vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am filing this complaint regarding an account reported by Radius Global Solutions that appears on my credit report. I have no knowledge of this account and did not authorize or open it. This is a case of identity theft or fraudulent reporting. 

I have previously disputed this account directly with the credit bureaus, but despite providing information supporting my claim, the item continues to be reinserted or verified without sufficient validation. This has caused ongoing damage to my credit profile and personal reputation.

Radius Global Solutions is reporting an account I did not open.

I have disputed this with the credit bureaus multiple times. 

The account continues to appear without legitimate proof of my responsibility or consent. 

This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) since the furnisher has failed to verify or validate the alleged debt.

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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ChexSystems Consumer Reporting Agency , block information appearing on my consumer 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 a checking account opened at XXXX XXXX  with an account number ending in ( XXXX ), an original charge off amount of ( {$420.00} ), and a closure status of unpaid. I've attached a copy of the consumer report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned checking account as reported. The aforementioned checking account appearing on my consumer report maintained by you was not opened, made, or initiated by me. I requested validation and verification and Chexsystems failed to do so. I requested, submitted a FTC and police report of this fraud and removal was failed since XXXX XXXX XXXX no response. The aforementioned checking account is the result of identity theft and fraud. I have attached a copy of a photo ID card and social security card as proof of my identity.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint to you as a concerned consumer regarding inaccuracies that have recently appeared on my credit report. I have always taken pride in maintaining the integrity of my credit history, so discovering these discrepancies was both surprising and distressing. 
While carefully reviewing my report, I noticed that a collection account from XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported with a balance owed of {$0.00}. This account should no longer appear as an active collection, as the balance clearly indicates that there is no remaining debt owed.

The continued reporting of a paid or resolved collection may misrepresent my creditworthiness, which directly violates the principles established under the Fair Credit Reporting Act ( FCRA ) specifically 602 ( A ), which recognizes the need for consumer reporting agencies to assure maximum possible accuracy in the information they maintain. 
Additionally, I have recently observed a new hard inquiries from XXXX dated XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX which I do not recall authorizing. I am requesting that verify the permissible purpose of this inquiry in compliance with FCRA 604 ( 15 U.S.C. 1681b ). If no permissible purpose can be verified, this inquiry must be promptly removed from my report. Unauthorized inquiries can unfairly lower my credit score and create an inaccurate portrayal of my financial activity.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am formally disputing both the inaccurate reporting of the XXXX collection and the questionable inquiry from XXXX. I expect a reinvestigation to be conducted within the legally required XXXX period, and for all findings to be reported to me in writing once completed. 
Moreover, as mandated by FCRA 623 ( a ) ( 2 ), any data furnisher that has supplied inaccurate or outdated information must promptly update or correct the record to ensure full compliance. Please contact the furnisher of the disputed accounts and confirm the accuracy of the data before continuing to report it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: OH

Complaint narrative:
I previously requested a reinvestigation of the accounts listed on my credit report. However, the results I received did not include proper verification or supporting documentation from the data furnisher. Under the Fair Credit Reporting Act ( FCRA 611 ), I have the right to a fair and accurate reinvestigation. Because the information could not be fully verified.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl XXXX XXXX XXXX Date : XX/XX/year> To : Resurgent Capital Services XXXX. XXXX XXXX XXXX, SC XXXX Subject : Cease and Desist / Debt Validation Request Reference # XXXX Dear Resurgent Capital Services This letter is to inform you that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c, regarding the account referenced above.

I am formally requesting that you : 1. Provide full validation of the alleged debt, including : The name and address of the original creditor ; A copy of the original signed agreement or contract ; A full payment history, showing how the amount you claim was calculated ; and Proof that your company has legal authority to collect this debt in my state. 

Until you provide complete and proper validation, I refuse to pay any amount claimed.

Additionally, under 1692c ( c ) of the FDCPA, I hereby demand that you cease and desist from any further communication with me regarding this alleged debt, except to provide the requested validation or to inform me of specific legal action you intend to take.

If you fail to comply with this request, or continue to contact me without providing proper validation, you will be in violation of federal law, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals Office, and any other appropriate regulatory authorities. 

Please send all correspondence to the mailing address listed XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I dispute this account because it does not belong to me and is being reported in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Prizm Financial Company, LLC
State: MO

Complaint narrative:
My very XXXX payment with them was due on XXXX it was set up auto pay I got a receipt that day saying it was paid 4 days later it finally drafted out of my bank account I thought no big deal I know ACH sometimes takes a few days and it was a weekend so it was normal. I get a call today but I was working 5 minutes later my corporate office sends me a message that they called I live in Missouri corporate is in a different state and they didnt even call my office in Missouri !!! I look at my phone and have an email and text threatening repossession. I call trying to make my payment and got literally by far the worse customer I have ever had in my life! They said my payment returned as insufficient funds I told them the money was in my account and there was something else going on because it came out of my account and then the transaction was gone the next day so I was not going to pay the additional NSF fee I wanted to make my payment and he said do you want me to come pick up the vehicle right now. Finally I hung up on them and called my bank they cant even find the payment or a rejection at all and said it had to have been their servers not communicating. I made my payment online. I am going tomorrow morning to trade in my car so that I never have to work with these horrible people ever again!!!! After reading tons and tons of XXXX reviews from people with the same experience I have had and with the same people I dont know why anyone does business with such a horrible company. I wish I would have read the XXXX reviews before I signed the contracts. As I stated to them I am formally issuing a cease and desist all communication going forward. I am revoking my auto pay and they are no longer allowed to contact any employer at any location or any of my references or family members From any skip trace.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-08 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: IN

Complaint narrative:
This letter is a formal follow-up regarding previously disputed inaccurate and unverifiable accounts that remain on my Experian and Transunion credit reports. 

After XXXX completed investigation, both of the following accounts were deleted from my credit file, confirming that they are inaccurate and unverified. Despite this, both bureaus continues to report them, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX XXXX XXXX Account No. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Account No. : 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 2025-11-08 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: GA

Complaint narrative:
I am formally disputing several hard credit inquiries that appear on my credit report, which I do not recall authorizing or for which no permissible purpose has been verified. These inquiries are negatively affecting my credit standing and may constitute violations of the Fair Credit Reporting Act ( FCRA ). 

XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My credit report is showing incorrect information about my XXXX XXXX XXXX  account ( account ending in XXXX ). The account is currently open, active, and paid in full with a {$0.00} balance, but it is still being reported as a Negative Account and shows three 30-day late payments. 

I have confirmed with my recent statements that the account is current and there are no missed or late payments at this time. I previously disputed this issue with the credit bureaus ( ExperianXXXX XXXX XXXX XXXX  ), but the incorrect negative status has not been updated. 

This inaccurate reporting is harming my credit profile and does not reflect my current payment history. 

I am requesting that XXXXXXXX XXXX XXXX  and the credit bureaus correct the record to show the account as Current Paid as agreed or remove the incorrect negative marks from my credit report. 

I am attaching supporting documents that show the accounts current {$0.00} balance and good standing.

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 2025-11-08 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: MA

Complaint narrative:
My credit report is showing incorrect information about my XXXX XXXX XXXX  account ( account ending in XXXX ). The account is currently open, active, and paid in full with a {$0.00} balance, but it is still being reported as a Negative Account and shows XXXX XXXX late payments. 

I have confirmed with my recent statements that the account is current and there are no missed or late payments at this time. I previously disputed this issue with the credit bureaus XXXX XXXX XXXX and TransUnion ), but the incorrect negative status has not been updated. 

This inaccurate reporting is harming my credit profile and does not reflect my current payment history. 

I am requesting that XXXXXXXX XXXX XXXX  and the credit bureaus correct the record to show the account as Current Paid as agreed or remove the incorrect negative marks from my credit report. 

I am attaching supporting documents that show the accounts current {$0.00} balance and good standing.

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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
To Whom It May Concern, Although I would like to escalate this matter to Chimes corporate office, I was previously informed by Chime call center personnel that contacting headquarters directly is against company policy. Therefore, I am submitting this report through the CFPB.

I am writing to formally submit a complaint regarding Chimes advertised fee-free cash withdrawals and deposits at XXXX. According to your website, Chime account holders can withdraw and deposit cash at XXXX locations without fees. 

On XXXX, I visited the XXXX store at XXXX and XXXX intersection in XXXX XXXX, specifically to withdraw cash from my Chime account. I was informed by the store clerk that XXXX does not offer cash withdrawals, only deposits. This directly contradicts the information provided on XXXX website. 

I contacted Chime support regarding this issue. The supervisor I spoke with, XXXX, did not acknowledge the problem with XXXX withdrawals. Instead, he suggested that I go to an ATM, effectively dismissing my concern rather than addressing the misleading information. 

It appears that the terms of your contract or partnership with XXXX are either not properly supervised or not being enforced. As a result of this misleading information, I am extremely dissatisfied with the service. Moving forward, I intend to : Keep only a bare minimum balance in my Chime XXXX XXXX account. 

Cease all direct deposits to this account in the near future. 

Limit my active use of Chime services entirely. 

I request that Chime clarify this issue, correct misleading information on its website, and take steps to ensure the advertised services are accurately available to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of Identity theft. There have been many accounts opened up in my up in my name that are unauthorized and fraudulent. my personal information was breached and sold on the dark web without my consent. I have many accounts opened in my name and did not consent to these accounts being opened. XXXX is stating I owe XXXX. This amount inaccurate and not valid due to identity theft. I need this amount removed from my credit and reports.

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 2025-11-08 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: TX

Complaint narrative:
I am challenging the reporting of late payments and delinquency on my accounts, as those entries do not reflect the actual agreement or payment history. I request that the entries be corrected to Paid as Agreed and that any indication of delinquency be expunged.I am challenging the reporting of late payments and delinquency on my accounts, as those entries do not reflect the actual agreement or payment history. I request that the entries be corrected to Paid as Agreed and that any indication of delinquency be expunged.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report contains inaccurate personal information that I have repeatedly tried to correct. XXXX XXXX  and Equifax are reporting multiple incorrect variations of my name, outdated or unrecognized addresses, and employment information that do not belong to me. 

These inaccuracies likely stem from the XX/XX/year>XXXX XXXX data breach, which exposed my personal identifiers. The incorrect data has caused confusion in my credit profile and may have contributed to accounts being misattributed to me.

I contacted the credit bureaus to correct this information, but the errors continue to reappear even after disputes. I am requesting the CFPB to require the credit bureaus to perform a proper reinvestigation and permanently remove all inaccurate names, addresses, and employment information not verified as mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: IN

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint regarding inaccurate and unverifiable information appearing on my credit reports with Equifax, Experian, and TransUnion. I am requesting a full investigation and deletion of any items that can not be 100 % verified in compliance with the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). 

I have reviewed my credit reports and found multiple accounts, inquiries, and/or negative items that appear outdated, incomplete, or unverifiable. According to the FCRA, all reporting agencies must ensure that consumer information is accurate and verifiable. If the bureaus are unable to verify the accuracy of the items in question, they are required by law to delete them immediately. 

I respectfully request that the CFPB ensure that each credit bureau : 1. Conducts a full investigation of my credit file.

2. Deletes any and all inaccurate, unverifiable, or outdated information.

3. Provides me with written confirmation of the results and an updated credit report. 

My goal is to ensure that my credit reports are fully accurate, fair, and compliant with federal law. Thank you for your assistance and oversight in this matter. 

Sincerely, [ XXXX XXXX XXXX ] Date of Birth : XX/XX/year> Last XXXX of XXXX : XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation