vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Today I received a text from Radius Global solutions l l c. Saying they are adept collector and to contact them, gave a phone number and a reference number. I called them,, the asked last XXXX numbers of my SS acct. and zip code, they said the bill was from XXXX XXXX ( which quit in XXXX of XXXX  ) I have been getting regular emails saying I owed money for a past due debt an to pay, I called XXXX XXXX which was hours long trying to get through when no longer a customer, finally after talking to some representative, and them asking multiple Questions, and being on hold 4 times, XXXX. XXXX said I owe nothing, all bills were paid!

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 2025-10-07 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$85.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX fl XXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX  XXXX XXXX, TX XXXX Re : Follow-Up Investigation Request Under the Fair Credit Reporting Act ( FCRA ) Re : Verified Account [ XXXX XXXX XXXX ] To Whom It May Concern : I am writing in response to your notice stating that the above-referenced account has been verified as accurate following my dispute. This letter serves as a formal follow-up request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, for full disclosure of the method of verification used in your investigation.

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am demanding that Experian provide : A detailed description of the method used to verify the accuracy and completeness of the disputed information ; The name, mailing address, telephone number, and contact person of the data furnisher that verified the information ; and Documented proof that a reasonable reinvestigation was conducted in compliance with federal law. 

As you are aware, simply confirming data electronically or through an automated system does not satisfy the statutory requirement of a reasonable investigation. If Experian fails to provide the requested verification details and documentation, such failure will constitute a violation of 15 U.S.C. 1681i ( a ).

Please note that until full verification and documentation are provided, I maintain that the account in question is in dispute and must be reflected as such on my credit report in accordance with 15 U.S.C. 1681c ( f ). 

I expect this information to be provided to me in writing within 15 business days of receipt of this letter. 

Sincerely, XXXX XXXX [ Date of XXXX ] [ Last XXXX of 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing inaccurate information on my credit report that fails to meet the standard of maximum possible accuracy. These errors are harming my credit and causing ongoing hardship.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Insurance companies such as XXXX, XXXX and others has violated my data and also XXXX  as well has had a Data breach. Things are on my credit report fraud has been reported bringing down my credit score.

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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I made a substantial payment ( {$1300.00} ) in XXXX which I believed completely paid the balance on this card. Despite that, Cap One charged a {$31.00} past due fee on XX/XX/XXXX for what apparently was {$31.00} residual interest. A {$31.00} past due fee charge for only {$31.00} remaining balance is unconscionable. Despite all that, today ( XX/XX/XXXX ) after receiving the past due text from Capital One, I immediately paid the {$31.00}. 

I attempted to resolve this with a CapitalOne call center representative, but the XXXX person who answered was difficult to XXXX, and the phone call quality was terrible. XXXX send XXXX customers to XXXX  call centers?!? Nothing enrages customer more than that one XXXX  policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Byrider Franchising, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX I started making payments on a XXXX XXXX XXXX  to start off the employee manipulated me and saw that I was desperate and he told me not to read the contract. He said everything said the same thing I did not even know that he was charging me XXXX for this car I would never have agreed to it so far I paid over XXXX and the requesting another XXXX I paid for them to fix the motor blower for the air conditioning in the heater and it has broken three times and the contractor states that if something breaks down three times I can request my money back and get out of the contract also, right after I got the vehicle they stopped selling vehicles out of the dealership and then they were only working on the vehicles that had warranties and accepting the payments. My car is still under their warranty. They stopped working on vehicles from out of their shop. They sent me to a Private dealer that put a bad engine in because my engine blew and the check engine light is on. It has a bad smell going up the hill and the motor blower is broken again and it states in the contract that if the car is under maintenance for more than 15 days, then I can get my money back and when he was doing the engine, it took more than 15 days. The man denied me a receipt for his work. He said that he was dealing with the dealership when I want cause theres still a warranty. I spoke when I spoke to the employee. He said that Im not eligible to get out of the loan and get my money back. He said that thats just under the lemon law contract but theyre breaching the contract because they sent me to that Private mechanic now the check engine light is on the engine is failing he told me that I had to deal with the mechanic one on one about the engine blown. It wasnt his concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/XXXX, I received a payroll deposit from my employer and it was deposited into my Chime checking account. I also have a credit builder card, which had a {$0.00} balance for payoff. All funds had been allocated to pay off the next credit statement this means any future deposits were to be deposited into my checking account and remain there. I saw notification that my money was deposited so I had checked my account since I was surprised that my employer deposited while I was in XXXX leave. Now, there seems to be a discrepancy where customer support can not confirm a real reason as to why the last deposit was taken, transferred to my credit builder account and my checking account is {$0.00}. There is no way for me to get the funds back or file a dispute. There have also been many disputes where I have filed due to online fraud activity and NONE of my funds are ever refunded with a valid reason. I fight with customer service and each time, they put me on hold and come back to give me a new answer and then repeat themselves. This has ultimately left me without almost {$1500.00} over the past 4 years I have had these two accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Im disputing an inaccurate charge-off reported by XXXX XXXX for a credit card account. The charge-off was reported around XX/XX/year>. XXXX XXXX did not follow proper FCRA and FDCPA requirements when reporting late payments that led to the charge-off. The account information being furnished is incomplete and inaccurate. Ive requested verification and correction, but the information remains incorrect. Im requesting that the CFPB investigate this matter and require XXXX XXXX to remove the charge-off and correct all related reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: IN

Complaint narrative:
Im disputing an inaccurate charge-off reported by XXXX XXXX for a credit card account. The charge-off was reported around XX/XX/year>. XXXX XXXX did not follow proper FCRA and FDCPA requirements when reporting late payments that led to the charge-off. The account information being furnished is incomplete and inaccurate. Ive requested verification and correction, but the information remains incorrect. Im requesting that the CFPB investigate this matter and require XXXX XXXX to remove the charge-off and correct all related reporting errors.

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 2025-10-07 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 am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

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 2025-10-07 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: AL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after 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 2025-10-07 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: CA

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 2025-10-07 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: CA

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 2025-10-07 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX 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 non-monetary relief
Consumer complaint received 2025-10-07 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have XXXX credit card accounts with Capital One. I was a victim of fraud on all XXXX accounts. Fraudulent purchases were made on all XXXX accounts. When I discovered the fraud I reported it to Capital One. They confirmed that I was a victim of fraud and they removed all the charges. 

Whomever committed the fraud also made payments to my Capital One accounts which were ultimately false payments that were returned by the banks upon which the payment was drawn. It appears they did this so they could get more credit to use for the fraudulent transactions. I told Capital One I am not affiliated with any of these bank accounts, and I did not make any of these payments. 

They have removed all the fraudulent transfers but will not let me use the card. They have it on permanent restriction due to insufficient fund payments. Again, these payments were not made by me, nor did I have anything to do with these accounts. 

I am a single XXXX  of XXXX children. I use my credit cards to survive. I now have no credit and can not make purchases for my family. 

For your reference, Capital One has assigned this case number : XXXX Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation