vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 ) ( 1 ) 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.

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 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Radius Global Solutions Attn : XXXX Department Re : Account # XXXX Dispute and Cease Communication To Whom It May Concern : I am writing to formally dispute the above-referenced account. I do not owe any debt to Radius Global Solutions., and I refuse to pay any money on this alleged account. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full debt validation. Until such validation is provided, you are required to cease collection activity. 

Additionally, I demand that you cease all communication with me regarding this matter unless it comes directly from XXXX XXXX ( XXXX ). Any further contact from your company that does not comply with the FDCPA will be documented as a violation. 

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 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
XXXX XXXX and its agents have engaged in improper and unlawful conduct related to an alleged credit card account, including harassment by telephone, failure to validate an alleged debt, improper sale or assignment of the account, and continued inaccurate credit reporting. 
The consumer is a California resident and never voluntarily provided her personal contact information to any third-party debt collector. Despite this, repeated telephone calls have been made, constituting harassment and unlawful communication under federal law. 
At the time the credit card account was opened, the consumer provided valid Georgia identification, and no subsequent consent was given for third-party collection contact or data sharing beyond lawful servicing. XXXX XXXX failed to properly validate the alleged debt prior to sale or assignment and failed to provide competent documentary evidence establishing the accuracy, legal status, or enforceability of the alleged obligation. 
XXXX XXXX proceeded to sell or assign the account without first providing validation, and collection activity began despite the debt being disputed. This conduct violates consumer protection statutes, including but not limited to : FDCPA 15 U.S.C. 1692d Harassment or abuse by repeated phone calls FDCPA 15 U.S.C. 1692c ( a ) ( 1 ) & ( c ) Unlawful communication and failure to cease upon notice FDCPA 15 U.S.C. 1692g Failure to validate debt prior to collection FCRA 15 U.S.C. 1681s-2 Furnishing inaccurate or unverifiable information TILA 15 U.S.C. 1601 et seq. Failure of material disclosure and accounting accuracy XXXX XXXX  actions resulted in inaccurate and harmful credit reporting, continued harassment, and improper third-party involvement without lawful consent or validation.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We tried to make a series of large payments for childcare in XX/XX/year>. The payment processor used by the childcare facility failed multiple times. This resulted in multiple additional charges. We complained to both our bank and the childcare facility. Both businesses refunded the charges. Four of the charges that were refunded were duplicates. In this instance my bank recharged us and submitted payment to the childcare facility. The childcare facility claims never to have received these funds.

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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Square , Inc. for wrongful account termination and improper withholding of cleared funds associated with a legitimate XXXX transaction. 

I have maintained a Square merchant account since XX/XX/XXXX, operating a registered travel agency that also provides professional chauffeur services. Throughout my entire relationship with Square, I have never had a dispute, chargeback, reversal, or customer complaint. 

Transaction Timeline Payment Method : XXXX Customer Payment Date : XX/XX/XXXX Funds Fully Cleared : XX/XX/XXXX Square Account Terminated : XX/XX/XXXX The transaction in question was lawfully authorized, successfully processed, and fully settled before Square terminated my account. There was no fraud alert, return, dispute, or reversal associated with this payment. 

At Squares request, I provided full documentation, including proof of service, customer authorization, and transaction legitimacy. Despite this, Square proceeded to terminate my account and continues to withhold the cleared funds, without providing a clear contractual or legal basis for doing so. 

Primary Issues 1. Square is withholding funds that were already settled and cleared, eliminating any reasonable risk justification.

2. Square has failed to identify a specific policy violation that would justify continued retention of these funds. 
3. I was not provided meaningful due process, transparency, or an opportunity to correct any alleged issue.

