vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: OH

Complaint narrative:
After numerous attempts to correct all the inaccuracies This company is reporting and returning to the credit reporting agencies as verified the documentation i have supplied shows just some of the incorrect information and its not my job to do thiers. I have including documentation and officially request the following within 30 days or all accounts are to be deleted as per FDCPA regulations furthermore I have proved that the information was not correctly verified and required proof. So I would like to dispute under FCRA section 611 ( a ) ( 7 ) METHOD OF VERIFICATION REQUEST I am writing to dispute the accuracy and completeness of the following account ( s ) on my credit report. This letter serves as a formal request for reinvestigation again under section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX REASON FOR DISPUTE : Accout is being reported inaccurately and incompletely. 

Please provide the method of verification as required under Section 611 ( a ) ( 7 ) of the FCRA. Specifically, provide the name, address, and telephone number of the party that verified all the information and copies of all documents you relied upon during the reinvestigation. 
If you can not verify the accuracy of the information within XXXX  days, you are required by law to delete the disputed item from my credit file. Furthermore you will not be under XXXX XXXX compliance if reporting inaccurate information. Again the information disputed is to be removed from my credit file immediately. Under FCRA regulations credit reporting bureaus can only reported information that is verified, complete, and accurate. As shown this information verified was and still is inaccurate and I demand immediate removal of all negative account information due to these inaccuracies causing me credit and financial hardship. I will be pursuing legal action under The federal law that allows you to sue a credit card company ( as a data " furnisher '' of information ) for reporting incorrect information on your credit report after numerous attempts to correct it is the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. {$1600.00} et seq,

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Unauthorized Inquiry Removal FCRA Violation I am writing to formally dispute and demand the immediate removal of the following unauthorized inquiries from my credit report : 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 XXXXXXXX XXXX XX/XX/year> These inquiries are not authorized and do not meet the requirements for permissible purpose under 15 U.S.C. 1681b ( 604 of the Fair Credit Reporting Act ). I never applied for credit with these entities nor granted written authorization, which is required under federal law.

Continuing to report these inquiries constitutes a violation of my rights as a federally protected consumer. Under 15 U.S.C. 1681n ( 616 ), you may be held civilly liable for willful noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR 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 explanation
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
I have a {$2500.00} collection on my credit report and I am not sure what it is and they are not showing in the Arizona XX/XX/XXXX website as licensed in Arizona. They have not provided any information or replied to any of my letters.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Due to XXXX illness and XXXX, I fell behind and the account charged off. Synchrony refused hardship consideration. 
Requested : Hardship-based deletion Full reinvestigation Removal of unverified negative items

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 2025-11-13 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am submitting this statement regarding an inaccurate account being reported by all three credit reporting agencies Experian, Equifax, and TransUnion under the name XXXX XXXX  XXXX, account number XXXXXXXX XXXX XXXX. Each of these credit bureaus is reporting this same account with a balance of {$25000.00}, and varying open and last activity dates. Specifically, Experian reports the account as opened on XX/XX/XXXX, and last active on XX/XX/XXXX ; Equifax reports the same account with the same dates ; while TransUnion lists the account as opened on XX/XX/XXXX, and last active on XX/XX/XXXX. These inconsistencies in the reported information already raise serious concerns about the accuracy and reliability of the data being furnished and maintained by these agencies. 

I have carefully reviewed my records and found that the reporting of this account is inaccurate, incomplete, and unverifiable. The details being furnished are inconsistent, and the reporting fails to meet the standard of maximum possible accuracy as required under Section 602 ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Furthermore, under Section 607 ( B ) of the FCRA, credit reporting agencies are required to follow reasonable procedures to assure the accuracy and integrity of the information they include in consumer reports. Based on the inconsistencies and the lack of proper verification of this account, it is clear that these procedures were not properly followed in my case.

I have exercised my rights under FCRA Section 611 ( a ) to dispute this information directly with each of the XXXX credit bureaus. Despite my good-faith efforts to resolve this matter, the inaccurate account remains on my credit reports. The continued reporting of unverifiable or inaccurate information constitutes a direct violation of the FCRA. The law also provides that if an account can not be verified as accurate and complete, it must be deleted from the consumers credit report under FCRA Section 611 ( a ) ( 5 ) ( A ). 

The presence of this disputed account has caused significant harm to my creditworthiness and personal reputation. It has led to denials of credit opportunities, higher interest rates, and unnecessary stress due to inaccurate reporting that should have been corrected or removed after my initial disputes.

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 2025-11-13 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: CO

Complaint narrative:
Could you review this entry? Its late and might have mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, KY XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Formal Request for Investigation and Removal of Duplicate Accounts Reported by XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute incorrect information on my credit report. XXXX XXXX XXXX is currently listing multiple accounts that seem to represent the same debt but have different account numbers. 

Each account shows the same balance, the same alleged original creditor, and the same date opened, yet they display different account numbers. This misrepresents the actual number of debts I owe and XXXX violate the Fair Credit Reporting Act ( FCRA ) by reporting the same information multiple times. These listings are harming my credit profile by making it look like I owe several debts when, in fact, they are the same account reported repeatedly. 

I have already contacted XXXX XXXX XXXX directly and asked for validation and correction of these duplicate entries. I am including a copy of my communication with them for your review. 

Under FCRA 611, I request that you investigate this issue with XXXX XXXX XXXX, delete or combine any duplicate entries related to this account, and ensure only XXXX accurate, verified record remains. Please send me written confirmation once the correction is complete. 

Please treat this letter as a formal dispute of all XXXX XXXX XXXX accounts that share the same balance and creditor details but have different account numbers. If, after your investigation, these entries are found to be duplicates or can not be verified, I ask that you delete them immediately from my credit file. 

In accordance with the FCRA, I also request that you send me an updated copy of my credit report reflecting any changes after your investigation. 

Enclosed are copies of the following documents for verification : My identification ( drivers license or state ID ) Proof of address ( utility bill or bank statement ) Copy of XXXX XXXX XXXX validation letter Thank you for your prompt attention to this matter. I look forward to your written response within the XXXX period required by law. 

Sincerely, XXXX XXXX XXXX XXXX of SSN : XXXX XXXX XXXX XXXXXXXX Phone : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Dear Midland Credit Management I am writing in response to your [ letter/phone call ] dated [ date of contact ] regarding the alleged debt you claim I owe. This letter is not an acknowledgment that I owe this debt. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide validation of this debt. 

Please provide the following information : The amount of the alleged debt, including an itemized breakdown of any interest, fees, or other charges. 

The name of the original creditor and the account number associated with the alleged debt. 

Documentation or a copy of the original signed agreement showing that I am legally obligated to pay this debt. 

Proof that your agency is licensed to collect debts in my state, if applicable. 

The name and address of the current creditor if the debt has been sold or transferred. 

Until you provide this information, please cease all collection activities, including reporting this alleged debt to any credit bureau, and do not contact me except to provide the requested validation. 

