vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: WI

Complaint narrative:
Upon checking my TransUnion credit report, I found some damaging accounts that need to be removed as they do not belong to me. The first account is XXXX XXXX XXXX, reflecting a balance of {$3200.00}. This account does not belong to me. The second account is XXXX XXXX  reflecting a balance of {$240.00}

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 explanation
Consumer complaint received 2025-10-16 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: WI

Complaint narrative:
Upon checking my TransUnion credit report, I found some damaging accounts that need to be removed as they do not belong to me. The first account is XXXX XXXX XXXX, reflecting a balance of {$3200.00}. This account does not belong to me. The second account is XXXX XXXX  reflecting a balance of {$240.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: MI

Complaint narrative:
My credit report contains multiple inaccuracies, including an incorrect address, a duplicate name and date of birth, and late payment statuses that should be updated. In addition, a negative account is being reported that I have already disputed. These errors violate the FCRAs requirement for furnishers and bureaus to ensure maximum possible accuracy. Because of these mistakes, my report is misleading and has negatively impacted my credit standing and financial opportunities.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am requesting correction of my personal identifying information with the credit reporting agency. 

My credit file contains multiple inaccurate and outdated personal identifiers, including former addresses and name variations that are either incorrect or related to prior identity-theft incidents. 

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), consumer reporting agencies must maintain maximum possible accuracy. I have already submitted written disputes and proof of identity, but the incorrect personal information remains. 

Please remove all addresses and all name variations except my current and legal name : XXXX XXXX XXXX. 

I am also requesting verification of the sources that supplied these personal identifiers, as required by FCRA 609 ( a ) ( 1 ), and their deletion under FCRA 611 ( a ) if unverifiable.

These inaccuracies can cause serious harm and may be linked to prior identity-theft activity already documented in my FTC Identity-Theft Reports.

I request prompt deletion and confirmation of an updated, accurate credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am requesting correction of my personal identifying information with the credit reporting agency. 

My credit file contains multiple inaccurate and outdated personal identifiers, including former addresses and name variations that are either incorrect or related to prior identity-theft incidents. 

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), consumer reporting agencies must maintain maximum possible accuracy. I have already submitted written disputes and proof of identity, but the incorrect personal information remains. 

Please remove all addresses and all name variations except my current and legal name : XXXX XXXX XXXX. 

I am also requesting verification of the sources that supplied these personal identifiers, as required by FCRA 609 ( a ) ( 1 ), and their deletion under FCRA 611 ( a ) if unverifiable.

These inaccuracies can cause serious harm and may be linked to prior identity-theft activity already documented in my FTC Identity-Theft Reports.

I request prompt deletion and confirmation of an updated, accurate credit file.

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 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo suspended my account when trying to add my bank on XX/XX/year>. I have funds there and unable to get. They are not responding by phone, only by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
am disputing inaccurate credit reporting by XXXX XXXX XXXX  ( USA ), XXXX. 

I contacted XXXX XXXX directly on XX/XX/year> to verify the account that appears on my credit report. Their representative confirmed that no record exists of any account under my name, Social Security number, or date of birth. 

Despite this, XXXX XXXX continues to be listed on my credit reports with an active or past-due account. This is inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ), as the creditor can not verify or validate the debt.

I have already contacted the credit bureaus to dispute this information, but the inaccurate XXXX XXXX account remains. I am requesting that XXXX XXXX be required to remove this erroneous account from all credit bureau reporting and confirm in writing that they have no record of this debt.

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 2025-10-16 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: PA

Complaint narrative:
am disputing inaccurate credit reporting by XXXX XXXX XXXX  ( USA ), XXXX. 

I contacted XXXX XXXX directly on XX/XX/year> to verify the account that appears on my credit report. Their representative confirmed that no record exists of any account under my name, Social Security number, or date of birth.

Despite this, XXXX XXXX continues to be listed on my credit reports with an active or past-due account. This is inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ), as the creditor can not verify or validate the debt.

