vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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: CA

Complaint narrative:
My closed XXXX and XX/XX/XXXXXX/XX/XXXX accounts ( Acct # XXXX andXX/XX/XXXX XXXX ) are reporting multiple late payments despite being paid off and having {$0.00} balances. I have disputed these entries but they remain on my credit report. 

I am requesting verification of these late payment reports and removal of any inaccurate or unverifiable derogatory 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 explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
unknown debt collection from Radius Global Solutions appeared on my credit report

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 2025-09-21 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: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
This motor vehicle company ran my credit report twice two times and I never ran my credit report and the salesman that I was dealing with knows that we never ran my credit report because I wasn't even there long enough to run my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
Note : First Advantage, in its investigation for XXXX XXXX, states that my license number does not match the state, license number, or date of birth. 
My name is XXXX XXXX XXXX. 
Driver 's License No. XXXX XXXX of Florida XXXX 
Driver 's License Expiration : XX/XX/XXXX Date of Birth : XX/XX/XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year> Cash App try to fraudulently. Take money from my account without my authorization or my prior knowledge for XXXX $ which caused an alert to my bank. I reached out to cash app only for the issue at hand not to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: TN

Complaint narrative:
I pulled my credit for a home loan and learned of the negative items.

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 2025-09-21 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: SC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 non-monetary relief
Consumer complaint received 2025-09-21 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: TN

Complaint narrative:
I pulled my credit for a home loan and learned of the negative items.

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 2025-09-21 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 pulled my credit for a home loan and learned of the negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I am disputing a medical collection that Radius Global Solutions is reporting. I requested validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Radius responded with a cover letter dated XX/XX/XXXX and four pages of XXXX XXXX XXXX XXXX XXXX totaling {$2100.00}. 

While these forms show that XXXX billed for services on XX/XX/XXXX, they do not validate that I personally owe the claimed balance or that Radius has the legal authority to collect it. Specifically, Radius did not provide : An Explanation of Benefits ( EOB ) or insurance adjudication proving what my insurer paid/denied and why ; A chain of assignment/ownership establishing Radiuss legal right to collect ; A complete accounting showing charges, contractual write-offs, insurance adjustments, and any payments, proving that {$2100.00} is accurate and legally due from me.

I have consistently asserted that this should have been covered by insurance and that the amount appears inaccurate. Radiuss packet is essentially billing screens, not proof of a collectible debt from me. After my dispute, Radius continued to communicate and ( to my knowledge ) continues reporting the tradeline without supplying proper validation.

Under FDCPA 1692g ( b ), collection activityincluding reporting or verifying with a credit bureaumust cease until the collector mails proper validation. If the tradeline was verified with credit bureaus after my dispute without furnishing full validation, that also raises concerns under FCRA 623 ( b ), 15 U.S.C. 1681s-2 ( b ) ( failure to conduct a reasonable investigation after a consumer dispute through a CRA ).

I am requesting CFPB assistance to compel Radius to either provide full, legally sufficient validation ( including EOB/denial codes, itemized accounting, and proof of assignment ) or delete/withdraw the collection from all consumer reports and cease further collection. I am attaching Radiuss response packet and my prior dispute letter sent by certified mail.

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 2025-09-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Unauthorized XXXX Transactions Totaling up to {$63000.00} Dollars within the span of less then 2 months. Transactions were disputed and disputes were denied. 
{$10000.00} XX/XX/year> {$10000.00} XX/XX/year> {$10000.00} XX/XX/year> {$10000.00} XX/XX/year> {$10000.00} XX/XX/year> {$3300.00} XX/XX/year> {$4.00}

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 monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: MI

Complaint narrative:
A checking and savings account were opened without my permission by US Bank. I contacted them and they agreed to close them. I asked how this happened and they said i must be a victim of identity fraud. I disagree as i have fraud monitoring. I believe the company did this behind my back.

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 2025-09-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$14000.00} XX/XX/XXXX XXXX  XXXX {$20000.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX TELEPHONE NUMBERS NOT RECOGNIZED ( XXXX ) XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
I called them plenty of times and told them I didnt request this loan all my identity was stolen from me for about a year, so when I told them they told me that doesnt have anything to do with them I will have to pay or they going to continue to charge me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
They did report the credit card account as fraud and are getting it reviewed to be fixed and taken down. 

