vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am disputing the accuracy and reporting of this collection account. 

Radius Global Solutions is reporting a collection allegedly related to XXXX XXXX XXXX  with a balance of {$2300.00}. The account lacks proper documentation proving my legal obligation, original signatures, including a complete itemization of charges and evidence of lawful assignment. 

Additionally, this account is reporting as continuously delinquent despite no verified payment history or contract being provided. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) requiring furnishers to report information accurately and completely. 

I previously disputed this account and have not received adequate validation. I am requesting that Radius Global Solutions either provide full verification or remove this account from my credit report. 

I am requesting deletion due to inaccurate and unverified 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 non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Account Systems of Omaha, LLC
State: TX

Complaint narrative:
I am disputing the accuracy and validity of this collection account being reported by National Account Systems. 

This account is allegedly associated with XXXX XXXX XXXX. The collection agency has not provided documentation showing I agreed to the charges, nor proof of lawful ownership of the debt. 

Additionally, the account is being reported with incomplete information, including missing contract details and an unsupported balance amount. This violates the Fair Credit Reporting Acts requirements for accurate and verifiable reporting. 

I am requesting that this account be deleted due to lack of proper verification and continued inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-19 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I disputed inaccurate credit reporting by Citibank , N.A . ( CBNA ) regarding a Home Depot credit card tradeline that was included in a XXXX  XXXX bankruptcy. Despite repeated disputes and completed investigations, Citibank continues to furnish inaccurate and internally inconsistent information to certain consumer reporting agencies. 

Using the same bankruptcy records and dispute submissions, XXXX  determined that this CBNA tradeline could not be verified and deleted the account from my XXXX  credit report. However, Citibank continues to report this same account to XXXX XXXX XXXX 

The information reported to XXXX XXXX XXXX reflects bankruptcy status combined with delinquency and past-due indicators that can not lawfully coexist under credit reporting standards. The continued reporting is materially inconsistent with XXXX  deletion and demonstrates that the information lacks a reliable and verifiable factual basis. 

Although Citibank marked its investigations as complete or updated, the inaccurate reporting was not corrected or deleted at XXXX XXXX XXXX. This constitutes a failure to conduct a reasonable reinvestigation and a failure to ensure maximum possible accuracy after receiving actual notice of dispute. 

Furnishing information that has already been deleted by XXXX  due to unverifiable reporting establishes that the data can not be substantiated. Continued reporting under these circumstances violates the Fair Credit Reporting Act, including duties imposed on furnishers after dispute, and applicable provisions of the Texas Business & Commerce Code governing false, misleading, or deceptive credit reporting practices. 

Any reinsertion of this tradeline at XXXX, where it has already been deleted due to unverifiable reporting, would also violate federal reinsertion protections.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
b'I am disputing an address on my credit report that does not belong to me. \nThis address is inaccurate and is the result of identity theft and/or a mixed consumer file.\n\nI previously disputed this address directly with the credit reporting agency and provided proof of my correct address and identity. Despite this, the address was verified and remains on my credit report.\n\nUnder the Fair Credit Reporting Act (15 U.S.C.  1681e(b) and  1681i), credit reporting agencies are required to maintain accurate personal information and to delete unverifiable or inaccurate data.\n\nI am requesting immediate deletion of the incorrect address and written confirmation once corrected.\nXXXX XXXX\nXXXX XXXX XXXX, MO\nXXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,\nFL XXXX\nXXXX XXXX XXXX XXXX, MO XXXXnXXXX XXXX XXXX XXXX XXXX XXXX MO\nXXXX\nPhone Number\nPhone Number\nPhone Number\nXXXX\nXXXX\nXXXX'

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 2025-12-19 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: NY

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 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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
Consumer complaint received 2025-12-19 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: NY

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: TN

Complaint narrative:
XXXX Account XXXX : XXXX The collection agency is reporting a XXXX debt without providing validation. They have not produced a signed contract, itemized billing statements, proof of ownership of the debt, or documentation showing their right to collect. They are reporting unverified and inaccurate information, which violates the FCRA. This incorrect reporting is preventing me from securing housing. I am requesting CFPB assistance to have this matter investigated and corrected, including the removal of this account if it can not be validated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
On XX/XX/year> my wife and I went to the Valley Bank branch in XXXX XXXX to open two CD 's.

