vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NC

Complaint narrative:
XX/XX/year> I filed a dispute that this is a fraudulent account. It was opened under my previous married name of XXXX XXXX, but I was under my maiden name of XXXX XXXX at the time and would never open an account under my previous name. I never heard back from either company. 
XX/XX/year> I have been in contact with Radius Global Solutions and XXXX XXXX today to try to resolve this fraudulent account and I'm getting nowhere with either of them. I spent an hour on the phone and when I requested a Supervisor, I was hung up on. One Customer Service Representative told me that an account was never opened in my name because the person couldn't verify their identity. Another Representative told me that there are XXXX different balances under my name but with the same account number, but they are closed. Radius Global Solutions is reporting this debt on my credit, but can't give me a resolution. They told me I had to contact XXXX XXXX, but when I contacted XXXX, they said I need to contact Radius Global Solutions because they don't have open accounts for me. I want this off of my credit!!

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing several accounts on my credit report that I did not authorize or recognize. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), I request an investigation into the following accounts and their removal if proper validation can not be provided : Creditor Name : XXXX  Account Number : XXXX Creditor Name : XXXX  XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX  Account Number : XXXX Creditor Name : XXXX XXXX Account Number : XXXX Creditor Name : XXXX Account Number : XXXX Creditor Name : XXXX Account Number : XXXX These accounts may be the result of identity theft or reporting errors. I did not authorize them, and I am requesting verifiable proof that these debts belong to me. If such proof can not be provided, I respectfully request their immediate removal from my credit reports in accordance with the FCRA and FDCPA. 

Thank you for your prompt attention to this matter.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to bring to your attention a concern regarding the way my revolving credit utilization is being reported on my credit file. Upon reviewing my credit reports from all three major credit bureausEquifax, Experian, and TransUnionI noticed that my revolving credit utilization is being reported as high. 

This is inaccurate, as all of my credit card balances are currently low and well within the recommended utilization threshold. I make timely payments and consistently keep my balances below 30 % of the available credit limits. 

I respectfully request that you review and update my credit file to accurately reflect the current status of my credit card balances. If further documentation is needed from my creditors to confirm the correct balances, I am happy to provide statements or account summaries.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to bring to your attention a concern regarding the way my revolving credit utilization is being reported on my credit file. Upon reviewing my credit reports from all three major credit bureausEquifax, Experian, and TransUnionI noticed that my revolving credit utilization is being reported as high. 

This is inaccurate, as all of my credit card balances are currently low and well within the recommended utilization threshold. I make timely payments and consistently keep my balances below 30 % of the available credit limits. 

I respectfully request that you review and update my credit file to accurately reflect the current status of my credit card balances. If further documentation is needed from my creditors to confirm the correct balances, I am happy to provide statements or account summaries.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: IL

Complaint narrative:
To whom it may concern, I would like to file a dispute against Best Service Company The collector is violating the FCRA, FDCPA, and Regulation F reporting an account to the credit agencies which does not belong to me I would like to consider this as fraud I do not live at this address where this account is reporting I have XXXX address which is on file with each and every credit agency XXXX XXXX XXXX XXXX IL XXXX whereas XXXX XXXX XXXX XXXX account is reporting another. this is fraud. I would like to request a method of verification who did you interview to confirm this account 100 % belongs to me, what documents were issued to confirm this, what time and date did you speak, provide me the phone number time and date you spoke as well please provide this to me if you can't this must be removed from my credit report. I will attach drivers license with address present, my SS card as well for identity purposes. 

due to my investigation I've discovered many inaccuracies and Violations such as : 1. The balance increase is inaccurate or unverifiable FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers ( debt collectors ) must not provide information that is inaccurate or incomplete to credit reporting agencies.

If the {$2.00} is not owed, or not allowed under the original agreement, that update could violate this section.

2. They did not notify you properly Under Regulation F ( 12 CFR 1006.34 ), collectors must provide a validation notice that clearly breaks down the amount owed, including any added interest, fees, or charges. If they increase the balance and do not update this notice or explain the change, they may be in violation. 



XXXX. The amount is misleading or unfair FDCPA 807 ( 15 U.S. Code 1692e ) prohibits using false, deceptive, or misleading representations in connection with collecting a debt. Reporting a balance you don't owe or can't verify is likely a violation.

FDCPA 808 ( 15 U.S. Code 1692f ) prohibits collection of any amount not expressly authorized by the agreement or permitted by law. 



