vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
I am submitting this complaint against Radius Global Solutions LLC, located at : Radius Global Solutions LLC XXXX XXXX XXXX, XXXX, MN XXXX They have been attempting to collect on a charged-off debt originally owed to XXXX XXXX XXXX  XXXX 2023 in the amount of {$4200.00}, referencing account number XXXX. 

Upon reviewing the XXXX XXXX XXXX XXXX and Regulatory Affairs ( LARA ) and other consumer access databases, I have confirmed that Radius Global Solutions LLC is not licensed, bonded, or authorized to collect debts in the State of Michigan. 

Despite this, they have sent numerous mailed notices to my residence attempting to collect this debt. This behavior constitutes a violation of the following laws : - The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
- Michigan Occupational Code, MCL 339.901 et seq.

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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I'm trying to open a checking account. I've tried several banks, but they say I'll receive a letter saying it's not possible to open one. I don't know what it is, they won't tell me, and no letter has arrived.

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 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I am writing to formally dispute the collection account ( s ) listed under my name and to notify you that my personally identifiable information ( PII ) was used without my knowledge or authorization. I did not open, authorize, or agree to any debt with your collection company, nor with the original creditor you represent. 

I have reason to believe that my personal information was obtained through a data breach, and used fraudulently to open or associate this account in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], I am exercising my right to request that any fraudulent information resulting from identity theft be blocked and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Ally Financial Auto Loan has been closed since XX/XX/year> but remains on my credit report. I would like it to be removed. All balances have been paid off since XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; XXXX XXXXXXXX {$3400.00}, XXXX XXXX {$1300.00}, XXXX XXXX {$1300.00}, XXXX XXXX {$1200.00}.

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 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Synovus Bank
State: CT

Complaint narrative:
I submitted 3 payments to first latitude credit card they kept reversing the payment even though plenty of funds were available. i had an agent call my mothers cell phone asking for me or for her to pay the debt that i tried to pay multiple times. i have had agents calling my phone several times a day even after XXXX ; XXXX waking up my XXXX XXXX XXXX son as i JUST got him to sleep. I have tried to pay on time and they continuously reversed it everytime it reverses i end up charged from my bank. it is now causing an effect on my credit. i have contacted them they told me to pay again as i did and again- it reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed multiple fraudulent accounts due to the XXXX XXXX XXXX and it is hindering my ability to obtain credit.

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 2025-07-13 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 recently reviewed a copy of my credit report and noticed multiple fraudulent accounts due to the XXXX XXXX XXXX and it is hindering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo promised to pay and never paid in fact. No one contacting me any more from Wells Fargo and no Payment. My other case was XXXX. Wells Fargo now pretending to be a super big company and acting that they don't have to do the payment. Because no one know if all the phone numbers that I called about this.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX has been closed since XX/XX/year> but remains on my credit report. I would like it to be removed. All balances have been paid off since XXXX of 2016.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX has been closed since XX/XX/year> but remains on my credit report. I would like it to be removed. All balances have been paid off since XXXX of 2016.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX has been closed since XX/XX/year> but remains on my credit report. I would like it to be removed. All balances have been paid off since XXXX of 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MI

Complaint narrative:
I have recently received a copy of my credit report and I have noticed several inaccuracies/inconsistancies and unauthorized accounts/information on my report. This has been detrimental to my credit health and, therefore, my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MI

Complaint narrative:
I have recently received a copy of my credit report and I have noticed several inaccuracies/inconsistancies and unauthorized accounts/information on my report. This has been detrimental to my credit health and, therefore, my life.

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 2025-07-12 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: FL

Complaint narrative:
I am disputing late payments reported by Experian, XXXX, and TransUnion on my XXXX XXXX XXXX auto loan account, originally opened on XX/XX/XXXX and closed in XX/XX/XXXX. These bureaus are reporting inconsistent late payments for the year XXXX, during a documented period of XXXX hardship in which I lost my job due to mandatory shutdowns. 

Under the CARES Act ( Section 4021 ), creditors were instructed not to report late payments if the consumer was current before the hardship. I had a history of on-time payments. Experian is reporting XXXX XXXX lates and XXXX XXXX late, while TransUnion and XXXX  report XXXX XXXX and XXXX XXXX lates. This inconsistency and the fact that it happened during an extraordinary hardship makes it unfair and inaccurate. 

I am requesting that all late payments reported during XXXX be corrected to Paid as agreed status. This has negatively affected my credit and is against federal consumer protection law. 

Ive attached a formal XXXX  dispute letter explaining this in more detail.

