vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: MS

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

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I applied for the Capital One XXXX XXXX XXXX in XX/XX/year>, after viewing an official Capital One advertisement that clearly stated : Earn 20,000 bonus miles once you spend {$500.00} on purchases within the first 3 months from account opening. 

I submitted my application directly through that offer page ( XXXX XXXX XXXX XXXX, was approved, and began using the card with the understanding that this signup bonus would apply once I met the spending requirement. 

However, after reviewing my account and contacting Capital One customer service, I was informed that no signup bonus was attached to my account. Customer service stated that the offer I believed I applied for did not apply to my account at the time I signed up. 

This is misleading and feels like a baitandswitch. I only applied for this card because of the advertised bonus. If the offer had not included the 20,000mile bonus, I would not have opened this account or affected my credit report with a hard inquiry. 

I am requesting that Capital One : - Honor the 20,000mile signup bonus as advertised, or - Provide a clear written explanation as to why the advertised offer was not applied to my account.

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
synchrony bank has changed my interest amount every month to a different amount, also my monthly payment amount. I have not made any purchases on my care credit account. Also care credit engaged in deceptive and mis leading practices with deferred interest, also i was not clearly explain terms of deferred interest. My interested amount has changed three times without my knowledge also ; my statement amount changes every month even after i haven't made any current purchases. Also care credit misapplying payments across different promotional periods and resulting in interest charges on balances,

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 2025-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I am filing a complaint against PayPal for an unauthorized deduction of {$4900.00} from my account on XX/XX/year> ( Transaction ID : XXXX ). 

PayPal accused me of " Restricted Activities '' without showing any specific evidence or allowing me to respond. I have not violated any terms and have never engaged in any fraudulent activity. I use my PayPal account ( XXXX ) only for legitimate transactions. 

I contacted PayPal multiple times but received only vague responses with no proof or clear justification. The deduction has caused me serious financial harm.

I request CFPB 's assistance in holding PayPal accountable and demand either a full refund or a fair, transparent review of the case with evidence.

Desired Outcome : Refund of the {$4900.00} or a clear explanation and fair resolution process. 
PayPal email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
Checked my credit report, and it states I took a loan out on XX/XX/year> when I never did, and they're stating it's a crazy amount of {$4200.00}. I also know this account is over ten years old and I am located in California and this is well over the statute of limitations!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX  Date : XX/XX/25

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$500.00} INQUIRIES : XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the accuracy of the following accounts due to conflicting and inconsistent information across credit bureaus : XXXX reported as Paid by Experian but Derogatory/Chargeoff by Equifax and TransUnion. 

XXXX XXXX balance and past due amounts vary significantly between Experian ( {$3500.00} ), Equifax ( {$5600.00} ), and TransUnion ( {$4700.00} ). 

XXXX credit limits and high credit amounts differ across Experian ( {$150.00} limit, {$0.00} high credit ) and Equifax ( {$0.00} limit, {$440.00} high credit ). 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of consumer information. Due to the discrepancies, these accounts can not be verified accurately and should be corrected or deleted immediately. 

I previously disputed these items without resolution and now request a reinvestigation as required by FCRA 1681i, with corrections or deletions made promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
Hello, in the attachments I uploaded the letters with more detailed information I have sent out numerous of different times reaching out to these companies to remove the negative items reported. It's been a hassle and identity theft issues with my information and they won't send to show me any proof of any items reported. as accurate and selling my information to other companies adding more derogatory issues with my name. Please help.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, in the attachments I uploaded the letters with more detailed information I have sent out numerous of different times reaching out to these companies to remove the negative items reported. It's been a hassle and identity theft issues with my information and they won't send to show me any proof of any items reported. as accurate and selling my information to other companies adding more derogatory issues with my name. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-17 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
Formal Complaint Against Radius Global Solutions for Unlawful Debt Collection and Credit Reporting Practices To : Consumer Financial Protection Bureau ( CFPB ) Dear CFPB, I am writing to file a formal complaint against Radius Global Solutions LLC for engaging in unfair and unlawful debt collection and credit reporting practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Nature of the Complaint : Radius Global Solutions is currently reporting a collection account on my credit report. I dispute this account and have never received proper documentation or validation of the alleged debt. 

Despite submitting a written request for debt validation in accordance with 15 U.S. Code 1692g of the FDCPA, Radius Global Solutions has : Failed to provide verification of the alleged debt ( e.g., contract, statements, itemization ) ; Continued collection activity and credit reporting during the dispute period ; Reported potentially inaccurate or unverifiable information to the credit bureaus without conducting a reasonable investigation, violating 15 U.S. Code 1681s-2 of the FCRA.

Violations : 1. FDCPA Violation 15 U.S. Code 1692g Radius failed to validate the debt after being requested to do so, yet continued their collection and reporting activity. This is a direct violation of the FDCPA, which mandates cessation of collection efforts until proper validation is provided.

2. FCRA Violation 15 U.S. Code 1681s-2 ( b ) As a data furnisher, Radius is required to report only accurate and verifiable information. Their failure to investigate and verify the accuracy of the disputed debt violates the FCRA.

Requested Action : I am requesting that the CFPB take the following actions : Investigate Radius Global Solutions ' conduct regarding this account ; Require immediate removal of the disputed account from all consumer reporting agencies ( XXXX, XXXX, and XXXX  ) ; Require written confirmation from Radius Global Solutions that : The account has been permanently deleted ; No further collection efforts will occur unless proper validation is provided ; Ensure Radius complies with all consumer protection laws moving forward and consider sanctions or oversight for any pattern of noncompliance. 

This collection has caused harm to my credit and personal distress. I believe Radius Global Solutions is engaging in unlawful collection practices, and I request CFPB intervention to ensure compliance with the law and the protection of my consumer rights.

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 2025-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Macy sent a bill in the amount of {$1600.00} that I did not apply for. I called and opened an investigation and stated that I strictly did not apply for the card and that it is Fraud. I do not shop at Macy 's. Two weeks later, Macy sent me a letter stating I am still responsible because I was making a payment. That is false. I did not and haven't made any payments because this is not my account or card.

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 2025-07-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing multiple accounts and entries on my credit reports with XXXX, Experian, and XXXX  that do not belong to me. I believe these items are the result of identity theft or reporting errors. I did not authorize or open these accounts, and I never agreed to any of the terms or payment plans associated with them. I submitted disputes and requested verification of each item, including copies of signed agreements or applications, and asked for documentation showing I was the one who initiated the accounts. To date, I have not received proper documentation from any of the credit bureaus. These accounts are causing significant harm to my credit profile and were not authorized by me. I have also filed an identity theft report and submitted supporting documents. I am requesting that these inaccurate accounts be permanently removed from my credit reports.

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 2025-07-17 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: UPGRADE, INC.
State: TX

Complaint narrative:
I am disputing multiple accounts and entries on my credit reports with XXXX, XXXX, and XXXX  that do not belong to me. I believe these items are the result of identity theft or reporting errors. I did not authorize or open these accounts, and I never agreed to any of the terms or payment plans associated with them. I submitted disputes and requested verification of each item, including copies of signed agreements or applications, and asked for documentation showing I was the one who initiated the accounts. To date, I have not received proper documentation from any of the credit bureaus. These accounts are causing significant harm to my credit profile and were not authorized by me. I have also filed an identity theft report and submitted supporting documents. I am requesting that these inaccurate accounts be permanently removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
On XX/XX/year>, I contacted Transunion, Experian and Equifax to let them know the following addresses did not belong to me and I have never lived at the locations : XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX My correct home address is : XXXXXXXX XXXX XXXX XXXX CA XXXX, I have been at this location for many years. 

Additionally I observed several different name variations and requested that the only name on my profile should be XXXX XXXX XXXX. Other name variations were not approved by me.

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 2025-07-18 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: FL

Complaint narrative:
URGENT XXXX XXXX Noncompliance, FCRA & FDCPA Violations by Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally file a complaint and demand a full reinvestigation into two derogatory accounts listed on my Transunion credit file. These accounts are inaccurate, incomplete, and unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), FCRA 609 ( a ) ( 1 ), and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) .The specific accounts are:XXXX. XXXX XXXX XXXX Account # : XXXX. XXXX XXXX XXXX Account # : XXXXDespite prior disputes submitted to the credit reporting agency, Transunion has marked these accounts as " verified '' without : - A signed original agreement, - An itemized transaction history from inception to closure, - A full and documented chain of assignment.Furthermore, both accounts violate Metro 2 compliance. For example : - XXXX reports the account as both charged off and past due, which is a direct contradiction under XXXX XXXX XXXX XXXX XXXX XXXX was sold, yet there is no record of the legally required proof of sale or chain of ownership.

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