vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: GA

Complaint narrative:
XXXX XXXX has been reporting an inaccurate auto loan balance to the credit bureaus for multiple months despite its own internal records reflecting the correct balance. 

According to XXXX XXXX customer portal and statements, my correct loan balance as of XX/XX/year> is {$17000.00}, and a payment of {$690.00} was successfully received and applied on that date. However, Experian and XXXX  continue to report an inflated balance of {$19000.00}, which is approximately {$2000.00} higher than the accurate balance. 

I disputed this inaccurate balance with the credit bureaus, and those disputes were completed. Despite having actual knowledge of the correct balance through its internal records, XXXX XXXX failed to update or correct the information it furnished to the credit bureaus. 

I contacted XXXX XXXX multiple times by email to request correction of the inaccurate reporting and received no response. The inaccurate balance has continued to be reported for several months.

As a direct result of this continued inaccurate reporting, my credit score has remained suppressed. I was denied a Direct Student Loan, which prevented me from assisting my son with college tuition and related educational expenses. This represents ongoing financial harm caused by XXXX XXXX failure to update previously furnished information. 

XXXX XXXX actions constitute continued inaccurate reporting and failure to correct known errors after notice, in violation of the Fair Credit Reporting Act. I am requesting immediate correction of the reported balance with all credit bureaus and written confirmation that accurate information has been transmitted.

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 2025-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX I was trying to receive money from a washer and dryer set I was selling when the gentleman put my information in That's when I found out my account was temporarily frozen/ suspended. 

I called Venmo to figure out why it was frozen .They could not give me any detail as of why but they would expedite the information to a XXXX and I should hear back from them. This is unfair financial practice because I only use Venmo to receive money. I do not use it often.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems regarding an alleged collection account originally attributed to XXXX. I never received any initial written notice of this debt prior to it being placed on my credit reports, in violation of FDCPA 809 ( a ). I first became aware of this account only through my credit reports. Upon review, Jefferson Capital is reporting the same alleged debt with multiple account numbers and inconsistent creditor names, including account number XXXX reported under JEFFCAPSYS ( Original Creditor : XXXX ) and a separate account number XXXX reported as JEFFERSON CAPITAL SYST, with differing representations across XXXX  and XXXX. Additionally, the appearance of alternate creditor identifiers, including XXXX, further obscures the true identity of the reporting party. This fragmented and contradictory reporting renders the account materially inaccurate and misleading. After discovering these inconsistencies, I disputed the account and requested proper validation ; however, Jefferson Capital failed to provide proof of ownership, a complete chain of custody from XXXX, an itemized accounting, or any contract or agreement bearing my signature. Internal data, summaries, or recycled creditor information do not constitute validation. Despite the absence of notice, validation, or accurate reporting, Jefferson Capital continues furnishing this account, which violates the FCRA, FDCPA, and XXXX XXXX guidelines. Jefferson Capital has a documented history of consumer complaints, litigation, and regulatory scrutiny for similar unlawful collection and reporting practices, and this conduct reflects a pattern of willful noncompliance rather than an isolated error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint to report ongoing inaccuracies and compliance failures related to information being reported on my consumer credit report. I previously disputed the items listed below directly with the consumer reporting agencies and furnishers. This is my second formal attempt to resolve these matters. Despite prior disputes, the inaccurate information remains. As of the date of this complaint, I have not submitted an FTC report, and this CFPB complaint remains my active method of escalation to obtain compliance with federal law. 
XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account is being reported with late payment history. The late payment notation is inaccurate. I did not make any late payments on this account. Reporting incorrect payment history violates the FCRA requirement for maximum possible accuracy. I am requesting correction of the payment history to reflect accurate, on-time status only. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9800.00} Charge Off This account is being reported as a charge-off. I have no knowledge of any account that would justify a charge-off in this manner. The reporting is unverifiable and has not been properly validated. If the furnisher can not provide complete documentation proving ownership, balance accuracy, and legal responsibility, this account must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account reflects late payment information that is inaccurate. I did not have late payments as reported. This is a factual reporting error, and I am requesting correction of the payment history only, not deletion of the account. 
XXXX Inquiry dated XX/XX/XXXX I did not authorize this credit inquiry. 
XXXX Inquiry dated XX/XX/XXXX I did not authorize this credit inquiry. 
XXXX XXXX dated XX/XX/XXXX I did not authorize this credit inquiry. 
Unauthorized inquiries are inaccurate, lack permissible purpose under the FCRA, and must be deleted immediately unless verifiable written authorization can be produced. 
The failure to correct or delete these items after prior disputes demonstrates non-compliance with federal consumer protection law. I am requesting CFPB assistance to ensure that a lawful investigation is conducted, inaccurate information is corrected, unverifiable information is deleted, and my credit report reflects only accurate and properly verified data. I am also requesting written confirmation of the actions taken to resolve this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I noticed my credit rating dropped on my credit report and it was due to a car lease that i had with Four Leaf Credit Union. They reported the lease open and the delinquent since XXXX of XXXX. I spoke to them and let them know the lease was returned and there was never any late payments. They referred me to an email address for their dispute department. I sent them all of the proof from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and a copy of the check for the final payment that was made in XXXX. I have not gotten a response or an indication anything was received. There is no phone number for the dispute department at XXXX. I am trying to lease a new car and can't with this false delinquency on 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 explanation
Consumer complaint received 2025-12-27 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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
Consumer complaint received 2025-12-27 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: IA

Complaint narrative:
Ive noticed multiple fraudulent accounts reporting to my credit file without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
I reached out to Cash app formally to request my tax documents and data for record purposes in which they refuse and prohibited me from obtaining my documentation, which seems as some form of privacy violation and data collection fraud. When I asked for assistance and requested to speak to a supervisor, they actually refused and prohibited me from speaking to one and refuse to escalate the complaint to provide any level of assistance. They actually directly advise me that since I dont have an account at this point in time Im unable to access my information or obtain any information or receive any additional assistance in obtaining any information so I am requesting that You all please assist me in obtaining my information. I did try a foil request under the freedom of information law in which day again still refused to provide my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MO

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX  Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Theres multiple address on my credit report that shouldnt be on there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Theres multiple address on my credit report that shouldnt be on there

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 2025-12-27 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: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-27 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: HI

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I sent a cease and desist to american express they failed to obey my request and sued me I will like a proper investigation into the debt because it saying something I don't understand

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-12-27 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: Global Lending Services LLC
State: NY

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX G ] [ XXXX NY XXXX ] [ XXXX ] [ Date : XX/XX/year> ] [ Equifax, TransUnion, Experian ] Subject : Formal Dispute of Unauthorized Credit Inquiries FCRA XXXX XXXX To Whom It May Concern, I am writing to formally dispute several unauthorized " hard '' inquiries on my credit report that I did not initiate or authorize, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

The following inquiries are inaccurate and must be removed : Creditor : GLOBAL LENDING SERVIC, Date of Inquiry : XX/XX/year>, Type : Auto Financing Creditor : GLOBAL LENDING SERVIC, Date of Inquiry : XX/XX/year>, Type : Auto Financing Creditor : CONSUMER PORTFOLIO XXXX, Date of Inquiry : XX/XX/year> Reason for Dispute : I did not apply for credit from Global Lending Services or Consumer Portfolio Services on or around the dates listed. I did not authorize these companies, or anyone on my behalf, to access my credit file. These inquiries were made without a permissible purpose under the FCRA and constitute an error on my report. 

I request that you conduct a reasonable investigation into these items as required by FCRA Section 611. If you can not verify that I authorized these credit checks, they must be deleted from my file immediately. 

Enclosed is a copy of my credit report with the disputed inquiries clearly circled. Also enclosed are copies of my driver 's license and a utility bill for proof of identity and address. 

Please send me the results of your investigation in writing. If your investigation does not resolve the dispute, I also request that you include a statement of the dispute in my file and in any future reports, as provided for by the FCRA. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
Ross Credit Card did not fully removed the credit card from the report- it only delete and charge off. I have sent a letter requesting to removed completely with no update or response.

Company response to consumer: Closed with explanation