vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I submitted a timely Validation of Debt request to RADIUS GLOBAL SOLUTIONS LLC regarding Account Number : XXXX for the alleged balance of {$1600.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, RADIUS GLOBAL SOLUTIONS LLC failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate 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 2025-09-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: MD

Complaint narrative:
In XX/XX/year>2025, my Social Security benefits in the amount of {$1000.00} were deposited to my XXXX XXXX card. I was able to withdraw part of the money, but approximately {$500.00} {$600.00} remained on the card. XXXX XXXX then froze the account, and I have not been able to access those funds since. 

I contacted XXXX XXXX multiple times and was told the issue was with Social Security and that I needed to verify my identity. I went to Social Security on XXXX separate occasions, and each time they confirmed my identity had already been verified and that the issue was not with them. They informed me that their only role is to send the deposit, and that XXXX XXXX is responsible for providing me access to my funds. 

I went back to XXXX XXXX and spoke with supervisors and managers. Each time I was told the funds would be released or that I would be sent a check. To this day, I have not received either. 

Since this happened, I have redirected my benefits to a different bank account, but I am still owed the {$500.00} {$600.00} that has been frozen on my XXXX XXXX card since XX/XX/year>2025.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
After got XXXX XXXX & in process improve credit score & FICO, I received online offer for Avant card svcs XXXX XXXX & did so. Not long afterwards told by Avant add card to XXXX XXXX ( I thought strange ) but did so. Realize not able use Avant card so removed from XXXX  XXXX by EOM XXXX I recall. I have friends/workers who have no access to my card but may need pay on it which is legal & DOES NOT CHANGE MY PROFILE. XXXX strange charges so I locked card but found unlocked & being used. Avant change my profile to, XXXX bank accts not mine then at end made sure mine showed. Plus another XXXX card issued someone?? Closed card account then show charge same time & upwards $ XXXX not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account on my XXXX  credit report related to an alleged XXXX XXXX debt. However, XXXX XXXX has never provided me with a proper validation notice as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

I contacted XXXX XXXX by phone on [ XX/XX/year> ]. During the call, their representative stated that I only had three debts : two that I acknowledge owing and one time-barred account over 12 years old. She did not mention the collection account that is currently reported on my XXXX  file, even though it had already been verified with XXXX. At the beginning of the call, the representative pressed for my mailing address, suggesting that any validation letter may have only been sent after obtaining my address on that call, instead of within the required five-day window. 

This raises serious concerns about XXXX XXXX record-keeping and compliance. Reporting a verified account to the credit bureaus while failing to disclose it to me directly is deceptive under the FDCPA ( 15 U.S.C. 1692e ) and creates inaccurate reporting under the FCRA ( 15 U.S.C. 1681s-2 ). 

I request that the CFPB investigate this matter, require XXXX XXXX to provide proof of the original Date of First Delinquency and timely validation, and direct deletion of the account if they can not comply. I have a recording of the phone call where the representative did not disclose the account currently reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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 filing a complaint regarding an Transunion XXXX account and Experian account with XXXX accounts with XXXX being reported on my credit file. This account is the result of identity theft and is not mine.

Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), once I submit an Identity Theft Report and supporting documentation, the credit bureau must block and remove the fraudulent tradeline within 4 business days. I have already provided the bureau with my FTC Identity Theft Report / police report, ID, and proof of address, but the Affirm account remains. 

This failure to block the account is a violation of my rights under FCRA 605B. I request that the CFPB investigate this matter and require both Transunion and the credit bureau to delete this tradeline immediately and confirm removal in writing

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the
credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am filing this complaint against Toyota Motor Credit Corporation ( TMCC ) regarding an account that is inaccurately and unlawfully being reported to XXXX  and other reporting agencies. The account appears twice on my credit report under the same masked account number, but with conflicting statuses one reporting as closed and never late, and the other as a derogatory charge-off with a balance. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy. 

Further, based on XXXX  own publicly filed financial documents including their XXXX, XXXX, Form XXXX, and trust filings with the SEC the account in question appears to have been sold and transferred into a legally isolated, bankruptcy-remote trust. TMCC clearly states in its filings that once receivables are transferred to securitized trusts, they are no longer TMCCs assets and are removed from their balance sheet. This means TMCC is no longer the owner or creditor of the account, and their continued furnishing of data to the credit bureaus constitutes misrepresentation under FCRA and the Fair Debt Collection Practices Act ( FDCPA ). They are falsely representing ownership of a debt they no longer hold, while also acting as a debt collector without proper disclosure a violation of FDCPA 807 and 809. 

Additionally, this reporting appears to violate XXXX XXXX compliance standards, particularly in the use of incorrect ownership codes, failure to flag the account as transferred or sold, and duplication of account status. TMCC may also be in violation of IRS Code 6050P if the account has been charged off and no 1099-C has been issued, as is required for discharged indebtedness. 

The companys actions also raise serious concerns under XXXX standards including the misclassification of assets, unjust revenue recognition, and reversal of receivables all of which are documented and contradicted within their own SEC filings. 

Given these findings, I am requesting that the CFPB initiate a full investigation into Toyota Motor Credits credit reporting practices, require deletion of the inaccurate and derogatory tradeline ( s ), and compel TMCC to cease all reporting and collection activity on the account if they can not provide full legal validation of ownership and servicing rights. 

I am submitting all supporting documentation, including SEC filings, credit report excerpts, and a detailed legal summary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: GA

Complaint narrative:
TRANSUNION HAS REPORTED SEVERAL CHARGE OFFS ON MY CREDIT FILE FROM XXXX FOR XXXX XXXX- ACCOUNT NUMBER-XXXX, ACCORDING TO RULE 15 U.S.C. 1681n & 1681o. THIS IS A VIOLATION TO REPORT INNACCURATE 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 2025-09-01 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: TX

Complaint narrative:
I filed repeated disputes with Experian regarding fraudulent accounts appearing on my credit report. I also provided an FTC Identity Theft Report to verify that I am a victim of identity theft. Despite this, Experian continues to report these disputed accounts, demonstrating a failure to comply with its duty to investigate and correct inaccurate information under the Fair Credit Reporting Act. The inaction by Experian is causing me continued harm and frustration.

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 2025-09-01 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/year>2025 i received an email from XXXX XXXX saying that my number was deactivated from zelle that i can no longer use zelle. With no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: Experian Information Solutions Inc.
State: FL

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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
In XX/XX/year>, I initiated an XXXX XXXX XXXX XXXX trade-in online using my Apple Card in order to finance a new XXXX. The device was first reviewed by Apple, but they claimed the condition did not qualify for the full trade-in value. I canceled that trade-in and had my phone sent back to me the same day, took it to the Apple Store for repair, and then immediately re-initiated the trade-in in-store. 

At that point, the trade-in was approved in full for {$630.00}, but instead of applying the value directly to my Apple Card account XXXX as it should have been, since I was financing the new XXXX with Apple Card ), Apple issued me a physical gift card. I had no use for this gift card because the trade-in was meant to offset my financing plan. After contacting customer service, the gift card value was transferred and applied to my Apple Card, and the gift card itself is now XXXX  out. At this point, the issue should have been fully resolved.

Despite this, the following month I was billed for the trade-in amount again, as if I had never returned my phone. Since then, I have been forced to dispute the same charge multiple times. Each time, Goldman Sachs applies only a temporary credit, and the charge reappears. 

On XX/XX/year>, I was even double-charged for the same trade-in. Only XXXX of those charges was temporarily credited. When I attempted to dispute again, my dispute was denied with the claim that it was already resolved. It was not. I remain wrongly billed for a completed and approved trade-in. 

I have contacted both Goldman Sachs Bank XXXX Apple Card issuer ) and Apple Store support countless times. I am constantly transferred to different representatives, including those claiming to have higher authority, but none have actually resolved this issue. I have been going through this cycle since XX/XX/year> with no permanent solution. 

Requested Resolution : XXXX. Permanent removal of all duplicate trade-in charges. 
XXXX. Written confirmation that I will not be billed again for this trade-in. 
XXXX. Correction of my Apple Card balance so it properly reflects my financing plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-09-02 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud. You are required by law to block the fraudulent information within four ( 4 ) business days of receiving this request. 

The following accounts are fraudulent and must be removed immediately : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Account No : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Account No : XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached : A list of the fraudulent hard inquiries in question.

A copy of my consumer credit report maintained by TransUnion showing the fraudulent items.

I do not recognize these accounts, collections, or inquiries as reported. They were not opened, authorized, or initiated by me. All of the above are the direct result of identity theft and fraud. 

To support my claim, I have also attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that the accounts, collections, and inquiries in question are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud. You are required by law to block the fraudulent information within four ( 4 ) business days of receiving this request. 

The following accounts are fraudulent and must be removed immediately : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Account No : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Account No : XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached : A list of the fraudulent hard inquiries in question.

A copy of my consumer credit report maintained by TransUnion showing the fraudulent items.

I do not recognize these accounts, collections, or inquiries as reported. They were not opened, authorized, or initiated by me. All of the above are the direct result of identity theft and fraud. 

To support my claim, I have also attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that the accounts, collections, and inquiries in question are fraudulent.

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