vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
Radius Global Solutions LLC XXXX XXXX XXXX XXXX, MN XXXX RE : Debt Validation Request for Account # XXXX To Whom It May Concern, This letter is in response to a recent communication I received regarding the above-referenced account number. I am requesting that you provide full validation of this alleged debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : The name and address of the original creditor. 
The original account number. 
A detailed statement of the amount of the alleged debt, including interest, fees, payments, and other charges. 
Verification that you are legally authorized to collect this debt in my state.

A copy of the original signed agreement or contract that created this debt. 
Be advised that I am requesting this validation within the 30-day period provided by the FDCPA, and as such, you must cease all collection activity until the debt has been properly validated.

Also, please be aware that any attempt to report this alleged debt to credit reporting agencies without proper validation will be considered a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I respectfully request all communication regarding this matter be conducted in writing only. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
In or around [ insert month and year ], I discovered that XXXX XXXX-related entries were being reported to the credit bureaus by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) under my name. I have not received a valid contract bearing my signature authorizing the XXXX to report any such alleged debt to credit reporting agencies. 

There is no signed agreement, sworn affidavit, or court order establishing that I consented to or was properly notified of this alleged debt or its reporting. This appears to be an attempt to collect on a debt without proper validation, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite multiple formal requests, the XXXX has failed to produce : A signed contract obligating me to pay, An accounting of the alleged debt ( including principal, interest, and federal matching funds ), or Any judicial ruling or legal validation confirming the debt. 

This reporting has harmed my credit, limiting access to housing, transportation, and employment opportunities. I demand a full investigation and immediate removal of this unverified and damaging entry.

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 2025-07-11 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: CA

Complaint narrative:
I am writing to dispute the reporting of late payment on my credit report. I have contacted the bank regarding this late payment, and they have approved updating the accounts to " open or closed/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NC

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX XXXX Mohela Serving XXXX XXXX XXXX XXXX 
XXXX, MO, XXXX XXXX RE : Disputed Account - Notice to Furnisher XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Please send me a letter explaining your findings and actions.

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Proof of identity Notice to Furnishers of Information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: IL

Complaint narrative:
I followed up with someone named XXXX XXXX ext XXXX ) within the XXXX XXXX XXXXXXXX XXXX Department ( XXXX ), and have left several voicemails without a response. He was following up on my Illinois Attorney General complaint XXXX. The most serious portion of this complaint was the following and, after following up with my bank, XXXX XXXX, it looks like XXXX has provided misinformation and has also not followed up on the same. 

Per XXXX, Experian does not provide scores to banks - scores are calculated by banks based on their preferred FICO Model and the data that Experian provides. Although I have never heard of this, I followed up with XXXX and they stated that they absolutely do receive scores from Experian and base their decisions on these scores, and they sent an adverse action letter stating the same alongside the score provided by Experian, which can be provided, if needed. However, because of this incorrect score provided by Experian via a hard inquiry, the below needs to be addressed and remedied by Experian, and please clarify why XXXX did not follow-up, resulting in further escalations on my side. 

Per the FCRA Section 611 ( a ) ( 1 ), Experian is required to conduct a reasonable reinvestigation of disputed information within 30 days of notification. Your failure to address this inaccurate hard inquiry provided months ago, and the resulting unwarranted hard inquiry by XXXX XXXX, despite multiple follow-ups constitutes a clear violation of this obligation. 

The below is the original concern I submitted to Experian on XX/XX/XXXX via the Illinois Attorney General without proper response : " 4. I had a lender pull my report as of XX/XX/XXXX and the score they pulled was XXXX points lower than the score being reported on the site on the same day. Why? Again, discrepancies like this cause major issues and I'm not sure why I pulled a completely different number just minutes after the lender. They ( XXXX XXXX  ) only pull from Experian. 

7. Given the mistake in # XXXX and the extremely extended support help on Experian 's side with no direct number to contact, XXXX needed to do a hard inquiry given the incorrect information provided. Upon this inquiry, I was approved, as I should have been on XX/XX/XXXX. Given that XXXX does not do hard inquiries unless appealed, I should not have had this hard inquiry put through due to Experian 's mistake. Please remove this hard inquiry and work with XXXX if needed on the same. ''