The website for Valley advertises a 4 % APY 3 month CD for new accounts only. We do not have accounts there. We met with a lady named XXXX who told us that offer was only good for online customers meaning I could only open the CD 's online not in person. There is nothing on their website that indicates the restriction. As we were leaving another woman came by and said there might be a way to get around the restriction. At this point we were no longer interested because this seemed like a " bait and switch '' scheme. I emailed a complaint to Valley, but never got a response. Their website has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ShoulderTap Technologies, Inc. d/b/a Fizz
State: AL

Complaint narrative:
I signed up for Fizz and XXXX XXXX and cancelled the same day due to it not being the services I thought they were. I kept receiving a email stating if I didnt pay within 14 days the account would be inactive. They charged my savings account on XX/XX/XXXX. I contacted the people and they processed a refund. After the refund was processed I then proceeded to remove my bank information and the only way in doing so is adding another bank. So I connected XXXX thats inactive. The next day my refund goes into the inactive bank account. I contacted them asking how was the refund not returned to the account it was taken from and I was told all payments are returned back to where they are taken from. I then asked for a supervisor and was then told the refunds are sent to whatever the primary checking account is. But the money wasnt taken from a checking account it was taken from a savings account. And now they are not willing to return the money where it was taken from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: NC

Complaint narrative:
I was in the process of refinancing my home through XXXX XXXX, I have solar panels on my home and XXXX sent the finance company Solar Servicing LLC formerly Mosaic a subordination to complete. They never got a response, I called the company on multiple occasions trying to find out what was going on and was only able to speak with representatives in a call center that had no direct access to anyone with Solar Servicing LLC. I then went to their website and sent them emails requesting information and never got a response. The loan process went of from XXXX until XXXX when I was told by XXXX XXXX that they could not extend the loan offer any longer, and stated that they had never encountered a company that gave no response at all when asking for a subordination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
I paid a vehicle off through Santander Consumer. After paying the car off they informed me the title would be mailed to me within XXXX days. I called XXXX weeks later to check if it was in the mail and they informed me that the title was sold to an auction house and have not sent me anything stating the information I have requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WSFS FINANCIAL CORPORATION
State: NY

Complaint narrative:
In or around XXXX, following XXXX XXXX in XXXX XXXX I experienced temporary financial hardship and contacted my mortgage servicer at that time seeking assistance. 

I was explicitly advised by the servicer that they could only offer help if I was at least XXXX payments behind. Relying on that representation, I followed their instructions. Despite this, I was later denied assistance. 

During that same period, my homeowners insurance reimbursed me for XXXX XXXX roof repairs. After completing the repairs, I used the remaining funds to pay the mortgage servicer the outstanding balance in full and bring the loan current. 

Without my knowledge, consent, or any written notice, the servicer then placed approximately {$10000.00} into forbearance and added that amount to the end of my mortgage. I never signed a forbearance agreement, never received a disclosure letter, and was never informed that this balance existed. 

Immediately afterward, the mortgage was sold/transferred to XXXX XXXX  XXXX  XXXX 

I only discovered this added balance approximately XXXX  years later when reviewing my loan details. This undisclosed forbearance materially altered my loan and financial obligations without authorization. 

I recently sent a written demand/notice of error. The response did not address the substance of my claim and merely stated that the current servicer contacted the prior lender. 

I believe this constitutes improper servicing, unauthorized loan modification, payment misapplication, and an unfair and deceptive practice, particularly in the context of disaster-related mortgage servicing. 

I am requesting a full accounting, removal of the unauthorized forbearance balance, correction of my loan, and written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year> I bought a sweater online from LL Bean. It was delivered on XX/XX/year>. On XX/XX/year> LL Bean/Citibank sent me an email which stated that a Mastercard was approved in my name. I called LL Bean at once and spoke to XXXX and then XXXX in the fraud/security department. They asked me for the last four digits of my SSN, indicating to me that they had my SSN. I advised them that I ABSOLUTELY DID NOT APPLY FOR A CREDIT CARD AND I ABSOLUTELY GAVE NO ONE MY SOCIAL SECURITY NUMBER. I demanded to know 1 ) who opened this account, 2 ) how was it opened, 3 ) send me the opening application. They refused to answer any questions but they advised me they would close the account at once. On XX/XX/year>, I received another email from LL Bean/Citibank ( XXXX. XXXX ) stating that my account was still open and I should expect the card at once, however I have not received the card yet so I do not know the number of the card. If I receive it I will provide it. 

I did not authorize the opening of a Mastercard, nor do I want it. It was opened without my knowledge or authorization and is an invasion of my privacy and exposes me to fraud and identity theft.

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 2025-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
XX/XX/year> paid off Student Loan XXXX XXXX XXXX debt. was not aware to wait for my VA claim to be 100 % as it would have discharged my entire debt. XX/XX/year> not even 6 months later I was approved 100 % XXXX XXXX XXXX XXXX with the VA, and I requested a refund from student aid/aidadvantage and they refuse to refund any amount of debt. I said if I would have waited would my debt have been discharged, and they said yes. I would not have had to pay off any debt. I should not be punished for doing the right thing of paying it off, and then not get anything back? that was over {$9000.00} 's! I'm unemployed that could help me and it would not have been theres to keep knowing they're wrong for keeping it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: First Bancorp North Carolina
State: TN

Complaint narrative:
To : Consumer Financial Protection Bureau Re : Formal Complaint Improper ACH Debit / Reversal Outside Federal Authority I am submitting this complaint regarding the conduct of XXXXXXXX XXXX XXXX a XXXX XXXX financial institution, which caused or authorized the withdrawal of funds from our account well outside the timeframes permitted under federal law and XXXX Operating Rules. 

On or about XX/XX/year>, funds in the amount of {$3700.00} were removed from our account via ACH, despite the fact that the underlying transaction had fully settled months earlier. There was no pending dispute, no timely notice of error, and no legal authority permitting this action. 

When confronted, XXXXXXXX XXXX XXXX has refused to meaningfully communicate, and has now taken the position that it did not take the money, instead instructing us to contact our own bank. This explanation is inconsistent with ACH rules, as only the originating or authorizing bank may initiate, authorize, or submit a return or adjustment through the ACH network. 

The banks actions appear to violate : Regulation E ( 12 CFR Part 1005 ), including the XXXX error resolution and dispute limitations Federal prohibitions against unauthorized electronic fund transfers Required investigation and documentation standards We are demanding immediate restoration of the improperly withdrawn funds, along with confirmation of the ACH entry type, return code ( if any ), and the authority under which this debit was processed. 

This complaint is submitted due to the banks refusal to communicate transparently, its constantly shifting explanations, and its failure to correct an obvious violation of federal ACH rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kohn Law Firm S.C.
State: MI

Complaint narrative:
XXXX XXXX has tried collecting money from me since 2021, I had informed them by certified letter that I have no paper contract with them for any debt, and if I did I want to see my signature on it. They have been unable to produce said document but have continued harassing me, at least once a month. They went away for a year or XXXX and now they are using Kohn Law, based in XXXX, WI to pursue me to go around the fact that I have no business with them. So now Kohn Law has been harassing me on and off for the last XXXX years, their last letter stated that my debt went up from XXXX to XXXX and it would keep getting higher if I didnt pay up. This is extortion! They said they obtained a fraudulent judgment against me, but I have found no record of such and so they are lying. Fraud vitiates everything Supreme Court, US vs XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sezzle Inc.
State: TX

Complaint narrative:
This matter has been settled and the company SEZZLE is reporting an unknown debt to the consumer credit report. Debt has been paid in full. This is not an authorized debt report that is owed by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
They are sending me someones information. I guess this person owes them money so XXXX XXXX. This person is not me. My name is XXXX XXXX. They wanted my phone number and I told them no they wanted to know private information and Im like I dont know you therefore you were a third-party trying to collect a debt to from someone and sending me private texts and giving me their information. I said I know thats illegal cause I used to be a paralegal.

The woman seemed very snooty and snotty and then she hung up on me, but Im getting these private texts through them and theyre calling me and Im like I dont know you people I dont owe you anything.

Company response to consumer: Closed with explanation