vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: MD

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$14000.00} XXXX XXXX XXXX XXXX XXXX  Balance {$1000.00} Original Creditor 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 non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Dear Credit Bureau Representative, I am writing to formally dispute inaccurate information appearing on my credit report related to the following account : Creditor Name : Wells Fargo Auto Account Number ( partial ) : XXXX Type : Auto Loan Date Opened : XX/XX/year> Reported Balance : {$28000.00} Status : Charged Off I am disputing the accuracy of this reporting for the following reasons : The account is incorrectly reported as charged off. 
The balance and status information are inaccurate and inconsistent.

The dates of last update and delinquency appear to be reported incorrectly.

Under the Fair Credit Reporting Act ( FCRA ) 611, I am requesting a full reinvestigation of this account and verification from the original creditor, Wells Fargo Auto. Please provide written confirmation of the investigation results and update or remove any information that can not be verified as accurate and complete. 

If applicable, I have enclosed copies of supporting documents ( such as account statements, correspondence, or payment confirmations ) to assist your review. 

Thank you for your attention to this matter. Please send confirmation of your investigation results to my address listed above.

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 2025-10-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX CARD Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX. 
Account name : 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 explanation
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : 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 2025-10-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting to formally dispute and request a reinvestigation of inaccurate payment history and reporting entries currently reflected on my credit file. Upon reviewing my recent report, I found several accounts containing errors or outdated information that require immediate correction under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXXXXXX XXXX Balance : - Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute information that I believe is inaccurate, incomplete, or unverifiable. The credit bureau is required by law to conduct a reasonable reinvestigation of this information within 30 days. If the disputed data can not be verified as accurate, it must be corrected.

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 2025-10-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the following accounts being reported on my credit file in violation of FCRA XXXX ( b ) and XXXX : XXXX.XX/XX/XXXX{$2000.00} Reported as Collection/Charge-Off XXXX. XXXX Collections {$4600.00} Reported as Charge-Off XXXX. XXXX XXXX Reported as Charge-Off XX/XX/XXXX Reported as XX/XX/XXXX Days Late XX/XX/XXXX Reported as XX/XX/XXXX Days Late XX/XX/XXXX Bank Reported asXX/XX/XXXX Days Late XXXXXX/XX/XXXXXXXX XXXX XXXX These entries are inaccurate, unverified, or reported without proper documentation. Under FCRA XXXX, I request an immediate reinvestigation and removal if the information can not be 100 % verified.

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 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am having issues with XXXX and my acct. First after a couple of attempts to get a debit card I was denied everytime or it keep giving me an error code saying " there's a problem try again later ''. So I ask customer service why I can not get a debit card and they have no answer for me. Second I try to add a debit card on my XXXX  acct many times and it tells me that there is something wrong with the cards iam putting in. So I tried to put in XXXX brand new cards never been used and it said the same thing. So I ask XXXX why I can not put a debit card in my acct so I can get my money off and there response was the system flagged my cards. So I asked how they flag a brand new never used card. There answer was to try again later that I had done it to many times in one day which is a lie because when I do it I only do one or two at a time then wait one to two weeks and try again and says same thing something wrong with my card. And they tell me the same dam story over and over. Try again in a couple hours I told them it's been a week or two and still says same thing. And I still don't know why I can not add a debit card. Third I was told by XXXX  to add my banking info so I tried that same thing something wrong with my bank acct. And venmo same response I don't know why you can not add your acct. Fourth they keep freezing my acct for no dam reason and asking for a copy of my id. I've sent them at least 10 copy 's of my id. All I do is get money sent to me from my mom and since I can not put a debit card or bank acct in my acct I send the money to a friend who has XXXX  and he takes it out to give me the cash. That's all that happens and for some dam reason they freeze my acct like today XX/XX/year>. I tried to send money and said I can not bc acct frozen so I contacted customer service told them I needed the money to get to work XXXX and all they said was we can not help you. Like they don't even care what they are doing to people 's lives when they take people 's money and holds it. Now XXXX screwed on going to my new job XXXX because XXXX wants to freeze my acct for no reason at all. If there customer service center can not do a dam thing then why even have XXXX bc every time I have an issue with my acct they have always had to escalate it to another department. So why have customer service if you can't do a dam thing for people 's accts. I've lost jobs bc they have taken my money and put holds on it. Gotten behind on some bills bc I can not put my debit card on my XXXX  acct so I can not pay my bills with my money. I've had to waste my time and effort to find someone who would help me to get my money off. I should not have to spend 3 days getting my money off XXXX acct. It's ridiculous and something should be done about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I am sending to formally request that you block specific information appearing on my TransUnion credit file that I believe is the result of identity theft or unauthorized activity, in accordance with my rights under Section XXXXB of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. 
The following item must be blocked immediately : XXXX & XXXX XXXX Bank XX/XX/year>XX/XX/XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
ction constitutes clear violations of FCRA 1681i ( a ) ( 1 ), 1681c- 2 ( a ), and 1681i ( a ) ( 5 ) for failing to conduct a reasonable reinvestigation, refusing to block identity theftrelated information, and continuing to report inaccurate data. I have provided Equifax with all the necessary identification and evidence to support my claim, including my FTC Identity Theft Report XXXX. XXXX, proof of address, and government-issued identification. Their repeated disregard of my legal rights under the FCRA has caused ongoing harm and emotional distress due to inaccurate reporting on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CL Holdings LLC
State: LA

Complaint narrative:
Im thinking this once was a XXXX account, then it got sold to different collection agencies and this has been going on for over XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I booked a XXXX XXXX  flight on XXXX using my capital one credit card. Flight was later cancelled by me and the merchant was going to issue a refund which they never did. I reach out to my credit card company and opened a dispute and also reached out to the airline. My card company has refused to work with me since XXXX  to resolve this issue. 

The transaction was done on XX/XX/year> Total Amount : {$580.00} Date of dispute : XX/XX/year>. 

This dispute was not in my favor. I have reached out to capital one in several occasion but nothing was done about it. 

Below was the email I also sent to the airline and they never responded. 


To Whom it May Concern Dear XXXX CANCELLED FLIGHTS & ANTICIPATED REFUND XXXX XXXX XXXX Following our earlier conversation today and the need to provide a written letter to this effect, I would greatly appreciate that the disputed transactions ( further outlined below ) with XXXX XXXX  be concluded with refunds effected. 
Sometime in XXXX, I made reservation for roundtrip flights from XXXX  to XXXX XXXX XXXX XXXX ( XXXX XXXX to XXXX XXXX ) to which cancellations were made after a call was put through to the XXXX XXXX XXXX XXXX XXXX. I further made sure to follow that call up with Capital One ( like I would normally do for any disputed transaction ) and was asked if I reached out to XXXX XXXX to which I gave the affirmative. 
While I don't know which specifically, but the various confirmation booking IDs are XXXX XXXX  and XXXX. 
More than a month after when I expected this would have long forgotten, I am awoken to a missed call. from XXXX XXXX. Shortly, when I went through my credit card statement, I see that these disputed charges are still passed to my card! Of course, have had to call both Capital One customer care and XXXX XXXX more than XXXX times today just to make sure this is entirely resolved as I want those reservations cancelled with refunds fully effected. 
I have several transactions pending with XXXX XXXX and don't think this should be an issue for continual back and forth, besides, for same flight booked in XXXX, I would be using same Airline to return on XXXX XXXX as can be confirmed with confirmation booking ID XXXX XXXXXXXX. Should I be having multiple bookings in XXXX airline for a particular flight? 
Again, I am surprised this hasn't been concluded, and hopeful that I get refunds for the amounts of {$310.00}, {$110.00}, and {$150.00}. 
Should further clarification be needed, I would be happy to respond as may be needed. 
Thank you. 
Regards, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery initiated a wage garnishment against me without any notice of a court order to allow me to dispute and when requested to verify the debt they denied. This debt far exceeds the statute of limitations on collections. 
I was first notified when the company that handles our payroll notified me of the garnishment. I had to request XXXX XXXX provide me with the papers they received. Only then did I see that PRS supposedly has a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My Equifax inquiry has expired but still appears on my credit report. ( XXXX )XX/XX/XXXXXXXX XXXX XXXX ( XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing inaccurate or unverified information on my credit reports. The furnisher/CRA has not demonstrated accuracy or a reasonable investigation. Im requesting deletion if unverified, or complete correction of all fields ( dates, status, balance, payment history ). For late-payment issues, remove any late codes posted when payment was under 30 days past due or otherwise misdated. Please update all three CRAs and provide written confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
Account XXXX XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. if you belive you sent proper notifucation, please provide 'Certified Mail ' with receipy displaying my signature. if not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax and XXXX XXXX XXXX for continued and misleading negative reporting on a closed and transferred account, which is no longer owned by XXXX. 
The account XXXX XXXX XXXX Account # XXXX was closed on XX/XX/year> and marked as Transferred/Sold with a {$0.00} balance, which indicates XXXX no longer owns the debt. Despite this, Equifax continues to report the account as Charge-Off with active derogatory status codes.

Under FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 602 ( A ), a furnisher can not continue to report an account as a charge-off if it no longer owns or services the debt, as it is misleading and creates the appearance of an active delinquent obligation.

Additionally, FCRA 605 ( c ) prohibits re-aging or continued negative reporting after a debt has been sold or transferred, especially when the balance is {$0.00}. The continued appearance of this tradeline with charge-off status is misleading, inaccurate, and punitive.

I am requesting that this tradeline be fully deleted from my Equifax report, as XXXX no longer has furnishing authority after transfer and the account can not legally remain as an active charge-off tradeline once closed and sold. 
If XXXX and Equifax can not provide documentation proving they still legally own and service this debt, the account must be deleted immediately under FCRA 611 ( a ) for inability to verify current furnishing rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against BANK OF AMERICA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

BK OF AMER XXXXXXXX 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 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NC

Complaint narrative:
Ive previously reached out to this company on XX/XX/year>, regarding getting the collection of {$1900.00} removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation