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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am filing this complaint because both Transunion and Equifax continue to report an incorrect and outdated address, XXXX XXXX XXXX XXXX XXXX XXXX on my credit file despite the fact that I have never lived at this location or been associated with it in any valid capacity, and I have already contacted both bureaus to dispute this error under my rights provided by FCRA Section 611, which requires the prompt investigation and correction of inaccurate information. This false address appears within the personal information section of my reports and has caused confusion and concern regarding the accuracy of my credit file, creating unnecessary risk of misidentification and the potential attachment of accounts or inquiries that do not belong to me. I have submitted proof of my correct and current address, yet the incorrect address remains, and the bureaus have failed to delete or remove it as required by FCRA 605, which clearly mandates the removal of outdated, irrelevant, or unverifiable information. Their refusal or failure to correct this error has undermined my confidence in the integrity of their reporting systems and has placed me in a vulnerable position where inaccurate personal information may negatively affect my creditworthiness, applications, and identity security. I am requesting CFPB intervention because both bureaus have had adequate time and documentation to verify the inaccuracy, and their continued reporting of this wrong address represents a failure to maintain maximum possible accuracy and a violation of my consumer rights under 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: 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: DC

Complaint narrative:
I am filing this complaint because several accounts on my credit reports are being reported inaccurately and inconsistently across the major credit bureaus, creating a misleading and conflicting credit profile despite my efforts to ensure all information is correct and updated. The account XXXX XXXXXXXX shows different balances, activity dates, and late-payment reporting between Equifax and TransUnion, with Equifax XXXX a {$200000.00} balance and a XX/XX/XXXX activity date while TransUnion lists a {$200000.00} balance with a XX/XX/XXXX activity date, resulting in contradictory reporting for the same account. My DEPTEDNELNET XXXX student loan is reported by TransUnion with a XX/XX/XXXX activity and reporting date that does not align with my actual loan servicing records, raising concerns over accurate data furnishing. The XXXX XXXX account shows a XXXX balance but completely different dates between Equifax and TransUnion Equifax reports a XXXX activity date but updated it in XXXX, while TransUnion maintains XXXX XXXX activity and reporting date which creates an artificial discrepancy in long-closed records. The XXXX XXXX account also contains conflicting reporting between bureaus, where Equifax updated the account on XX/XX/XXXX while TransUnion lists a XX/XX/XXXX update for an account that has reflected a XXXX balance since XX/XX/XXXX. Finally, the XXXX XXXX XXXX XXXX account also conflicts across the bureaus, as Equifax reports a XX/XX/XXXX activity date with a XX/XX/XXXX update while TransUnion reports both activity and reporting dates as XX/XX/XXXX. These differences violate the accuracy, completeness, and consistency standards required under FCRA 611 ( 15 U.S.C. 1681i ), FCRA 623 ( a ) ( 2 ), FCRA 623 ( b ), and the creditor obligations regarding correct and updated information under 15 U.S.C. 1666 and 1666a, and I am requesting CFPB assistance because the inconsistent reporting continues to harm my creditworthiness and does not reflect the correct, updated information that furnishers are legally required to provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am submitting this letter to request a renewed and thorough review of my prior complaints filed with the Consumer Financial Protection Bureau regarding XXXX XXXX XXXX XXXX handling of my deposited settlement check from Captive Total Loss ( XXXX XXXX ). 

I previously filed two separate complaints, both of which were closed without a proper investigation or explanation. Despite providing full documentation and evidence, my cases were dismissed without addressing the core issues raised.

Navy Federal withheld my settlement funds for approximately XXXX and one-half ( XXXX ) months, during which : I received no written notice of a hold, No explanation was provided for the prolonged delay, My appeals were denied without documentation or reasoning, and My ability to maintain financial stability for myself and my children was significantly impacted. 

The lack of investigation into my prior CFPB complaints has resulted in continued hardship, including emotional strain, financial delays, and extended disruption to daily life and necessary responsibilities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NC

Complaint narrative:
I am submitting this follow-up to emphasize the urgent need to resolve the issues outlined in my original complaint regarding inaccuracies, outdated information, and unverifiable items on my credit reports with Experian, Equifax, and TransUnion. As previously noted, my current and verified address is XXXX Castle XXXX XXXX XXXX XXXX, NC XXXX, and all other addresses listed, including XXXX XXXX XXXX, XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX, and XXXX XXXX Notch, XXXX, SC XXXX, are incorrect and must be removed. Additionally, I dispute several collection accounts, including XXXX XXXX ( XXXX XXXX : XXXX ), account number XXXX, with a balance of {$240.00}. These accounts must be fully verified with documentation, including proof of assignment, ownership, and account history. If these can not be verified, they should be deleted in accordance with FCRA XXXX, XXXX, XXXX, and XXXX. I also dispute multiple inquiries, including XXXX XXXX XXXX, XXXXXXXX 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 and XXXX XXXX. I request each bureau verify the authorization and legitimacy of these inquiries, and any that can not be verified should be removed. I respectfully request that these matters be resolved in accordance with the Fair Credit Reporting Act and that I receive confirmation once these corrections are made.

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: NC

Complaint narrative:
I am submitting this follow-up to emphasize the urgent need to resolve the issues outlined in my original complaint regarding inaccuracies, outdated information, and unverifiable items on my credit reports with Experian, Equifax, and TransUnion. As previously noted, my current and verified address is XXXX Castle XXXX XXXX XXXX XXXX, NC XXXX, and all other addresses listed, including XXXX XXXX XXXX, XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX, and XXXX XXXX Notch, XXXX, SC XXXX, are incorrect and must be removed. Additionally, I dispute several collection accounts, including XXXX XXXX ( XXXX XXXX : XXXX ), account number XXXX, with a balance of {$240.00}. These accounts must be fully verified with documentation, including proof of assignment, ownership, and account history. If these can not be verified, they should be deleted in accordance with FCRA XXXX, XXXX, XXXX, and XXXX. I also dispute multiple inquiries, including XXXX XXXX XXXX, XXXXXXXX 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 and XXXX XXXX. I request each bureau verify the authorization and legitimacy of these inquiries, and any that can not be verified should be removed. I respectfully request that these matters be resolved in accordance with the Fair Credit Reporting Act and that I receive confirmation once these corrections are made.

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: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I bought gold off of XXXX with my credit card and when the gold came I had it tested and it was fake so I contacted XXXX and they didnt help so I disputed the charge on my Apple Card with evidence and a letter from a local XXXX and I keep losing the dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Someone had used my name without my knowledge to open a telephone line

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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.
State: TX

Complaint narrative:
I am filing this complaint against Experian because this is now the third formal request to correct and update my personal information, and Experian has failed to take appropriate action as required under federal law. Despite multiple written disputes, Experian continues to report inaccurate, outdated, or unverified personal information on my credit file, including names, addresses, employers, and other identifiers that do not belong to me. This continued inaccuracy violates multiple federal consumer protection laws. 

My only correct and verified personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Employer : XXXX XXXX XXXX XXXX  Any other names, aliases, variations, previous addresses, or employment information must be deleted immediately, as they are incorrect, unverified, and misleading. 

Experian is in violation of FCRA Section 611 ( 15 U.S.C. 1681i ) for failing to conduct a reasonable reinvestigation ; FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) for failing to maintain maximum possible accuracy ; and FCRA Section 609 ( 15 U.S.C. 1681g ) for failing to provide complete disclosure of the information they are reporting. Additionally, Experians mishandling of my personal information constitutes violations under FACTA, the Gramm-Leach-Bliley Act, ECOA, and the Consumer Financial Protection Act for potentially engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). 

This is the third time I have provided identification and documentation verifying my true personal information. Experian has repeatedly failed to correct these errors, causing continued inaccuracy, potential identity-mixing, and harm to the integrity of my consumer file. 
I am requesting immediate correction of all inaccurate personal information. If Experian fails to comply within the 30-day reinvestigation period, I will proceed with formal complaints to the CFPB, the FTC, and the Texas Attorney General. I will also consider civil action under FCRA Sections 616 and 617 for willful and negligent noncompliance. 

Experian must correct this information immediately. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I deposit a {$50.00} money order I received as a birthday gift on XX/XX/year> through Wells Fargo ATM machine. I received a letter from their ATM deposit exceptions dept. that my money order wasn't acceptable. I called on XX/XX/XXXX to inquire about the letter. I was told my money order seemed to be alter due to my last name being bold. I was told the money order has been shredded. I informed the person that I will need the original money order to receive a replacement. I called my friend who send me the money order as a birthday gift to let her know about this situation. She took her receipt back to the XXXX facility were she purchased the money and was told I will need the original money order back to receive another money order. I also went into the XXXX office closer to me and was inform of the same as my friend who send me the money order. I also went into Wells Fargo branch to see what can be done to refund my {$50.00} for the money order. I was told by XXXX XXXX another female who works in an office there's nothing they can do. I feel Wells Fargo should be held accountable for shredding the original money order and reimburse my {$50.00}.

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 2025-12-09 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: CA

Complaint narrative:
I am submitting this complaint regarding numerous inaccurate, incomplete, and potentially misleading items reported on my credit files by Experian, Equifax, and TransUnion, which are materially affecting my creditworthiness and financial opportunities. On Experian, I dispute the following charge-offs :XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX, {$350.00} XXXX. On TransUnion, I dispute charge-offs : XX/XX/XXXXXX/XX/XXXX. Many of these entries appear inaccurate, outdated, misreported, or lack verification, potentially violating the Fair Credit Reporting Act ( FCRA 605 ( a ), 605 ( c ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) ) and the Fair Debt Collection Practices Act ( FDCPA 807, 808, 809 ), as balances, dates, account ownership, and authorization for inquiries may not be fully verified or legally permissible. I request a thorough investigation of all the listed accounts, collections, and inquiries across all three credit bureaus and correction or removal of any unverifiable, inaccurate, or misleading information to ensure my credit reports accurately reflect my financial history.

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: CA

Complaint narrative:
I am submitting this complaint regarding numerous inaccurate, incomplete, and potentially misleading items reported on my credit files by Experian, Equifax, and TransUnion, which are materially affecting my creditworthiness and financial opportunities. On Experian, I dispute the following charge-offs :XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX, {$350.00} XXXX. On TransUnion, I dispute charge-offs : XX/XX/XXXXXX/XX/XXXX. Many of these entries appear inaccurate, outdated, misreported, or lack verification, potentially violating the Fair Credit Reporting Act ( FCRA 605 ( a ), 605 ( c ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) ) and the Fair Debt Collection Practices Act ( FDCPA 807, 808, 809 ), as balances, dates, account ownership, and authorization for inquiries may not be fully verified or legally permissible. I request a thorough investigation of all the listed accounts, collections, and inquiries across all three credit bureaus and correction or removal of any unverifiable, inaccurate, or misleading information to ensure my credit reports accurately reflect my financial history.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX I need this dispute claim number to be appeal to be reopen and re investigation and assign to a new dispute claim investigator because I disagree with the old decision was made on it and I want a new decision to be made to it and here is the information Case ID : XXXX Disputed amount : {$32.00} USD Receiver info : XXXX XXXX XXXX Date XXXX XXXX XX/XX/year> and dispute it as didnt received order etc. 

Both users name is XXXX XXXX and is XXXX haveitallnunless both same users is using yall platform to scam customer and and do fraud and dont send them their order or do their service for that was asked and ask for more money and demand it or blackmail them or threat them with escort XXXX XXXX  or content selling service both accounts need to be investigated and punishment and permanent ended and disable their account and banned this account and end their PayPal relationship

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: DC

Complaint narrative:
I notice and I am disputing an account that XXXX XXXX XXXX is reporting on my credit file for an alleged XXXX balance of {$1000.00}. I do not recognize this debt, and XXXX XXXX has failed to provide any legally required validation after I disputed it. 

XXXX XXXX is reporting a Date of First Delinquency of XX/XX/year> and a balance of {$1000.00}, but they have not provided any proof that this debt is mine, how the balance was calculated, or any documentation showing they have the legal right to collect it. They have not provided a contract, billing statements, chain of assignment, or any evidence that the information they are reporting is accurate. 

Despite my dispute, they continue to furnish this account to the credit bureaus as unpaid and refuse to verify it. Reporting unverified information after a dispute violates the Fair Credit Reporting Act, and failing to provide validation violates the Fair Debt Collection Practices Act. 

Their inaccurate reporting has harmed my credit and caused financial and personal stress. I am requesting the CFPBs assistance to require XXXX XXXX to fully validate the debt or delete it from my credit reports and stop all collection activity unless they can prove the debt is legitimate.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: LA

Complaint narrative:
There is an unauthorized hard inquiry from Consumer Portfolio Services ( CPS ) dated XX/XX/year> on my credit report. I never applied with CPS and did not authorize any credit check. 
Under FCRA 604, CPS must have permissible purpose and consumer authorization. I requested proof under FCRA 609 ( a ) ( 1 ) and they can not show any signed credit application or consent. 
This inquiry is unauthorized, harming my credit, and must be removed. I request CFPB assistance.

Company response to consumer: Closed with explanation