vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
These accounts are not associated with me ; they must be removed within 15 days according to USC 1681g.

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 2025-12-02 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: VA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding National Credit Systems and their handling of a debt that I notified the original guarantors I was disputing. Despite my communication, the guarantors forwarded the account to National Credit Systems while my dispute was still unresolved.

From the beginning, I was communicative with the collection agency. I answered their calls, expressed willingness to resolve the matter, and verbally stated that I was disputing the debt. Approximately two weeks ago, I was on the phone with a representative when my phone died unexpectedly. I attempted to call back but was unable to reach the same representative. He later returned the call about a week ago and informed me that he had already placed the collection on my credit report without providing proper documentation or giving me the legally required opportunity to dispute the debt.

This action was taken while I was in the process of relocating due to a XXXX XXXXXXXX situation, which further impacted my ability to receive mail consistently. During this call, the representative also referenced me hanging up on him, which did not occur. I believe the account was reported prematurely and possibly in retaliation based on his comment and the condescending tone he used throughout the conversation. 

Consumers have the right to dispute a debt before a collection is reported. Those rights were not honored in this situation. I am requesting that this debt be removed from my credit report so I can properly dispute it, receive all required validation, and exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am simply asking for a fair opportunity to review and dispute this debt without being penalized due to improper reporting or a representatives personal attitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I am a consumer working to improve my credit, and I am disputing the following accounts on my credit report. The details of the accounts in question are listed below : Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Inquiries XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
CEASE AND DESIST & DEBT VALIDATION REQUEST ( FDCPA 15 U.S.C. 1692 et seq. ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Date : XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Alleged Debt Cease and Desist & Validation Request To Whom It May Concern : I am contacting you regarding the alleged debt you claim I owe. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to dispute this alleged debt in its entirety and request full validation. Until you provide legally acceptable verification, you must cease all collection activities.

Pursuant to 15 U.S.C. 1692g, please provide : 1. The exact amount of the alleged debt 2. The name and address of the original creditor 3. A copy of the original signed contract or agreement 4. Documentation proving you have the legal right to collect Furthermore, under 15 U.S.C. 1692c ( c ), I am demanding that you CEASE AND DESIST from all communications with me except where specifically permitted by law. 

Harassment & Illegal Contact Notice You have engaged in multiple prohibited actions, including but not limited to : Repeated harassment Contacting me at my workplace Calling before XXXX XXXX  and after XXXX XXXX  These actions violate 15 U.S.C. 1692c ( a ) ( 1 ) and 1692d.

Any continued harassment or unlawful communication attempts will be documented as evidence. If you continue collection attempts without proper validation, or violate this cease and desist order, I will take immediate legal action and file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Massachusetts Attorney Generals Office. 

This letter has been sent by certified mail, and a copy is being retained for my records. 

Do not contact me by phone for any reason. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: FL

Complaint narrative:
At least 4 times now, XXXX XXXXXXXX XXXX XXXX XXXXXXXX has charged me {$41.00} in late fees on their credit card issued through XXXXXXXX XXXX XXXX I have a checking account with XXXX XXXXXXXX XXXX and received this card offer through XXXX XXXX. I got this card to transfer a higher interest card balance earlier this year. I make sure to pay the monthly payment directly from my XXXX XXXX account diligently at least 3 days before the card due date, and it is immediately deducted/ withdrawn from XXXX XXXX XXXX XXXX has delayed posting these payments until XXXX or XXXX days after the card due date. There is no explanation for this except XXXX is intentionally holding off posting these payments until after the due date in order to collect unwarranted late fees. I received several pages from XXXX after inquiry which only show they, XXXX, is posting these payments late, no explanation as to why. This is not caused by weekends nor holidays. It is all XXXX and I dont know how to fight 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 monetary relief
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I am writing to dispute the following information on my credit report. I believe these accounts are being reported incorrectly and require further investigation. The disputed information is outlined below : Charged Off Accounts [ No entries provided for EX ] Inquiries XXXXXXXX XXXX Date : XX/XX/year> XXXXXXXX XXXX Date : XX/XX/year> Positive Accounts [ No entries provided for EX ] Late Payments XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Reported : [ Date ], Status : [ Status ] XXXX XXXX XXXX , Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Reported : [ Date ], Status : [ Status ] XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX, Date Reported : [ Date ], Status : [ Status ]

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 2025-12-02 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: CA

Complaint narrative:
b'I am filing this complaint because all three credit bureaus are reporting information that is inaccurate, inconsistent, outdated, or cannot be verified. I am requesting a full and lawful reinvestigation under the FCRA. Any item that cannot be verified with proper documentation should be corrected or deleted.\nCharged-Off Accounts in Dispute\n\nI am disputing the following items because the information is inconsistent with what is reported by XXXX  and XXXX, the dates and balances do not match, or the entries appear outdated or unverifiable:XXXX XXXX XXXX XXXX XXXX (multiple student loan accounts):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 XXXXThese accounts contain inconsistent balances, dates, or reporting across bureaus. I request verification or deletion.\n\nInquiries in Dispute\n\nThe following inquiries appear unauthorized or do not show a permissible purpose:XXXX XXXX XXXXPlease provide documentation or remove.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I am filing this complaint because Helvey & Associates Inc is reporting negative information to my consumer report ( s ) without providing verification or validation of the alleged debt after I formally requested it. 

