vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Radius Global Solutions LLC
State: VA

Complaint narrative:
I am filing this complaint because RADIUS GLOBAL SOLUTION is reporting inaccurate and unverified information on my credit report in violation of the FCRA and the FDCPA. I previously sent a credit dispute letter to the credit reporting agencies regarding this account. In response, the credit bureaus stated that RADIUS GLOBAL SOLUTION claimed the debt was verified. However, no documentation or evidence was provided to either the credit bureaus or myself. This response does not meet the verification standards required to continue collection or credit reporting activity. Under 15 U.S.C. 1692g ( b ) of the FDCPA, proper verification must include : A copy of the original signed contract or agreement bearing my signature with the alleged creditor ; Proof of ownership or assignment, such as a bill of sale or assignment agreement showing the legal transfer of the specific debt ; A full account history, including all payments, charges, and fees applied to the alleged account ; and Validation that the amount claimed is accurate and has not been inflated or altered after transfer. RADIUS GLOBAL SOLUTION provided none of the above documentation. I reached out to the original creditor directly to request verification and documentation regarding : The amount of the alleged debt, The date I was notified that the account was delinquent or being sold, and Verification of the debt collectors authority to collect or report on their behalf. To date, I have received no response or proof of any of these items. This also raises potential violations under the Fair Debt Collection Practices Act ( FDCPA ) regarding the communication and transfer of alleged debts without proper notice or 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 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Hi. This past year, I emptied my savings to repay past due collections on some 8 credit card accounts. The company was Midland Credit Management. 
In XXXX, due to XXXX issues, I had to care for both my mom and dad who were in there mid XXXX. Assisted Living is incredibly expensive and they had no one to care for them due to cost relating to care. My mom passed in XXXX of XXXX, XXXX in XXXX. Because I took this on, my bills went unpaid for the first time in my adult life. 
I have settled all these past due bills with XXXX in good faith, paying thousands.. As a gesture of goodwill on their part, I ask in all sincerity if they would make a request to remove the late payments associated with these accounts reported to the credit bureaus. There are many with the many accounts I understand this is something that can be done as a goodwill gesture before the XXXX year time frame. 
It would help me trying to obtain decent housing. 

Thanks for your kind attention in this matter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: NC

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX on my TransUnion credit report with a reported balance of {$1000.00}. The account is marked placed for collection and dispute resolved subscriber disagrees. However, the furnisher has failed to provide any legal validation of this alleged debt as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Continued reporting of unverifiable or inaccurate data violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

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 2025-11-02 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: OH

Complaint narrative:
I am filing this complaint because an account was opened fraudulently in my name with XXXX XXXX XXXX XXXX Bank after my wallet was stolen. My wallet contained my Social Security card and identity documents. I immediately filed an identity theft report and disputed the fraudulent account. The account was previously removed due to identity theft. 

However, this exact same fraudulent account has now been reinserted back onto my credit report without any proof that it belongs to me, without proper verification, and without providing me notice. This reinsertion is unlawful under the FCRA. 

I have already provided : My police report documenting the identity theft FTC identity theft reporting documents Proof of the prior deletion of this Apple / GS Bank account Evidence showing that the account was reinserted anyway I am requesting the CFPB to intervene and require the furnisher and the credit bureau ( XXXX ) to immediately delete this account again and provide confirmation of deletion. They have not produced any proof of ownership, XXXX XXXX data, EDI record, or permissible purpose to justify re-reporting this account after deletion. 

In addition, my personal information was also compromised in the Equifax data breach. This increases the severity and likelihood of fraudulent activity under my name. 

This account is identity theft and they are unlawfully reporting it again. This needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties.

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- Balance : {$760.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
This letter constitutes formal notice that your [ describe wrongful act : e.g., unauthorized use/distribution of my copyrighted work/harassing phone calls/unauthorized use of my trademark/false statements about me ] directed at me and/or my business must stop immediately. Facts :

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I wanted to unfreeze my Experian account in XXXX to qualify for a loan ( I'd frozen it a number of years ago for security ). I couldn't access my account : I couldn't remember my password but when I tried to reset it by going through their security questions ( name/address/bday/phone XXXX XXXX XXXX  ) I always got message that " our records don't match ... '' Called various Experian customer service numbers but couldn't ever access actual person and XXXX didn't understand my problem. So I followed online instructions to send snail mail request, which I did ( paperwork attached ). And received letter ( also attached ) that my account " already displays a security freeze '' -- which I knew!! but letter didn't give me any instructions about how I can change my password XXXX to unfreeze the account. 

It's been XXXX months. I must have access to manage my Experian account and have no idea how to proceed since I've tried calling and writing without success. 

Many thanks for helping resolve this issue that should be a 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 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Hello, My name is XXXX XXXX. I had a PNC account, checking and savings and also a business account with them as well. There were many charges on my account from XXXX ( upon research, discovered its a sports betting app ). I dont sports bet and never have. Someone used my card numbers for multiple bank accounts after u lost my wallet. I reached out to XXXX for assistance and they have the worst customer service there is. They asked me to provide the charges and dates of transactions. I did so and they did a search for them and charges came back under the name XXXX XXXX which is NOT ME. The total was I believe {$3000.00}. Pnc closed my account upon investigation. XXXX 100 % not responsible for these charges. Please help me. This is damaging my chexsystem and many other things, if they would take the time to contact XXXX they would see the name on the account using the funds is not me. 
I filed a complaint before and they did an investigation and I responded and havent heard from them since. 
I reached back out to XXXX. 
I spoke to XXXX and this is a little frustrating. 
I had an account in 2023 with them, thats the only account Ive had. They sent you that account which is not connected to the charges that were made. 
I asked customer to confirm the last time a charge was made on my account and it was 2023. So its impossible that I made those charges. 
I also have translation ID numbers now that I will attached them along with the chat. 
The transaction IDs to match the bank transactions are : Deposit Reference # : XXXX Deposit Reference # : XXXX Deposit Reference # : XXXX Deposit Reference # : XXXX Deposit Reference # : XXXX Deposit Reference # : XXXX Deposit Reference # : XXXX XXXX not sure if these are all of them but if you contact them with those deposit references they can trace them and see they are not connected to my account and are under a whole different person. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To Whom It XXXX Concern, I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ). 

