vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
On XX/XX/year> sent a debit validation letter, as of XX/XX/year> have heard nothing from them account was in in collections and now is closed, would lije this removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts in Dispute : 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 : {$2100.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Inquiries in Dispute : XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Aut Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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.

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I reached out to Venmo on XX/XX/year> to dispute a charge against XXXX because they with XXXX the money off my card in advance when the scheduled date isn't till XXXX XXXX. I was told by the agent who was starting the dispute that if it is not resolved in XXXX business days that I would get a temporary credit of the {$300.00} today makes 12 days and I have reached out to venmo in regards to this and I am getting the run around now they are saying that my type of dispute i can not get a temporary credit. When I have spoken to XXXX different agents through the app and they have confirmed that I am supposed to get a temporary credit. Today they sent an email that does not explain anything and all I get told is that someone will call me within XXXX hours and no one calls. I am highly upset and frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
To Whom It May Concern. This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, TRANSUNION continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal 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 non-monetary relief
Consumer complaint received 2025-12-09 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:
To Whom It May Concern. This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, TRANSUNION continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal 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 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I purchased a vehicle ( VIN : XXXX ) on XX/XX/XXXX, for {$4000.00} in good faith from a private seller in Texas. The vehicle title shows an active XXXX from XXXX XXXX XXXX ( GLS ). The seller provided documentation that the vehicle was repossessed by GLS on XX/XX/XXXX, in New York. When I contacted XXXX directly, they confirmed via email that the vehicle was sold at auction on XX/XX/XXXX. 
Despite the vehicle being repossessed over 5 years ago and allegedly sold at auction almost 1 year ago, GLS has failed to release the lien. This has prevented me from : - Obtaining the proper title and registration- Legally driving the vehicle- XXXX the vehicle to recover my investment Actions I have taken : XXXX. I have contacted GLS multiple times requesting XXXX release documentation- they refuse to provide any documentation and told me to " contact the person who sold it to you. '' XXXX. Hired an attorney ( Law office of XXXX XXXX XXXX ) who sent a formal demand letter to GLS requesting : - Proof of auction sale - XXXX release documentation - Chain of title documentation GLS responded, refusing to provide any documentation. 

XXXX. Attempted to locate the seller who sold me the vehicle- they have disappeared ( disconnected phone, deleted social media ) XXXX. Contacted the original owner from whom the vehicle was repossessed- they are now in XXXX and stopped responding to my requests for documentation XXXX. Attempted to obtain a bonded title through Texas XXXX - unable to complete the process due to GLS 's active XXXX. 
What I want : I am requesting that GLS immediately : XXXX. Provide documentation proving the vehicle was sold at auction on XX/XX/XXXX as they claimed XXXX. Release the lien on this vehicle and file the appropriate XXXX release with Texas XXXX XXXX. Provide written confirmation that they have no further claim to this vehicle If the vehicle was NOT actually sold at auction as they claimed, then GLS is maintaining a fraudulent XXXX on a vehicle they no longer have any legitimate claim to. 

Financial impact : I have lost {$4000.00} on the purchase price, plus additional costs for : New brakes installed : {$130.00} New Starter : {$240.00} New Relay XXXX XXXX : {$41.00} Attorney consultation/demand letter : {$750.00} XXXX fees and bonded title application : {$130.00} Total XXXX. 

I currently possess a vehicle I can not legally register XXXX XXXX, or sell because GLS refuses to release a lien on a vehicle they repossessed XXXX years ago and claim to have sold at auction. 

Supporting documentation : - Vehicle title showing GLS XXXX - Repossession paperwork dated XX/XX/XXXX - Email from GLS stating vehicle was sold at auction XX/XX/XXXX - Attorney demand letter to GLS - GLS 's response refusing to provide documentation - Bill of sale from my purchase on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am formally disputing this account because your company has not provided any legitimate or reliable documentation proving that I applied for, authorized, or agreed to this credit card. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a full investigation and to receive verified proof that I am responsible for this account. Additionally, under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive proper validation of any alleged debt, including a signed application, identification used, IP addresses, dates, transaction logs, and any other evidence confirming it was actually me. Since I never signed up for this credit card and have not been provided with any proof linking this account to my identity, you can not legally hold me accountable. If you can not produce verified documentation proving this account belongs to me, it must be removed immediately and not reported on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute multiple items that are inaccurately reported on my credit report. These items appear on my credit report with [ insert credit bureau ] and I am requesting a review and correction of the information, in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed items for each bureau : Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} Late Payments : XXXX, Account Number : XXXX XXXX Account Number : XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CO

Complaint narrative:
I am disputing the following charged-off accounts on my TransUnion credit report. I believe the reporting is inaccurate, incomplete, or unverifiable : XXXX  Account # XXXX Reported XX/XX/XXXX {$1200.00} XXXX XXXX XXXX Account # XXXX Reported XX/XX/XXXX {$1000.00} XXXX XXXX XXXX  Account # XXXX Reported XX/XX/XXXX {$550.00} XXXX Account XXXX XXXX Reported XX/XX/XXXX {$110.00} XXXX Account # XXXX Reported XX/XX/XXXX {$350.00}

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 2025-12-09 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:
Dear Sir/Madam, I am writing to file a dispute regarding the accounts listed below. These accounts are inaccurately reported on my credit report, and I respectfully request that they be reviewed and corrected to reflect accurate information. If any of the information can not be verified, I request that these items be removed in accordance with the Fair Credit Reporting Act. Please ensure that the necessary updates are made to the records. 

Charged Off Accounts XXXX XXXX ( Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$470.00} ) Inquiries XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) Late Payment XXXX XXXXXXXX ( Account Number : XXXX ) XXXX  ( Account Number : XXXX ) XXXX/XXXX  ( Account Number : 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 2025-12-09 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: FL

Complaint narrative:
I am not tied to these accounts ; please eliminate them within 15 days per 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 2025-12-09 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: IA

Complaint narrative:
Information on my credit report that is the result of fraud/identity theft. 

XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX account Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
Hello my name is XXXX I have made several attempts to contact fifth third to get resolution on my case and dispute charges. I have often been ignored and completely stonewalled. I have been in direct contact with XXXX XXXX and XXXX XXXX at the store located on XXXX XXXX in XXXX, South Carolina. When I call the fraud department they cant understand me because they are in the XXXX. This has been a complete nightmare, my debit card was not stolen the debit card information was stolen with my laptop. But the XXXX fraud team says that my debit card was stolen. I received NO PROVISIONAL CREDIT, and in fact fifth third took {$850.00} out of my account and made my account negative because they took provisional credit away that I NEVER received. 

Fifth Third is in DIRECT VIOLATION OF Reg E Per 12 CFR 1005.11 ( c ). They did not provide provisional credit or a resolution in the necessary time. XXXX XXXX and XXXX XXXX have provided no help or even tried to reach a supervisor. 

My case # is XXXX Multiple XXXX XXXX transactions were taken from my account and I reported them to XXXX XXXX and fifth third. XXXX XXXX has refunded multiple transactions and declared them as fraud but 53 bank refuses to help or give clarity on the situation. 

I have contacted fifth third on 4 separate occasions to get clarity on the situation and they keep telling me they can not help. 

I first made a call to dispute the transactions on XXXX XXXX XXXX  and declare fraud when I first noticed my account was low. Then I was able to track fraudulent charges starting on XX/XX/year>. I even disputed the charges that were still pending and I received NO PROVISIONAL CREDIT. When I ask to speak to a supervisor it is someone in the XXXX, not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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