4. The continued hold on funds has caused direct financial harm to my business and appears inconsistent with fair merchant practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I deposited XXXX dollars on the XXXX of XX/XX/year> dollars on the XXXX of XXXX paid a bill XXXX transferred XXXX to XXXX XXXX deposited XXXX dollars on the XXXX XXXX paid a bill XXXX dollars....... XXXX dollars in since the XXXX XXXX my account was not overdrawn XXXX dollars paid out since the XXXX of XXXX my balance should be XXXX dollars my balance is only XXXX dollars and I would like to know why and Noone will contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
A debt collection company has been contacting my family and sending me voicemails threatening to show up to my job, my house, or my family members house to find me to take me to court or jail. My parents were very worried and sent me the voicemail they sent them. When I contacted the company back I asked them what their name was to which they just kept stating they are a debt collection company and they were contacting me on behalf of Acima. I knew Acima because I had prior dealings with them, but when asked why Acima hasn't tried contacted me first, they stated last contacted me in XXXX. When I looked at my old statements with Acima they were still sending me messages in XXXX. I told the debt collection company about this but they told me they weren't sure why that was and stated they were going to proceed with taking me to court unless I paid. Panicked I told them I didn't have the money and they insisted if I didn't pay anything today I would be found. So, they told me I had to pay {$850.00} to avoid this. I paid them on XX/XX/XXXX at XXXX. I asked for a receipt to which they told me I would get XXXX after the call but I did not receive XXXX. When I looked at my bank statement the order was processed as XXXX XXXX XXXX XXXXXXXX XXXX which did not make any sense because my dealings with Acima were for a phone and not for Healthcare . This is when I noticed this had to be a scam. I contacted the company XXXX XXXXXXXX and they told me they do not send debt collectors and this was not processed by them and that apparently this sort of things happens all the time under their name. I also contacted my bank the same day to hopefully cancel this payment before it processed and the bank did, but then I woke up the next day and saw my account was $ XXXX I called my bank back and they said apparently the company had charged my account twice even though they cancelled the payment. When I put in a formal report the bank said they could not fix this issue. So now my account is reading as XXXX. I cancelled my card and registered for a new card but my account is still messed up from what they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
From XX/XX/year> - XX/XX/year>, I was staying at XXXX XXXX XXXX in XXXX, XXXX. The hotel required guest to use a parking service ( valet ) to park the car. I was using a rental car through XXXX XXXX XXXX. I paid the service company directly through their app, not the hotel. Again, this was not an option. The parking garage used, charged a fee for not paying for parking. Without notifying me, XXXX paid the fee directly and charged my credit card. I disputed the charge, since it should have never been charged. I provided documentation to XXXX and, at XXXX 's direction, I filed a dispute with XXXX XXXX. The dispute was rejected from XXXX  XXXX, because the car was not mine and XXXX had paid the fine. I advised XXXX that they would have to file the dispute with XXXX XXXX. I never heard back from budget, until I received a letter from Transworld Systems XXXX XXXX A debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Block, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX I made a online purchase for a package of XXXX count XXXX toilet tissue and a XXXX pack of bar soap in which the total purchase order for XXXX services totaled {$44.00}. I made this purchase with my CASH APP CARD THAT I HAVE HAD SINCE XXXX OR SO WHEN MY SON USED TO SEND ME MONEY THROUGH THE CARD WHEN I NEEDED EXTRA MONEY FOR THE MONTH DUE TO A MEDICAL ISSUE THAT I HAVE WITH DECREASING XXXX XXXX XXXX XXXX MY SON RAN UP A HORIZON COMPANY BILL BACK AT XXXX WHEN IN HIGH SCHOOL WHEN HE HAD ME SIGN FOR A CONTRACT WITH THE HORIZON STORE FOR A USB INTERNET SERVICE THAT WE BOTH APPARENTLY DID NOT UNDERSTAND BECAUSE THEY HANDED ME A BILL FOR XXXX WHEN MY SON WENT OVER THE ALLOWANCE FOR THE SERVICE. I TOOK MY THEN TAX CHECK AND PAID THE XXXX OFF. SINCE THEN MY SON SEND ME MONEY THROUGH THIS APP WITH HOPES OF PAYING MY MONEY BACK. I DO NOT THINK I WILL OBTAIN ALL OF THE MONEY BUT I DECIDED TO TRY TO USE THIS CASH APP CARD FOR BASIC HOUSEHOLD NEEDS LIKE PRINTS FROM OFFICE STORE PRINT STORES ... DUE TO FINDING THAT I HAVE XXXX CARD THAT HAS A CHIP THAT WILL NOT WORK ON XXXX XXXX STORE PRINTS COPIER MACHINES WHICH IS WHERE I PATRONIZE OFTEN FOR PRINTING NEEDS AND PURCHASING LARGE CONTAINERS OF SOFT MOISTERISING SOAP. I THEN FELT THAT MAYBE THIS CASH CARD THAT DOES HAVE A CHIP MIGHT BE GOOD TO USE FOR ONLINE XXXX PURCHASES AS WELL. 


