vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2025-08-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hard inquiries have appeared on my credit report without my prior knowledge or approval. I do not recognize these as part of any application or transaction I made.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am disputing inaccurate account information being reported by Experian regarding an XXXX XXXX account. The reported data is false and does not accurately reflect my account history. 

I submitted a dispute to Experian under the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ), providing evidence that the account was being misreported. Experian failed to conduct a reasonable reinvestigation and verified the inaccurate data without contacting the original creditor or reviewing my evidence. 
This conduct is consistent with the CFPBs XX/XX/year> lawsuit against Experian for engaging in sham investigations and unlawfully reinserting inaccurate information into consumers credit files without proper notice or a legitimate reinvestigation. 
Experians actions violate the FCRA, including : FCRA 611 ( failure to reinvestigate disputed information ) FCRA 607 ( b ) ( failure to follow reasonable procedures to assure maximum possible accuracy ) I am requesting the immediate deletion of this inaccurate account from my Experian credit file and confirmation in writing.

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 2025-08-13 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: Radius Global Solutions LLC
State: NY

Complaint narrative:
I am disputing the reporting and collection activity conducted by Radius Global on an alleged XXXX XXXX XXXX account. Their actions violate multiple provisions of the FCRA, Fair Debt Collection Practices Act ( FDCPA ) as implemented by Regulation F, and the XXXX reporting standards referenced by the XXXX XXXX XXXX XXXX . 

VIOLATIONS : Failure to Conduct a Proper Investigation Under 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ), furnishers must conduct a reasonable investigation after receiving notice of a dispute. Radius Global failed to perform a proper investigation before re-reporting the tradeline, violating this requirement. No supporting documentation or validation was provided.

Negligent Furnishing of Inaccurate Information Under 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) - ( D ), furnishers must review all relevant information and correct
inaccuracies. Radius Global continues to furnish false data, showing activity that never occurred and amounts inconsistent with the original account.

Unlawful Debt Sale / Improper DA Status Code Use XXXXXXXX XXXX status indicates an account was sold or transferred. If the account was sold without proper chain-of-title or notice to the consumer, this violates FCRAs accuracy requirement and constitutes deceptive collection under Reg F 1006.18.

Date Manipulation to Extend Statute of Limitations Updating the Date of First Delinquency or re-aging an account to appear more recent is a willful FCRA violation ( 15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ) ) and a deceptive practice under Reg F
1006.18 ( b ) ( 2 ). This is an attempt to unlawfully extend the time the debt appears on my credit report and/or reset the legal time bar.

No Valid Contract or Wet Signature Under Reg F 1006.34 ( c ), a collector must provide validation of the debt, including the original creditors agreement. Radius Global has provided no signed contract or original documentation linking me to this debt. 


XXXX Compliance Condition Code Misuse Furnishers must accurately apply codes such as XB ( account under dispute ). Radius Global failed to report the dispute to the CRAs as required by 15 U.S.C. 1681s-2 ( a ) ( 3 ) and XXXX standards , misleading the credit reporting system.

These actions have negatively impacted my credit report, and caused emotional and financial harm by attempting to collect on a debt that is fraudulent, invalid, and improperly reported.

Requested Action by CFPB : Investigate Radius Globals furnishing and collection practices regarding this account. 
REMOVE REPORT FROM RADIUS GLOBAL, ( 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 non-monetary relief
Consumer complaint received 2025-08-13 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: GA

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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: 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 ONE 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 non-monetary relief
Consumer complaint received 2025-08-13 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: MS

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account name : 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 In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am charged different amounts of interest every month. Its never the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint to demand the prompt removal of a fraudulent account currently appearing on my credit report. This account does not belong to me, and I have never given any consent for it to be opened. Its inclusion is entirely unauthorized and is causing measurable harm to my credit profile.

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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: AZ

Complaint narrative:
I opened a new Netspend account in early XX/XX/year>. According to the terms, I would receive a {$200.00} bonus within XXXX business days after a direct deposit of {$400.00} or more. On XX/XX/year>, and XX/XX/year>, I each made a direct deposit of {$400.00}. However, as of today, I still have not received the promised {$200.00} bonus.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-13 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I have two accounts on my credit report from XXXX XXXX XXXX XXXX XXXX # XXXX ) I looked at my TransUnion credit report, 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 U.S.C 16819 ( e ) ( b ) And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information dispute 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 notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have made multiple attempts to dispute inaccurate, outdated, or unverifiable information on my credit report concerning the following account ( 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 Despite my written disputes and supporting documentation, the credit bureau and/or data furnisher has failed to comply with several sections of the Fair Credit Reporting Act ( FCRA ) and related regulations. These violations include : Failure to conduct a reasonable reinvestigation ( FCRA 1681i ) Verification via unverifiable or automated systems such as e-OSCAR rather than direct confirmation ( FCRA 611 ( a ) ( 2 ) ( B ) ) Reinsertion of previously deleted information without notice ( FCRA 611 ( a ) ( 5 ) ( B ) ) Failure to provide the method of verification upon request ( FCRA 611 ( a ) ( 7 ) ) Reporting of inaccurate or incomplete data knowingly or negligently ( FCRA 623 ( a ) ( 1 ) ( A ) ) Lack of privacy documentation or permissible purpose to hold or reinsert data ( FCRA 604, Privacy Act of 1974, and 12 CFR 1022.142 ) Despite receiving all required documentation ( government ID, proof of address, police/FTC report where applicable, and highlighted credit report ), the bureau has not : Provided sufficient verification from the original creditor Proven any permissible purpose for reinsertion Ceased reporting false or duplicated 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 non-monetary relief
Consumer complaint received 2025-08-13 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: CT

Complaint narrative:
I have made multiple attempts to dispute inaccurate, outdated, or unverifiable information on my credit report concerning the following account ( 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 Despite my written disputes and supporting documentation, the credit bureau and/or data furnisher has failed to comply with several sections of the Fair Credit Reporting Act ( FCRA ) and related regulations. These violations include : Failure to conduct a reasonable reinvestigation ( FCRA 1681i ) Verification via unverifiable or automated systems such as e-OSCAR rather than direct confirmation ( FCRA 611 ( a ) ( 2 ) ( B ) ) Reinsertion of previously deleted information without notice ( FCRA 611 ( a ) ( 5 ) ( B ) ) Failure to provide the method of verification upon request ( FCRA 611 ( a ) ( 7 ) ) Reporting of inaccurate or incomplete data knowingly or negligently ( FCRA 623 ( a ) ( 1 ) ( A ) ) Lack of privacy documentation or permissible purpose to hold or reinsert data ( FCRA 604, Privacy Act of 1974, and 12 CFR 1022.142 ) Despite receiving all required documentation ( government ID, proof of address, police/FTC report where applicable, and highlighted credit report ), the bureau has not : Provided sufficient verification from the original creditor Proven any permissible purpose for reinsertion Ceased reporting false or duplicated items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: 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 ONE 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 2025-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC
State: AR

Complaint narrative:
Roundpoint Mortgage Servicing Corporation has reported an inaccurate late payment on my mortgage account that occurred during the 60-day loan transfer grace period. This is the only derogatory mark on my otherwise excellent credit history and is directly preventing me from refinancing my home.

Details of the Issue : In XX/XX/2024,

when Roundpoint became the servicer of my loan, I attempted to register online to make a payment. Due to Roundpoints system error, my Social Security number was still associated with a prior, closed Roundpoint loan. This prevented me from accessing my new loan account. I made multiple calls to Roundpoints IT department, spending approximately three hours total over the course of several weeks before the issue was finally resolved. I was explicitly reassured by Roundpoint representatives that my loan was within the 60-day transfer grace period and that no negative reporting would occur. Once my account was unlocked, I immediately made the necessary payments and set up automatic payments to avoid future issues. Despite this, Roundpoint reported a late payment to the credit bureaus. Harm Caused : This inaccurate late payment is preventing me from refinancing my home. My credit history has been otherwise excellent, and I XXXX XXXX XXXX XXXX.

The derogatory mark is materially and directly impacting my financial opportunities and increasing my borrowing costs.

Steps Taken to Resolve : I have contacted Roundpoint directly and provided all relevant details. I have requested the removal of this mark from my credit report. As of the date of this complaint, the reporting has not been corrected.

Requested Resolution : I request that the CFPB require Roundpoint Mortgage Servicing Corporation to : Immediately remove the late payment entry from all credit reporting agencies.

Confirm in writing that my account is in good standing with no derogatory marks.

Ensure no further inaccurate reporting related to this incident occurs in the future.

Company response to consumer: Closed with explanation