I have already contacted the credit bureaus to dispute this information, but the
inaccurate XXXX XXXX account remains. I am requesting that XXXX XXXX be required to remove this erroneous account from all credit bureau reporting and confirm in writing that they have no record of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: PA

Complaint narrative:
This account was paid in full, yet it continues to reflect late payment marks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: AR

Complaint narrative:
I have been submitting disputes against XXXX XXXX auto finance for incorrect reporting data. The past due information is incorrect, the account status is incorrect, the balance information is incorrect, the recent payment information is also incorrect. Im comparing this data across XXXX bureaus Trans Union, Experian, Equifax with the data provided when I log into the portal I have with the DEBTOR. I have requested this information. Be corrected numerous times. However it has been reported the same. The creditor and the bureaus have both failed to see information of how they gained their findings to conduct the investigation and provide a final disposition of the account. Everything is incorrect and its not being corrected. Everything across all three credit bureaus which are major should match exactly. And it should XXXX exactly with what I look at when I log into the XXXX XXXX account. It does not Ive requested this information be fixed corrected numerous times and every time an investigation was conducted. It has been over 30 days that I have not received any disposition about findings or corrections made to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AR

Complaint narrative:
I have been submitting disputes against XXXX XXXX auto finance for incorrect reporting data. The past due information is incorrect, the account status is incorrect, the balance information is incorrect, the recent payment information is also incorrect. Im comparing this data across XXXX bureaus Trans Union, Experian, Equifax with the data provided when I log into the portal I have with the DEBTOR. I have requested this information. Be corrected numerous times. However it has been reported the same. The creditor and the bureaus have both failed to see information of how they gained their findings to conduct the investigation and provide a final disposition of the account. Everything is incorrect and its not being corrected. Everything across all three credit bureaus which are major should match exactly. And it should XXXX exactly with what I look at when I log into the XXXX XXXX account. It does not Ive requested this information be fixed corrected numerous times and every time an investigation was conducted. It has been over 30 days that I have not received any disposition about findings or corrections made to my report.

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 2025-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My father died XX/XX/XXXX. I learned of an {$870.00} cashier 's check issue by Randolph Brooks Federal Credit Union ( hereafter XXXX ) issued in XXXX payable to my father or mother through the Texas Comptroller 's unclaimed property ( hereafterTCUP ) system. I was sent details by TCUP and requirements for claim on XX/XX/XXXX. TCUP required a canceled check or account balance statement from XXXX. I searched for a long period of time and remembered my father mentioning something to me about XXXX but never knew about any account my family had with them even as he was involved at XXXX XXXX XXXX at times for teaching. Without this information, I was denied the claim by TCUP. TCUP suggested I go back to XXXX to ask for records they would have. Beginning XX/XX/XXXX to late XX/XX/XXXX, I contacted many personnel from XXXX by phone and by email including their estate department and provided them with my father 's death certificate, my power of attorney, mother 's ID, father 's ID, my ID, all of the social security numbers, and the claim details from TCUP. They could not help me with any information even though they are required to keep records as they provided them to TCUP. I called Texas Comptroller again and they said to contact XXXX as they could not help me without the copy of the check or a bank statement. So all the lawyers say, it's not enough money for them to investigate. To me this is a lot of money. I would appreciate any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am extremely frustrated to see that unauthorized inquiries are still appearing on my credit report today, and I have no idea why. Even after refreshing my browser, nothing was removed. I urgently need you to carefully review the documents I sent so this issue can finally be resolved.

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 2025-10-16 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: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
Made flight reservations for myself XXXX XXXX and my brother XXXX XXXX on XXXX with XXXX confirmation YIJNDU and signed up for their credit card for the purchase, card number XXXX. I have never used them before, have used southwest for 30 years and wanted to give them a try. They have changed the times for flying twice since I made the reservation for a round trip flight beginning XXXX and the second change being within this last week and I have no confidence they wont change it again up to my and my brothers travel date of XXXX which is the date of a cruise. Their website under returns says If XXXX impacted your trip, you XXXX cancel the impacted flight and request a refund to the original form of payment and per my conversations with them today they are refusing to do so. I can send you a screenshot of that statement on their website under refunds if you want. I spoke with XXXX, XXXX, and XXXX today in succession and they all refused to credit back my XXXX XXXX Jetblue card for the flights which were XXXX. My brother had a biopsy in XXXX of this year and it was either melanoma or nerve sheath tumour but when they removed lemon size tumour in XXXX of this year I called XXXX to cancel because he has XXXX and get refunded and they said no. We kept the flights and realized we can still go on the cruise as his diagnosis after his XXXX XXXX when they removed the lemon sized tumour is favorable, but as I said they now XXXX has changed the flight times twice and I have no confidence they wont do it again and make us miss our cruise and they wont refund the cost back to their jetblue capital XXXX card per their own rules.

