vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to report continued violations of the Fair Credit Reporting Act by consumer reporting agencies and data furnishers who have failed to properly investigate and correct inaccurate information on my credit report. I have disputed these items multiple times directly with the credit bureaus. This complaint concerns the same unresolved accounts and inquiries that remain inaccurately reported despite my prior disputes. 
XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX {$300.00} XXXX XXXX status is inaccurate. I have never made a late payment on this account. The payment history is being reported incorrectly and must be corrected to reflect an accurate and complete history as required by law. 
XXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$700.00} Late Payment status is inaccurate. I dispute the reporting of late payments on this account as false. I am requesting correction of the payment history only, not deletion, pursuant to the FCRA accuracy requirements. 
XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$12000.00} Charge Off. I have no knowledge of this account. I did not authorize this account, nor do I recognize the balance or charge-off status. You must conduct a lawful investigation and delete this account if it can not be fully verified. 
PRO COLLECT XXXX Date Opened XX/XX/XXXX XXXX XXXX {$950.00} XXXX. I have no knowledge of this alleged debt. This account is unverified and improperly reported. Continued reporting without validation violates the FCRA and requires deletion. 
XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$7900.00} Collection. I dispute this account in its entirety. I have no knowledge of this debt, and no lawful verification has been provided. This account must be deleted if verification can not be produced. 
XXXX XXXX XXXX dated XX/XX/XXXX was made without my authorization and must be removed. 
XXXX XXXX dated XX/XX/XXXX is duplicated and unauthorized. 
XXXX XXXX XXXX dated XX/XX/XXXX is unauthorized and improperly reported. 
XXXX XXXX  XXXX dated XX/XX/XXXX is unauthorized and disputed. 
Despite multiple disputes, these inaccuracies remain on my credit file, demonstrating a failure to conduct a reasonable investigation as required by federal law. I am requesting CFPB assistance to ensure that the credit reporting agencies and furnishers comply with the Fair Credit Reporting Act by correcting inaccurate payment histories and deleting all unverified accounts and unauthorized inquiries immediately.

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 2025-12-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
A medical debt is being reported by Radius Global Solutions for services rendered to my minor child who was actively covered by XXXX at the time of service. 
The provider failed to properly coordinate benefits and did not bill XXXX on date of service which was. XX/XX/XXXX. Under XXXX rules, balance billing is prohibited, and patient responsibility is inaccurate. 
I requested debt validation from Radius Global Solutions and did not receive proper written validation. Despite this, the account continues to be reported on my credit. 
This is inaccurate medical debt reporting and improper collection activity. I am requesting deletion of the tradeline due to lack of valid patient responsibility. 

The hospital will not assist as of today XX/XX/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 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-29 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: MS

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management sent me a letter stating that I owe a debt of {$17000.00} with the original creditor by the name of " XXXXXXXX XXXX XXXX XXXX ''. This is a scam. I did some investigating online, and many other people have had the same exact experience. 

They receive harassing calls for debt, ask the would-be-victim to verify personal identifiable information as a security measure so they can " make sure they are talking to the right person. ", they receive letters titled " pre-legal notice for non-payment of debt '' with attempts to establish a structured payment for a debt they do not recognize. Investigate these fraudsters and throw them under the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a follow-up complaint regarding [ XXXX XXXX XXXX / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === CHARGE OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I have disputed this account multiple times over the years with it just updating as verified with no verification given. This is not my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting for the account listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX, reported as a charged-off credit card account. 

This account was sold or transferred without my knowledge or consent, and I was never notified, provided validation, or entered into any agreement with the alleged purchaser, including Resurgent. Despite this, the account continues to be reported with a charge-off status and inconsistent payment history. 

The tradeline contains material inaccuracies, including unclear ownership, missing original creditor information, improper delinquency progression, and reporting a {$0.00} balance while maintaining a charge-off. This reporting fails to meet the Fair Credit Reporting Acts requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This account has been previously disputed, yet Bank of America continues to furnish materially inaccurate, contradictory, and factually impossible information, resulting in ongoing consumer harm.

GROUNDS FOR IMMEDIATE DELETION 1. Conflicting & Duplicate Tradeline Reporting Bank of America is reporting multiple versions of the same account with irreconcilable differences, including but not limited to : One tradeline reporting a credit limit and high credit of {$0.00} Another tradeline reporting a credit limit and high credit of {$3500.00} One tradeline reporting 50 late payments, while another reports 0 late payments Conflicting account types and reporting periods for the same obligation These contradictions violate FCRA 623 ( a ) ( 1 ) ( A ), which requires information furnished to consumer reporting agencies to be complete and accurate.

2. Factually Impossible Balance & Utilization Reporting Bank of America is simultaneously reporting : High Balance : {$0.00} Current Balance / Amount Past Due : {$6500.00} Utilization : 187 % A high balance of {$0.00} can not produce a charged-off balance or over-limit utilization. These data points can not logically coexist and render the tradeline factually impossible.

3. Contradictory Delinquency History Bank of America reports multiple, conflicting delinquency histories for the same account, including : 130 / 460 / 5090 days late on one tradeline 030 / 060 / 090 days late on another Statements indicating 0 % of payments were made on time These reporting claims can not all be true simultaneously, violating accuracy and completeness requirements under the FCRA.

4. Illegal Monthly Charge-Off Reporting ( Re-Aging ) The account is reported with monthly Charge-Off status continuing through XXXX and XXXX, despite last activity occurring years earlier. 

A charge-off is a one-time accounting event, not a recurring monthly status. Continued reporting in this manner constitutes illegal re-aging, prohibited under : FCRA 623 CFPB guidance Metro 2 reporting standards 5. Failure to Correct After Prior Dispute The tradeline reflects that a prior dispute was marked as resolved, yet all material inaccuracies remain.

This demonstrates a failure to conduct a reasonable reinvestigation, in violation of FCRA 623 ( b ).

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 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I looked at my XXXX XXXX XXXX  TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding the handling of an FHA-insured mortgage and loss mitigation by my servicer, Village Capital .

I applied for and was approved for an FHA COVID Recovery Modification. At no point did I withdraw, refuse, or decline participation in the COVID Recovery Modification process. I understood the modification to be approved and pending finalization.

Village Capital is now asserting that the COVID Recovery Modification was cancelled on or about XX/XX/year>, allegedly due to documents being not signed properly. I dispute that this constitutes a valid or lawful cancellation under FHA loss mitigation requirements. 



Specifically, I was not provided with a meaningful opportunity to cure or re-execute documents, nor was I provided with clear proof of delivery of the alleged cancellation notice. The reason cited appears to be a technical execution issue, not borrower refusal or ineligibility. I did not receive clear guidance, follow-up, or corrective instructions prior to the servicer treating the approved modification as cancelled.

Village Capital is now pressuring me to accept or decline a separate 30-year modification with a Trial Payment Plan ( TPP ). I am concerned that this request is being made while the status of the previously approved COVID Recovery Modification remains disputed and unresolved. I am also concerned that accepting the TPP may require waiving rights related to the prior approved modification.

I have requested written documentation supporting the cancellation, including the regulatory basis, proof of delivery, and confirmation of HUD involvement or approval. To date, I have not received adequate documentation establishing that the COVID Recovery Modification was properly cancelled in compliance with FHA requirements.

This complaint concerns potential servicing errors, improper handling of FHA loss mitigation, failure to provide cure opportunities, and pressure to elect an alternative option while a prior approved program remains unresolved.

I am requesting that this matter be reviewed for compliance with FHA servicing requirements and that the servicer provide clear written documentation substantiating its actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-29 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 discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
rode XXXX on XXXX XXXX XXXX charge was XXXX wirhout tip added XXXX tip made total amount XXXX rhe same day rode XXXX again initial charge XXXX added XXXX tip amount XXXX. So both XXXX and XXXX were paid thru my old national debit card on XXXX XXXX XXXX i called old national bank on XXXX XXXX XXXX to ask why XXXX and XXXX were still holding in my bank account. They said it was being reviewed make sure it is not fraudulent. This is unacceptable. I usualy use XXXX XXXX when I take rides because they do not do holds like that. It is now XXXX XXXX XXXX still did not release the holds and XXXX XXXX said it woyld be XXXX XXXX XXXX the other csr XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation