vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Didn't get a response until i filed CFPB complaintXXXX. However it didn't validate the debt owed in the response. Certified letter sent today since debt wasn't validated. Within the certified letter it is written : statement dated XX/XX/year>, showing an active 12-Month No Interest If Paid in Full By XX/XX/year> plan. 
Despite that promotional period being in effect, the statement improperly includes a {$20.00} late fee and {$2.00} interest charge dated XX/XX/year> and XX/XX/year> both before the promotional expiration.

This demonstrates that the account balance LVNV is reporting was inflated by unauthorized fees and premature interest.

Because this information is factually inaccurate and unverifiable, continued reporting violates FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ) and 611 ( a ) ( failure to reinvestigate disputed information ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: OH

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
I am disputing the following accounts listed on my Equifax credit report. These accounts appear to be inaccurate, and I am requesting that they be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ).

Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: CT

Complaint narrative:
I sent a certified debt verification letter on XX/XX/year> to Radius Global Solutions LLC XXXX XXXX XXXX XXXX, MN XXXX regarding Acct # XXXX. It has been more than 60 days and I have not received any type of communication verifying the debt.

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 2025-11-04 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: CA

Complaint narrative:
Dear TransUnion, I am writing to formally dispute the following negative items listed on my credit report under your bureau 's record for me. I request that you conduct a thorough reinvestigation and take appropriate action on the following accounts as per the Fair Credit Reporting Act ( FCRA ). 
1. XXXX XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This account has been reported as a collection/chargeoff with a balance of {$2100.00}. Please provide verification of this debt and the current status of the account. 
2. XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reported as a collection/chargeoff with a balance of {$110.00}. Kindly provide proof that this account is accurate and if any payments were missed that led to this status. 
3. Personal Loan Companies ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This account is also listed as a collection/chargeoff with a reported balance of {$110.00}. I request confirmation that the collection agency has the proper documentation of this debt. 
4. XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The account shows a collection/chargeoff with a balance of {$32000.00}. I request confirmation that this debt is valid and that all reporting is accurate.

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 2025-11-04 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: MT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly damaged my credit and credit score. I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That promise has been blatantly brokenthese inquiries persist. This failure to act is completely unacceptable and negligent. The ongoing presence of these potentially fraudulent entries is deeply alarming and indicates clear signs of identity theft. This unresolved issue continues to cause severe emotional and financial harm.

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 2025-11-04 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: TX

Complaint narrative:
Dear CFPB Representative, I am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) committed by the credit bureaus and the listed furnishers of information. My credit report contains false, inaccurate, and unverified data, which has significantly damaged my credit reputation and financial stability. Despite my right to accurate reporting, these items continue to appear on my report without proper verification. 
XXXX Acct : XXXXXXXX XXXX  High Balance : {$150000.00} Date Opened : XX/XX/XXXX Charge-off * * I have no knowledge of this account. Please provide full validation or delete this item per FCRA 611 ( A ) ( 1 ) and 623 ( A ) ( 1 ) ( A ).

Unauthorized/Unverified Inquiries : 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 These inquiries were not authorized by me. Please provide documentation of my consent or remove them immediately under FCRA 604 ( a ) and 607 ( a ).

I request the CFPB to direct the credit bureaus and furnishers to : Provide documentation showing my written or electronic consent for each inquiry ; or Immediately delete all unauthorized inquiries from my credit file.

Relief Requested : 1. Removal or correction of all inaccurate information from my credit reports.

2. Written confirmation from the credit bureaus showing all changes made.

3. Enforcement actions against any furnishers or agencies violating the FCRA.

I am submitting this complaint to ensure my consumer rights under the FCRA are protected and enforced. These repeated violations have caused emotional distress, reputational harm, and financial hardship. I request that the CFPB investigates and holds the responsible entities accountable.

Thank you for your attention and prompt action on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am reporting an issue with TransUnion regarding a fraudulent account from XXXX XXXX ( XXXX XXXX, CA XXXX ) that is appearing on my TransUnion credit report. 
I have never opened or authorized any account with XXXX XXXX. 