Please note that any attempt to collect a debt without providing validation is a violation of the FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My name is XXXX XXXX and I I am a Navy Federal credit Union due to my time and the XXXX XXXX. My account has been hacked and unauthorized charges were taken out of my account and XX/XX/XXXX and it has not stopped. My last straw was when XXXX was taken out of my account and XXXX said that I allowed the transaction to go through.. I am on a fixed income and I am also battling XXXX so why would I allow somebody to take food out of my child 's mouth and making my rent check bounce? It amazes me how your bank is set up if somebody takes money out of my account this is the reason why you have the FDIC to back me up and not allow crooks to take my funds and say it's my fault. I am beyond disappointed at your bank and not really delving deeper into to this situation so unfortunately, I will have to move my funds to another bank that will protect me, but please know I will be letting every veteran I know to be aware of how I was treated. I also have the police working on this matter too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a dispute under the Fair Credit Reporting Act ( FCRA ) regarding multiple items reported on my TransUnion credit report, including a charge-off, several collection accounts, and an inquiry, which are either inaccurate, unverifiable, or do not belong to me. The accounts in question include XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$140.00}, XXXX XXXXXXXX XXXX XXXX with a balance of {$1600.00}, XXXX XXXX XXXX XXXX XXXX  with a balance of {$10000.00}, and XXXXXXXX XXXX XXXX XXXX  with a balance of {$2300.00}. Additional items include XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, and XXXX XXXX XX/XX/year>. Despite my prior dispute, I have not received verification, explanations, or corrections regarding these items, which appear to be inaccurately or improperly reported. The continued presence of these items may violate the reinvestigation and accuracy provisions of FCRA.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a dispute under the Fair Credit Reporting Act ( FCRA ) regarding multiple items reported on my TransUnion credit report, including a charge-off, several collection accounts, and an inquiry, which are either inaccurate, unverifiable, or do not belong to me. The accounts in question include XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$140.00}, XXXX XXXXXXXX XXXX XXXX with a balance of {$1600.00}, XXXX XXXX XXXX XXXX XXXX  with a balance of {$10000.00}, and XXXXXXXX XXXX XXXX XXXX  with a balance of {$2300.00}. Additional items include XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, and XXXX XXXX XX/XX/year>. Despite my prior dispute, I have not received verification, explanations, or corrections regarding these items, which appear to be inaccurately or improperly reported. The continued presence of these items may violate the reinvestigation and accuracy provisions of FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am sending this complaint to formally dispute several inaccuracies on my credit report concerning my student loan accounts with DeptedXXXX, all listed under account numbers beginning with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My review of the report revealed that multiple accounts are incorrectly reported as 90 days, 120 days, and 150 days late between XXXX and XXXXXXXX XXXX XXXX even though each account is currently listed as Current. Upon reviewing my credit report, I noticed that multiple accounts are reported as 90 days, 120 days, and 150 days late between XXXXXXXX XXXX XXXX XXXX XXXX despite each account being currently up to date and in good standing. According to my DeptedXXXX statements, there were no prior 30-day or 60-day late payments on any of these accounts. The reported progression of delinquencies jumping directly to 90 or 120 days late without prior 30- or 60-day late payments is mathematically and logically impossible. This indicates a clear reporting error, as an account can not reach 90+ days delinquent without first showing 30- and 60-day delinquencies. According to FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies and furnishers are required to ensure the maximum possible accuracy of the information they report. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ] prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. Since these accounts are currently in good standing with no open delinquency, the continued reporting of 90-, 120-, and 150-day late payments constitutes a violation of federal law. Furthermore, FCRA 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ] grants consumers the right to dispute inaccurate or incomplete information and mandates a reinvestigation within 30 days. The presence of these erroneous late payments undermines the fairness, impartiality, and efficiency of the credit reporting system, which is reinforced under FCRA 602 ( A ). In light of this

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 2025-11-13 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: GA

Complaint narrative:
I am sending this complaint to formally dispute several inaccuracies on my credit report concerning my student loan accounts with DeptedXXXX, all listed under account numbers beginning with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My review of the report revealed that multiple accounts are incorrectly reported as 90 days, 120 days, and 150 days late between XXXX and XXXXXXXX XXXX XXXX even though each account is currently listed as Current. Upon reviewing my credit report, I noticed that multiple accounts are reported as 90 days, 120 days, and 150 days late between XXXXXXXX XXXX XXXX XXXX XXXX despite each account being currently up to date and in good standing. According to my DeptedXXXX statements, there were no prior 30-day or 60-day late payments on any of these accounts. The reported progression of delinquencies jumping directly to 90 or 120 days late without prior 30- or 60-day late payments is mathematically and logically impossible. This indicates a clear reporting error, as an account can not reach 90+ days delinquent without first showing 30- and 60-day delinquencies. According to FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies and furnishers are required to ensure the maximum possible accuracy of the information they report. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ] prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. Since these accounts are currently in good standing with no open delinquency, the continued reporting of 90-, 120-, and 150-day late payments constitutes a violation of federal law. Furthermore, FCRA 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ] grants consumers the right to dispute inaccurate or incomplete information and mandates a reinvestigation within 30 days. The presence of these erroneous late payments undermines the fairness, impartiality, and efficiency of the credit reporting system, which is reinforced under FCRA 602 ( A ). In light of this

Company response to consumer: Closed with non-monetary relief