vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: MA

Complaint narrative:
I sent Radius Global Solutions a formal written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). In that letter, I disputed the alleged debt in its entirety and requested full, specific, and verifiable documentation to substantiate their claim.

Specifically, I requested the following documents : A true and legible copy of the original signed contract with the original creditor. 

The full chain of title, including all assignments and transfers from the original creditor to Radius Global Solutions. 

Proof that Radius Global Solutions is the Holder in Due Course, pursuant to the Uniform Commercial Code ( UCC ) Articles 3 and 9.

If securitized, the Pooling and Servicing Agreement ( PSA ) and Schedule of Assets identifying the alleged account. 

A complete debt itemization, including principal, interest, fees, penalties, and payments made ( pursuant to 12 CFR 1006.34 ( c ) ( 2 ) ).

Documentation proving legal standing to collect and report the alleged debt.

Copies of all prior communications related to this alleged account.

To date, the company has failed to provide this documentation. Instead, they have attempted to continue reporting and collecting without fulfilling their legal obligations. 

This conduct constitutes multiple violations of federal law, including but not limited to : FDCPA 15 U.S.C. 1692g ( b ) : Continuing collection activity without providing proper validation.

FDCPA 15 U.S.C. 1692e : False representation of authority or ownership of the debt.

FCRA 15 U.S.C. 1681s-2 ( b ) : Furnishing and verifying inaccurate or unsubstantiated information with credit reporting agencies. TILA 15 U.S.C. 1641 ( g ) : Failure to disclose transfer of ownership from the original creditor.

UCC Articles 3 and 9 : Attempting to collect without proof of legal standing or holder-in-due-course status.

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 2025-08-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: KS

Complaint narrative:
XX/XX/year> I called netspend, as I keep getting emails to activate my card. I do not have a netspend card & have never received any mail for one. When I called XXXX I could barely understand the guy. I told him I wanted taken off the mailing list & he kept saying " you want to close your account? '' I said no I dont have an account & he said he needed my full social security # to bring up my account. I refused saying you only need the last XXXX to look up an account & you can do it by my name as there is only XXXX XXXX XXXX in the XXXX. I told him again I had no account, I dont want an account, I just want off the mailing list. He kept saying he had to have my full social, so I hung up & emailed them. They didn't even read the email, just sent a reply they cant close my account unless I call. I replied I was filing a complaint. I dont know if someone stole my mail & opened an account in my name, but unless im filling out medical or banking info I dont give out my ss #. I believe they are stealing people 's numbers to use in fraudulent ways & im afraid something will show up on my credit, which is not mine. The obviously dont care about their customers unless you give them your ss #

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 2025-08-17 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: AR

Complaint narrative:
I took a look at my credit report and noticed a fraud accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
XXXX XXXX XXXX originated a consumer credit account in my name through XXXX XXXX XXXX On XX/XX/year>, XXXX admitted in writing that the account was sold to Velocity Investments , LLC and that Velocity became the servicer and recipient of payments. 

Despite this, XXXX has continued to allow the account to be reported on my credit report as if it still owns the receivable. This is inaccurate and misleading, since XXXX has no legal ownership once the account was sold. 

XXXX  own SEC filings confirm this practice. In its Form XXXX ( XXXX XXXX XXXX  ), XXXX  disclosed that : Certain subsidiaries of the Company will XXXX or contribute substantially all of their accounts receivable to the XXXX, XXXX separate legal subsidiary whose assets are not available to satisfy other creditors of the Company. 

XXXX also admitted : The XXXX pledged its ownership interest in the Receivables as collateral security for all amounts outstanding under the XXXX XXXX XXXX 

In its prospectus, XXXX further stated : XXXX intends to issue quarterly securitizations that will give institutional investors a consistent and repeatable way to invest through the platform. 

And in its XXXX, XXXX acknowledged XXXX We routinely depend on sales of receivables and securitization structures to fund our operations and manage credit exposure. 

These statements confirm XXXX  own business model is to sell and securitize consumer receivables. Once sold, XXXX  can not legally continue to represent ownership or furnish information showing a balance due under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) ) and Generally Accepted Accounting Principles ( GAAP ). 

Velocity Investments has also failed to provide proper validation of debt under the Fair Debt Collection Practices Act ( FDCPA ), including chain of title, signed agreement, and accounting records. As a result, I am subjected to inaccurate credit reporting and debt collection attempts without proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I told them it was a account open without my consent I dont know what happened after that they never call Back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Kornerstone Credit,  LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Harassing Debt Collection Calls from XXXX XXXX XXXX XXXX KORNERSTONE CREDIT XXXX XXXX  To Whom It May Concern, I am writing to formally submit a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX for repeated harassing debt collection calls. Despite my prior request that they stop contacting me, I have received approximately 10 calls from their representatives.

During these calls, I was subjected to threats, including being told I could lose my home. The callers also yelled at and intimidated me, which has caused significant fear, distress, and emotional harm.

I am submitting evidence, including : A screenshot of a recent call from XXXX XXXX XXXX XXXX XXXX KORNERSTONE CREDIT XXXX XXXX XXXX XXXX XXXX XXXX KORNERSTONE CREDIT XXXX XXXX  Documentation showing how this account is being reported on my credit report.

Violations of Federal Law Each call and each threat is a clear violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Specifically : 15 U.S.C. 1692d ( 5 ) Prohibits causing a telephone to ring repeatedly or continuously with intent to annoy, abuse, or harass.

15 U.S.C. 1692d Prohibits conduct with the natural consequence of harassing, oppressing, or abusing the consumer.

15 U.S.C. 1692e ( 4 ) & ( 5 ) Prohibits making false threats of legal action or threats to seize property ( such as my home ) when such action is not lawful or intended.

