vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: MO

Complaint narrative:
I am writing to formally address serious concerns regarding the improper use of my consumer credit report and the unauthorized reinsertion of previously disputed and inaccurate information by your agency, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I am referencing accounts and/or items that were previously removed from my credit report after a formal dispute was filed and resolved. To my dismay, I have discovered that these same items have been reinserted into my credit report without the legally required notice or certification of accuracy, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Under this section of the FCRA, a consumer reporting agency is required to notify the consumer in writing within five business days of reinsertion and must also receive certification from the information furnisher that the data is accurate and complete. 

In addition, the ongoing presence and use of these inaccurate and unverifiable items in my credit report constitutes a breach of your duty to maintain maximum possible accuracy of the information reported, as required under 15 U.S.C. 1681e ( b ). These violations have caused and continue to cause substantial harm to my creditworthiness, personal finances, and emotional well-being.

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 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
I am disputing fraudulent collection accounts that have appeared on my credit report. I did not authorize these accounts, nor have I received any services, products, or communication related to them. These collections are not mine, and I believe my personal information may have been used without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
I'm disputing a collection account XXXX ( Experian, Equifax, XXXX ) and XXXX ( Equifax ) XXXX that continues to be reported as verified as accurate However, this is demonstrably false and misleading : each bureau reports different closing dates, late-payment details, and collection statuses, demonstrating the account has not been properly or consistently verified. 



If proper verification had occurred via the original creditor or data furnisher, all three agencies would present identical data but they do not. Their failure to investigate and correct this account violates the Fair Credit Reporting Act, specifically : 15U.S.C.1681i ( duty to reinvestigate disputes ), and 15U.S.C.1681e ( b ) ( duty to ensure maximum possible accuracy ). 

Refusal of Method of Verification by Employee XXXX ( Equifax ) FCRA Law code 611 ( a ) ( 7 ) Reinsertion ( Equifax ) without proper notification Supervisor XXXX has stated via phone call I have possession of Equifax does NOT send out Reinsertion notices which is a Non compliance violation to the FCRA.611 ( a ) ( 5 ) ( B ) ) The bureaus continue to mark the account as verified without supplying any valid method of verification, essentially admitting they have done nothing meaningful. I am submitting screenshots from Credit Karma showing these inconsistencies, as well as official CFPB complaint documents and consent orders against Experian ( XX/XX/year> ) for sham investigations, Equifax ( XX/XX/year> ) for failing to resolve disputes and ensure accuracy, and multiple CFPB enforcement actions against TransUnion all illustrating a history of noncompliance. 



I request the CFPB investigate these practices and compel the bureaus to either : 1. Perform a legitimate verification process and provide documentation of that process, or 2. Remove the accounts due to their failure to properly verify under FCRA. 



Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX XXXX  to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. I have requested proof that this information was mailed or delivered XXXX XXXX  before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-06-24 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 hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I have had a good standing current loan status and my servicer reported my loans past due while they were in deferment status. Their official letter stated I was in deferment and the past due billing statements have been removed from their webpage but my credit score and report shows deliquent XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: CA

Complaint narrative:
Sezzle has reported my closed scccount to XXXX  and XXXX  as a XXXX XXXX account and line of credit neither such are true. 
XXXX is a XXXX  account. 

Being reported as a closed charged off reserve checking has had dire consequences on my report despite paying my account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I disputed two inquiries on my credit report after trying to contact or find companies. I did not apply for any credit with XXXX or XXXX XXXX. I have tried to find XXXX via internet to no avail and contact XXXX XXXX via phone but do no have an account number to talk with anyone. I want them to remove these inquiries because they are not mine. I have documented fraud on my credit report. I have also disputed the inquiries with Transunion to no avail. Please help me get these fraudulent inquiries removed my credit profile. Thank you

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 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX keeps using my address in an attempt to collect a debt that belongs to my ex-husband. I contacted her by registered mail, email, and phone, asking her to stop using my address for debt-related communications and court proceedings. 

My bank informed me that there is a lien on my property tied to my ex-husband 's debt and court case. I sent XXXX a letter requesting that she immediately remove my address from her records and have the XXXX removed. I have not received any response. Recently, I received another letter from the court regarding my ex-husband 's debt case, indicating that XXXX XXXX XXXX has ignored my request to stop using my address. 

I want this harassment by XXXX XXXX XXXX to stop. I am divorced. My ex-husband does not live at my address, and I am not responsible for his debts. My address should not be used in court or in connection with his case. 

Here is XXXX XXXX XXXX 's contact information : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My ex-husband 's Case Number at XXXX XXXX XXXX XXXX : XXXX Debt owner : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: OK

Complaint narrative:
Dear Credit Management Company I am formally requesting that you cease all communication with me regarding the alleged debt associated with XXXX the account number referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop contacting me. From this point forward, you are to cease all contact with me, including but not limited to phone calls, letters, emails, or any other form of communication. If you believe this debt is valid and you intend to take legal action, you may communicate with me solely through written notice regarding that action. Failure to comply with this request will result in me pursuing all available legal remedies against your company, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney Generals office. Please confirm in writing that you have received this notice and will comply. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: KY

Complaint narrative:
TransUnion Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting Account # XXXX To whom it may concern, I am writing to formally dispute inaccurate and inconsistent information being reported by your bureau regarding my account with XXXXXXXX XXXX XXXX XXXX XXXXXXXX Credit Card, account number ending in XXXX. According to my records and the creditors own response, the information you have on file is materially incorrect and fails to reflect the verified documentation. 


Here are the specific inaccuracies : - You are reporting a balance of {$630.00}, while XXXX Bank provided billing statements showing a different amount ( {$570.00} ) post charge-off. 
- You reported the account as charged off in XX/XX/XXXX, yet the creditor indicates it was officially charged off on XX/XX/XXXX. 
- Your report shows a Charge-off while still showing {$630.00} as past due, which contradicts the frozen balance practice required post charge-off. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information you report is accurate and complete. I am requesting an immediate reinvestigation of this account. If your investigation can not verify each detail exactly as the creditor provided, you must delete the account from my credit report. 

Attached is a copy of the creditors response for your review. Please provide written confirmation once this account has been corrected or deleted. 

Sincerely, 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 2025-06-24 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-24 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I am sending this asking for your help to file a formal complaint against RADIUSGLOBAL regarding an account I have with them XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : RADIUSGLOBAL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$65.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with RADIUSGLOBAL buttonoavail.

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 2025-06-24 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 2025-06-24 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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