I am a victim of identity theft and the data breaches with Equifax Ref : ( XXXX ) and TransUnion which compromised my personal information and resulted in the creation of accounts that I did not authorize. As a result several inaccurate and unauthorized accounts were added to my credit report with no written notice or verification from the furnishers.

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Sections 605B and 611, I am requesting that Equifax and TransUnion immediately investigate and permanently block all fraudulent information associated with my credit file. The following accounts were not opened or authorized by me and should be removed immediately.XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  and XXXX XXXX. These accounts are the direct result of identity theft/ Data Breach. I have never applied for, used, or consented to the opening of these accounts, and they should not be associated with my name or credit file.

In accordance with the FCRA, I am requesting that you : 1. Conduct a full reinvestigation into the disputed accounts.

2. Permanently block and delete these fraudulent accounts and any related inquiries.

3. Provide written confirmation of the deletions and an updated copy of my corrected credit report.

To assist with your investigation, I have enclosed : 1 ) A copy of my government-issued ID 2 ) A recent utility bill as proof of address Please consider this my formal request under FCRA 605B to block and remove all identity theft related information from my credit report. I expect confirmation of these deletions wit
hin the 30-day investigation period required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I am submitting this complaint because a collection account was reported on my credit report, and despite my formal written request for validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), the collector failed to provide any proof that the alleged debt is valid or that I am legally responsible for it. I requested documentation such as the original contract, itemized statements, and proof of ownership, but none were provided. Reporting or attempting to collect a debt without proper validation is a direct violation of federal law and has caused harm to my credit profile. I am requesting that the CFPB investigate this matter and require the collector and credit bureau to provide full documentation or delete the account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/2025, a transaction in the amount of {$4500.00} was processed on my Chime account without my authorization. I did not make or approve this transaction. I noticed that the charge to XXXX was attempted multiple times before finally going through. 

Prior to this incident, I had allowed someone I met on XXXX to repair my phone. However, I did not authorize any payment to XXXX or to that individual for this amount. 

I promptly disputed the transaction with Chime, but the company failed to conduct a thorough investigation. They later denied my dispute without explaining how they reached their conclusion or providing any supporting documentation. 

Additionally, I recently noticed an unauthorized XXXX  transaction on a card I no longer use, which raises further concerns about the security of my account and Chimes handling of customer data. 

I believe Chime did not fulfill its obligations under Regulation E ( Electronic Fund Transfer Act ), which requires financial institutions to investigate and resolve unauthorized transaction claims within the required time frame and to provide an explanation of findings. 

Chimes failure to properly investigate, communicate, and secure my account has caused financial and emotional distress. Furthermore, Chime is not FDIC insured directly, and I am concerned that my funds are not being properly protected. Resolution Requested : I request that Chime refund the disputed amount of {$4500.00} immediately. 
I ask that Chime conduct a full and transparent investigation of the unauthorized transactions. 
I would also like a written explanation of how the prior investigation was handled and why the dispute was denied. 

Supporting Details : Disputed transaction date : XX/XX/2025 Amount : {$4500.00} Merchant : XXXX Additional unauthorized transaction : XXXX  ( date unknown, from inactive card )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. I have a collection agency reporting a negative mark on my credit report for something I know nothing about nor have I ever done business with the collection agency nor ever signed any contracts or agreements with said collection agency. The name on file is not mine, and they are causing me great stress by posting inaccurate information on my credit report for several months already. 

The collection agency is : Spring Oaks Capital LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: MO

Complaint narrative:
Accounts to be deleted and removed from my consumers report. Rent and utilities XXXX, Reported : XXXX. XXXX, XXXX {$180.00} XXXX Reported : XXXX. XXXX, XXXX {$1200.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$260.00} Needs Attention + XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$230.00} Needs Attention + XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$3200.00} Needs Attention + XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1100.00} Needs Attention These account was opened and furnished as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.

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 2025-11-02 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: MO

Complaint narrative:
Accounts to be deleted and removed from my consumers report. Rent and utilities XXXX, Reported : XXXX. XXXX, XXXX {$180.00} XXXX Reported : XXXX. XXXX, XXXX {$1200.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$260.00} Needs Attention + XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$230.00} Needs Attention + XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$3200.00} Needs Attention + XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1100.00} Needs Attention These account was opened and furnished as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain information in my credit file that I believe to be inaccurate or incomplete. I am requesting that you conduct a thorough investigation of the items listed below and remove or correct them as required under the Fair Credit Reporting Act ( FCRA ). 

This account does not belong to me Please re-investigate this matter and remove any inaccurate or unverifiable information from my credit report. Enclosed are copies of documents supporting my position, including [ proof of payment, account statements, identification, etc. ]. 

In accordance with the FCRA, I expect the results of your investigation and an updated copy of my credit report within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

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