I filed an official FTC Identity Theft Report ( # XXXX, dated XX/XX/year> ) confirming that this account was created without my permission. 

On multiple occasions, I contacted TransUnions fraud department and submitted all required documentation, including my FTC report, government ID, and proof of address, requesting deletion of this fraudulent account under Section 605B of the Fair Credit Reporting Act.

According to federal law, TransUnion is required to block and delete fraudulent information within 4 business days after receiving sufficient proof.

Despite meeting these requirements, the XXXX XXXX account ( opened XX/XX/year>, closed XX/XX/year>, listed as a secured loan for {$120.00}, showing 6089 days late ) remains on my TransUnion file. 

This inaccurate reporting is harming my credit profile and must be corrected 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 explanation
Consumer complaint received 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following credit inquiries that appear on my TransUnion credit report. I do not recall authorizing these inquiries and request that they be investigated and removed from my credit file if found to be unauthorized.

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 2025-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I am the estate holder for my home. 
I submitted death cert, and pages from the trust ( 5 ) to NEW REZ over 3 years ago. I still dont have access to the account. They claim I needed to send in the entire Trust/will via Fax. I sent in all documents over 3 weeks ago.

I called and I was told they have my paperwork but it still PENDING. There is no one to speak to at New REZ about this except for their CSR. I should not have to wait this long to access an account that I pay mortgage on for over 3 years. I have called several times and wasted countless hour on the phone with CSR. The fax cost me {$74.00} from XXXX  XXXX. Due to security reason I could not SCAN/FAX from my home because its not safe. But sendong it fax at a public XXXX XXXX office id safer way to send paperwork. I would like to be able to access this account, speak to CSR with no problems. All they care about is do I want to refinance or buy a NEW HOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-04 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: PA

Complaint narrative:
The FCRA guarantees the right to accurate reporting. The accounts attached fail to meet this legal requirement and have caused me undue harm. I am requesting that these items be deleted immediately to resolve the issue.

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 2025-11-04 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: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
I am writing to dispute inaccurate information on my XXXX consumer report. The item ( s ) listed below are the result of identity theft. I did not open or authorize these account ( s ), and they should not appear in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: GA

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX, and I am submitting this formal complaint and request for investigation regarding an inaccurate and unverifiable account that is being reported on my credit file by XXXX XXXX XXXX ( XXXX ), allegedly on behalf of XXXX on behalf of XXXX XXXX Synovus Bank I am writing under the authority of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. This account is inaccurate, incomplete, and can not be verified, and therefore should not be appearing on my credit report. 
I have previously requested validation of this alleged debt from XXXX, but they have failed to provide any documentation proving that I owe this balance or that proper notice was given. According to 15 U.S.C. 1692g, debt collectors must provide verification of a debt upon request before any further collection or credit reporting activity. Because no verification has been provided, the continued reporting of this account violates both the FCRA and FDCPA. 
Under FCRA 611 ( 15 U.S.C. 1681i ), I am disputing the accuracy of this account and requesting that the CFPB investigate this matter. XXXX XXXX XXXX, as a data furnisher, is legally required under FCRA 623 ( b ) to investigate disputed information and to correct or delete any data that can not be verified. Since this account can not be substantiated, I am requesting its immediate removal from all credit reporting agencies, including XXXX XXXX XXXX XXXX. 
Furthermore, continued reporting of this unverified item may constitute willful noncompliance under 15 U.S.C. 1681n and could be considered an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Consumer Financial Protection Act, 12 U.S.C. 5531. 
I respectfully request that the CFPB : Investigate this matter thoroughly with XXXX XXXX XXXX and XXXX XXXX. 
Require the removal of this unverifiable and inaccurate item from my credit reports. 
Provide me with written confirmation once the investigation is completed and the correction is made. 
I appreciate your prompt attention to this issue. I am exercising my full rights under the FCRA and FDCPA, and I look forward to confirmation that this inaccurate account has been deleted to restore the accuracy of my credit file. 
Thank you for your time and assistance.

Company response to consumer: Closed with explanation