vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Account name RADIUS GLOBAL SOLUTIONS Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$71.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$71.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$71.00} Highest balance - Terms 1 Month On record until XX/XX/XXXX This debt was originally from XXXX XXXX for {$59.00} which is still on my credit which was sold to another debt company, and this company is a completely different company trying to collect the same debt which has already been written off years ago. I contacted the company and disputed the charge which has still not been removed off of my credit. I told them that they can not collect a second amount which is higher than the original debt and then starting to put it in collections on my account as a whole other debt when its XXXX debt put on my credit as XXXX. on the same account its {$59.00} debt which they increased to {$71.00} which is all my account and credit which should not be there because the {$59.00} is already still there. When I contacted the company at first, they stated they could not find the debt when I continue to speak to them. They found it that stated that they dont know and they all start a dispute. However, I still see it on my credit, nothing has been changed. XXXX asking for them to remove it completely because this is not Legal. Due to illegal use XXXX asking both be removed off all three credit bureaus XXXX XXXX XXXX XXXX XXXX. Very expeditiously seeing as though you guys can not make a call of good actions trying to collect money that is not owed to you is a disgrace. Praying on peoples accounts. I contacted them, asked for a dispute. However, I highly doubt they corrected it. Seeing they commit fraud by adding an invisible debt and adding it to collections like a new debt when it is clearly not!

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 2025-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a purchase on XXXX  in XX/XX/year> for {$44.00}. The order number was XXXX. Several days later I received a usps shipment label by email. Order tracking number : XXXX. Ive sent several emails requesting updates and the eventually a refund, but no response from XXXX. I notified my bank Capital One about this matter and I was given a temporary credit. They later reversed the credit stating the company never responded. Today I went to the XXXX XXXX website and noticed a different email address. I sent an email to XXXX informing them of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Account reporting by XXXX for {$700.00} causing negative effect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am filing this complaint to dispute the reporting of a charged-off account on my credit report. The account in question was reported as charged off by Suncoast Credit Union, but I believe this reporting is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). I have not received proper documentation validating the debt or confirming that the charge-off status was reported correctly. Additionally, the creditor has failed to provide evidence that the account was lawfully charged off and that the balance reported is accurate. I am requesting a full investigation into this matter and correction or removal of any inaccurate or unverified information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Diamond Finance LLC
State: MO

Complaint narrative:
On XX/XX/XXXX I started a lease with Diamond Finance from XXXX XXXX XXXX XXXX. During the first week of purchase I had to take vehicle back due to issues with the vehicle. I called and notified them of it vehicle lock outs, key fobs wasnt working. Breaks were screeching in which they did not resolve the issue after telling me to bring car back. Moving forward by XXXX the engine light pops on, I tried to take vehicle back within 30 days of purchase and they told me no even reprimanded me about mikes driven on the car which had no relevancy to the issue of me wanting to return vehicle. From XXXX until end of XX/XX/XXXX the car was then taken back to the lot and placed into the auto repair shop of theirs, I continuously asked for a loaner car even while paying the full lease payments. They gave me a car that was NOT a vehicle that matched what I was paying for a which was a XXXX mirage and my leased vehicle was a XXXX XXXX encore Gx. I explained to them my family could not fit in this vehicle and time after time they did nothing. Fast forward to XXXX I kept calling and calling asking about my leased vehicle they never produced timeframes for when XXXX be done they claimed to have replaced the motor and transmission to which the ENGINE LIGHT was still on after receiving my car back FINALLY. The car would shut off and would not allow me to start it time after time and EACH TIME I called them to report the issue and they provided no solution. In XXXX after tirelessly complaining with no help from their end I took back the vehicle. 

The vehicle is sitting on my credit report NOT reporting but just sitting and it has caused me to not be able to purchase a vehicle for my family. XXXX start auto plaza has completely ruined my chances of improvement in life due to them selling a faulty car and not resolving the issue. They have since resold the vehicle to someone else. Sad I KNOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
They or your company has received a validation of debt since XX/XX/year>. They or your cobenny does not have legal authority to collect, nor does it have authority or consent to enter into my credit profile. The the information entered there. Is considered fraud illegal use of my social security and name mail fraud\n And I have filed a sheriff 's report\n To reflect. The Sheriff report number.It is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have XXXX transactions on XXXX account and XXXX on another account I have with chime bank this was on my XXXX  debit card. XXXX has a XXXX liability policy for unauthorized charges and requires bank to give money back into your account within XXXX business days. Of course chime is not following visas policy which they are backed by visa, and XXXX both of which do not respond to my inquiries as well as chime Chime XXXX service is overseas and they do not understand what you are saying. Its over {$4000.00} and this money was for my deductible so I can have XXXX for XXXX XXXX. I was forced to reschedule as result of this. I would like you to contact XXXX chime and visa regarding this matter please. I had to appeal the decision with chime XXXX in less than 7 days they denied claim and I know it was not properly investigated as I have proof my phone was stolen I was out of state all of this occurred and my proper name was not even being used. The most authorized charges all occurred on XXXX and there was no fraud alert placed in my account which I still do not understand. I never made purchases XXXX with XXXX and it was far from my typical spending no pattern. Be careful with XXXX and chime bank that is my advice. Both do not follow protocol

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 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: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 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: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I received a statement from this credit card company with a fee charge of {$170.00}. I called them to tell them I did not apply for this card and may be a victim of identity theft. 
I had to provide them the last 4 of my social and my name and date of birth. I don't like giving that information, but they said that was the only way they could identify my account. 

