vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
To Whom It May Concern, I am disputing a collection account reported by Radius Global Solutions LLC for an alleged XXXX  debt in the amount of {$410.00}. 

This account contains inaccurate, misleading, and unverifiable reporting in violation of federal consumer protection laws. 
The account reports future dates, including : Status Date : XX/XX/year> Balance Date : XX/XX/year> These dates are impossible and therefore inaccurate. Reporting future activity violates the Fair Credit Reporting Acts requirement that information be accurate and not misleading ( 15 U.S.C. 1681e ( b ).

Under 15 U.S.C. 1681s-2 ( a ), furnishers must not report information that is inaccurate or materially misleading. 

Proof of ownership and authority to collect Radius Global Solutions LLC has not provided documentation showing legal ownership of this debt, including : * A Bill of Sale * A complete chain of title * Proof of purchase or assignment from XXXX Under the FDCPA ( 15 U.S.C. 1692e and 1692g, a debt collector must be able to substantiate its authority to collect and report a debt. 

Additionally : No Last Payment Date is reported, preventing verification of delinquency timelines. 

The account is misleadingly classified as a XXXX  account instead of a third-party collection account. 

The account reflects continued updating without any payment activity, creating a false appearance of recent delinquency.

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 2025-12-18 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: NY

Complaint narrative:
I am submitting this complaint because there are inaccurate, inconsistent, or unverifiable items being reported on my credit reports by the major credit bureaus. I am requesting that each bureau conduct a thorough investigation in compliance with the Fair Credit Reporting Act ( FCRA ) and provide written verification or removal of the disputed information. 


Disputed Accounts ( Charged Off ) : XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$4900.00} Issue : This account is reported as charged off. I dispute its accuracy and request verification of ownership, balance, and charge-off status. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$3800.00} Issue : I dispute the charge-off reporting. Please verify all details and remove any unverifiable information. 

Inquiries : No inquiries are currently being disputed with Experian. 

Late Payments / Positive Accounts : No additional disputes at this time.

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 2025-12-18 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-12-18 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-12-18 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:
Can you review this entry carefully? It might contain errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-12-18 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: 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, must allow at least 21 days between the statement date and the payment due 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 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 explanation
Consumer complaint received 2025-12-18 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: TN

Complaint narrative:
I am filing this complaint against TransUnion LLC for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

On XX/XX/year>, I formally disputed the accuracy of a credit account appearing on my TransUnion consumer report. TransUnion responded by stating the account was verified as accurate. However, TransUnion failed to disclose the method of verification, the identity and contact information of the data furnisher, or any documentation demonstrating that a reasonable reinvestigation was conducted.

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I requested TransUnion provide the complete method of verification, including the procedures used to verify the disputed information and the source of the verification. TransUnion did not provide this information.

A conclusory statement that an account was verified does not satisfy XXXX statutory duty to conduct and disclose a reasonable reinvestigation. The failure to provide the method of verification indicates non-compliance with federal law and suggests reliance on furnisher data without independent review. 

XXXX actions constitute violations of, but are not limited to : 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to disclose the method of verification 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy I am requesting immediate deletion of the disputed account or, in the alternative, full statutory compliance, including written disclosure of the complete method of verification.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing a complaint regarding an unexplained and prolonged freeze on my Chime account.

My account has been place under repeated 48 hour holds and I have now been unable to access my funds for four consecutive days. This account is used for my direct deposit, bill payment, daily living expenses, medical bills, and more.

I contacted Chime multiple times to resolve the issue. Although I verified my identity and confirmed there was no fraudulent activity, Chime has refused to provide any information regarding the reason for the hold, what triggered it, whether the account is under enhanced review, when the hold will be lifted. All they will tell me is that " the system '' has to finish processing the investigation- of what, they can't tell me.

Chime representatives also refused to escalate my case to a supervisor until I stated I was filing a complain with the CFPB. When they finally transferred me to a supervisor she said that " since I was thinking about filing a complaint, she would do everything she could to help me ''. All she did was email her notes to her supervisor. When I asked for a timeline, she told me to watch my email.

At this point there is no estimate of time or plan for a restoration of access or release of my funds and I have received no meaningful response. As of today I remain completely unable to access my own money with no explanation or timeline provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECKredi of Kentucky, LLC
State: MD

Complaint narrative:
Checkredi, a third-party debt collector, assessed a {$35.00} returned payment/NSF fee to my account without my authorization. 

I did not agree to any NSF or returned-payment fees. During multiple calls, Checkredi was unable to provide my specific agreement authorizing this fee and stated they could only provide generic terms and conditions. I was told I would need to contact a third party ( XXXX XXXX XXXX  ) to obtain individual enrollment terms. 