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 2025-10-16 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:
Im filing a complaint again because two inaccurate items continue to appear on my credit report despite multiple disputes. This is now my third and final request for permanent removal, not a correction or update. Ive followed every step of the dispute process in good faith, yet both entries remain without certified verification or legal authorization. 
XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance : {$300.00} | Status : Collection * * This collection account has been disputed previously and should have been permanently deleted after prior investigations. I have never received any legitimate documentation verifying that this alleged debt belongs to me or that it is being lawfully reported.

Under the Fair Credit Practices Act ( FCPA 807, 15 U.S.C. 1692e ) and the Fair Debt Collection Practices Act ( FDCPA 809, 15 U.S.C. 1692g ), it is unlawful for any collector to continue reporting information that is false, misleading, or unverified. Furthermore, FCRA 605B / 15 U.S.C. 1681c-2 grants me the right to have unverifiable or inaccurate information permanently deleted and blocked from reappearing.

I have done everything possible to resolve this respectfully and through the proper channels. At this point, this collection must be permanently removed, not corrected or updated, and blocked from any future reinsertion unless certified and lawfully verified. 
XXXX XXXX XXXX Inquiry Dated XX/XX/2025 XXXX XXXX  XX/XX/2025 This inquiries continues to appear on my report even though I never authorized or permitted XXXX XXXX XXXX to access my credit file. No written or verbal consent was ever given.

Under FCRA 604 ( a ) and 604 ( f ) ( 15 U.S.C. 1681b ( a ) and 1681b ( f ) ), a credit inquiries may only occur with a permissible purpose and my direct authorization. None exists here. In addition, FCRA 619 15 U.S.C. 1681q prohibits obtaining or using a consumer report under false pretenses. Since no proof of authorization has been provided, this inquiries is both unauthorized and unlawful.

As with the collection above, FCRA 605B / 15 U.S.C. 1681c-2 provides the right to block and permanently remove such unverifiable information. Therefore, I request that this XXXX XXXX XXXX andXXXX XXXX XXXX inquiry dated XX/XX/2025 be permanently deleted and prevented from future reinsertion unless verified with certified documentation bearing my authorization.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems LLC and/or their law firm for filing a lawsuit against me that contains incorrect identifying information. The lawsuit lists the wrong name and/or address, and I believe I am not the person associated with this alleged debt.

The plaintiff appears to have failed to verify my identity before initiating legal action. This may violate several consumer protection laws, including : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 2 ) ( A ), for falsely representing the character or legal status of a debt and attempting to collect from the wrong person.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), if inaccurate credit report information led to this mistaken lawsuit. 

XXXX XXXX ( XXXX ), 12 U.S.C. 5531, for engaging in unfair or deceptive practices by filing a lawsuit without proper verification of identity or address.

I request that the CFPB investigate this matter and ensure that the company withdraws or corrects any lawsuit filed against the wrong person. 

I am attaching copies of the lawsuit, showing the incorrect name/address, and proof of my correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: Central Portfolio Control Inc.
State: GA

Complaint narrative:
I am filing this complaint against Central Portfolio Control for inaccurate reporting of a collection account on my TransUnion credit report. The account listed as a collection from XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is not mine and was reported without my authorization or verification. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the CFPB investigate this matter and require Central Portfolio Control and TransUnion to provide full verification of this alleged debt or remove it entirely from my credit reports. This collection account has negatively affected my credit standing, and I am requesting its deletion as it is inaccurate and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
In XXXXXXXX XXXX XXXX  I started getting my wages garnished at 25 %. I had no idea there was a court ordered garnishment until I got ahold of my payroll company. I figured out the debt was from an old car loan that went into default 8 years ago. The collections went on to a different debt collector, and I am just unsure of how legal this process is. I was not notified of this collection and had no chance to defend myself in court. 

I contacted the current collection agency to see if there was any way I could settle, and they treated me very poorly and told me there was no way I could stop the garnishment unless I paid them the full amount due. 

This wage garnishment is affecting my entire family as I am not able to afford a lot of necessities including food, my own place to live, and a decent running vehicle. 

I would like for this garnishment order to be stopped, and I am unsure of the steps needed to take. Please help me in any way you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica
State: NM

Complaint narrative:
I have XXXX XXXX and they froze my card over 2 months ago and I get XXXX  and they rejected my ID verification and I have not received my check in 2 months I opened a new account with another bank and they should have already transferred the money to my new account but haven't SSA verified my identity but XXXX XXXX won't I need my check from this month and last month

Company response to consumer: Closed with non-monetary relief