vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/2025, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 PLEASE REMOVE ALL ACCOUNTS A.S.A.P BANKRUPTCY 15 U.S. CODE 1681A 15 U.S. CODE XXXX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
I am filing this complaint as notice of my intent to sue Radius Global Solutions, LLC, for violating the Fair Debt Collection Practices Act ( FDCPA ). I received a debt collection letter from Radius alleging that I owe a consumer debt of {$2300.00} to XXXXXXXX XXXX XXXXXXXX, on or around XX/XX/year>. I submitted a written dispute and validation request on XX/XX/year>, and clearly instructed Radius to respond only by email at XXXX. This was stated in writing and reinforced in my initial email to the address they provided ( XXXX ). 

Despite this, Radius mailed a response to my home address. Their disregard for my written request for email-only communication is a violation of FDCPA 805 ( c ) and constitutes harassing or unfair contact under 806.

Additionally, their mailed response failed to include any valid proof of debt. No original signed agreement, contract, or documentation exists to prove that I agreed to the debt. I was provided only with internal ledger entries. This does not satisfy the validation requirements under FDCPA 809 ( 15 U.S.C. 1692g ).

This incident has caused emotional distress, anxiety, confusion, and embarrassment, especially as someone in my household saw the letter and questioned why I was receiving collection mail. I feel publicly shamed over a debt I do not even recognize. Their actions have disrupted my peace of mind and invaded my privacy.

I am requesting full accountability, an internal investigation into this handling, and confirmation that this alleged debt will no longer be pursued by Radius or reported to any credit reporting agencies.

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 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: GA

Complaint narrative:
So I paid my rent on the XXXX of this month. It was taken out of my account successfully. Now my landlord is trying to tell me that they never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: SC

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: WI

Complaint narrative:
I took out {$1000.00} cash advance on XX/XX/XXXX on my discover card, now on XX/XX/XXXX I was attempting to pay it off. When I called I asked how I could make a payment that would apply directly towards the cash advance, and I was told that I would have to wait until my statement window closed so a minimum payment amount could be established and then any payment above the minimum would go directly towards the cash advance ( highest interest rate ). But if I were to make a payment now, it would instead go towards my purchase balance, despite having already paid my last statement balance in full. Having to wait to pay off a cash advance forces you to incur daily interest which doesn't seem legal. I believe any extra payments should apply directly to any cash advance that is incurring interest already, as the existing purchases for the statement period are not yet charging any interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I made a payment of {$100.00} to my Avant Credit Card, which adjusted my available credit to {$300.00}, the card 's maximum limit. Shortly after, on XX/XX/XXXX, I utilized this credit to rent a car from XXXX through XXXX, spending {$72.00} on the rental and an additional {$16.00} for a Travel Protection Plan. This left me with {$210.00} in available credit. 

To ensure I had sufficient credit for the car rental hold, on the same day as the car rental and travel protection purchase, I attempted to increase my available credit from {$210.00} to {$280.00} making two payments in the amount of {$50.00} and {$20.00}, totaling {$70.00}. However, Avant processed this payment as an over payment rather than applying it to my available credit, which complicated my financial situation. 

On XX/XX/XXXX, after unsuccessfully securing the credit hold for the car rental, I was forced to cancel both rental and insurance, anticipating that these charges would be refunded back to my Avant card. Instead, Avant deducted the {$16.00} for the XXXX XXXX XXXX from the {$70.00} over payment, leaving me with a {$54.00} over payment and crediting only {$16.00} back to my available balance, which increased it to {$220.00}. The following day, XX/XX/XXXX, I received a {$72.00} refund for the car rental, but Avant only credited {$51.00} of this amount back to my account, adjusting my available credit to {$270.00}. 

Given that my original available credit was {$300.00}, the refunds from the cancellations should have restored my available balance to that amount, plus an over payment of {$70.00}. Instead, I ended up with a balance due of {$20.00}. Additionally, on XX/XX/XXXX, XXXX Car Rental charged my card {$17.00}, which should reflect an available credit to {$280.00}, plus the remaining {$70.00} over payment. 

An Avant representative offered to refund the {$70.00} over payment on XX/XX/XXXX, indicating it would take 5 to 10 business days. I chose to leave the over payment on my account for future use, expecting it would help manage my credit limit as I made additional transactions.

In summary, my experience with Avant has been frustrating due to mismanagement of my payments and refunds, leading to confusion about my available credit and unexpected charges. I feel that my over payment was mishandled, resulting in an inaccurate account balance and an overall loss of trust in their customer service. 

I took pictures of these transactions available in the attached files below. You will notice the first document shows an over payment of {$54.00}. This adjustment happened before I could take a picture of the showing {$70.00} over payment. Adding the {$16.00} to the {$54.00} over payment amount equals the original {$70.00} over payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: MD

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 2025-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit
State: MD

Complaint narrative:
I have had spotless credit for 35 years until XXXX XXXX somehow switched me to paperless billing. I never received any sort of electronic notice of amount due and was never connected by VW to advise of the delinquency. In fact, they did not have my phone number or email until I realized the account was past due and called them. I only noticed because my spotless credit score went down XXXX points ( now XXXX points ) as a result of the delinquency reported by them. I simply did not know that I was behind XXXX case I never received any notice from them. Only after I realized the situation, called them and paid the past due amount did they send a delinquent notice via USPS. All they had to do was call, email, text or send a letter and I would have paid immediately before the amount became so delinquent. Essentially, I get a lot of bills every month. They always sent a paper bill. Once that stopped I didn't realize I was past due. If you look at my account you will see that I had never missed a payment until they switched me to paperless billing. Also... I have learned that their paperless billing system does not send any sort of electronic notice of amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: MD

Complaint narrative:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against Experian regarding deceptive and manipulative billing practices related to their XXXX XXXX subscription. 

I am currently locked out of my Experian account and being forced to pay {$24.00} just to regain access to cancel the subscription. Their system prevents me from logging in or accessing any account settings unless I update my payment method and allow the charge to go through despite the fact that I want to cancel the service and do not authorize further charges. 

There is no clear, accessible option to cancel from the login screen, and customer service is only reachable via phone, which is unacceptable and violates the basic right to cancel a subscription without undue burden. This process is clearly designed to pressure users into paying to avoid hassle. 

I should not have to pay to cancel a service I no longer wish to use. This is not only unethical but potentially illegal under FTC and CFPB consumer protection rules. 

I am demanding the immediate cancellation of my account and confirmation that no charges will be made. I am also requesting that Experian be investigated for this exploitative tactic and required to offer a transparent, accessible cancellation 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 explanation
Consumer complaint received 2025-06-07 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: SC

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 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 2025-06-07 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  XXXX XXXX, has violated my rights. 

I looked at my credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any 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