I dispute this fee as unauthorized. I am requesting a refund of the {$35.00} fee and written confirmation that no further fees or debit attempts will occur without my express authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/year> I deposited a certified government issues check. They placed my account on hold until XX/XX/year> with ZERO funds available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I claim no link to these accounts ; they must be deleted within 15 days in accordance with USC 1681g.

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 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP
State: OH

Complaint narrative:
My lender, US Bank, are continuing to not correct critical mistakes they have made by listing an incorrect sale date in their system of XX/XX/XXXX, when the sale date is not until XX/XX/XXXX. The law firm that assists me submitted a financial package to them back on XX/XX/XXXX to be reviewed for all options as I had a change in circumstances. Due to their errors and neglect, they never opened the review as they should have, nor did they cancel or postpone the sale date which is not ok. 

I have attached the email my law firm sent to US Bank outlining all of the major issues in detail. US Bank has the ability to correct their mistakes and needs to do that 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 2025-12-18 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
Tek Collect never sent me proper validation of debt and could not prove legal right to collect from me. The health company of purchase closed less than half way through my treatment and I did not receive the products and services that were agreed upon. As a direct result of the class action lawsuit and the companys subsequent closure, I was unable to complete my purchased treatment plan or obtain the products owed to me. I received no refund, replacement services, or compensation for the portion of services/products that remain undelivered.

I am submitting this letter to formally dispute the adequacy of the class action outcome as it applies to my individual situation, as I have suffered a direct financial loss without receiving the full benefit of what I purchased. The closure of the company prevented me from seeking resolution directly through the business.

I respectfully request that the Court : Acknowledge my individual claim, and Consider my objection to any settlement or resolution that does not account for customers and did not receive complete services or products.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that I believe are inaccurately reported on my credit file. Below, I have outlined the details of each account in dispute, separated by credit bureau. 

Charge Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX BANK XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Product : Credit reporting Company : XXXX XXXX ( XXXX ) Account : XXXX I am filing this complaint due to XXXX XXXX repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) despite multiple direct written disputes and continued inaccurate, inconsistent, and unverifiable credit reporting related to the above-referenced account. 

Timeline of Non-Compliance XX/XX/year> : I mailed a formal dispute to XXXX XXXX requesting validation of reported late payments and correction of contradictory account status. 

Proof XXXX ( XXXX ) XX/XX/year> : I mailed a second, detailed dispute citing FCRA 1681e ( b ), 1681s-2 ( b ), and 1681i, demanding full validation or deletion if unverifiable. 

Proof XXXX ( XXXX ) XXXX XXXX received these notices and was given the statutory time to conduct a reasonable investigation. 

As of XX/XX/year>, XXXX XXXX has not provided any documentary validation, and the account continues to be reported materially inconsistently across XXXX, Experian, and XXXX. 

Ongoing Reporting Violations ( XX/XX/year> ) XXXX  XXXX continues to furnish contradictory and unverifiable information, including : Reporting the account as Closed/ As Agreed / Closed at Consumers Request / In Good Standing while still reporting a significant balance Reporting different high-balance figures ( {$5700.00} vs. {$5300.00} ) across bureaus Reporting large portions of the payment history as No Data/ N/A, yet still assigning XXXX late payments Reporting a {$0.00} credit limit on XXXX  while reporting a {$5300.00} limit on Experian and XXXX, creating inaccurate utilization Reporting different months-reviewed totals across bureaus These contradictions demonstrate that the information can not be independently verified and is not being reported with maximum possible accuracy. 

Instead of correcting or deleting the tradeline, XXXX XXXX has made cosmetic updates only, leaving the underlying inaccuracies unresolved. 

Violations of Federal Law XXXX XXXX is in violation of : 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation and correct or delete inaccurate or unverifiable information after notice 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 5 ) Continued reporting of unverifiable information following reinvestigation After multiple written disputes and no documentation produced, this account is unverifiable as a matter of law.

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 2025-12-18 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: LA

Complaint narrative:
I have found discrepancies in my Equifax credit report, specifically regarding several charged-off accounts and inquiries. These accounts should not be reporting as they do. I request that these inaccuracies be corrected immediately. 

============================== CHARGED OFF ============================== XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$250.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$2600.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$130.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$120.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1500.00} ============================== INQUIRIES ============================== XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX AUTO, XX/XX/XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I disagree with the account listed below still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX account number XXXX in accordance with the fair credit reporting act, public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow. Please send me an updated copy of my credit report after your reinvestigation.

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