vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
To Whom It May Concern at the CFPB, I am filing this complaint because an inaccurate collection account has been reported on my credit file by Radius Global Solutions. The account information is as follows : XXXX Creditor Name : Radius Global Solutions XXXX Account Number : XXXX * Balance Reported : {$3600.00} This is not my account, and I have no knowledge of or connection to this debt. I am disputing the validity of this collection and requesting that Radius Global Solutions provide full documentation to support their claim under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

I have also requested that the following be provided : 1. A complete itemized breakdown of the alleged debt, 2. The name and contact details of the original creditor, 3. Any signed contracts or agreements proving I am legally obligated, 4. All supporting records that verify the debts legitimacy.

Until these documents are provided, I am requesting that Radius Global Solutions cease all collection activity and that the account be removed from all credit reporting agencies immediately. This inaccurate reporting is causing me financial and emotional harm. 
Please assist in resolving this matter and ensure that Radius Global Solutions complies with all applicable federal regulations. 

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this message finds you well. I'm writing to formally dispute some incorrect information that appears on my recent credit report. 

After reviewing my report carefully, I noticed an account listed that does not belong to me. The entry reflects a late payment and an outstanding balance that I believe are reported in error. I have never had an account with this creditor, and Im concerned about how this might be impacting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened an account with BoFA Bank of America. I was never made aware of any fees to be charged. When I saw that I was being charged fees I was told what I need to. I did what was necessary to eliminate the fees. They took care of two of the 5 fees at XXXX in the bank and told me to call the XXXX number XXXX for the other XXXX. They denied me the refunded charges after rectifying the issue and being promised a full refund when I call in.

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 2025-06-04 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: CA

Complaint narrative:
Im writing to formally dispute a credit inquiry listed on my report that I did not authorize. After reviewing my credit file, I noticed a hard inquiry on my account without my permission.

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 2025-06-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXX'PHH mortgage loan number XXXXPHH mortgageXXXX Insurance Dept. XXXXInsurance Phone XXXX XXXX XXXX XXXX XXXX XXXX I sent copies of my property insurance declaration page to PHH mortgage and although I received a  confirmation email, today I was told by an agent PHH never received anything from me. XXXXf I am not able to provide proof I paid then they will automatically install a property insurance company of their choice to cover the home. I PAID MY INSURANCE BUT AND SENT A DECLARATION PAGE BUT THEY ARE SAYING I NEVER SENT THEM THE EMAIL WITH THE ATTACHMENT! XXXXI sent it XXXX  more times, but every agent for PHH insurance department agent  says no emails have been received.  That was AFTER being Given the exact address to send it to buy PHH mortgage INSURANCE  department telephone agents.   \n\nWhen I was checking I had sent it to the correct address I discovered all the emails had the exact correct address entered BUT they are all DIVERTED TO be sent to to An ADRESS READINGXXXXSo no one receives any email from me.XXXXThis appears fraudulent and I am very concerned it is happening to tens of thousands of PHH customers. XXXXI had to stay on the phone many hours until one agent promised to handle the situation and call XXXX insurance company herself and said she will contact me by phone - as the department was closed today and she couldnt complete verification!'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
On XXXX XXXX XXXX XXXXXX/XX/XXXX, I phoned in at XXXX XXXX XXXX to the collection agency named : Source Receivable Management, located at XXXX XXXX XXXX XXXX XXXX XXXX  at telephone number : XXXX. A XXXX XXXX picked up, with the XXXX seconds I asked her to be kind with me, and she was the total opposite being abrupt, disrespectful and hung up on me without letting me finish the call. 

I at least managed to get this rude woman named XXXX XXXX to tell me what the XXXX {$120.00} collection was for. She breaks it down as follow : Phone bought on XXXX XXXX XXXX  Phone returned on XX/XX/XXXX {$35.00} activation fees {$63.00} private monthly service {$24.00} late payments Totaling {$120.00} XXXX then was explaining to her that I went to the XXXX in person over at XXXX to tell them my the XXXX app in the phone wasn't allowing me to access my online banking like all my other phones do. That the glitch in the new phones out on XXXX XXXX wouldn't work. So, the XXXX XXXX employee tried troubleshooting the phone for over an hour. They even made me call my bank. I did and the employee refused to speak to the bank representative. Then she got frustrated and left me all alone to attend another customer and another employee stepped in. Then the other employee got frustrated too because he didn't know how to troubleshoot the phone after another hour, to then get really upset blaming the phone glitch was my fault but i kept taking the abused because I really loved the phone and the special of free XXXX XXXX  by switching to XXXX 

In summary, I was so humiliated at this XXXX  store, the lack of respect, humiliation in FRONT OF OTHER CONSUMERS I REQUESTED A XXXX. THE XXXX INVITES ME TO HIS COUNTER, I EXPLAINED THE ABUSED AND TOLD THE XXXX I COULD NOT HAVE A XXXX  COMPany abused me mentally. I want out. So, he was apologetic the XXXX with an interesting XXXX or XXXX last name and he said that he was WIPING MY XXXX account to XXXX. But, collections after me now after a year

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been affected by the data brench my information has been exposed by Equifax and XXXX. 

15 usc 1681c 2 If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. 

This conduct is in direct violation of federal law and my consumer rights. The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 

Under 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance. 

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations. 

