vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Suing of Fraud Group ; Related bank Wells Fargo, XXXX XXXX XXXX XXXX XXXX Title : Suing a Fraud Group ( Title : Suing a Fraud Group ( Unreasonable disputed and Chargebacks for all flight purchased ) The incident happened on XXXXXXXX XXXX Day, XX/XX/year>. A man named XXXX XXXX ( XXXX XXXX  ) and his co-worker XXXX XXXX XXXX XXXXXXXX called me to book a flight. He said that he was introduced by his aunt and was also a frequent customer of ours. I didn't take it seriously. He booked a lot different and different people with business class tickets going to XXXX in the past few days. I didn't have any precautions at the time, but I kept their passports, credit cards and also gave them the authorization form to fill out. After the flight tickets was used up, they called the bank to dispute the transaction. All the transactions caused me to lose around ( XXXX ) I can't let them get away with it so easily. What is incomprehensible is why the bank would accept the disputed for more than three days? I never thought that my small travel company would be targeted by a fraud group. I just wanted to maintain my business philosophy. I never thought that the fraud group would take advantage of my kindness. 
I kept all the evidence and hope social sector can retrieve it for me. I am even less able to repay the airline 's debit memo. I have provided all the documentation and paperwork to the airline after it happened. I don't really understand why I have to bear all the responsibility. Are they bullying me, a small businesswoman? This matter makes me very upset and very angry. I cant afford this huge amount, and I sincerely hope that some kind person can help me claim this amount. Attached is all the evidence of the fraud committed by the deceptive group. Thank you so much.

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 2025-11-26 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-26 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: NC

Complaint narrative:
DEAR SIR/MADAM, I am filing this dispute regarding my credit report information, which I believe to be inaccurate and incomplete. Below are the details of the accounts in dispute, separated by credit bureau. 

INQUIRIES : XXXX, XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: WI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding several accounts that appear on my credit report. Below are the details of the accounts in dispute, separated by bureau : Charged Off Accounts XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3700.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Inquiries XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-11-26 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: SC

Complaint narrative:
Capital One is the company. 

I applied for a card, was approved, and have received my card. However I am unable to access my account, any documents, or do the needed balance transfer because my phone number shows as not registered. However, my phone number is registered, is updated in my account, and I've spoken to a company representative 3 times. Each time they say to just wait because it takes 24 hours to update a phone number in their system. It's been two weeks. The last representative said that it sometimes takes up to a month but they can't do anything about it. I was also hung up one two other times as I tried to get answers. 

Now I have a hard credit hit and I am unable to complete a balance transfer. If it isn't resolved soon enough, the opportunity to do a 0 % balance transfer will be over and I will have a hard credit hit. The efficiency of this company is terrible and the customer service is even worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
The information referenced presents a misleading depiction of my financial responsibility. Please verify and correct the record following review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am submitting this complaint because Radius Global Solutions is reporting a {$7000.00} collection account on my credit report, and there are multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and XXXX XXXX reporting standards. 
1. I never received any written notice prior to this account being placed on my credit report.

This is an immediate violation of FDCPA 809 ( a ), which requires a written notice containing the amount of the debt, the name of the original creditor, and my right to dispute within 30 days. I never received any letter, email, or communication before Radius Global reported this debt.

2. I have requested validation, and it has been well over 30 days with no response.

Radius Global has failed to send any form of verification, which is a violation of FDCPA 809 ( b ). 
A bill, statement, screenshot, or balance printout is not considered validation under federal law. 
What is required to validate a collection ( which I did NOT receive ) : The original signed contract or agreement bearing my signature Complete itemized accounting showing how the balance was calculated Proof of assignment or purchase from the original creditor Documentation from the original creditor confirming the debt is accurate, valid, and legally collectible XXXX XXXXcompliant reporting data Radius Global has provided none of the above. 
3. The account is being reported without verified accuracy.

Under FCRA 607 ( b ), a furnisher must ensure maximum accuracy. Reporting a debt without proof violates both FCRA and XXXX XXXX standards for data integrity. 
4. Radius Global is continuing collection activity without validation.

This includes reporting the account to the credit bureaus. Continuing to collect without validation is an FDCPA violation.