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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/year> National Credit Adjusters XXXX, KS XXXX Re : Debt Validation Request for Account # XXXX To Whom It May Concern, I am writing to you in response to a collection notice regarding the above-referenced account. This letter is sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which grants me the right to request validation of the debt you claim I owe. Please provide the following information to validate the alleged debt : 1. The amount of the debt, including a breakdown of any fees, interest, or charges added. 2. The name and address of the original creditor. 3. A copy of the original signed agreement or contract showing I agreed to assume this debt. 4. A detailed account history showing all transactions related to the debt. 5. Documentation that proves you are legally authorized to collect this debt in my state. 6. A copy of the judgment ( if applicable ). Be advised that until you provide the requested validation, I am requesting that you cease all collection activities and not report this account to any credit reporting agencies as unpaid or in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This complaint details Capital One 's gross negligence and employee misconduct following a fraudulent wire transfer. 
On XX/XX/year>, a fraudulent international wire transfer was initiated from my account due to a scam. The transfer was for XXXX plus {$40.00} fee, resulting in a total loss of {$3000.00}. 

Transaction Details : Bank : Capital One, N.A. 
Account Number : [ Capital One Account Number ending in XXXX ] Transaction Date : XX/XX/year> Amount : {$3000.00} ( including fee ) Beneficiary : XXXX XXXX XXXX XXXX ( XXXX XXXX ) The Receiver 's Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) THE BENEFICIARY 'S BANK ACCOUNT : XXXX THE BENEFICIARY XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Capital One 's Failure to Act : I discovered the fraud and reported it to the Capital One fraud department on XX/XX/year>, to request an immediate wire recall. At that time, Capital One opened an investigation and assigned it Fraud Case Number XXXX. 
The subsequent response from Capital One 's staff was characterized by incompetence and obstruction : Initial Incompetence : The agent who took the first report on XX/XX/XXXX entered incorrect information, fundamentally jeopardizing the wire recall process from the beginning. 
Obstruction of Process : During a follow-up call, when I requested to be transferred to a supervisor to escalate this urgent matter, an agent named XXXX ( ID # XXXX ) explicitly refused to transfer the call. This action is a clear obstruction of a customer 's path to resolution. 
Dismissive and Unhelpful Service : In another call, an agent named XXXX was dismissive and provided no meaningful assistance, attempting to end the call rather than help a fraud victim. 
Capital One 's failure to provide professional assistance and act with the required urgency is a severe dereliction of its duty of care. This negligence has likely made it impossible to recover the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I spoke with this company finally after months, and informed about repeatedly submitting police reports to have this removed from credit report.I will not accept consistent harassment, or being told nothing can be removed without completion regarding obligations to this company after in fact showing this is IDENTITY THEFT. I won't give into the demands due to previous exposure of my information and fraud, and I will not BE FORCED into completion of documentations that I have already provided police reports for, and be unawaringly stuck into an agreement with this third party company that bout the debt, paid the merchant, and demanding monies from me for something I DID NOT DO. And will no provide to me anything in writing to me as I requested, not the social security number attached to the one that almost {$10000.00} that clearly was not mine when that information was given to me verbally from this company only XXXX time. They are just telling me they have my ID and that's all. No wet ink signature from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
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 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 2025-07-11 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-11 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: PA

Complaint narrative:
I have recently sent multiple requests to XXXX  requesting to have the following inquiries as well as fraudulent accounts removed from my credit report due to my information being exposed in multiple data breaches. XXXX  has failed to thoroughly investigate this matter and remove the information, so I am forced to take further action. I am requesting to have the inquiries and accounts listed below removed immediately due to them being opened and requested without my authorization. 
The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The fraudulent accounts that should be removed from my credit report are : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date of Charge-Off : XX/XX/XXXX Amount Charged-Off : {$0.00} balance. Paid in full Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date of Charge-Off : XX/XX/XXXX Amount Charged-Off : {$0.00} Balance. Paid in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I am submitting this complaint regarding Navient and the inaccurate reporting of my student loan accounts. My accounts with Navient are paid in full and were transferred to XXXX without my knowledge or timely notification. 

Despite this, Navient is reporting that the accounts are XXXX days past due. The alleged delinquency dates fall within the period of the federal student loan payment freeze enacted in response to the COVID-19 pandemic a time when payments were not required and should not have been reported as late.

These negative and inaccurate remarks are now unjustly harming my credit score and directly impacting my ability to secure a mortgage and purchase a safe home for my children. I believe this reporting violates both the spirit and letter of the protections granted to borrowers during the pandemic-related forbearance period. 

I respectfully request the CFPB to investigate Navients handling of my loan reporting and ensure that these inaccurate late payments are removed from my credit report. Borrowers like myself should not be penalized for a mismanaged loan transfer and misleading credit reporting during a federally mandated payment pause. 

Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with explanation