vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXEquifax Information Services, LLC\nXXXX XXXX XXXX GA XXXXXXXXSubject: Follow-Up Request to Block and Delete Fraudulent Accounts  Identity Theft\nVictim\n\nDear Equifax Consumer Services,\n\nI am writing to follow up on my previous request to formally request the blocking and\ndeletion of fraudulent accounts and information related to my identity under the Fair\nCredit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a\nvictim of identity theft because of the Equifax data breach, and unauthorized accounts\nhave been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please\ncontact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in\nensuring my credit report remains accurate and free from fraudulent activity\n\nXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
XXXX. Multiple XXXX XXXX XXXXXXXX accounts are reporting late payments from XXXX and XXXX despite being marked as Paid, Closed ; was Paid as Agreed as of XX/XX/XXXX. 
XXXX. Many of these accounts display " X ' indicators for months at a time which suggests missing or unverifiable data. 
XXXX. These accounts are now over XXXX years closed and should not continue to reflect derogatory marks without full documentation. 
XXXX. I have made good faith attempts to resolve this directly with TransUnion without a satisfactory outcome. 

Accounts Involved ( Partial IDs for privacy ) : - 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 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 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 * * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered that Radius Global Solutions, LLC is reporting a debt allegedly owed by me. However, I have never received any written notice of this alleged debt within five ( 5 ) days of your initial communication, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). This failure constitutes a violation of federal law.

As such, I am formally disputing the validity of this debt and hereby demand that Radius Global Solutions provide the following documentation in compliance with federal law and relevant case authority : 1. The full name and address of the original creditor ; 2. A copy of the original signed contract or agreement bearing my signature that allegedly created the debt ; 3. A complete chain of title establishing ownership of the debt, including notarized contract of assignments and any subsequent transfers ; 4. Legal proof that Radius Global Solutions has the present authority and standing to collect on this alleged obligation ; 5. A detailed, itemized accounting of the amount you claim is owed, including all fees, interest, and charges.

Case law has consistently established that debt collectors must possess and produce proper documentation to establish assignment and standing to collect : * * XXXX v. XXXX XXXX XXXX XXXX. XXXX *, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX. XXXX ) : An assignee must prove a valid assignment in order to enforce a debt. 
* * XXXX v. XXXX *, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : A party seeking to enforce a debt must demonstrate a clear and valid chain of title. 
* * XXXX XXXX XXXX *, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) : Merely asserting ownership of a debt is insufficient ; verifiable proof of assignment must be produced. 

Until such time as the above documents are provided, you must cease all collection activity and remove any negative tradeline related to this alleged debt from all consumer reporting agencies, pursuant to 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( b ).

Please be advised that failure to fully comply with this request will result in legal action against your company, including but not limited to claims under the FDCPA, the Fair Credit Reporting Act ( FCRA ), and any applicable state consumer protection statutes. This letter serves as a formal notice of dispute and a notice of intent to litigate if unlawful reporting and collection activities persist.

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 2025-07-23 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-23 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had a dispute regarding a loan and subsequently stopped making payments. The lender charged off the account and sold the loan to Service Finance Company , LLC, a collection agency. 

The collection agency and I reached a settlement agreement stating that a payment of {$7500.00} would satisfy the debt in full, with no further collection efforts. They also agreed to report the account to the credit bureaus as settled for less than the full balance. I paid the full agreed amount on XX/XX/year>, and fully complied with all terms of the settlement. 

However, when I recently applied for a loan, I discovered that the collection agency had reported the remaining loan balance as a default. This inaccurate reporting caused my XXXX XXXX to drop by XXXX points and resulted in my loan application being denied. 

XXXX XXXX is the credit reporter.

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 2025-07-23 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-23 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-07-23 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-23 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because I submitted a dispute to TransUnion regarding several inaccurate and outdated items on my credit report. In response, TransUnion sent me a letter claiming they were unable to locate a credit report in my name. This is not accurate. 

When I originally submitted my dispute, I included a clear copy of my government-issued ID and a recent utility bill to verify my identity and address. I should not be required to resubmit this information repeatedly I have already provided it, and TransUnion has it on file. 

To make matters worse, on the back of the letter they sent me, there was language telling me I needed to pay to get a copy of my credit report. This is completely unacceptable and misleading. I did not request a credit report I submitted a formal dispute under the Fair Credit Reporting Act ( FCRA ), and TransUnion is required by law to investigate and respond within 30 days. Instead, I received a stalling letter that completely ignores the substance of my dispute. 

For the record, the items I disputed included : Inaccurate personal information Accounts that do not belong to me Accounts that are obsolete and past the legal reporting limit Negative items that were previously resolved or discharged This response from TransUnion is not only dismissive, but it also appears to be a deliberate attempt to delay the dispute process and frustrate my right to accurate credit 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 non-monetary relief
Consumer complaint received 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The current information on the major credit bureau sites does not show my current employer ( 2 years of employment ) nor does it show the employer prior to current employer ( 5 years of employment ). This makes it look like I have not been employed since XXXX  and does not allow verification of my income so I can prequalify for a loan application. I confirmed this with a loan agent when I asked them. They said they definitely need this information to verify my information and generate a correct profile for me. I am about to begin a graduate program and this has seriously impacted me. My information shows a very strong credit score but otherwise no other information can be verified. 
The reports also show partial reporting or no reporting of information from XXXX XXXX XXXX XXXX with whom I have had a credit card since XXXX  with no missed payments.

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am writing in response to your recent communication regarding the collection of an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation and verification of the debt you claim I owe. 

Please provide the following : The amount of the debt you claim I owe The name of the original creditor A copy of the original agreement or documentation showing I agreed to pay the debt Documentation proving that your agency has the legal authority to collect on this debt A copy of the judgment ( if applicable ) Until this information is provided, I request that you cease all collection activities, including reporting this debt to any credit bureaus, as doing so without proper validation is a violation of the FDCPA. 

If you can not validate the debt, I request that you immediately remove any related information from my credit report and cease further contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I returned a watch to Macys that I ordered online on XX/XX/year>. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX watch. After not receiving a refund, I contacted Macy customer service on XX/XX/year> via web chat. The rep confirmed that the item was received on XX/XX/year>. And that according to their policy I would have a refund in XXXX business days. Also guaranteed that I would get a refund by XX/XX/year>. After not receiving the refund I called Macys on XX/XX/XXXX and it was confirmed the watch was received. The rep stated that due to the amount of the refund {$480.00} it required a special over ride and form. The rep guaranteed I would receive the refund with XXXX XXXX hours. Still no refund. Called Macys back again on XX/XX/year>, the rep stated they would mail me a check. I refused to believe them and escalated to a supervisor. When I spoke to the supervisor they stated that the watch was damaged, so Macys shipped the watch back to me. The rep stated the watch has a scratch on it. That is completely false. I sent the watch back in perfect condition. The supervisor said it was shipped back and I let them know I never received it. The rep said they would file a claim and would have a resolution, and within 48 they would call me back. XX/XX/year> I havent heard back from Macys. So I called Macys back. The rep that I spoke to had no idea about the refund or the claim that was supposedly filed.

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