vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section XXXX. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section XXXX, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN 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 2025-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I moved out of my apartment in XXXX AZ in XX/XX/year> and called XXXX XXXX to cancel service. I was told by the XXXX representative that my account was XXXX balance after paying the final bill amount. XXXX confirmed my account was paid in full and closed. XXXX months later, XXXX created a new balance and sent it to collections under Radius Global Solutions LLC without notifying me. This is a billing error. I am requesting deletion of this invalid collection entry and recall of the account from collections.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: IN

Complaint narrative:
Kikoff Lending , LLC is inaccurately reporting a charged-off account on my credit reports under account number ending in XXXX. I also have another Kikoff account opened on the same date ( XX/XX/year> ) that is active and in good standing. The charged-off account appears to be a duplicate or false account. 

I previously disputed this information with the credit bureaus and requested that Kikoff verify and provide documentation, but they did not send me any proof that the account was valid or legitimately charged off. They have continued to report the account as charged off, which is inaccurate and misleading.

This incorrect reporting has damaged my credit score and created confusion about my credit history. Kikoff has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure accurate and verifiable reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am an OpenBank XXXX Santander XXXX, XXXX. ) customer. I am completely locked out of my account because the OpenBank U.S. app immediately crashes upon launch. I have reinstalled it multiple times and updated my phone. The website forces me to use the app, and the phone support line ( XXXX ) requires in-app verification before I can reach an agent, which is impossible because the app wont open. I have called both XXXX and XXXX and am routed in circles. I can not access or withdraw my funds. 
I attempted to email XXXX, but the address is invalid and returned undeliverable. I am requesting urgent assistance to verify my balance and provide an alternate way to access my funds. This has been ongoing for multiple days without any response.

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 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit report contains collection accounts that I believe include inaccurate information. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be confirmed as correct, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I am filing this complaint because the collection agency listed on my credit report has failed to follow the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

First, this company never sent me any initial collection letter or notice informing me they were attempting to collect this debt, which is a violation of FDCPA 809 ( a ) ( 15 U.S.C. 1692g ). I never received any written validation within five days of the account being placed in collections.

Second, after I submitted a formal dispute more than 30 days ago, the company failed to conduct a reasonable investigation or provide full verification of the debt. No supporting documents, original account records, or proof of assignment were ever provided.

Despite that, they continue to furnish inaccurate and incomplete information to the credit bureaus reporting a balance, past-due amount, and status inconsistent with Metro 2 requirements. These data fields are currently incorrect or missing. 
This account has been disputed for more than 30 days with no validation or correction, and the company continues to report it as verified without documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
Credit card debt ( XXXXXXXX ). On XX/XX/year> XXXX XXXX, via XXXX XXXX XXXX, sued me in XXXX XXXX XXXX, Case XXXX. On XX/XX/year> I served XXXX XXXX requests ; on XX/XX/year> the court signed a discovery order requiring Plaintiff to produce : chain of title, bill ( s ) of sale, account agreement, complete statements/accounting, and a business-records affidavit. Plaintiff never produced the disclosures or documents. After repeated contacts/attempted service, Plaintiff filed a Notice of Nonsuit on XX/XX/year> and the court dismissed the case on XX/XX/year>. On XX/XX/year> I sent a written demand to resolve and cease collection ; no reply in XXXX days. My complaint is that Credit Corp attempted to collect and filed suit without providing required verification and court-ordered documentation ( FDCPA 1692e/g ; Tex. Fin. Code ch. 392 ). Please require : ( 1 ) full validation or closure/cease collection, ( 2 ) written assurance not to refile absent proper documentation, and ( 3 ) reimbursement of costs as appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
In XX/XX/year> I filed complaint # XXXX regarding Radius Global Solutions collection and reporting of a {$220.00} XXXX XXXX  debt XXXX Radius failed to provide proper validation under FDCPA XXXX ( b ). The only documents received were billing summaries from XXXX XXXX, not a signed agreement or evidence showing Radius legal authority to collect or report the debt. No contract, itemized bill, or assignment documentation proving ownership was ever provided. Despite this, Radius continued furnishing the tradeline to XXXX, XXXX, and XXXX, violating FCRA 623 ( a ) ( 3 ) and 611 ( a ). Their actions constitute continued collection activity on unverified debt, causing credit damage and financial harm.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This complaint concerns continued inaccurate and misleading reporting by Portfolio Recovery Associates , LLC ( PRA ) on my XXXX  credit report. The account shows as a collection/charge-off with a balance of {$3900.00}, but it also lists Consumer disputes after resolution even though I have not received proper verification or documentation of the alleged debt. The account also remains in an open status with 120 days late, which is inaccurate for a collection tradeline and misleading to potential creditors. 

Portfolio Recovery has failed to comply with several provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including : FCRA 607 ( b ) : Failing to maintain maximum possible accuracy by reporting an account as both open and in collection.

FCRA 611 ( a ) : Failing to conduct a reasonable reinvestigation of previously disputed information.

FCRA 623 ( a ) ( 3 ) : Failing to properly update the account as disputed in all systems and bureaus. FCRA 611 ( a ) ( 5 ) ( A ) : Continuing to report unverifiable or inaccurate information after disputes. FDCPA 807 ( 8 ) : Reporting a disputed debt without clearly identifying it as disputed during the reinvestigation period.

FDCPA 809 ( b ) : Continuing collection activity ( credit reporting ) without providing full validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I never authorized its creation or use. Enclosed are the necessary documents to support and verify my claim.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: AZ

Complaint narrative:
Wise.com claims there is an account in my name that I did not create. I contacted them through the official contact form on their website. They will not do anything about it unless I send them a copy of my ID, and they insist it must be sent by unsecure email. Shouldn't they verify the fraudulent account holder 's ID, and shouldn't they use secure methods to handle private financial information? They refuse to address the fraudulent account with the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I affirm that the false late payment remarks on my accounts are in violation of 15 U.S.C. 1666. I have consistently made my payments on time, and any inaccuracies in this reporting are both unfair and unlawful.

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 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
My Robinhood account experienced unauthorized trades during the XXXX outage between XXXX XXXX XXXX causing {$84000.00} in losses. I was at work operating heavy equipment during all disputed trades and provided XXXX timecards as proof. I requested login, IP, and geolocation be reviewed and provided me for my records to verify the trades werent mine but was never provided that info. Robinhood repeatedly gave generic replies and denied my claim and appeal without proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BROKER SOLUTIONS, INC.
State: SC

Complaint narrative:
Im assuming a mortgage through New American Funding, and my loan officer, XXXX XXXX XXXX, has lied to me and delayed the process due to it being an assumable mortgage. Most recently, XXXX delayed the process by saying he had to verify whether my XXXX XXXX XXXX XXXX would not affect my XXXX. XXXX has purposefully delayed the process in the hope that the assumption does not go through. XXXX has confirmed with me that the process takes longer because they do not make as much money, and they prioritize more valuable loans. XXXX knew the funds from my XXXX XXXX XXXX XXXX needed to be in my checking account and told me to wait because he knew it would delay the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I filed complaint # XXXX regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX XXXX confirmed the account was sold to XXXX XXXX XXXX in XX/XX/XXXX, yet continues to report it as Sold ; was XXXX. Reporting an account as both charged-off and sold is contradictory and misleading under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). Once an account is sold, the furnisher must update it as transferred with a {$0.00} balance, not maintain an active charge-off status. I requested documentation verifying ownership, the sale date, and correction of the reporting, but no proof or correction was provided. The account remains listed as delinquent on my credit reports, negatively affecting my credit profile. I am requesting CFPB enforcement for non-compliance with the Fair Credit Reporting Act and failure to conduct a reasonable reinvestigation under 611 ( a ).

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 2025-11-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of identity theft. My information was stolen. I did not consent to authorize or benefit from any of the following accounts. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked until the investigation is complete. Since 4 business days from the receipt of this communication allowed under federal law to block these orders, failure to do so within 4 business days after receiving this letter constitutes a reason to promptly delete the information from my credit file in refer to FCRA ( USC ) 1681.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account shows Collection/Charge-Off with Balance = {$210.00} but Past Due blank, violating Metro-2 4.2.3 ( which requires Past Due = {$0.00} for collections ). 
Date Opened XX/XX/XXXX conflicts with Date Last Active XX/XX/XXXX, implying re-aging of a static debtprohibited under FCRA 623 ( a ) ( 2 ) and Metro-2 4.3.2.

No payment history grid exists ; reporting of an active derogatory account without any monthly history is incomplete data, also a 4.2.3 violation.The consumer requested written validation of each debt in XX/XX/XXXX. 
Neither collector supplied any documentation or method of verification within 30 days, as required by FCRA 611 ( a ) and FDCPA 809 ( b ).

Despite the lapse of 90+ days, the furnishers continued updating the accounts on all three bureaus ( last reported XX/XX/XXXX and XX/XX/XXXX respectively ). 
Continued collection and reporting activity without verification constitutes willful non-compliance. 
The accounts remain factually incomplete, unverifiable, and misleading to lenders and scoring models.

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