On XX/XX/year>, I sent a written request to Helvey & Associates Inc requesting full verification and validation of the account ( s ) they are reporting. My request included a demand for : Complete account verification Original contract or signed agreement bearing my signature Full accounting and itemization of the alleged debt Chain of assignment and ownership Helvey & Associates Inc did not respond with proper verification, nor did they provide the requested documentation. Instead, they continued to report the negative account ( s ) to the consumer reporting agencies.

This failure to validate or verify the alleged debt while simultaneously furnishing negative information violates : FCRA 602 ( A ) Accuracy of consumer reporting FCRA 611 ( a ) & 623 ( a ) ( 1 ) ( A ) Duty of data furnishers to report accurate and verifiable information FDCPA 809 ( b ) Failure to cease collection until verification is provided As a consumer, I have the right to receive verification upon request and to not have inaccurate or unverifiable information furnished to my credit reports. At this moment, the account ( s ) remain on my credit without proof or validation of ownership, accuracy, or legal standing.

I am requesting that the CFPB investigate Helvey & Associates Inc for their actions and compel them to either : Provide proper validation and verification, or Remove all negative reporting related to the unverified account ( s ).

I request all communications and documents related to this matter be sent to me in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of a disputed debit card transaction for {$180.00} made on XX/XX/XXXX, to a mobile locksmith service. 

The service I paid for was misrepresented. The technician claimed he replaced and reprogrammed the chip inside my daughters XXXX XXXX XXXX key fob. Within a few weeks, the same Key Not Detected issue returned. I later had the key fob examined by another locksmith, who verbally confirmed that no chip replacement or programming work had been performed only a simple battery replacement. 

The original locksmith provided no receipt, no business information, and is now unreachable. I submitted multiple pieces of documentation to Capital One, including my statement, screenshots of the visit, and detailed explanations. I also attempted to provide a written summary of what the second locksmith verbally told me. Capital One stated they did not receive the documentation I sent and denied my dispute without properly considering the evidence.

I am requesting that Capital One re-review my dispute, verify the documentation I submitted, and follow proper investigation procedures under Regulation E. I am also requesting that the {$180.00} be refunded, as I was charged for a service that was not performed.

Capital One has been unresponsive and dismissive, and I do not believe they conducted a fair or complete investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 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 disputing the following accounts on my TransUnion credit report : Charged-Off Accounts TU : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00}

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
This notice was taped to our mailbox We own our house This is harassment & our private property & the USPSs I see FAY SERVICING has several class action suits against them FAY SERVICING This property has been acquired via foreclosure. 
Property Address XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Please contact : Agent XXXX XXXX XXXXXXXX XXXX  Phone number XXXX Within XXXX hours or we will assume this property is vacant and/or abandoned and rekey. 
Thank you! 
Initials : / Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct, XXXX, NC XXXX ] XX/XX/XXXX XXXX XX/XX/XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX RE : Unauthorized Hard Inquiry XXXX XXXX Inquiry Date : XX/XX/XXXX To whom it may concern, I am writing to formally dispute an unauthorized hard inquiry that appears on my Experian credit report. The account in question is listed as : XXXX XXXX Date of Inquiry : XX/XX/XXXX I did not authorize this inquiry, nor did I apply for any credit, loans, or services with XXXX XXXX  on or around that date. Because this inquiry was made without my knowledge or consent, it is a violation of the Fair Credit Reporting Act ( FCRA ) and must be removed immediately. 
Please initiate an investigation and delete this unauthorized inquiry from my credit file as soon as possible. I am also requesting written confirmation once the removal has been completed. 
Enclosed are copies of my government-issued ID and proof of address to help verify my identity. 
Thank you for your prompt attention to this matter. 
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 explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
XXXX XXXX is reporting incorrect late payments on my auto loan despite the fact that I entered an official payment arrangement with them and have been making every payment on time according to that arrangement. 

On XX/XX/2025, I contacted XXXX XXXX and we agreed to a bi-weekly payment plan of {$550.00} to bring my account current. This agreement is documented inside the XXXX XXXX app and was confirmed verbally with their representatives. 

Even though I have complied with every scheduled bi-weekly payment, XXXX XXXX continues to report my account as 30/60/90 days late as if I was not following the arrangement. Their representative admitted on a recorded call that they will keep reporting late payments until the past-due balance reaches zero, even if I am meeting every required payment under the arrangement. 

This is inaccurate and misleading credit reporting, because my current payment schedule was negotiated, approved, and formally accepted by XXXX XXXX. Reporting late payments during an active, compliant arrangement is unfair and does not reflect the true status of my account. 

I am requesting the CFPB to require XXXX XXXX to correct the inaccurate late payment reporting and update my credit file to reflect the payment arrangement and my on-time payments under that agreement.

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