced KYC ( Know Your Customer ) review. Allowing such accounts to exist and receive large business-to-business payments without adequate scrutiny may constitute a failure of compliance obligations and could represent a violation of banking regulations. 

Through XXXX, I requested Wells Fargo to investigate the fraudulent beneficiary accounts, provide account holder details, take action to freeze or recover the transferred funds, and clarify their responsibilities in permitting such accounts to operate. To date, I have not received substantive information or resolution from Wells Fargo regarding these requests.

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 2025-09-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Dear CFPB Representative, I am filing this complaint against Midland Credit Management, located at : Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This company has been engaging in repeated and harassing debt collection practices toward me regarding an alleged debt. Despite my requests, their agents have continued to contact me through [ phone calls/letters/emails select whichever applies ], which has caused me significant distress. 

On XXXX of XXXX  I communicated to Midland Credit Management, through via email instructing them to immediately stop all further communications as provided under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). Under the FDCPA, once a written request is made, debt collectors are required to stop all contact except in very limited situations.

If Midland Credit Management continues to contact me after receiving this notice, I believe they are in direct violation of federal law. I am requesting the CFPB to investigate this matter and ensure that Midland Credit Management complies with the law.

I respectfully request that the CFPB take appropriate action to stop Midland Credit Managements harassment and ensure they comply with consumer protection laws. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief