vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
ersonal Statemet CFPB ( 1er Round ) In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.P The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 a 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : Inquiry - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry

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 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
I am disputing a collection account being reported by Radius Global Solutions LLC. 
Radius never provided me with any validation notice, itemization, contract, or proof that I owe this debt. 
Under FDCPA 809 ( a ) ( 15 USC 1692g ), a debt collector must provide written validation within 5 days of initial contact. Radius never sent me any validation and instead reported the debt to the credit bureaus without verifying it. 
I never received any documentation from Radius proving the debt is mine or valid. Because Radius has not validated the debt, they can not legally attempt to collect it or report it. 
Radius is furnishing information that is inaccurate and unverified. 
adius is attempting to collect a debt that has not been validated and is reporting unverified information to the credit bureaus in violation of the FDCPA and FCRA.

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 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: ID

Complaint narrative:
I am filing a complaint because Shellpoint Mortgage Servicing has collected unsubstantiated interest and fees on my mortgage reinstatement and has failed to comply with my written RESPA Notice of Error and Request for Information. 

XXXX. Improper Interest Overcharge Already Collected Shellpoints reinstatement demand included {$17000.00} in interest, but their own Loan History Statement dated XX/XX/year> shows only {$15000.00} in posted default interest for the same period. 
The remaining {$2400.00} has not been explained or supported by any documentation despite multiple written requests. 

XXXX. Improper Property Inspection Fees Already Collected Shellpoint charged XXXX separate {$30.00} property inspection fees ( total {$150.00} ), even though no foreclosure activity had begun and they have provided no inspection reports, invoices, or justification. 
These charges appear to be unauthorized and not permitted under the Deed of Trust or federal servicing guidelines. 

XXXX. Shellpoint Has Violated RESPA ( 12 CFR 1024.35 & 1024.36 ) I submitted a written Notice of Error and Request for Information on XX/XX/year>, detailing these overcharges and requesting : The interest calculation worksheet Inspection invoices or reports Itemized reinstatement accounting Proof of how funds were applied Shellpoint has not provided a substantive written response within the required XXXX period. Their only reply was a generic form letter that did not address the issues or provide any supporting documentation. 

XXXX. Shellpoint Has Already Collected the Improper Funds These excess amounts were taken as part of my reinstatement payment. I am seeking : Refund or credit of {$2600.00} ( unsubstantiated interest + improper inspection fees ) A corrected detailed accounting Confirmation that no default-related fees are being carried forward

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company 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 2025-11-18 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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 credit report has been accessed multiple times by companies I have no connection with, and applications were submitted in my name without my knowledge or authorization. These inquiries are fraudulent, and I have never permitted any of these companies to pull my credit. I have already contacted Experian regarding this matter, and a representative assured me that these inquiries would be deleted. Despite this, they remain on my report, causing unnecessary frustration and stress.

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 2025-11-18 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: SC

Complaint narrative:
TransUnion violated FCRA 611 ( a ) and 611 ( a ) ( 7 ) by claiming several disputed charge-off accounts were verified, but failed to provide : The method of verification, The name/contact of the furnisher who allegedly verified, Copies of any documentation used in their reinvestigation. 

TransUnion merely accepted furnishers responses automatically through e-Oscar with no reasonable investigation.

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 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I bought a XXXX from Best Buy in XXXX. They sold me at the store " no money down. 0 % interest. '' The XXXX XXXX  purchase was {$1700.00} and my payment has been set to {$29.00} a month. my intentions was to pay off the entire XXXX over time with 0 % interest at {$29.00} per month. Today XX/XX/XXXX i noticed my bank statement of $ XXXX payment has been going through for some months from best buy. I figured out how to log into the citi bank credit card account and there is about {$3000.00} on the card! XX/XX/XXXX they had charged me about {$2100.00} in interest and about {$190.00} for " renewal fee '' ( was never aware of ANY of this was going to happen... ) I had called and spoke with a representative and supervisor and after trying to figure out all the options the only thing they could assist me with is taking off the 2 most recent months of interest which was about {$150.00} or put me on a payment plan. I feel so violated and scammed that i was never informed at the store verbally, emailed, texted, called, or mailed a letter informing me that if i had not paid the full balance before the 36 month promotion ran out that id be charged over {$2000.00}! I was unaware of this information until today XX/XX/XXXX. It seems Citi has structured a masterful way to scam people and get away with it. 