But refused to give me the account number in full. Instead they told me to fax 2 forms of government id to them to give them this. It seems crazy that someone can make a fake account. And I will never learn of this from my bank, but instead hear it from XXXX XXXX 2 months later. And they cant provide me with my account info even after Ive proven who I am. 

Im reporting capital one because this is crazy how they let someone make an account with a different phone number, address and etc. under my name. With out ever ever sending me any sort of verification request. Or notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: MI

Complaint narrative:
To whom this may concern, I recently received a response to a dispute that I made under FCRA 611a regarding questionable and inaccurate items ( s ) on my credit report. I was confused when I learned you somehow " verified '' the disputed items, and they are still on my credit report. Can you confirm how this investigation was conducted and what the MOV was that was used? I am not disputing this again, I'm specifically asking for the method of verification for the below. 

As you know, in XXXX XXXX TransUnion, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX ( Equifax ), the courts ruled each and every time that the CRA couldn't merely " parrot '' data from the creditors and collection agencies ... that were required to conduct an independent REASONABLE investigation to ensure the validity of the debt and the integrity of the creditor and collection agency in question. Sending out a generic form through the e-Oscar system for the dispute is not reasonable! Please FULLY validate with details on how you verified this ( names of people you spoke with and contact numbers ). If you are unable to do so, DELETE THIS ACCOUNT off my credit report forever, or I will gladly escalate to the CFPB and have my consumer protection attorney file court proceedings. 

Thank you Account Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Collection account. {$600.00} past due as of XX/XX/XXXX. 

Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Collection account. {$780.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account charged off. {$670.00} written off. {$980.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX XX/XX/XXXX Closed Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Filed reporting identity theft to the FTC. 
My reference is : 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 2025-09-21 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$240.00} XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$35.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$240.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$240.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$730.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$180.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$180.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$480.00} unauthorized transactions that have been reported more than once to the merchant - improper use of my account

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 2025-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
My home loan was sold to Lakeview which is serviced by Mr. Cooper. They failed to put enough money in evarow to cover taxes. Refused to take responsibility or resolve. Mortgage payment has gone up significantly as a result causing financial distress. They said I am {$7000.00} behind in taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: Chime Financial Inc
State: MS

Complaint narrative:
My chime account is in the negative of XXXX and im not understanding why .. everytime i call they just transfer me over to another none speaking XXXX XXXX  named XXXX XXXX XXXX XXXX XXXX XXXX XXXX who cant tell me why my account is in the negative and why I cant get my money that was refunded to me yesterday.. I was on the phone with them for an hour and got nothin resolved .. please help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To : XXXX XXXX  Equifax / XXXX  Subject : Dispute of Fraudulent Accounts Due to Identity Theft / Data Breach To Whom It May Concern, I am writing to formally dispute several accounts that appear on my credit report, which are the result of identity theft. I did not open these accounts, nor did I authorize any transactions or activity associated with them. 

Please consider this letter my formal request to investigate and remove the following fraudulent accounts from my credit report : Disputed Accounts : - * * XXXX XXXX * * Balance : {$820.00} - * * XXXX XXXX  * * Balance : {$640.00} - * * XXXX XXXX XXXX * * Balance : {$2300.00} - * * XXXX XXXX XXXX XXXX  * * Balance : {$190.00} - * * XXXX XXXX  * * Balance : {$1500.00} - * * XXXX XXXX XXXX  * * Balances : {$450.00} and {$700.00} - * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine and likely resulted from a data breach or unauthorized use of my personal information. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate investigation and permanent deletion of these fraudulent accounts from my credit file. Attached Documents : - Copy of my government-issued ID - Proof of address ( utility bill or lease agreement ) - FTC Identity Theft Report ( or police report, if available ) - Any documentation related to the data breach, if applicable Please confirm in writing that you have received this dispute and notify me of the results of your investigation. 

If you find these accounts to be fraudulent as indicated, I request that they be removed from my credit report and that a revised copy of my credit report be sent to me. 

Thank you for your prompt attention to this matter. 

Sincerely, * * XXXX XXXX XXXX * * XXXX XXXX  XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation