vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: CBC Companies, Inc.
State: NY

Complaint narrative:
The demand for immediate removal of an illegal and unlawful charge-off from my credit file ( XXXX ). The charge-off account currently reflected on my report as of XX/XX/XXXX is : XXXX XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$8900.00} Any continued reporting will be considered a direct violation of multiple federal laws which include, but is not limited to the Fair Credit Reporting Act ( 15 U.S.C 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), the Privacy Act and specific U.S Code provisions regarding financial transactions and taxation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Radius Global Solutions LLC
State: AR

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX I sent Radius Collection was in receipt of an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( tracking ) This was done in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, which requires debt collectors to provide verification and validation of a debt upon request.

In that letter, I requested : Verification of the alleged debt, The original contract or obligation proving liability, A breakdown of the balance, and Proof of the collectors authority to collect this alleged debt. 

As of today, I have received no response. This lack of response while continuing efforts to collect the debt is a direct violation of my rights under federal law. 

Ongoing Harm and Escalation : Despite failing to respond, Radius Global Collection continues to pursue enforcement actions. 


Violations Identified : Failure to Validate the Debt Radius Global Collection Collection violated 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated in writing. 

I requested validation in good faith and received no response whatsoever. 

Continuing Collection Without Validation Continuing to collect or proceed with legal action without verifying the debt is a deceptive and unfair practice under 15 U.S.C. 1692e & 1692f. 

Relief Requested : I respectfully request the Consumer Financial Protection Bureau to : Investigate Radius Global Collection for failure to comply with the FDCPA ; Require them to validate the debt in full or cease all collection efforts immediately ; Prevent further harassment or misleading legal filings against me without full and proper validation. 

attached is a copy of the letter sent to Radius Global Collection

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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Years ago I had an account with Wells Fargo. This account was closed in XXXX. On XX/XX/XXXX I received emails from Wells Fargo. 
- Subj : Unable to verify your account information - Subj : You're approved - here 's what's next - Subj : Next steps for your application - Subj : Welcome to Mobile Banking - Subj : Call us to reset your access Then on XX/XX/XXXX I received an email : - Subj : Your balance is below XXXX. 

I suspect Wells Fargo may be back to their old tricks of opening or reopening accounts for people without their consent.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing the inaccurate, misleading, and unlawful reporting of a charged-off XXXX XXXX XXXXXXXX account ( ending in XXXX ) by TransUnion and Experian. 

This account was closed and charged off in XX/XX/XXXX, with a last payment made on XX/XX/XXXX, and has had no activity since that time. Despite this, both companies continue to re-age the account in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards : TransUnion reports the account as Updated on XX/XX/XXXX, with a {$4600.00} past due balance, as if the delinquency is current Experian reports Charge-Off ( CO ) for every month in XXXX, XXXX, and XXXX, which falsely extends the delinquency timeline years beyond the charge-off These practices violate : FCRA 1681e ( b ) requiring accurate and complete information FCRA 1681s-2 ( b ) requiring proper reinvestigation and correction of disputed data Metro 2 Guidelines, including : Improper extension of payment history and charge-off codes after closure Inaccurate Date Updated and high balance fields Failure to anchor updates to the original Date of First Delinquency ( DOFD ) In contrast, XXXX  reports this same account correctly, showing it as charged off and closed, with no activity reported after XXXX and a DOFD of XX/XX/XXXX. 

I attempted to dispute this directly with TransUnion, but their dispute system blocked me from selecting all appropriate dispute categories, preventing me from correcting this through normal channels. 



Personal Harm Statement : I am a financially vulnerable consumera stay-at-home grandmother with no income. My only access to financial relief, credit, or basic credit-based services comes from my credit score. Due to these inaccurate and re-aged tradelines : I have been denied credit I would otherwise qualify for I have received higher-rate offers due to a falsely inflated risk profile I have experienced emotional distress and repeated frustration I have had to escalate this issue to the CFPB because TransUnions system blocks complete dispute filings This is not a formatting errorit is sustained, unlawful re-aging of a closed account, which materially harms my financial stability.

Evidence Attached : I have included the following : Government-issued ID and proof of address Exhibit A XXXX  screenshot showing correct reporting Exhibit B Experian screenshots showing false CO activity through XXXX Exhibit C TransUnion screenshots showing illegal Date Updated entries * * Exhibit D Screenshot of TransUnion dispute system blocking issue selection

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 2025-07-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX forces claimants to use XXXX XXXX Debit Card In turn, XXXX XXXX XXXX XXXX, although proclaimed to be useable at a store, is not useable as such, when I tried to buy XXXX Also, XXXX XXXX XXXX XXXX XXXX tells me that one can withdraw cash, using affiliated ATM machines, but that is not workable if the amount left in the card is less than minimum withdrawal of {$20.00}. 

Due to the above, I have a card with a balance that can not be cashed or used anywhere. 
XXXX XXXX never responds on phone or otherwise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to demand the immediate removal of a fraudulent account from my credit report. In accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are required to block information resulting from identity theft. The fraudulent account is with XXXX XXXX ( account number ending in XXXX ), which was illegally opened on XX/XX/year>, and subsequently charged off with a balance of {$260.00}. I have filed the necessary police and FTC reports to validate that I am a victim of identity theft. Please permanently delete this fraudulent item from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: LA

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 non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit Solutions LLC
State: FL

Complaint narrative:
Has called family members repeatedly in order to get in touch with me saying it's urgent

Company response to consumer: Untimely response
Consumer complaint received 2025-07-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several inaccuracies on my credit report needing attention

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my credit report needing attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
My phone number associated with beth page fedral credit union and my phone number XXXX with my checking account number used for XXXX  services is XXXXThey suspended my XXXX  without good explanation and whenever I go to branch the ignore me.I couple.of thousands of dollar due to inconvenience because sometime I run charity pages to help people.

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 2025-07-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX  XXXX, XXXX XXXX/XXXXXXXX  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. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Sent in proper documentation with my correct name and address and asked that all information be properly updated and other names and addresses be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
According to 15 usc 168. I have the right to dispute inaccurate and unverifiable information thats on my credit report. Ive disputed multiple times with the credit bureaus and its coming back as updated and verified without a proper investigation The company has failed to send me ANY of the information that I requested even with my other complaint, they NEVER sent verification of debt, the ORIGINAL CONTRACT Bearing my signature and explanation of the amount and how it was calculated.

These ( 2 ) accounts below are the account names and debts associated. No account numbers were supplied. They have failed to provide any information as indicated above XXXX XXXX XXXX {$14000.00} Opened XX/XX/year> XXXX XXXX XXXX XXXX {$280.00} Opened : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TN

Complaint narrative:
Subject : Formal Appeal Regarding Fraudulent Transaction of {$1500.00} Final Request for Refund To Whom It May Concern, I am writing to formally appeal your recent decision to deny my request for a refund regarding a fraudulent transaction of {$1500.00} that occurred while my XXXX device was not in my possession. I must emphasize that this decision is based on inaccurate and incomplete information, and I urge you to conduct a proper and thorough review of the facts. 

Key Points for Reconsideration : XXXX. My Device Was XXXX at the XXXX of the Transaction : The transaction in question occurred while my phone was stolen and entirely out of my possession. It is categorically incorrect to state that the transaction was made from a device under my control. I was not in physical possession of the device during the time this occurred. 
XXXX. Evidence of XXXX XXXX : The account shows XXXX failed PIN attempts prior to the successful transaction. This clearly indicates unauthorized access. If I had authorized this transaction, there would not have been failed PIN entries. This is consistent with a theft scenario and further proves that I was not the person conducting the transaction. 
XXXX. Criminal Intent Clearly Indicated in Transaction Notes : The transaction note for the {$1500.00} payment reads : XXXXXXXX XXXX XXXX XXXXXXXX XXXX This is vulgar, inflammatory, and clearly written by the thief to intimidate or mock the rightful account owner me. This alone warrants escalation and review. 

XXXX. Federal Trade Commission ( FTC ) Report Filed : I have officially reported this fraud to the FTC. 
FTC Report XXXX : XXXX XXXX. Police Involvement and Continued Follow-Up : I am actively pursuing a report with local law enforcement and have been in ongoing communication with Cash App support to resolve this matter. I have taken every reasonable step to secure my account post-incident. 

Final Request : This is my final attempt to have this matter resolved through proper internal procedures. Denying this refund based on false assumptions about device possession is not only inaccurate but deeply unjust. I strongly urge you to review your logs, access history, PIN failure logs, and the offensive transaction note in light of this formal appeal. 

I am requesting a full refund of the {$1500.00} and for Cash App to take appropriate steps to acknowledge and correct this failure to protect its users against theft and fraud. If this matter is not resolved promptly, I will be compelled to escalate this further through formal complaints to consumer protection agencies, my financial institution, and legal channels. 

Please confirm receipt of this appeal and provide a timeline for your final review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I requested a full payoff statement showing how payments were applied to principal and interest. Despite making over 70 % of payments and a {$2000.00} down payment, they claim I owe {$16000.00}. I informed them the account was charged off two months ago as a profit and loss, yet they repossessed my car and are trying to rewrite terms to collect more than I owe.I am facing financial hardship. The terms to get my car back are illegal and impossible. They demand payments exceeding what I owe and refuse to provide a fair payoff or release the title, causing undue stress. the people involved are XXXX XXXX at Westlake portfolio management. XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX in XXXX. They used location services to get my car after they already wrote it off. They are holding my title and refuse to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXX/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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit 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 2025-07-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Equifax, I am writing to formally dispute the inaccurate and fraudulent XXXX credit card account ( Account # : XXXX ) listed on my equifax credit report. This account was opened and used as part of a rental car scam, constituting identity theft, and does not belong to me. This is my third and final attempt to have this fraudulent account removed from my credit report. Despite previous disputes, Equifax has failed to correct this error, resulting in denials of credit and financial harm. I demand immediate investigation and removal of this account under the Fair Credit Reporting Act ( FCRA ), or I will pursue legal action for damages. The XXXX credit card account in question was fraudulently opened in my name as part of a rental car scam. I did not apply for, authorize, or use this account. While payments may have been made on this account by the perpetrator, this does not negate the fraudulent nature of the account. Under federal law, fraudulent accounts must be removed from a consumers credit report, as they do not reflect the consumers legitimate financial activity. The presence of this account has caused significant harm, including denial of a mortgage application due to lowered credit score, inability to secure favorable loan terms. This is my third dispute regarding this fraudulent account, Equifax failure to remove this account after my prior disputes violates 15 U.S.C. 1681i, which mandates a reasonable investigation within 30 days. The continued presence of this account on my credit report has caused tangible harm, and I reserve the right to seek damages for these violations, including statutory damages up to {$1000.00} per violation under 15 U.S.C. 1681n, as well as actual damages for credit denials.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: EQUIFAX, INC.
State: AL

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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation