vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
I am submitting this complaint because I believe several items on my credit reports are being reported inaccurately and need to be investigated and corrected. I have attempted to resolve these issues directly with the credit bureaus, but the results have been unsatisfactory. I am requesting the XXXX XXXX XXXX XXXX assistance in ensuring each bureau conducts a full, fair, and reasonable reinvestigation in compliance with the Fair Credit Reporting Act ( FCRA ). 


Disputed Accounts : XXXX XXXX, Account # XXXX, Date Opened : XX/XX/year> Charged Off I am disputing the accuracy of this reported charge-off. Please provide full validation from XXXX XXXX or remove this item if it can not be verified. 

Late Payments : XXXX, Account # XXXX Brigit/CoastalCBK/ARY, Account # XXXX These late payments appear to be inaccurately reported. I request a reinvestigation and verification with original documentation. Any unverifiable data should be deleted. 

Inquiries : No unauthorized inquiries reported on TransUnion at this time.

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 2025-11-25 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: IL

Complaint narrative:
Dear XXXX, I am writing to dispute the information on my TransUnion credit report, as the following entries are inaccurate and need correction : Charged Off Accounts : Bankruptcy Account Number : 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

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased XXXX tickets for the XXXX XXXX XXXX XXXX event through XXXX XXXX their monthly installment payment plan. The event took place on XX/XX/year>. 

When I arrived at my seats ( Section B3, Row 4, Seats 1213 ), someone else was already sitting there with the exact same ticket information. Security confirmed these were duplicate tickets and moved me to a standing-room-only area instead of the seats I paid for. 

I immediately contacted XXXX after XXXX event and also filed a BBB complaint the following days. After more than XXXX weeks of back-and-forth messages, XXXX refused to issue XXXX refund or cancel the remaining balance. 

Ticketmasters responses were contradictory : they stated they were not made aware of any duplicate ticket issues from the venue, yet also claimed that the venue handles guest issues and that regardless of whether an issue occurred, XXXX is only responsible for guaranteed entry. This reasoning ignores the fact that I did not receive the seats I paid for and instead was placed in an inferior, standing-room-only area. 

I then opened a dispute with XXXX ( the installment loan provider ), but they also declined to assist because XXXX refused to adjust the transaction. As a result, I am being forced to continue making monthly payments for a product I did not receive due to duplicate ticketing an issue completely outside my control. 

I am requesting CFPB assistance to : Cancel the remaining balance on the installment plan Stop further monthly charges Issue a refund of payments already made for services not properly delivered I have made every good-faith effort to resolve this with the company directly, but Ticketmasters refusal XXXX acknowledge the duplicate ticket issue or provide any remedy leaves me with no other option.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
In 2025 my vehicle was repossessed despite the fact that I had an active dispute and had formally requested documentation necessary to verify the legitimacy of enforcement actions. The repossession was carried out at night on private property, without prior coordination or opportunity to remove personal effects, and in a manner constituting a breach of the peace. After the repossession, I received multiple notices that contained contradictory information regarding the vehicles location, storage, redemption procedures, and anticipated sale. These notices did not provide functional means to recover the vehicle or retrieve personal property, and no inventory of the removed property was ever provided. 

Prior to the repossession, I submitted written dispute materials and expressly requested verification of creditor identity, chain of custody of the contract, calculation methodology for the amounts claimed due, and clarification regarding which Ally entity was asserting authority. The company responded in writing that it received my dispute but refused to review or address it, stating it did not understand the purpose, and then proceeded with charge-off, repossession, and disposition activities anyway. Throughout this period, I encountered conflicting entity identities ( Ally Bank, Ally, Ally Financial, Ally Auto, Ally XXXX XXXX, and third-party agents ), none of whom could provide verification of authority or lawful standing. 

This complaint is directly related to the prior CFPB case XXXX. XXXX, which was closed without resolving the issues, and the harm has continued and escalated since that filing. The company has asserted in writing that it violated no federal or state laws ; however, I have not been provided clear, accurate, or legally compliant disclosures regarding the vehicles status, sale, title, surplus/deficiency calculations, or personal property handling. I remain without transportation, without confirmation of the vehicles disposition, without access to my personal propertyincluding important legal documentsand without any means to resolve the matter. The prior CFPB complaint was closed without resolution even though the violations and harm were ongoing, which has materially worsened my damages. 

This situation is causing continuing and escalating financial, professional, and personal harm. I am requesting : ( XXXX ) immediate disclosure of the vehicles status, title, and accounting ; ( XXXX ) return of the vehicle or full replacement value if sold ; ( XXXX ) return or compensation for my personal property ; ( XXXX ) removal of negative credit reporting ; and ( XXXX ) substantial financial compensation for ongoing damages resulting from the companys actions and failures to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SERVICEMAC, LLC
State: DE

Complaint narrative:
This is a followup on complaint XXXX. The company provided a response to someone else 's complaint, not mine. This is unacceptable incompetence that they aren't even able to respond to a complaint that resulted from their incompetence. This issue needs to be escalated to someone who is competent, since clearly the front line reps are not capable, or not given the tools they need to even do a basic function of their job.

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 2025-11-25 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 have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-11-25 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: TX

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-11-25 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: NC

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: JRG FUNDING LLC
State: TX

Complaint narrative:
Subject : Fraudulent debt collection practices, interference with customers, misuse of XXXX filings I am a business owner in Texas. My company entered a merchant cash advance agreement with JRG Funding LLC in XX/XX/year>. 