-Sell someone on a crazy promotion -So good of a deal that you dont think of it ever because such a small payment is on auto pay and there is no need for me to log into the account and check my statement -Made the monthly payment so low so its impossible for me to pay it off within that time frame. ( unaware that there was a time limit ) -Then 36 months later XXXX over the person who sign up... BAD. 

-Now legally theyre protected and im stuck with {$3000.00} that i can not afford to pay and was unaware this whole time that this even was there

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 2025-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
The company is attempting to collect a deficiency balance from a repossessed vehicle but has not provided the legally required notices or documentation. I requested full debt validation under FDCPA 15 U.S.C. 1692g and UCC 9-611, 9-614, and 9-616. They have not provided the pre-sale notice, post-sale notice, proof of mailing, bill of sale, or any sale records. I am unable to verify this debt without these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
inaccurately and inconsistently across all three major credit bureaus Experian, Equifax, and TransUnion in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). These discrepancies are negatively affecting my credit score and limiting my ability to qualify for important financial opportunities.

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 2025-11-18 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: OH

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Routing number XXXX Acct number XXXX Incident date XX/XX/year> I have no record of Santander account or any fraudulent happenings I tried to open up a checking account and I have been denied and I didnt know why until I contacted XXXX XXXX XXXX and they furnished the information for me which I have since went to identity theft.gov and made an incident 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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NC

Complaint narrative:
XXXXXXXX XXXX says I owe them money. I said I just got out of hospital and very confused. Why are you calling every day? Please stop calling as I hase severe XXXX and suffer terriblby since last hospilation over XXXX times last XXXX years at which XXXX employee said not thier issue am I....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these fraudulent account ( s ) in which i never gave written instructions to anyone to open or report in my name, has violated my rights.

Negligence and Willful Non-compliance.

I am prepared to SUE all parties involved. In Federal court. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these fraudulent account ( s ) in which i never gave written instructions to anyone to open or report in my name, has violated my rights.

Negligence and Willful Non-compliance.

I am prepared to SUE all parties involved. In Federal court. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: IN

Complaint narrative:
In XX/XX/year>, I was the victim of a {$2000.00} XXXX fraud transaction that I immediately reported to PNC Bank. The funds were withdrawn from my checking account ending in XXXX. 
Shortly after reporting the fraud, PNC issued me a new checking account and debit card, and I was told that account XXXX would be closed or transitioned. 
On XX/XX/year>, I received a letter from PNC stating that account XXXX had been overdrawn by {$3.00} for XXXX days and that I could be charged additional fees. This overdraft appears to be a residual fee or bank error, especially since the account was supposed to be closed and the {$2000.00} reimbursement would more than cover any negative balance. 
I contacted XXXX XXXX in XXXX XXXXXXXX XXXX  to request that the {$2000.00} reimbursement be applied to account XXXX and that no further fees be assessed. I also asked for confirmation that the account was closed. 
As of now, the {$2000.00} has not been reimbursed, and the {$3.00} overdraft remains unresolved. I am requesting CFPB assistance to ensure the fraud reimbursement is applied, the overdraft is corrected, and no additional fees are charged on an account that should have been closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted all three credit reporting agenies to update my personal information as well as DELETE information on my report that is being reported incorrectly. 

I am writing to make it absolutely clear that this letter and all enclosed documents have been sent by me personally. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I expect my dispute to be handled in full compliance with federal law. 
Furthermore, I am aware that XXXX, Experian, and XXXX have been the subject of recent enforcement actions and litigation related to their failure to properly investigate consumer disputes. For example, the Consumer Financial Protection Bureau ( CFPB ) recently fined XXXX  {$15.00} XXXX for inadequate handling of credit report disputes. This demonstrates a clear pattern of non-compliance with federal regulations, and I want to ensure that my dispute is processed correctly. 
I also understand that credit bureaus often send automated stall letters or claim that disputes were not submitted directly by the consumer. I want to be very clearthis dispute is 100 % from me. Any attempt to claim otherwise will be considered a direct violation of my consumer rights. 
I am requesting that you send a written response to me at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX The only response I will accept is a written response sent to the address listed above, specifically addressing the items I have disputed. I expect full compliance with the law and a proper investigation into the matters I have raised. 
Failure to adhere to these requirements will result in further action as allowed under the FCRA.

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