vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I was notified by my credit monitoring service that I had a debt in collections that appeared on my credit report. 
After reviewing this debt, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ). I contacted XXXX hospital and confirmed this is not my debt or my bill. 
XXXX data breach XXXX compromised my identity and this collection company owned by XXXX XXXX XXXX obtained my identity, ( stolen or purchased, I know not ), created a false account and reported it illegally to the XXXX credit reporting agencies. 
I emailed this company and they ignore all attempts to resolve this issue. 
I disputed the collection with the reporting agencies and this company is refusing to comply in removing this from my credit report and removing my stolen/compromised sensitive personally identifiable information which violates the consumer financial protection bureau Act to prevent erroneous reporting to credit bureaus and the fair debt collection practices act by using illegally obtained information for profit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Subject : Account Closure and Recovery Request Dear Cash App Support Team, I'm writing to express my concern and frustration regarding the sudden closure of my Cash App account. Despite having no outstanding issues or violations, my account was closed without warning or explanation. I've reviewed my account activity and can confirm that I've used the platform responsibly.

I understand that Cash App may have measures in place to protect users, but the lack of transparency and communication regarding the closure has caused me significant inconvenience. I'm requesting that my account be reinstated and any held funds be released.

I've tried to resolve this issue through the app, but unfortunately, I've been unable to get the assistance I need. Could you please look into this matter and provide a detailed explanation for the account closure? I'd appreciate any guidance on how to resolve this issue and regain access to my account. 

XXXX XXXX XXXX I look forward to hearing from you soon. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau www.consumerfinance.gov/complaint Subject : Formal Complaint Against Radius Global Solutions for Attempted Collection of Time-Barred Debt Dear CFPB, I am writing to file a formal complaint against Radius Global Solutions , located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Radius Global Solutions has recently attempted to collect a debt from me that is clearly outside the legal statute of limitations. Under Texas Civil Practice and Remedies Code 16.004, the statute of limitations for collecting a consumer debt is four ( 4 ) years. This alleged debt dates back well beyond that limit and is therefore legally uncollectible.

Despite this, Radius Global Solutions has : Initiated collection efforts without proper validation of the debt.

Failed to inform me that the debt is time-barred and unenforceable in court.

Continued communication even after being instructed to cease and desist.

Possibly engaged in re-aging the debt on my credit report to make it appear newer and more harmful.

These actions violate the Fair Debt Collection Practices Act ( FDCPA ) and could also be in breach of the Fair Credit Reporting Act ( FCRA ). They are deceptive, coercive, and intentionally damaging.

This is not just a legal matter its personal.

I am currently in the process of trying to purchase a home for my family, and this wrongful collection activity is jeopardizing our ability to close. The reappearance of this invalid, time-barred account on my credit report has caused unnecessary credit score impact, stress, and instability. This is affecting my familys well-being, our living situation, and our financial plans.

I respectfully request that the CFPB : 1. Investigate Radius Global Solutions for unlawful and deceptive debt collection practices.

2. Require the immediate cessation of all contact and collection efforts by Radius.

3. Ensure this debt is not sold or transferred to another agency, nor re-aged on any credit report.

4. Confirm whether any reporting to credit bureaus violates federal consumer protection laws.

5. Provide accountability and relief to prevent this from causing further hardship during the home-buying process.

I am asking for your urgent attention to this matter due to the immediate and serious impact it is having on my familys housing situation. Please advise me of the next steps or if you require further documentation, including credit reports or collection letters. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX 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 2025-06-14 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: OH

Complaint narrative:
Follow-Up Letter : Request for Action Subject : Follow-Up on Dispute Request No Response Received Dear Equifax, I am writing to follow up on my previous correspondence sent on XX/XX/year> and opened XX/XX/year>, wherein I requested the blocking and deletion of fraudulent accounts from my credit report, as well as the removal of outdated personal information. I was expecting a response within four business days, as required under 15 USC 1681c-2 and the Fair Credit Reporting Act ( FCRA ).

As of today, I have not received any acknowledgment or resolution to my request. Please be aware that the omission of timely communication on this matter may violate consumer protection laws. Specifically, under the FCRA, you are obligated to complete this investigation within 4 days of receiving my dispute. Failure to do so may expose your organization to statutory damages that could range from {$100.00} to {$1000.00} per violation, as well as possible punitive damages, attorneys fees, and the costs of bringing the action.

If I do not receive a satisfactory resolution within another four business days, I will have no choice but to consider all available options to enforce my rights and will pursue legal action for non-compliance.

I kindly request immediate confirmation of receipt of my original dispute and details regarding the progress of the actions taken.

Thank you for your prompt attention to this matter. I look forward to your response!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with 15 U.S.C. 1681i ( 7 ) I dispute the unauthorized inquiries as it lacks valid verification and evidence making it a violation. Please delete this inaccurate information promptly.

Please remove or delete ( Fraud alert with California address ). Please correct all inaccuracy and discrepancies with my address and add my phone XXXX to my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
" I found an inaccurate negative items on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item. '' Thank you so much for your time

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 2025-06-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: HI

Complaint narrative:
Dispute.denied for XXXX transactions so quick and failed to provide investigation details but XXXX transactions dispute on credit builder account approved after a month long investigation same merchant transactions link the charges on both disputes together same merchant when transactions end in credit builder card it continued on debit card both accounts are on same online account login everything is same if there is evidence of compromised account on credit builder card then there is compromised debit card as the both are shared funds account as a whole XXXX transactions shouldn't be completed if undergoing a honest investigation before XXXX transactions requested multiple times for the information used to determine the reason for denying the dispute and still chime hasn't provided it to me it seems as if they denied the XXXX transaction dispute soley due to the dollar amount of the dispute vs the investigation it's self because if so why is XXXX transactions take a month to resolve and XXXX resolved in less thren XXXX days one dispute I. My favor XXXX transactions XXXX denied XXXX transactions from same merchant transactions tie both cards and transactions together both accounts share same online account login info so if XXXX is compromised both is compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
am filing this complaint regarding my federal student loan, originally issued by the XXXX XXXX XXXX and currently serviced by [ insert your servicer here, e.g., XXXX, XXXX, XXXX ]. 

My loan account is being reported as 120+ days late on my credit report ( as of XXXX  ), but I was not actively billed or required to make payments during this period. The account also shows multiple months marked as Unknown or forbearance, which contradicts the delinquency status. This reporting is inconsistent, misleading, and likely violates the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the inaccurate late payment marks and derogatory status be reviewed and corrected immediately. I am willing to provide my loan forbearance history or deferment timeline from XXXX if needed. 

This issue is currently harming my credit and preventing me from qualifying for affordable financing. I respectfully request that the CFPB investigate this matter and ensure my loan servicer is reporting my account accurately.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
am filing this complaint regarding my federal student loan, originally issued by the XXXX XXXX XXXX and currently serviced by [ insert your servicer here, e.g., XXXX, XXXX, XXXX ]. 

My loan account is being reported as 120+ days late on my credit report ( as of 2025 ), but I was not actively billed or required to make payments during this period. The account also shows multiple months marked as Unknown or forbearance, which contradicts the delinquency status. This reporting is inconsistent, misleading, and likely violates the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the inaccurate late payment marks and derogatory status be reviewed and corrected immediately. I am willing to provide my loan forbearance history or deferment timeline from XXXX if needed. 

This issue is currently harming my credit and preventing me from qualifying for affordable financing. I respectfully request that the CFPB investigate this matter and ensure my loan servicer is reporting my account accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
am filing this complaint regarding my federal student loan, originally issued by the XXXX XXXX XXXX and currently serviced by [ insert your servicer here, e.g., XXXX, XXXX, XXXX ]. 

My loan account is being reported as 120+ days late on my credit report ( as of 2025 ), but I was not actively billed or required to make payments during this period. The account also shows multiple months marked as Unknown or forbearance, which contradicts the delinquency status. This reporting is inconsistent, misleading, and likely violates the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the inaccurate late payment marks and derogatory status be reviewed and corrected immediately. I am willing to provide my loan forbearance history or deferment timeline from XXXX if needed. 

This issue is currently harming my credit and preventing me from qualifying for affordable financing. I respectfully request that the CFPB investigate this matter and ensure my loan servicer is reporting my account accurately.

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 2025-06-14 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized and unverified hard inquiries that have appeared on my credit report without my knowledge, consent, or permissible purpose as required by federal law. These inquiries have negatively impacted my credit score, caused emotional distress, and hindered my ability to obtain new credit. 
Despite not initiating any credit application or providing authorization to the following companies, hard inquiries were made against my credit file : Disputed Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Issue : I did not apply for any loan or credit with XXXX. This inquiry was made without my knowledge or consent. 
o Violation : This inquiry constitutes a violation of the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ), which requires that inquiries must be made only with a permissible purpose. XXXX has failed to provide such justification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Issue : I never authorized XXXX XXXXo access my credit information. No application was submitted, and no business relationship exists.

o Violation : This inquiry also violates FCRA 604 ( a ) ( 3 ) and possibly FCRA 607, which mandates that consumer reporting agencies must have reasonable procedures to ensure that inquiries are made only with proper authorization. 
Impact on Me : These unauthorized inquiries have directly harmed my credit profile by reducing my credit score and creating the false impression that I am actively seeking new credit. This has affected my ability to secure favorable loan terms and has led to emotional distress and financial instability.

Requested Resolution : Immediately remove the unauthorized inquiries from my credit report with all credit bureaus ( TransUnion, Equifax, and Experian ).

Investigate how and why these inquiries were made without proper consent.

Provide me with a written statement confirming the removal and outcome of the investigation.

Take appropriate regulatory action against any party found to be in violation of FCRA.

Laws Violated : FCRA 604 ( a ) ( 3 ) Permissible purposes of consumer reports FCRA 607 ( a ) Compliance procedures FCRA 616 & 617 Civil liability for willful and negligent noncompliance Please take this matter seriously and act promptly to ensure that consumer rights are not violated with impunity.

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 2025-06-14 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: IL

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 explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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
Consumer complaint received 2025-06-14 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: MO

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft and did not authorize these items.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and delete the unauthorized information. Enclosed are my FTC Identity Theft Report, a list of disputed items, photo ID, and proof of address. 

Please investigate and confirm removal in writing. Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
am filing this complaint regarding my federal student loan, originally issued by the XXXX XXXX XXXX and currently serviced by [ insert your servicer here, e.g., XXXX, XXXX, Nelnet ]. 

My loan account is being reported as 120+ days late on my credit report ( as of XX/XX/XXXX), but I was not actively billed or required to make payments during this period. The account also shows multiple months marked as Unknown or forbearance, which contradicts the delinquency status. This reporting is inconsistent, misleading, and likely violates the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the inaccurate late payment marks and derogatory status be reviewed and corrected immediately. I am willing to provide my loan forbearance history or deferment timeline from XXXX if needed. 

This issue is currently harming my credit and preventing me from qualifying for affordable financing. I respectfully request that the CFPB investigate this matter and ensure my loan servicer is reporting my account accurately.

Company response to consumer: Closed with explanation