Summary of Potential Violations Law Section Description FCRA 623 ( a ) ( 1 ) ( A ) Prohibits inaccurate/incomplete reporting FDCPA 807 ( 1692e ) Prohibits false or misleading representations FDCPA 808 ( 1692f ) Prohibits unauthorized charges or amounts Reg F 12 CFR 1006.34 Requires clear itemization and notice of amount owed

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
My XXXX XXXX XXXX was stolen. Someone took {$800.00} from my chime account. I contacted chime and sent them my police report but they refused to look at it and also denied my dispute XXXX  times a after providing them with the proper paper work. They also told me I was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting a complaint against LOBEL FINANCIAL regarding a vehicle repossession that occurred unlawfully or prematurely. 

I missed only one payment, which was returned for unknown reasons. I received no phone call, written notice, or default notice from the lender. I was never given an opportunity to cure the default or reinstate the loan.

Despite this, my car was repossessed without warning and I was told I had only 10 days to pay off the entire loan balance. However, before the 10-day period ended, the dealership already relisted my car for sale, indicating my right to redeem or reinstate was violated. 

Florida law and federal regulations generally require a notice of default and a chance to cure, especially when only one payment is missed. I believe this repossession and resale violated my rights. I am asking for the ability to reinstate the loan by paying only the missed payment, late fees, and tow/storage, and not the full loan amount. 

I seek an immediate investigation and correction of this situation.

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:
After receiving a copy of my credit report, I discovered a number of errors and unapproved accounts and information that were reported to it. These comments have harmed my life and credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
b'I researched a credit card I wanted to apply for Citibank XXXX. I applied over the phone XXXX XXXXXXXX XXXX XXXX, giving the representative all of my PII. She gave me an instant approval, and the amount was lower than I wanted so I said, "no thank you. I don\'t want it". She said I should keep it anyway and ask for the credit limit to be raised later. I was uncomfortable with this response and requested to speak to a supervisor. The rep said to call customer service and she gave me XXXX XXXX XXXX XXXX This number went to XXXX XXXX. I called the Simplicity number back and used the automated system to choose an option to ask about my credit card, I was then directed to call XXXX XXXX XXXX XXXX, whhich was another XXXX XXXX number. At this point I was terrified and angry. I went back to the internet and found a customer service number from there I was given an "applications" dept. phone number, applications bounced me back to customer service. All in all I received 7 different phone numbers for departments at CitiBank and 2 were for XXXX XXXX.I do not want this card or an account with this bank. Please help me protect my PII and close the account immediately.*I do not have a card no. to provide as this all happened less than 1 hr ago'

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: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have recently discovered fraudulent accounts on my credit report due to a data breach. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$25.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

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 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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: 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: PA

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Following identity theft caused by a XXXX XXXX  fraudulent accounts have appeared on my credit report. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. 
XXXX ( a ) ), I request immediate removal within XXXX days : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for my only XXXX XXXX XXXX listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} Inquiries XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
I had an outstanding debt for roughly {$2300.00} XXXX  that was settled for less, and should have been recorded as XXXX XXXX XXXX. Instead, XXXX XXXX reported to the credit bureaus as though I made a payment on that debt- essentially reducing the amount owed, rather than XXXX XXXX XXXX XXXX XXXX 

This debt needs to be communicated as XXXX XXXX XXXX to XXXX XXXX XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year>, three unauthorized ATM withdrawals occurred on my Chime debit card, which had been stolen. The transactions were as follows : {$610.00} at XXXXXXXX XXXX {$210.00} at XXXXXXXX XXXX {$80.00} at XXXXXXXX XXXX These occurred in XXXX XXXX, Nevada, at ATMs where I was not present and did not authorize any activity. 

I reported the stolen card and filed a dispute with Chime the following day, on XXXX XXXX XXXX, which was within two business days of discovering the unauthorized activity meeting the reporting requirements under Regulation E of the Electronic Fund Transfer Act.

Despite my timely report, Chime denied the dispute without providing documentation or explanation showing that I authorized the transactions. They later reopened the case but have still not issued a refund or even a provisional credit. I have repeatedly requested the investigation results and supporting documents but have received nothing.

Under Regulation E, if an investigation can not be completed within 10 business days, the bank is required to issue a provisional credit. I have not received one. These funds are critical, and I am seeking help in getting this matter resolved fairly.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), please block and delete them within XXXX days : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for my XXXX XXXX XXXX XXXX  listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2400.00}

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 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: FL

Complaint narrative:
Due to identity theft resulting from a data breach, fraudulent accounts have impacted my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: FL

Complaint narrative:
Due to identity theft resulting from a data breach, fraudulent accounts have impacted my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation