vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
This is a formal supplemental complaint regarding the collection account reported by Radius Global Solutions [ complaint no XXXX ] which continues to severely impact my credit profile. I submitted a dispute and request for validation, yet XXXX failed to provide any valid documentation proving their right to collect or report this debt. Instead, they issued a generic interim response on the 15th day, which appears to be a stall tactic rather than a good faith investigation. 

This is unacceptable and a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). XXXX is not the original lender. I never signed any agreement with them, nor did I authorize them to report on my credit profile. They have provided no contract, no itemized billing, and no chain of custody for this alleged debt. Their continued reporting, despite this, is not only unlawful but is actively harming my financial life. 

The presence of this unverifiable debt, alongside other inaccurate and disputed accounts, is crippling my ability to access housing, refinance my auto loan, and qualify for basic credit. My credit score is being unjustly suppressed by entities who are not fulfilling their legal obligations to verify information before 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 explanation
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
I am writing to convey my concerns regarding the credit reporting agencies ' inaction concerning the disputes I have submitted. As a vigilant consumer, I am acutely aware of my rights under the Fair Credit Reporting Act ( FCRA ) and, more specifically, the provisions outlined in 15 USC 1681. It is with great urgency that I bring this matter to your attention due to the agencies ' apparent disregard for these statutory obligations. 

Enclosed with this letter, you will find documented evidence and the dates of each dispute I have submitted. Despite my repeated and timely efforts, I have yet to receive any correspondence or validation regarding the claims I have made. This silence stands in direct violation of 15 USC 1681, which mandates timely and thorough investigation of disputes. 

I must emphasize that I have only one name, one address, and one phone number, and that only this singular identity should be accurately reflected on my consumer report. The failure to correct these inaccuracies constitutes a profound breach of my rights, with significant repercussions on my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-18 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: CO

Complaint narrative:
This is my third filing. On my first two formal requests, my identification then proof of address were questioned. Now that I have proved my identification, my filing with the FTC/identity theft report is being DENIED. I have filed another FTC report. As this dates back to 2011 also, my local department will not investigate. My new report is attached.

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 2025-04-18 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
I am writing to convey my concerns regarding the credit reporting agencies ' inaction concerning the disputes I have submitted. As a vigilant consumer, I am acutely aware of my rights under the Fair Credit Reporting Act ( FCRA ) and, more specifically, the provisions outlined in 15 USC 1681. It is with great urgency that I bring this matter to your attention due to the agencies ' apparent disregard for these statutory obligations. 

Enclosed with this letter, you will find documented evidence and the dates of each dispute I have submitted. Despite my repeated and timely efforts, I have yet to receive any correspondence or validation regarding the claims I have made. This silence stands in direct violation of 15 USC 1681, which mandates timely and thorough investigation of disputes. 

I must emphasize that I have only one name, one address, and one phone number, and that only this singular identity should be accurately reflected on my consumer report. The failure to correct these inaccuracies constitutes a profound breach of my rights, with significant repercussions on my financial well-being.

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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/year>, a buyer using Bank of America as their financial institution filed a fraudulent chargeback for a purchase made through XXXX. The total transaction amount was {$530.00}, and I provided undeniable proof that the item was delivered as described. 
The buyer : -Messaged me on XXXX before making the purchase to inquire about the items. 
-Filed a chargeback just 12 minutes after delivery, claiming they didnt receive the item. 
-Relist the same items on XXXX at a higher price, profiting off of my inventory while also getting a full refund from their bank. 
-Was removed from the XXXX platform after attempting to pull the same tactic with another designer seller. XXXX protected that seller because the transaction was made through XXXX itself. 

I submitted all of this evidence to XXXX, including : -Screenshots of the buyers initial messages before the purchase -Proof of delivery with tracking number -The buyers resale listings on XXXX -Documentation of their account being revoked by XXXX due to similar fraudulent behavior -My communication with the buyer showing they acknowledged the purchase and receipt XXXX forwarded all documentation to Bank of America, as they are the only ones with authority to make a decision in chargeback cases initiated by their cardholder. Despite receiving overwhelming proof of fraud, Bank of America sided with their customer, refunded them, and withdrew the funds from my account. 

This is not just a case of poor decision-making its enabling theft. Their cardholder : Made a premeditated purchase Received the goods Try to profit off resale Then filed a chargeback to receive their money back This behavior is deliberate, fraudulent, and manipulative, and Bank of America had ample evidence to see that. Yet they still sided with the buyer, putting legitimate small businesses like mine at risk. As a result : I lost {$530.00} from the chargeback {$110.00} of legitimate funds were frozen on my XXXX account until XX/XX/year> I had to fulfill other unrelated orders out of pocket during this period I suffered emotional distress, hours of paperwork, and financial loss due to a completely avoidable situation Bank of America is neglecting their responsibility to prevent abuse of their chargeback system. This is clear support of fraudulent activity and they should be held accountable.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and identified several inquiries that I do not recognize or authorize. These appear to be fraudulent in nature, as I have no knowledge of initiating them. Below is a list of the unauthorized inquiries I have discovered. 

XXXXXXXX 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 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

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 2025-04-18 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 recently reviewed my credit report and identified several inquiries that I do not recognize or authorize. These appear to be fraudulent in nature, as I have no knowledge of initiating them. Below is a list of the unauthorized inquiries I have discovered. 

XXXXXXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
My account has been permanently restricted from sending or transferring my Crypto assets. I am being told that this is because I was a victim of a scam and my account is restricted for my own safety. I informed them that I was not a victim of a scam and would like to know how to unrestrict my account. They respond with the same message, that my account is permanently restricted for my own safety. I asked for the details related to the scam or any proof that I was a victim of a scam but I have received no response. I do not believe I was a victim of any scam and my account has been unjustly restricted.I simply want the ability to transfer my Crypto assets as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
XXXX XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-18 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
They can not be used anywhere, it says they work anywhere amex is taken but they don't. Even the workaround of loading XXXX balance XXXX at a time isn't working anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Real Time Group, Inc.
State: OK

Complaint narrative:
Ive sent Multiple dispute letters to Real Time Resolutions INC, they have failed to send me a response to my complaint. Ive been XXXX  since XX/XX/year> but this company allowed for a checking Account to be opened up under my name. I was serving a XXXX  year XXXX   since XX/XX/year> in the XXXX XXXX XXXX XXXX, this information couldve been Verified Easily had thre investigative team contacted the Oklahoma of corrections records office and verified the information that I provided. Yet, still they failed to address my complaint in violation of the FCRA. There where a checking account opened up under my name. 1. XXXX XXXX  # XXXX bal. {$600.00} 2. Ive never lived at XXXX XXXX XXXX XXXX XXXX, Ok XXXX or XXXX XXXX XXXX XXXX, Ok XXXX where the Accounts was opened up, used, Ive never owned the phone of XXXX this was all done By the perpetrator who was pretending to be me. This bank should've done more to protected me from this fraud. This fraudulent account cleared off my name, or any credit agency report per the FCRA, Ive sent Certified letters asking what information did they use to verify these Accounts belonged to me but no response was ever submitted back to me. So this is the Reason im filing a formal complaint against this company for failing to investigate, send me a response back to my dispute. I have attached a copy of my consolidated XXXX  record card, my XXXX  ID showing i'm XXXX  in the XXXX XXXX XXXX XXXX under the care, custody of the Oklahoma Department of Corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: OR

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to find i had been the victim of identity theft i do not recognize this account please remove from my credit report they are hurting my ability to obtain credit. 

According to XXXXXXXX XXXX XXXX XXXX, Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNTS

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 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
BOA Claim ID : XXXX Claim opened on : XX/XX/year> To Whom It May Concern, I am writing to file a formal complaint against Bank of America ( BOA ) regarding a case of unauthorized credit card transaction resulting from identity theft. Despite multiple attempts to resolve the issue directly with the bank, they have refused to provide protection or a proper investigation in accordance with the protections outlined under the Fair Credit Billing Act ( FCBA ). 

On XXXX XXXX, XXXX, I discovered a fraudulent charge of {$4000.00} on my Bank of America credit card, associated with a transaction on XXXX. I did not authorize this transaction, and I have never received any product, nor had any knowledge of this purchase until I reviewed my statement. 

After identifying the fraud, I immediately contacted BOA to dispute the charge and reported the matter as identity theft. I also took the following actions : XXXX. I submitted a formal dispute and identity theft affidavit to BOA. 
XXXX. I reported the theft to the FTCs XXXX. 
XXXX. I placed a fraud alert with the credit bureaus. 
XXXX. I contacted XXXX to report the unauthorized use of my name, address, and signature. 

Despite these measures and ample supporting documentation proving that the transaction was made without my knowledge or consent, Bank of America has repeatedly denied my dispute. They claimed the transaction was valid, apparently because the thief used my name, address, and a forged signature, making it appear as if I authorized the purchase. 

This situation has placed me under enormous stress and financial burden. I am the victim of an identity theft crime, and BOAs refusal to reverse this unauthorized charge not only violates consumer protection laws but also encourages fraudulent actors who exploit weak verification mechanisms. 

Thank you for your time and support in defending consumers against financial institutions that neglect their responsibility in preventing and resolving identity theft. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA 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 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I'm currently living abroad and have residency in another country. I'm not sure why, but for whatever reason I've been locked out of my online account, so I can't access online banking. 

I called the phone number listed on the screen, and spoke with multiple representatives. They all told me that in order to unlock my online banking, I need to come in-person, back to the US with 2 forms of ID. However, I'm not living in the US. 

One representative told me that they could verify me through the phone number on my account, but this is a US number, and I no longer have access to it since I'm no longer in the US. So they can't verify me over the phone since I have a new phone number, and I need to go in-person back to the US. However, this would be a very expensive journey and a waste of time. 

I even asked them if I could go into an international branch and they said no, I can not. I have to go to a branch back to the US with 2 forms of ID. But as I said before, they can't verify me over the phone because I no longer have a US phone number and because I was locked out randomly of my online account. 

Meanwhile, they are charging me fees for keeping the account open, and I can't even close it with them. I will never do business with this bank 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 explanation