I am waiting for the documents they are sending me to file identity theft claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MN

Complaint narrative:
I attended XXXX XXXX college located in XXXX XXXX KS in 2011-2012 and again 2015- 2016 the school permanently closed XXXX of 2016. I am requesting to have those loans and grants removed from my account.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: FL

Complaint narrative:
This account was incorrectly reported as closed, then reopened. It was active and in good standing the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I did an early termination to my lease with XXXX XXXX XXXX XXXX. Via electronic communication with the property manager, he verified that the security deposit of {$2600.00} would cover any outstanding balances. I later received a call stating I had a credit for {$400.00}. I moved out of the property which was left immaculate and reached out concerning the credit. The property manager engaged in electronic communication threatening to send me to collections and ruin my credit. I later received a balance notice with no itemization. It was later sent to Southern Management Service/ Services Inc. collections agency in the amount of {$3000.00} When I contacted them to obtain the information and explain I didnt owe the debt. I was told that if I did not send a notarized letter stating I am not seeking legal counsel I will not receive information nor would they collect payment in the event I decide to settle but attempt to sue later. I would have this on my credit report and would be unable to rent anywhere. I asked for their names the times that I called and they would not provide names.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, Suncoast Credit Union improperly deposited a {$37000.00} check made payable to XXXX XXXX XXXX into my XXXX XXXX XXXX XXXX XXXX account. When I filed a fraud affidavit to report this error, branch XXXX XXXX XXXX notarized the document herself. 

However, when law enforcement contacted Suncoast about the matter, bank representatives falsely told XXXX XXXX XXXX that they never received my fraud affidavit. This deliberate false statement to law enforcement was made despite Suncoast possessing the original document notarized by their own employee. 

This false statement caused me to be threatened with arrest within XXXX hours and subjected me to criminal investigation for fraud that I did not commit. The banks error was compounded by their deliberate deception of law enforcement. 

As a certified government XXXX, these false fraud allegations have severely damaged my business reputation and ability to secure contracts. The banks conduct violates multiple federal banking regulations and consumer protection laws. 

I am seeking investigation of Suncoasts practices and appropriate regulatory action to prevent similar misconduct toward other customers.

Desired Resolution : Full investigation of Suncoasts customer complaint procedures Regulatory action to prevent false statements to law enforcement Compensation for damages caused by their misconduct Implementation of proper oversight procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 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: Applied Data Finance, LLC
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my second report, part of transunion hack in every aspect of my life and wont leave me alone non stop I think I could die. My XXXX XXXX is way up. Please find them. I walk around in confusion. I am very sick. In my credit bureaus, making spoof accts in my name, harassment. Non stop all my emails, broke my computer

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 2025-10-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX phone call to CAPITAL ONE/KOHLS XXXX XXXX This company is currently reporting a negative late payment to the three major credit bureaus ( XXXX XXXX XXXX , and XXXX ) regarding the below referenced account. Per my conversation with the representative on XX/XX/XXXX, and based on my recollection and my records, I can find no reason for reporting such a history. 
I am writing to dispute a late payment on my credit reports reported incorrectly. This late payment is a billing error, as I have always paid on time, which is a violation of the Fair Credit Reporting Act, 15 U.S. Code 1666b. 
The account in question is : Account Name : CAPITAL ONE / KOHLS XXXX XXXX Date of Alleged Late Payment : XX/XX/XXXX As of today, the late payment continues to erroneously appear on my credit reports and my card balance is {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with convenience check
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PayPal Credit sent me two unsolicited convenience checks that I never requested. My wife unknowingly deposited and used the funds. The total amount now being charged to my account is {$2100.00}. 

I had previously closed my PayPal Credit account in good standing with a XXXX balance and could not access it after closure. PayPal Credit then reopened the account without my authorization and added this balance. 

I contacted PayPal Credit previously to report the issue before I had know that my wife had cashed these checks and asked for an explanation, but they did not provide one and refused to resolve the balance. No written documentation was provided, and I still do not know why the checks were sent. I am requesting a fair review and resolution of this matter.

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 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I requested a balance transfer from my U.S. Bank credit card to pay off my XXXX XXXX XXXX balance. 
The payment was sent by check, and U.S. Bank confirmed the check number and the date when the funds were withdrawn. 
However, the funds never reached my XXXX XXXX XXXX account. 
When I contacted XXXX ( the company previously believed to manage the XXXX XXXX XXXX ), they said they could not locate the account or provide assistance without a valid credit card number. 
Later, I learned that XXXX XXXX XXXX does not accept balance transfers at all. 
I would like clarification on where the funds were sent, and I request a refund or resolution of this transaction.

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 2025-10-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear XXXX Support, I am writing to formally request the closure of my XXXX account associated with the email address XXXX While I appreciate the intent behind your credit-building services, Ive determined that this account is negatively impacting my credit profile by appearing as a newly opened tradeline. This shortens my average credit age and detracts from the strength of my established credit history. 

Please confirm that : My account will be closed in good standing. 
No further payments or reporting will occur. 
The account will remain on my credit report as a closed account with positive payment history. 
I would appreciate written confirmation once the account has been successfully closed. If any additional steps are required on my end, please advise. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX XXXX XXXX response is attached agreeing to remove from 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 2025-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was told I was approved for a loan of XXXX by a company called Avant Loans, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. Their email is XXXX and the phone number is XXXX. I was sent the loan agreement from a male who called himself " XXXX ''. He told me the funds would be delivered via EFT transfer, he then states that the best option for me is to get a " insurance secured loan '' that would issue me a policy for protection in case of emergencies ( life events ). In order to get the insurance loan, he stated he would send over about {$760.00} and I need to go to XXXX and pay for the policy there. He texted me a barcode to scan for money services at XXXX. Well, the code worked and he asked for receipts. I was then told I was be sent the {$3000.00}. Of course the money was never received and my account was negative the $ XXXX they did send the next day. I called him out this was a scam afterwards and he kept texting me to calm down.

Company response to consumer: Closed with explanation