15 U.S.C. 1692e ( 10 ) Prohibits the use of false, deceptive, or misleading representations.

Each of the 10 calls represents an individual violation. Each threat made during these calls constitutes an additional violation.

Requested Resolution I respectfully request that the CFPB : 1. Investigate XXXX XXXX  for their repeated harassing and unlawful collection practices. 
2. Compensate me {$1000.00} per violation, totaling {$10000.00}, as provided under the FDCPAs statutory damages provision.

I trust that the CFPB will take appropriate action to ensure my rights as a consumer are protected and that XXXX XXXX is held accountable for their unlawful practices.

Thank you for your time and attention to this matter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I filed a PayPal dispute regarding a XXXX purchase I had returned ( in full compliance with XXXX 's Return Policy ) but not been refunded for. I had tried to resolve the issue with XXXX before disputing, to no avail. 
After I filed the dispute, on XX/XX/XXXX, XXXX finally responded, acknowledged the error on their end, and said they had processed the refund back to my PayPal account. However, because the PayPal dispute was open ( even though it was supposed to have been resolved by then ), I did not receive said refund. 
On XX/XX/XXXX, PayPal denied the case because of a case-type error ; they make you select a reason for the case and none of them fit ( I returned the merchandise, unworn and with tags attached, because I didn't like it, which is fully permissible per XXXX 's Return Policy, but that wasn't an open so I selected the closest option, while explaining the actual reason in the documentation I submitted ). I immediately appealed and selected " Other '' as the reason and again explained why I had returned the product. 
This case has now been open on PayPal 's end for TWO AND A HALF MONTHS. Because it has taken so long, I am unable to file a chargeback dispute with my credit card company due to the timeframe limits for doing so. As certified by XXXX in the attached documentation, PayPal has had the funds back since XX/XX/XXXX -- for over a month! Yet they still have not released them back to me. I have now paid {$17.00} in interest on this merchandise I returned timely and compliantly. This is inexcusable. PayPal keeps pushing back the expected resolution dates without rationale, my funds are still being held hostage, and interest continues to accrue. I must be reimbursed for not only the returned merchandise but also the interest that has accrued while PayPal holds the money XXXX sent back to them to be returned to me. That money should be in my high-yield savings account earning 5 % interest. The consumer harm here is profound. 

The order/item in question, as well as return tracking ID, follow : Order XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX Dispute amount {$53.00} + {$17.00} = {$71.00} All evidence and correspondence, etc. is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
I am writing to dispute inaccurate information on my XXXX  credit file. I have been the victim of identity theft, and my credit report contains fraudulent accounts and an eviction record that do not belong to me. 

The fraudulent account is listed as follows : Creditor : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Reported Balance : {$19000.00} ( as of XX/XX/XXXX ) Last Updated : XX/XX/XXXX Last XXXX of Account : XXXX Resolution Requested : Please remove this fraudulent account, the false eviction record, and any other unauthorized information from my credit file. Provide me with an updated report and written confirmation of the corrections.

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 2025-08-17 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: FL

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 use XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A.States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convections of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IA

Complaint narrative:
On XX/XX/XXXX and approximately XXXX central time, I received a phone call from the chime bank phone number and I had also received texts saying my card was being used in a different state, they claimed to be calling because I did not respond in a timely manner to let them know if these charges were from me or not. When I told them it was not me, the said they needed to shut my account down due to fraud and to send all my money in my checking and savings to this online account that even had a chime card attached to it, so that they could get me a new account set up. They knew the last 4 of my social they reassured me they were chime because the number they were calling from was the same as the number on the back of my debit card. So I finally reluctantly did it, {$1200.00} gone.... I disputed it with chime 3 times and they continue to deny me a refund. That was everything I had every last dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$26000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-17 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
To Whom It May Concern : I am writing under the authority of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 1681e ( b ) ( Sections 604 and 607 ), to demand that all outdated, inaccurate, or unnecessary personal identifiers ( specifically all prior addresses ) be removed from my credit files with Equifax, Experian, and TransUnion. 

The FCRA requires that consumer reporting agencies maintain only accurate and relevant information. Outdated addresses and phone numbers are no longer valid, serve no permissible purpose under 604, and increase my risk of fraud and identity theft. These entries are obsolete and must be removed to ensure full compliance with 607, which requires agencies to follow reasonable procedures to assure maximum possible accuracy. 

My only accurate and current contact information is as follows : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX I am enclosing copies of my government-issued ID and proof of my current address for verification. You are hereby instructed to investigate and confirm deletion of all prior addresses and phone numbers from my file across all nationwide consumer reporting agencies. Please provide written confirmation of these deletions within the 30-day period allowed by 611 ( a ) of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To Whom It May Concern : I am writing under the authority of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 1681e ( b ) ( Sections 604 and 607 ), to demand that all outdated, inaccurate, or unnecessary personal identifiers ( specifically all prior addresses ) be removed from my credit files with Equifax, Experian, and TransUnion. 

The FCRA requires that consumer reporting agencies maintain only accurate and relevant information. Outdated addresses and phone numbers are no longer valid, serve no permissible purpose under 604, and increase my risk of fraud and identity theft. These entries are obsolete and must be removed to ensure full compliance with 607, which requires agencies to follow reasonable procedures to assure maximum possible accuracy. 

My only accurate and current contact information is as follows : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX I am enclosing copies of my government-issued ID and proof of my current address for verification. You are hereby instructed to investigate and confirm deletion of all prior addresses and phone numbers from my file across all nationwide consumer reporting agencies. Please provide written confirmation of these deletions within the 30-day period allowed by 611 ( a ) of the FCRA.

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