5. I am aware of Radius Globals history of complaints, lawsuits, and regulatory actions.

I have researched this company and understand the pattern of illegal practices involving improper verification, inaccurate reporting, and failure to follow validation procedures. 
6. I want this account removed immediately. 
Since Radius Global : Did not notify me before reporting Did not provide validation Failed FCRA accuracy requirements Continued collection activity illegally This account must be deleted from all credit bureaus. If this continues to be reported without proper validation, I will pursue legal action for FDCPA and FCRA violations.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days. 
The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported. 
I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

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 2025-11-26 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: CA

Complaint narrative:
I have identified unauthorized access to my credit report by several companies, which has resulted in direct harm to my credit standing and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. Unfortunately, this assurance has not been honored, as the inquiries persist on my report. 

This lack of resolution is concerning, particularly as it may indicate potential identity theft. The ongoing presence of these entries continues to cause emotional distress and financial repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: Experian Information Solutions Inc.
State: MN

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 2025-11-26 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: MN

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 2025-11-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
3. National Credit Systems Account XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year> National Credit Systems , Inc . 
Attn : XXXX Department RE : Debt Validation Request Account Ending XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am disputing the alleged debt referenced above. Under the FDCPA, I am requesting full validation of this account. 

Please provide the required documentation listed in this letter. Until validation is completed, you must cease all collection efforts and credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: UT

Complaint narrative:
Multiple accounts that I never opened or authorized are appearing on my credit report, and I have strong reason to believe this is the result of identity theft. These accounts were reported without my knowledge or consent and are providing an inaccurate and misleading picture of my financial history. This is a serious breach of my consumer rights, has caused significant stress, and undermines the integrity of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The IRS attempted to issue my XXXX XXXX XXXX Refund to my checking account with Citi on XX/XX/XXXX, but they were given an incorrect routing and account number by my tax preparer so I never received my deposit. 

On XX/XX/XXXX ( due to several factors ) I followed up with the IRS which is how I found out about the wrong info on file. In line with prior experience, they said that since it was attempted as an ACH deposit they can't issue a duplicate payment without first having the initial failed payment reversed by Citi. The IRS agent said they show record of them sending but no confirmation or response from Citi since. They referred me to call and request that Citi send it back so that the IRS can reissue as a check since my account with them was now closed. 

I contacted Citi via their chat support and explained the issue probably about a dozen times but they barely understood at first, saying my account can't accept a deposit bc it's closed and urging me to open a new one with them. I said no, and kept reiterating that the IRS needs them to reverse the payment so I can touch base from there. 

They then kept checking the closed account over and over saying no history of the transaction was showing even though I kept repeating * why * it wasn't and saying that's not the issue here. 

Eventually I got frustrated and asked for a supervisor and had to go through the entire thing again but once they finally got it they just kept referring to the IRS. The agent kept saying they can't access the payment in question and can't go checking other random peoples ' account even though I never asked for that. I asked to escalate further and they refused, and said Citi can't reverse a payment on their end ( false ). I asked for a copy of my interaction and they refused and told me to make one myself. 

I attached the copy/pasted chat text but it's terribly formatted, I find it odd they don't have some method of storing transcripts for these so I'm sorry about that.

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL

Complaint narrative:
Hello, Id like to file an official complaint about XXXX 's censorship policies regarding the sale of adult content on platforms such as XXXX and XXXX. Pressuring companies to delist and delete artworks based on their perceived moral content is a clear violation of freedom of speech and expression. These policies defund and silence marginalized creators, such as female, XXXX  and XXXX+ artists. By stifling creative freedom, you are actively destabilizing the online entertainment market, you are ruining your companys profits, and you are making life harder for your customers and clients. This is a huge mistake. 

XXXX. was not created to be a cultural gatekeeper. Your customers are adults. They are fully capable of choosing what they watch, read, or play. Stop censoring artists. 

Thank you for your time and attention.

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
XX/XX/XXXX My card was used while out of town in a job for XXXX transactions at XXXX XXXX in the amount of XXXX and XXXX and in XX/XX/XXXX on another account while out of town in XXXX on a job a wire transfer in the amount t of XXXX after they tried to Applepay XXXX first and I was contacted by the bank and I denied it to go through telling them I did not authorize it

Company response to consumer: Closed with explanation