vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Validation of Accounts Under FCRA Section 609 Dear, XXXX  I am writing to formally dispute inaccuracies I have identified on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( 15 U.S.C. 1681g ), I am requesting the validation and verification of the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries Account : XXXX XXXX, XXXX XXXX XXXX I am requesting that you provide copies of all records and documentation used to verify the accuracy of this account, including but not limited to : 1. A copy of the original signed contract or agreement between myself and the creditor.

2. Any documents proving the account is being reported accurately and legally.

If you can not provide sufficient documentation to verify this account, I respectfully request that it be permanently removed from my credit report in compliance with the FCRA.

To facilitate your investigation, I have included the following : A copy of my government-issued photo ID.

A copy of my Social Security card.

Proof of address ( e.g., a utility bill or bank statement ).

A copy of my credit report highlighting the accounts in question.

I expect a response within the 30-day timeframe as stipulated under the FCRA. Please send your findings and any relevant documentation to the address listed above. If you find any inaccurate or unverifiable information, I request its immediate removal from my credit file.

Thank you for your prompt attention to this matter. If you have any questions or require further information, please do not hesitate to contact me at ( XXXX ) XXXX XXXX XXXX. 

Sincerely, 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 2025-12-09 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: AR

Complaint narrative:
I am filing this complaint against Radius Global Solutions regarding the alleged medical collection they are reporting under account number XXXX for {$180.00}, currently reporting only to XXXX. I submitted a written request for validation of this alleged debt pursuant to FDCPA 809 ( b ), and despite confirmed receipt, this company has failed to provide any legally sufficient written validation for well over 30 days. Under federal law, all collection and reporting activity must cease until proper validation is provided ; however, Radius Global Solutions has continued furnishing this unverified account to Experian, constituting violations of FDCPA 1692e and 1692f for deceptive and unfair collection conduct and violations of FCRA 623 ( a ) for reporting information that is neither complete nor verified. Additionally, reporting this account without documentation establishing contractual liability, original creditor identification, medical billing detail, proof of assignment, and itemized account history violates XXXX XXXX reporting standards, which require substantiated verification prior to reporting any collection tradeline. By continuing to report a debt that has never been validated, Radius Global Solutions is exposing itself to statutory civil liability of up to {$1000.00} per violation under the FDCPA, with additional damages available under the FCRA for negligent or willful non-compliance.

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TN

Complaint narrative:
My cash app account is not allowing me to withdraw my cash app balance. Currently at {$170.00} USD. I have tried bringing this to supports attention several times via live chat and also contacted them by phone 6 times to no avail. I need my money off this app and sent to my bank. They keep rejecting and denying my transactions when i try to withdraw my funds. And support is refusing to escalate or let me talk to a supervisor. MY cash app is now closed fully and my money is stuck on there. They will not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CAPITAL ONE BANKING : XXXX XXXX Subject : Complete Restriction of ALL Accounts for XXXX  Days : Documented Negligence and Closed Investigation with Capital One I am formally submitting this complaint regarding the complete restriction of ALL of my accounts : personal and business, Account # XXXX which has been held since XX/XX/XXXX, XXXX date the restriction was officially implemented following a letter received XX/XX/XXXX. The freeze was initiated immediately after depositing a {$26000.00} check issued by the State of California, citing 'suspicious activity ' and identity concerns ( due to a recent address change and new account opening ).

The banks continued restriction lacks justification and demonstrates clear procedural negligence documented by this timeline : 1. Compliance Met : I have complied multiple times with the bank 's security protocols, including ID verification ( state ID and selfie checks ) and providing documentation for the State of California check to verify the contract. The funds have cleared and are verified. 

XXXX. Initial Calls and Failure to Resolve : * XX/XX/XXXX : Called, told to call back in XXXX days. 
* XX/XX/XXXX & XXXX : Called, no resolution given. 

XXXX. Compliance regarding requested Documentation : * XX/XX/XXXX : I emailed XXXX XXXX at XXXX with the requested copy of my HCAI contract regarding the check I deposited. 

XXXX. Escalation and Negligence : * XX/XX/XXXX : Called, told the case was being escalated, and to call back in XXXX days. 
* XX/XX/XXXX : Called, only to be informed that the initial investigation had been closed without resolution and would have to be reopened. 

XXXX. Broken Promises and Continued Delay : * XX/XX/XXXX : Called, promised new accounts and resolution in XXXX business days. 
* XX/XX/XXXX : Called after the XXXX window ; restrictions had still not been lifted. 


XXXX. Final Failure ( Today, XX/XX/XXXX ) : I remained on hold for over an hour for the investigation team to lift restrictions immediately. The investigation team never picked up, and I was told to call back tomorrow, demonstrating ongoing negligence after 35 days of holding cleared funds. 

I require the immediate and complete removal of all restrictions on ALL accounts. I request the CFPB investigate the bank 's repeated procedural failures ( including closing the investigation on XX/XX/XXXX ) and their continued denial of access to verified funds after all identity verification steps were successfully completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-09 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report. I believe the information provided is inaccurate and requires correction under the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute : Inquiries : XXXX, XXXX Late Payments : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-12-09 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Unauthorized Hard Inquiry Removal Request XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute the following unauthorized hard inquiries that appear on my Equifax credit report. I did not authorize these inquiries, nor did I grant permissible purpose under the Fair Credit Reporting Act : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Inquiry XXXX : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 605B Blocks and removes fraudulent or unauthorized items FCRA 611 Unverifiable data must be deleted FCRA 609 ( e ) The furnisher must provide proof of authorization I am requesting that Equifax provide : A signed credit application Proof that I authorized these inquiries Documentation showing permissible purpose under FCRA 604 If Equifax or the furnishers can not provide this proof, these inquiries must be deleted immediately.

Because these inquiries were not authorized by me, they must be removed within the allowable timeframe under federal law. 

Please complete your investigation and send written confirmation of the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: KY

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
Despite sending a cease and desist letter, they call multiple times a day while I am at work and I have told them many times that I am not allowed phone calls while I am working or I will lose my job. They still continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
XX/XX/year> a transaction was made and it was not supposed to be made I need my money back from cash app they refuse to get my money back they refuse them to do any more investigation they refusing to reverse my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within XXXX  days. Relevant supporting documentation is enclosed.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Our home in XXXX burned down in the XX/XX/XXXXXXXX XXXX XXXXXXXX. The property itself is worth ~ {$700000.00}. We owe Chase $ XXXX. They are holding greater than 80 % of my insurance funds in XXXX. Since the property without the rebuild is worth more than I owe, I want them to release most if not all of it. They are refusing. It does not make sense to me. Please help. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: DC

Complaint narrative:
There is a fraudulent collections account from XXXX XXXX XXXX on my credit report. This is not my debt. I do not have any rental collections on my credit. I am a victim of identity theft and have an Identity Theft Report and police report. See attached documents. I request you to remove these fraudulent collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-12-09 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: GA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief