vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: PA

Complaint narrative:
All information requested to Radius Global Solution Inc, who seems to be the new company that now bought the debt. Was not sent to me. There was never an intent to collect a debt on their end on writing or a notification sent to my address. When I submitted a dispute via my credit report they send me a one page bill statement for the amount owned with no other information. The bill is under a XXXX XXXX and last know unknown to me a never used by me. This account was open in the state of Florida and I have been residing in Pennsylvania for more than 7 years and have never travel out of state. This information was given to me by the previous agency that was trying to collect the debt that also failed to send me the requested documents as proof of debt. The previous debt collector didnt not had my current address, or information, I was the one that provided the information during the call. That is the reason the bill that I received has my current address, but the owner of the account is a XXXX XXXX. I will like all documents related to this alleged account to be sent to my attention so I can file a police report for fraud, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — Store credit 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I bought a defective watch from XXXXXXXX XXXX XXXXXXXX and took it back for repairs. They offered me my money back. I purchased the watch with {$600.00} down payment and had {$3200.00} charged to a Concoracredit.com card. I paid this card in full and had a XXXX balanceXXXX XXXX XXXX  refunded my {$600.00} and it took approximately a month to get a check from Concoracredit.com for the remaining {$3200.00}. On XXXX XX/XX/year> I received a bill for late fees on arbitrary charges that never existed, interest on money that Concoracredit.com owed me, and previous interest on money that I had already given them. These are harassing and totally false claims, any help would be appreciated. The amount they falsely are demanding is {$110.00}. Their address is XXXX. XXXX XXXX XXXX, XXXX XXXX www.concoracredit.com/jared

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-31 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: CA

Complaint narrative:
I submitted a written dispute to Experian over 30 days ago regarding two XXXX student loan accounts that are inaccurately reporting 90-day late payments. The months prior to the alleged delinquencies show a consistent pattern of on-time payments, which directly conflicts with the 90-day lateness now reflected. This inconsistency violates the Metro 2 reporting standard, which requires logical and sequential payment reporting. I requested verification and documentation under FCRA 609 and 611, but Experian failed to provide any investigation results or supporting records. Instead, I received vague stall letters that did not satisfy their legal obligations. The investigation was not completed within the 30-day timeframe, and the derogatory entries remain without proper verification. These actions represent violations of FCRA 609, 611, and 623, as well as Metro 2 compliance standards, and they have caused unnecessary credit damage and wasted time.i made all complaints and uploaded all documents to cfpb for prior and current disputes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: AL

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: NC

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
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 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 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 non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/year> i sent {$100.00} from XXXX  to XXXX to my wife as spouse support. Tracking XXXX. 
On XX/XX/year> at XXXX receiver XXXXXXXX XXXXXXXX came to XXXX XXXXk, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provided XXXX  passport. Bank refused to give cash because only XXXX passport required or local tax id required to issue local debit card. Company knew it in advance than money will be NEVER received, but concluded contract. In XXXX  unjust enrichment qualified as theft, criminal case. Receiver visited about XXXX different banks in XXXX and all banks refused to give money because only XXXX citizens are able to get usa dollars. Other foreigners are discriminated by XXXX law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MoneyLion Inc.
State: LA

Complaint narrative:
This company is reporting a charged-off installment loan on my credit file. I disputed the entry and requested validation of the account including the original contract, but received no response. This is a violation of my rights under the FCRA. The balance and status remain unverifiable, and I request immediate removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: WI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: WI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against PORTFOLIO for their continued failure to address this matter appropriately. 

Account in Question : Creditor : PORTFOLIO Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$840.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with PORTFOLIO, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my creditstanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
On XX/XX/year> i sent {$1000.00} from California to XXXX to my wife as XXXX XXXX Tracking XXXX. 
On XX/XX/year> at XXXX receiver XXXX XXXXXXXX XXXX to XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and provided XXXX passport. Bank refused to give cash because only XXXX XXXX required or local tax id required to issue local debit card. Company knew it in advance than money will be NEVER received, but concluded contract. In California unjust enrichment more {$950.00} qualified as theft, criminal case. Receiver visited about XXXX different banks in XXXX and all banks refused to give money because only XXXX citizens are able to get usa dollars. Other foreigners are discriminated by XXXX law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
I am sending this complaint regarding fraudulent items on my credit report that I have requested to be removed. Despite my previous communications, these items have not been addressed. I am formally requesting the removal of the following fraudulent items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$9800.00} ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Balance {$110.00} XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Creat Reporting act XXXX XXXX XXXX XXXX | has violated my rightsI 15 US C 1681 section 602 A States I have the right to privacy 15 U.S C 1681 Section 604 A Section 2. it atso states a consumer reporting agency can not furnish a account without my wrten instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: MI

Complaint narrative:
On several occasions, XXXX has improperly handled transactions that were made through its partner platform, XXXX XXXX. Credits were issued to the wrong installment loans, other installment loans which should have XXXX balances because of purchase cancellations have been reactivated, and Klarna has mishandled large sums of money, making incorrect deposits for mishandled refunds and order cancellations into personal checking accounts without ensuring correct information. Improper investigations by XXXX have resulted in a several mishandled installment loan disputes with merchants, wasting valuable personal time in efforts to resolve their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VW Credit
State: TX

Complaint narrative:
On XX/XX/XXXX, I returned my leased vehicle to the authorized dealership, which confirmed the return was properly completed. On XX/XX/XXXX, while applying for a mortgage, I discovered the servicer had reported a charge-off to all credit bureaus for {$490.00}. 

Upon investigation, I discovered the servicer had been sending all correspondence to an incorrect address, despite my correct address being properly registered in the manufacturer 's customer portal. Due to this system error, I never received any notices about amounts owed, delinquency warnings, or pre-charge-off notifications required by law. 

When I called the servicer on XX/XX/XXXX, they confirmed the {$490.00} balance and I immediately paid in full. They acknowledged sending bills to the wrong address. However, they refuse to remove the charge-off, only updating it to " paid charge-off. '' Key Timeline : - XX/XX/XXXX : Vehicle returned to dealership - XX/XX/XXXX : Lease maturity date - XXXX XXXX : Servicer sent bills to wrong address ( never received ) - XX/XX/XXXX : Charge-off reported to credit bureaus - XX/XX/XXXX : Discovered charge-off, called servicer, paid {$490.00} immediately - XX/XX/XXXX : Formal disputes filed, servicer refuses to delete charge-off Financial Harm : This erroneous charge-off dropped my XXXX XXXX to XXXX during an active mortgage application for {$950000.00}. The lower score will cost approximately $ XXXX {$190000.00} in additional interest over the loan term, plus higher monthly payments of $ XXXX {$530.00}. 

Violations : XXXX. Failed to send required notices before charge-off due to their address error XXXX. Reported inaccurate information to credit bureaus ( can not charge-off without proper notice ) XXXX. Refuses to correct error despite proof of their system failure XXXX. Ignoring Fair Credit Reporting Act obligations Evidence Available : - Screenshot showing correct address in manufacturer 's portal - Invoice showing incorrect address used by servicer - Credit reports showing charge-off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: MD

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: LA

Complaint narrative:
I submitted formal disputes to TransUnion regarding multiple accounts that are either inaccurate, unverifiable, or duplicative. Despite this, TransUnion failed to correct or delete the information within the required 30-day period. The disputed items include charge-offs, outdated collection accounts, and unauthorized hard inquiries. These actions violate FCRA 609 and 611. I am requesting immediate deletion of these items and a revised credit report.

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