Despite remaining current and not in default, XXXX Funding and their collection counsel, XXXX XXXX XXXX, attempted to coerce payment by contacting XXXX of my customers ( Kates Pampered Pooch LLC ) with a fraudulent XXXX XXXX notice. 

The document falsely stated that I was in breach of contract and instructed my customer to divert funds away from my business and send them directly to XXXX XXXX. They claimed legal authority they do not have. 

No court has issued a judgment, garnishment, XXXX, award, or order. There is no lawful basis to contact and intimidate my customers or seize receivables. 

This conduct is deceptive debt collection and unlawful harassment. It has damaged my business reputation, interfered with my contractual relationships, and caused financial harm. 

Please investigate JRG Funding LLC and XXXX XXXX XXXX for abusive debt collection practices and fraudulent XXXX misuse. 

Evidence : Exhibit A XXXX XXXX notice sent to my customer Exhibit B XXXX filing document

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
This is not only a complaint but also a formal request for debt validation submitted to Rent Recovery Solutions through the CFPB. I have attached my written request for validation, which specifies the documents required to lawfully verify the debt under the Fair Debt Collection Practices Act ( FDCPA ). These include the original signed contract, proof of ownership or assignment of the debt, the purchase agreement, and a full accounting of the balance claimed. I am submitting this request through the CFPB platform to ensure that Rent Recovery Solutions receives it, is required to respond, and is held accountable under federal law. I trust that the CFPB will forward my attached letter along with this complaint to the company for their proper action. In addition, I request further information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : 1. ) The Date of First Delinquency ; 2. ) The date the account was charged off ; and 3. ) The date the account was acquired by or assigned to Rent Recovery Solutions.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: WA

Complaint narrative:
My Cash App card was used unauthorized and cash app keeps denying my dispute why I wasnt even the one who had made the purchases. Which the total was {$33.00} at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld Systems is reporting a {$17000.00} collection account under the name XXXX XXXX XXXX FL. I am disputing this debt because it is not mine and I have never signed any contract with XXXX. 

My original vehicle contract ( attached ) clearly shows the only creditor was XXXX XXXX XXXX, NOT XXXX. There is no XXXX warranty, XXXX insurance, or service contract listed anywhere on my signed contract. There is no signature authorizing any XXXX product. 

The amount XXXX is attempting to collect does not match any amount in my contract. XXXX claims an original balance of {$13000.00} that somehow increased to {$17000.00}, but my signed contract shows no such amount and no relationship with XXXX at all. 

The dates also do not match. The alleged XXXX account is reported as opened on XX/XX/year>, but my actual vehicle contract was signed on XX/XX/year>. This makes the account factually impossible and incorrectly reported. 

I requested documentation and validation of this alleged debt, including a signed contract, itemization, and proof that XXXX was ever my creditor. No documentation was ever provided. 

This appears to be an attempt to collect a debt that I do not owe, based on an account I never agreed to, from a company I never did business with. This violates the FDCPA and FCRA. I am requesting a full investigation and removal of this inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 submitting this complaint to the CFPB regarding several items on my credit report that are incorrect and need to be addressed. Below, I have outlined the details of the accounts in dispute, separated by each credit bureau : Charged Off Accounts : AA/CBNA Account Number : 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 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

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 2025-11-25 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:
I am disputing the following items on my TransUnion credit report. These items are inaccurately reported and do not reflect my correct credit history. 

Charged Off Accounts : KIKOFF Account Number : 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

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a follow-up complaint regarding Capital Ones XXXX XXXX to comply with the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes with the credit bureaus and a direct dispute submitted through the CFPB, Capital One has continued reporting inaccurate, unverifiable, and inconsistent information on my credit file. 

Their response letter ( dated XX/XX/year> ) confirms several violations. Capital One admits they can not provide a signed application or original documentation for the account, yet they continue to report the account as accurate. This violates FCRA 609 ( a ) ( 1 ) ( A ), which requires them to provide the original documentation used to verify the account. They also failed to provide the legally-required method of verification, violating FCRA 611 ( a ) ( 7 ).

Additionally, Capital One did not conduct a reasonable reinvestigation as required under FCRA 611 ( a ) ( 1 ) ( A ). Instead, they simply stated they are declining my request for correction, despite not providing any evidence to support the accuracy of their reporting. This is not a lawful reinvestigation. 

They also failed to properly update all credit bureaus regarding the dispute, violating FCRA 623 ( a ) ( 3 ), and they continue to furnish information that can not be substantiated, violating FCRA 623 ( a ) ( 1 ).

I am requesting the CFPB to require Capital One to : 1. Provide full validation and documentation for the account OR 2. Delete the account from all three credit bureaus for failure to verify and failure to comply with the FCRA. 

Because this has now become a pattern of noncompliance after multiple disputes under FCRA and CFPB intervention, I am requesting full deletion as the appropriate remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
I am filing this complaint because there are multiple inaccuracies on my credit reports across the XXXX major credit bureaus. I have attempted to dispute these items directly, but they remain uncorrected. I am requesting that the CFPB assist in having these issues properly investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Accounts [ No specific account listed, but I am disputing any charged-off accounts appearing on my Experian file. These accounts are inaccurate or unverifiable. ] Inquiries XXXX XXXX XXXX XX/XX/year> I did not authorize this inquiry. Please provide documentation showing my consent or remove it immediately from my file. 

Late Payments XXXX XXXX, Account # XXXX XXXX payment reporting is inaccurate. 

XXXX Mortgage XXXX, Account # XXXX I dispute the reported late payments ; they are inaccurate and should be corrected or deleted.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law.

Company response to consumer: Closed with explanation