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 2025-07-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I opened a Care Credit account with a {$2000.00} Credit limit. The explanation of interest fees and promotional periods were not clear. I used the credit limit for medical  purposes. I ended up paying {$78.00} in fees every month for almost 3 years with payments of {$100.00}. The interest charges were {$26.00} per month and then a " XXXX  card security '' charge of {$32.00} per month ( although these amounts increased sometimes. During the last 3 years, I ended up paying the full credit balance off 3 times over. My balance never decreased. So I used my savings to pay off the balance in full. After I did that, the " automated system '' did a " review '' and decreased my available balance to {$250.00}! So, not only do I not have the available credit I had needed for medical emergencies, I also don't have the money! On top of this, the amount I paid will not be reported to the credit bureau and will destroy my credit score. This entire situation was completely wrong and terrible. I spoke to so many representatives and they said there was no one in the entire world that could help me or change it. They just said " it's all automated and there's nothing anyone can do to change this ''. I am disgusted and outraged and feel like I've been wronged in so many ways.

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 monetary relief
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX, who is reporting inaccurate and misleading information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question is reported as a charge-off on my credit report from XX/XX/XXXX through XX/XX/XXXX, which is already misleading, but it gets worse : The balance continues to increase with no payments made or activity shown. 
It has risen from {$20000.00} to {$20000.00} despite the account being charged off and showing no scheduled or paid payments. 
XXXX is also reporting repeated delinquency notations ( CO, XXXX days past due ) after the charge-off, which creates the false appearance of new delinquencies every month.

This violates FCRA 607 ( b ), which requires furnishers and credit bureaus to maintain maximum possible accuracy, and is misleading and damaging to my credit. 

I have disputed this with the credit bureaus and request that the CFPB take action to investigate XXXX XXXX XXXX and ensure this account is either corrected or permanently deleted from all credit reports. 

I have attached documentation showing the charge-off history, balance increases, and lack of payment activity to support my claim.

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 2025-07-12 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 filing a complaint regarding XXXX XXXX XXXX, who is reporting inaccurate and misleading information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question is reported as a charge-off on my credit report from XX/XX/XXXX through XX/XX/XXXX, which is already misleading, but it gets worse : The balance continues to increase with no payments made or activity shown. 
It has risen from {$20000.00} to {$20000.00} despite the account being charged off and showing no scheduled or paid payments. 
XXXX is also reporting repeated delinquency notations ( CO, XXXX days past due ) after the charge-off, which creates the false appearance of new delinquencies every month.

This violates FCRA 607 ( b ), which requires furnishers and credit bureaus to maintain maximum possible accuracy, and is misleading and damaging to my credit. 

I have disputed this with the credit bureaus and request that the CFPB take action to investigate XXXX XXXX XXXX and ensure this account is either corrected or permanently deleted from all credit reports. 

I have attached documentation showing the charge-off history, balance increases, and lack of payment activity to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally report that I have been experiencing ongoing issues when attempting to access my credit report and score through TransUnion. Despite multiple attempts, I have been unsuccessful in retrieving my credit score or report via transunion. 

As a result of this issue, I have been denied credit by several institutions that rely solely on TransUnion data. This has caused undue financial hardship and unfair damage to my creditworthiness. 

Furthermore, because I have been unable to access my report, I have not had the opportunity to properly review or dispute any potentially inaccurate or outdated negative information that may be affecting my file. Therefore, I am formally requesting that all negative items currently listed on my TransUnion credit report be removed immediately, as I have been denied access to a fair and lawful dispute process. 

If this matter is not resolved in a timely and satisfactory manner, whether by TransUnion or any third-party service acting on your behalf, I will be forced to explore legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ). 

Please advise if any further documentation is needed. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX Date of Birth : XX/XX/year> Last XXXX of 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 2025-07-12 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc.
State: TX

Complaint narrative:
on XX/XX/year> this account was open using my name and personal information and closed the account and marked as paid and closed and I never knew any thing about this card and why are y'all trying to send me money after I investigate this matter and send me copy of the whole application

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: MI

Complaint narrative:
I am a direct victim of the widely publicized XXXX  Equifax data breach, which exposed highly sensitive personal information of millions of consumers, including mine. As a result of this breach, my personal data including my full name, Social Security number, date of birth, and potentially financial details was compromised without my consent. 
Subsequently, I identified multiple accounts and inquiries on my credit report that I do not recognize, which were clearly opened or initiated by third parties using my stolen identity. I did not authorize, open, or participate in any of these transactions. 

Information in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are unjustly harming my creditworthiness and personal reputation, despite having no legitimate connection to me.

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I have the legal right to request that any information resulting from identity theft be blocked and permanently removed from my credit report once I provide : Proof of my identity ; A valid identity theft report ( which I have already submitted to the FTC ) ; A list identifying the fraudulent information Request to the CFPB :

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