I PLACED MY ORDER ON THIS DAY OF XX/XX/XXXX, AND SINCE THEN THE PURCHASE IS STILL KN A PENDING STATE. I HAVE CONTACTED THE CASH APP SUPPORT ON THE ISSUE BUT NOT XXXX BECAUSE I DO NOT UNDERSTAND WHO TO ASK QUESTIONS TO. 

Please by all means if you need detail about the cash app account number allow me to apply the information to this office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
On or around XX/XX/2025 i received an email from XXXX to increase my credit limit, I ignored the email. Within about an hour i received an email stating that i was not approved for the increase. I tried to get this corrected, but there's no help. 
I spoke to different supervisors and no one fixed this, i have called them multiple times and received limited assistance. 
I also spoke to them about their benefits because I have credit protection benefits and i am unemployed. The XXXX USA service center supervisor and the Corporate office supervisor, implied that i should apply for state XXXX so that my benefits can continue to pay my card. I informed them that i don't have a XXXX, and they said oh we were just saying that would allow an extension, I have recorded conversations and a lot of emails. I will upload as much as i can. One of the supervisors XXXX XXXX, couldn't even follow up like he promised. If you need more emails or the recorded calls, let me know where i can email them. The files are too large to upload

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Account was closed with no explanation and money still in it that the bank kept and said was needed to cover an overdraft, that was never brought to my attention when Inasked why it was closed they wouldnt state why and kept my funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am unable to verify my Cash App account despite multiple attempts and assistance from support. Chat support reset the verification process for me, but when I entered my Social Security number it was incorrectly rejected. I then entered my correct legal name and date of birth, and the app repeatedly displays couldnt verify your information. 

This error occurs consistently and prevents me from completing verification. I contacted phone support, but they stated they can not assist with verification issues and redirected me back to chat support, which has not resolved the problem. 

The error appears to be a system or backend issue rather than incorrect information. I am requesting a manual review and resolution so I can verify my account and fully access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
DEBT VALIDATION LETTER XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX RE : Validation for Account No. ( XXXX ) To Whom It May Concern, This letter is in response to your contact email on XX/XX/year> at XXXX about the alleged Debt AFFIRM you have identified. This is neither an acknowledgement of debt nor refusal to pay, but a notice to request validation. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe to you. this is not to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. Please provide the following alleged information to me within ( XXXX ) days from receipt of this letter. * Creditors Name and Full Address * Name of Debtor of Record * Full Account Number * Amount of Debt * Due Date Of Debt * Original Charge Off or Delinquency Date * Explanation on how the Debt was Calculated * Evidence that the debt is within XXXX 's applicable Statute of Limitation * Name of Collection Agency or Owner of the Debt, If applicable * Amount Paid if Debt was Purchased * Complete and Executed Agreement, including Signature Pages, for the Debt Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC
State: MI

Complaint narrative:
Back in XXXX we were told we would be put on a deferment/extension until our solar panels were fixed because since we got them in XXXX through power home solar they have not worked properly. Back in XXXX we were put on this deferement plan which was supposed to last until generac came out to fix the panels. XXXX lied and closed the ticket saying they were fixed when they never were. Since then we have been harassed by goodleap and told multiple things from multiple different people. XXXX forward to XXXX of XXXX. The week of the XXXX we started receiving multiple calls from their collection agency. I spoke with someone regarding the deferment on the XXXX who stated he could see that it was still active from XXXX of XXXX and that he would send me an email because he was confused as to why I was receiving calls from collections. I spoke with someone else on the XXXX after receiving XXXX calls from their collection agency and she also stated she would email me. I never received an email and they keep calling. I receive anywhere from XXXX calls a day from the collection agency and also have been after XXXX my local time. Today I spoke with someone from their collection agency and told him that we have been receiving more than XXXX calls in 7 days and sometimes more than XXXX calls in a day, as well as calls after XXXX. I told them I no longer want them to call more than once in a day. The gentleman I spoke with today stated they do not have to adhere to the federal law, pretty much said they can call how many times they want and whenever they want. He said these laws dont pertain to them. I eventually got upset and hung up because he kept doing his form on circular reasoning. I would like this company to stop calling multiple times in a day, stop calling on sundays, and stop calling after XXXX but they will not listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with non-monetary relief