You are hereby given XXXX days from the date of this letter to provide the following : XXXX. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; XXXX. A comprehensive outline of the investigation performed, detailing each step taken ; XXXX. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; XXXX. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. XXXXi ( a ) ( XXXX ). 

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. XXXXn for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: WI

Complaint narrative:
I am disputing the XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is being reported as a charge-off on my credit report. After carefully reviewing the information, I found multiple inaccuracies, and I have not received any supporting documentation or verification from the creditor that justifies the reporting of this account. 

I am requesting a full investigation, and if the creditor can not provide proper verification such as the original contract, a full payment history, and any documentation supporting the current balance I respectfully request the removal of this account from my credit report.

To support my identity and this claim, I have attached the following : - A copy of my government-issued ID - A recent utility bill showing my current address - A copy of my credit report showing the disputed account - A copy of the letter I sent to the credit bureaus Please review this case thoroughly. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Fair Credit Billing Act ( FCBA ). I expect this matter to be handled promptly and fairly.

Thank you for your time and attention.

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 2025-06-04 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: WI

Complaint narrative:
I am disputing the XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is being reported as a charge-off on my credit report. After carefully reviewing the information, I found multiple inaccuracies, and I have not received any supporting documentation or verification from the creditor that justifies the reporting of this account. 

I am requesting a full investigation, and if the creditor can not provide proper verification such as the original contract, a full payment history, and any documentation supporting the current balance I respectfully request the removal of this account from my credit report.

To support my identity and this claim, I have attached the following : - A copy of my government-issued ID - A recent utility bill showing my current address - A copy of my credit report showing the disputed account - A copy of the letter I sent to the credit bureaus Please review this case thoroughly. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Fair Credit Billing Act ( FCBA ). I expect this matter to be handled promptly and fairly.

Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: LA

Complaint narrative:
Im writing to formally dispute a credit inquiry listed on my report that I did not authorize. After reviewing my credit file, I noticed a hard inquiry on my account without my permission.

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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was informed I XXXX XXXX XXXX has unclaimed funds from Wells Fargo bank that was sent to Alabama unclaimed funds Dept, I am trying to reach out in order to claim these funds XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Alabama  State ID XXXX Alabama DL # XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX This is a old address in which I do not reside any longer my current mailing address is ( XXXX XXXX XXXX XXXX Al XXXX ) My physical address is XXXX XXXX XXXX XXXX Al 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
Complaint Summary for Caine & Weiner ( XXXX XXXX ) ( Acct ending in XXXX ) : This complaint concerns inaccurate reporting by Caine & Weiner ( XXXX XXXX  ) on my credit file under account number ending in XXXX. The following issues were identified : - Collection account opened without providing debt validation, violating 15 U.S.C. 1692g.

- No payment activity or investigation results, despite continued negative reporting.

- Potential reporting past the allowed time frame or without updated account status.

These issues violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( reinvestigation ), 1681e ( b ) ( accuracy ), and 1681c ( reporting periods ). In some cases, 15 U.S.C. 1692g also applies.

I am requesting the removal of this inaccurate information and am demanding {$1000.00} in statutory damages under 15 U.S.C. 1681n for willful noncompliance. This letter is supported by an attached PDF documenting the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: GA

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 explanation
Consumer complaint received 2025-06-05 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: GA

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 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is not a misunderstanding my credit report contains clear inaccuracies that do not meet the standard of maximum possible accuracy. These errors are causing serious and ongoing harm during an already difficult time. I urge you to correct or remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
Hi my name is XXXX XXXX XXXX and I have reached out to the credit bureaus multiple times regarding the fraudulent accounts on my credit profile but they have failed to properly investigate my disputes. They have not take sufficient steps to intake, process, investigate, and notify me about my disputes, resulting in the inclusion of incorrect information on my credit reports. The inaccurate or false information on my reports has threatened my access to credit, and housing. The fraudulent accounts I have disputed countless times directly with the bureaus are : XXXX opened XX/XX/XXXX with a reported balance of {$9900.00} ; XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a reported balance of {$0.00} ; and XXXX opened XX/XX/XXXX with a reported balance of {$0.00}. I have a right to a correct credit profile according to the FCRA and it has gotten to the point that I am prepared to take legal action if this matter is not resolved immediately. I have included my identification and a copy of the police report that I have already sent to the bureau. Thanks XXXX XXXX XXXX SSN Last 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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Subject : Request for Reinstatement of Stolen Funds under Regulation E Dear Regions Bank, I am writing to formally request the reinstatement of funds that were wrongfully debited from my account, in accordance with the provisions of Regulation E under the Electronic Fund Transfer Act. I believe these transactions were unauthorized and were made without my knowledge or consent.

The details of the unauthorized transaction ( s ) are as follows : * Transaction Date ( s ) : XXXX * Amount ( s ) : Around {$9900.00} I promptly reported the unauthorized transaction ( s ) to your customer service department. Under Regulation E, I understand that I am entitled to have the unauthorized charges reversed within 10 business days, pending the outcome of your investigation. 
As the transactions in question were clearly unauthorized, I am requesting that Regions Bank fully reinstate the stolen funds to my account. I expect this process to be handled in compliance with the relevant regulations, and that the funds will be restored within the statutory timeframe. 
Please provide me with a written acknowledgment of the receipt of this letter and the status of your investigation as soon as possible. Should you require any further documentation or information from me, please do not hesitate to contact me. 
Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this issue. 
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 explanation