vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
XXXX CFPBXXXX hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  \nXXXX XXXX XXXX XXXX XXXX XXXX LA 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 2025-10-16 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: LA

Complaint narrative:
XXXX CFPBXXXX hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  \nXXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: NC

Complaint narrative:
In the process of applying for an apartment, I was denied due to a XXXX XXXX old debt that was recently put on my credit. This forced me to get in contact with them to try and settle and make efforts to arrange pay. When I requested documentation, they said that they sent it to the wrong/old address and said that I was the person to approve it. When I asked to dispute the amount for the charges, and to be put on a payment plan for the rest, they said that we could do a payment plan, I said great and followed up with well, " if I'm on a payment plan, could you send me something in writing or email that is verifiable and written in stone so that I can show this paperwork to the current place that I applied to so that they can try to appeal the denial '', they firmly said " no '' and that their " policy is that they do not put payment plans in writing ''. This is a terrible deal for both people because at any given moment, they could change anything regarding payment start date, and the amount, and I have to make sure that I stay clear of that because I have to trust them with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-16 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than seven 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 that 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 2025-10-16 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:
The account entry is not representative of my payment practices and appears to be in error. Kindly conduct a review and eliminate it.

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 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My vehicle was repossessed for a late payment of {$20.00} on XX/XX/year> out of my locked and gated driveway. The tow company after entered the property after being asked to leave and being told that they were trespassing. They entered the property anyway. ( All of this is on video ) After this incident, I paid the loan amounts remaining balance IN FULL ( {$3200.00} ) including tow and repossession charges. This was verified from Westlake Financial website and customer service representative multiple times. XX/XX/year> the company has still yet to notify me of a location and correct phone number to contact tow facility. I had to call the local police department to obtain proper information. After obtaining the correct information Westlake financial has yet to release the vehicle to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Date : XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: AL

Complaint narrative:
am writing in regard to an account with Badcock Home XXXXXXXX XXXX XXXX that is currently appearing on my credit report. I want to clearly state that this account should not be reporting as an active debt, and I am formally disputing its accuracy.

The Badcock company has filed for bankruptcy, and as a result, the account tied to my name was closed. Following that closure, I took all the proper steps to ensure the account was removed from my credit report. I also paid for the account deletion/demotion in accordance with the proper procedures at that time. 

Despite this, the account has now reappeared on my credit profile, and I have been contacted and harassed for a debt that is not owed. This is unacceptable and in violation of the Fair Credit Reporting Act ( FCRA ), which protects consumers from inaccurate or outdated reporting. 

I am requesting the immediate removal of this account from all credit reporting agencies and the cessation of any collection activity. I also request written confirmation that this matter has been resolved and that no further negative reporting or contact regarding this account will occur. 

If this issue is not resolved promptly, I will have no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant state and federal agencies to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. I expect a written response confirming removal and resolution of this issue within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-10-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was affected by the XXXX XXXX XXXX XXXX data breaches. As a result, my personal information was compromised and several fraudulent accounts appeared on my credit reports. Despite submitting disputes and proof of identity theft, the XXXX bureaus have failed to properly investigate or remove the inaccurate information.

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 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
FALSE STATEMENT BY DEBT COLLECTOR On XX/XX/year>, Radius Global Solutions sent me written correspondence stating : " Radius Global Solutions is continuing to investigate your inquiry and has requested additional information about your account from the Current Creditor. Please be advised that we have suspended any attempts to collect the account ( s ) and have requested the credit bureaus to delete the tradeline for the account ( s ) referenced above. '' This was a FALSE STATEMENT. As of XX/XX/year> ( 23 days later ), ALL accounts remain on my credit reports XXXX XXXX XXXX  - Account # XXXX ( {$68.00} ) - STILL REPORTING - Account # XXXX ( {$290.00} ) - STILL REPORTING XXXX XXXX  - Multiple accounts ending in XXXX, XXXX, XXXX, XXXX - STILL REPORTING Original creditor : XXXX XXXX XXXX XXXX XXXX  Total claimed debt : {$740.00} Radius Global Solutions made a false representation in writing, promising deletion while continuing to damage my credit. This violates FDCPA 1692e ( false or misleading representations ).

I request immediate investigation and deletion of all 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
Consumer complaint received 2025-10-16 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: MS

Complaint narrative:
I never opened this account, and it appears on my report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: MS

Complaint narrative:
I never opened this account, and it appears on my report in error.

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 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I called Diversified Adjustment about my debt which was {$2000.00}. But I was told that they have sold the account to someone else. Which is still reporting on my account. They also gave me the run around about it, because it it was sold to someone else it should be deleted from my account completely. There number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$860.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1900.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
I simply ask for what address they had on file for this account? They informed me it was an old address that my son lives that has the exact same name as i do. He is XXXX XXXX XXXX also and attended college the last 4 years. I signed his FAFSA and was fully responsible for all college fees that his scholarship did not cover. I owe nothing for his college fees at this time. He had two scholarships that gave him a full ride. He attended for free.

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 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
XXXX purchase made on XX/XX/2025 to XXXX XXXX for {$1500.00} Transaction ID XXXX Paid to XXXX XXXX with my XXXX Personal Checking Bank Account Type of transaction : Payment between friends ( I had no option to change this at the time of payment ). 

I instantly made a call to XXXX to stop/cancel transaction because the seller end up being a scammer who copies someone else 's XXXX profile and pretended to be my sister 's co-workerXXXX XXXX said they will forwarded it to their Security department to review. I also called my bank and stopped payment on this transaction. XXXX  paid it out of their credit line and made my XXXX account negative {$1500.00} and are calling to collect the payment per their company policy. 

Despite my timely notification, XXXX  processed the payment using its own credit, and I have now received a demand to repay this amount. I am disputing this demand because : XXXX. I acted in good faith and reported the transaction immediately. 
XXXX. The recipient is a fraudulent party, and I have attached evidence including : o Screenshots of the fraudulent profile o Messages with the seller o Transaction confirmation o Any other relevant documentation 3. According to federal law and standard consumer protection policies, I am not responsible for unauthorized or fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
The account information listed is inconsistent with my payment history and appears incorrect. Please investigate and delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief