vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Radius Global Solutions has called my phone numerous times each week about a debt I do not recognize. I told their representatives that I dispute this debt and asked for written proof, but they have not provided any validation. The calls continue even after I asked them to stop. This feels like harassment under the FDCPA. 

I am filing this complaint because the four collection accounts appearing on my credit report from Radius Global Solutions is not a valid debt. I have never opened, signed, or applied for these accounts, and I believe these entries are the result of misidentification or possible identity theft. Each company has called my phone numerous times about these alleged debts. I have repeatedly told their representatives that I dispute the debts and have asked for written proof showing that I owe them. None of the companies have provided any documentation, validation, or written notice as required by 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 non-monetary relief
Consumer complaint received 2025-10-23 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX 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 FRAUDULENT INQUIRIES : XXXX - XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am disputing an apartment collection reported by National Credit Systems that is the result of identity theft. I never received validation, yet NCS continues furnishing data TO ALL BUREAUS keeps marking the item verified. I submitted an identity-theft block request to XXXX, XXXX  and XXXX  under FCRA 605B ( 15 U.S.C. 1681c-2 ) and notified NCS. XXXX/NCS failed to honor the block and failed to provide the Method of Verification required by law. 

Timeline ( key events ) : [ XX/XX/XXXX ] Filed police report ( Report # XXXX with the XXXX XXXX XXXX XXXX XXXXXXXX regarding fraudulent apartment debt. 

[ XX/XX/XXXX ] Disputed XXXX tradeline with XXXX, XXXX  and XXXX  as identity theft/ not mine and requested 605B block uploaded ID [ XX/XX/XXXX & XX/XX/XXXX ] Sent direct dispute/validation to NCS ( XXXX ). I requested the lease/contract, move-out statement, itemized charges, chain of title/assignment, Date of First Delinquency, and any documentation used to verify with all XXXX bureaus. 

XX/XX/XXXX - XXXX  and XXXX  verified and updated without providing 611 ( a ) ( 7 ) Method of Verification or proof of DOFD 623 ( a ) ( 5 ). 
[ XX/XX/XXXX ] XXXX  responded verified/updated without providing 611 ( a ) ( 7 ) Method of Verification or proof of DOFD 623 ( a ) ( 5 ). 

[ XX/XX/XXXX ] XXXX did not provide validation under FDCPA 809 ( b ), ignored the identity-theft notice, and continued furnishing to XXXX. 

[ XX/XX/XXXX ] I re-notified asked that the bureaus maintain XXXX  ( in-dispute ) coding per 623 ( a ) ( 3 ). XXXX continues without proper block or validation. 

Violations : XXXX  XXXX  and XXXX  : Failure to block after an identity-theft report ( FCRA 605B ) ; failure to provide Method of Verification ( 611 ( a ) ( 7 ) ) ; failure to conduct a reasonable reinvestigation ( 611 ( a ) ) ; failure to maintain in-dispute coding ( XXXX  ) ( 623 ( a ) ( 3 ) ). 

NCS : Furnishing information after identity-theft notice without a reasonable investigation ( FCRA 623 ( b ), 623 ( a ) ( 6 ) ) ; failure to validate before continuing collection/furnishing ( FDCPA 809 ( b ) ) ; potential failure to provide initial dunning notice ( 809 ( a ) ) ; violations of Texas Finance Code 392.202 ( no timely validation ) and 392.304 ( misrepresentation ).

HARM : Continuing negative reporting has depressed my scores, impeded housing/credit, and caused time and expense to remedy something THEY NEVER VALIDATED THAT I OWE I'm reporting to the Attorney General as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I went in today to Navy Federal XX/XX/year> at XXXX and attempted to wire transfer to XXXX XXXX. I was told that the routing number was not working and not popping up in there system. They asked me to call the law office that gave me the wire instructions. I called them to confirm and the law office said they worked dozens of other banks and never had this issue. They asked to speak with navy federal and navy federal said they prefer not to. Navy federal manger said there nothing else they can do and that if I wanted to figure it out on the side because they have other customers to attend to. I then pulled out a cashiers check because I didnt feel comfortable working with them anymore. I went home and called a navy federal representative and they tested the routing number and it pulled up the XXXX XXXX. They then called the branch office to tell them that it worked for them and they dont know why they didnt help me. They asked me to go back to the branch and try it again. I feel utterly disrespected by this branch and feel that there processes should be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX I sent a dispute letter via certified mail via the XXXX XXXX. The XXXX XXXX  verified Experian received my documents on XX/XX/year>. I also received notification due to a data security breach incident. My private information has been compromised. The notification indicated that my social security number is on the dark website. I included a copy of the police report regarding this incident with the complaint letter. 

I advised Experian, that I am writing to formally dispute the accuracy and completeness of information listed on my credit report maintained by their agency. And also, I never gave written consent to furnish or obtain my personal information. Therefore I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which requires that you : Conduct a reasonable reinvestigation of the disputed information. 

Review and consider all relevant information I am providing with this letter. 

Notify the furnisher of the disputed information. 

Delete or correct any inaccurate, incomplete, or unverifiable information. 

Provide me with written results of your reinvestigation within 30 days of receipt of this dispute. s, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and to pursue all available legal remedies under 15 U.S.C. 1681n and 1681o, including but not limited to actual damages, statutory damages, punitive damages, costs, and attorneys fees in a civil lawsuit that will be filed in 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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
So about XXXX weeks ago, my account was a negative because my I was working out to get paid with my sick hours Done and so I was unable to work and I wasnt able to deposit money to my bank account. That being said I have called to let them know what my situation was and they said theres nothing they could do for me and so I got hit with like XXXX {$34.00} overdraft fee. I only got reimbursed XXXX, and then I got charged again with another XXXX after I had asked them that if there was anything I could do because of that cause I was waiting to get paid so thats a total of {$170.00} right now that they charge me an over XXXX  honestly and they normally dont charge me after I call them and let them know what my situation is. I dont know what happened so yeah.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
In XXXX, I requested my grandmother to remove my bank account information from her XXXX credit card account. I agreed to assist with some of her payments and have been helping for over a year. In XXXX of this year, I could no longer assist with payments and that is why I asked for her to stop the charges to my account. However, I was still charged {$320.00} from XXXX. I'm currently in the process of filing bankruptcy so this was difficult when I saw the charge. I spoke with XXXX and they said they can not do anything because I was not the " client '' and my grandmother had to stop it. I spoke with my grandmother and she reports she has tried. I was not sure if it was the bank not understanding her request or if it was a language barrier. We do not live together or near XXXX another so it has been difficult to connect with her to try to go to the bank together and solve this matter. I've tried multiple times. I asked my bank, SoFi, if they could assist me and dispute this charge. I received an email from them saying " based on our investigation, we regret to inform that this matter falls under a civil dispute between you and the merchant ... As a results of your claim, no funds will be credited to your account and this matter is considered closed ''. 

I was frustrated but SoFi confirmed they would be able to " block '' XXXX from charging me again. I understood and accepted this resolution. Unfortunately, XXXX charged me again on XX/XX/year> for {$310.00} and it was successfully processed. I called SoFi immediately and they confirmed that I should not have been charged. The representatives stated they'd send this to their dispute department. I received an email from them saying the same thing they said in XXXX. I would not receive my funds and had to file a civil dispute with XXXX. I disagree. SoFi should have kept their promise on prohibiting XXXX from charging me again and return my funds. I'm also frustrated I continue to be charged by XXXX after I requested my bank account information to be removed so I would stop being charged. I feel it is very stressful and overwhelming along with determining if I have to open an account with a different bank so i'm not longer charged for a credit card that is not mine and simply trying to help with temporarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: NJ

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Friday XX/XX/year> i received email notification from both XXXX XXXX ( via their XXXX ) and XXXX XXXX that a new hard inquiry was added to my credit report as kept by TransUnion. 
This inquiry was not requested by me, nor done by someone with my request or authorization or knowledge. 
When i logged in to the above websites to clarify, none of them had any further information except that the hard inquiry was reported to TU by XXXX. However when i called XXXX  to investigate, they had no further info and could not even see any indication of transactions more recent than the credit card i opened with them several years ago ( and have maintained in good standing. ) Since hard inquiries ding your credit score for XXXX years, treating it like an error is not sufficient. I have activated a fraud alert and changed my email password, and started a TU report dispute. 
When i logged in to TU website to research my action steps and activate a fraud alert, it told me i was allowed to pull a full report of my credit, however it also informed me that a full report had already been pulled recently. Unfortunately it's hard to tell if this was a website error, since the date of the report that i pulled listed " today 's date '' as a day ahead into the future.

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 2025-10-23 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:
Subject : Formal Dispute of Inaccurate and Unverified Information FCRA Violations & Data Breach Dear Experian Dispute Department, Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I formally dispute the accuracy, completeness, and legality of the following accounts reported on my credit file. Each contains errors, unverifiable data, or is being reported in a manner that violates the FCRA and Metro-2 Compliance Standards. 
Disputed Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  conflicting Date Last Active and Date Opened ; unverifiable collection. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Status simultaneously listed as Closed, Refinanced, and Open ; this is contradictory and non-compliant with 607 ( b ). 
XXXX. XXXX XXXX Incorrectly shows XXXX days past due despite inconsistent payment data; unverifiable under 611 ( a ). 
XXXX. XXXX XXXX, XXXX Obsolete charge-off from 2019, exceeding the XXXX limit under 605 ( a ) ( 5 ). 
XXXX. XXXX ( XXXX XXXX ) Closed and paid account still reporting late payments ; inaccurate per 607 ( b ). 
XXXX. XXXX XXXX ( XXXX  Account ) Duplicate account reporting ten 90-day lates after closure ; misleading and incomplete.

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 2025-10-23 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: MS

Complaint narrative:
I checked my credit report and saw information that was not mine on my credit report. I sent letters in to each bureau asking to to investigate and send a method of verfication. They did not. They have not followed any laws of the federal credit reporting act. Ive sent any letters every 30 days since XX/XX/year> and i have not gotten any responses.

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: VT

Complaint narrative:
They sent my my new debit card and have not received My PIN to use the card. They are Refusing to help over the phone. I am unable to access my money without the PIN

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Experian and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

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