vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MS

Complaint narrative:
On XX/XX/year>, I paid off a debt originally owed to XXXX, which had been sent to a collections agency, Jefferson Capital System. The collection agency has since confirmed payment and provided me with a Paid in Full letter verifying that the balance has been satisfied. 

Despite this, my XXXX account still shows the debt as due or unpaid. I have contacted XXXX multiple times to resolve this issue, but I have not received any effective assistance or confirmation that the account has been updated. 

This ongoing inaccuracy is concerning and may negatively affect my financial standing and credit profile. I have attached the Paid in Full letter and proof of payment to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

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 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On and for the record, FIFTH THIRD BANCORP is in severe violation of Federal law including but not limited to the Uniform Commercial Codes for THEFT OF MY PRIVATE AUTOMOBILE. On and for the record, an agent at FIFTH THIRD BANCORP has authorized the THEFT of my financed automobile despite the fact that the balance has been tendered in full as confirmed by the IRS, despite the fact that the contract was also converted into a marketable security to give valuable consideration and tender of the debt as well as in accordance with 31 CFR 328.6 and despite the SEVERAL reports I filed with the CFPB which XXXX ignored. Furthermore FIFTH THIRD BANCORP ignored the fact that I am now the Lienholder of the property. On and for the record, the agents who stole the property on behalf of FIFTH THIRD BANCORP is the tow company BULLDOG TRANSPORT AND REVOVERY. XXXX XXXX XXXX  XXXX instructed me to contact the lienholder in order to correct this matter which is a clear indication of the FRAUD between XXXX XXXX AND XXXX and FIFTH THIRD BANCORP because I XXXX XXXX AM the ONLY Lienholder of this property as confirmed by a UCC-11 search.

A copy of the 1099A used to tender this debt, as well as the copy B received from the IRS to confirm the fact that this debt was tendered in full, as well as a copy of the contract which I endorsed and converted into a marketable security for discharge of this obligation in accordance with 31 CFR 328.6, as well as the UCC1 lien I have against the property shall be attached to this notice to evidence the fact that this debt has been paid in full and I am the only one who possesses the power to repossess the automobile which proves that my property was u lawfully STOLEN and I reserve all rights to equitable compensation for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am sending to you regarding my account REGIONAL ACCEPTANCE CO XXXX, currently showing a balance of {$6300.00}, which has been reported with one or more late payments. I appreciate the services Ive received from your company, and my goal in sending this letter is to request a review and removal of the reported late payments in accordance with the federal consumer protection laws that ensure fairness, accuracy, and verified 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 explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
I requested medical records oXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> where I was told my insurance with access took care of it. Almost two whole years later this ends up in collections without any knowledge that I even owed any money to begin with. I have never recieved a call, email, or mail with any bill or notice of debt. And one day two different amounts for the same hospital visit that I never heard from about any amount due in any way hits my credit. I asked to verify proof they billed me and never received one. One account closed for the lesser amount and the second larger one opened now they are both open and I have yet to receive any type of information on this debt which came out of nowhere. Im extremely frustrated with how this is allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: MD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-23 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: TN

Complaint narrative:
I am filing a complaint because there is inaccurate and/or fraudulent information appearing on my credit report. I have already disputed these items directly with the credit bureaus, but they remain uncorrected. 

The information being reported does not belong to me and is negatively affecting my credit profile. I have provided proper identification and documentation during my dispute, but the bureau has not conducted a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
I was paying {$40.00} every month for couple years but with this inflation and my low pay I couldn't afford it anymore. I explained many times. Than almost XXXX XXXX ago I received papers from my XXXX XXXX  with a judge order to garnish my account. 
I can't afford to live with this nonsense

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Im being charge for a online poker game that I did not charge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: AR

Complaint narrative:
I am following up on a dispute I submitted to Experian pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B regarding multiple fraudulent accounts and inaccurate information appearing on my credit report. I completed and submitted the required dispute forms and requested a full investigation into these unauthorized accounts, as well as inaccurate addresses and collection entries. Despite the clear mandates of the FCRA, which require credit reporting agencies to investigate identity theft claims within XXXX business days of receiving a report, the erroneous information remains on my report. The items in question include XXXX with account ending XXXX and a {$0.00} balance, XXXX XXXX with account ending XXXX and a balance of {$480.00}, XXXX XXXX XXXX with a balance of {$160.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3000.00}, XXXX XXXX XXXX with a balance of {$2100.00}, XXXX XXXX * * with a balance of {$1200.00}, XXXX XXXX XXXX * * with a balance of {$2400.00}, as well as multiple accounts reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others, with various balances and dates listed. These accounts were opened without my consent and are not associated with me. I have provided all relevant documentation, including my identity theft report and personal identification, to support my claim. However, I have yet to receive confirmation that these fraudulent entries have been removed or that a thorough reinvestigation has been completed.

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 2025-10-23 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: GA

Complaint narrative:
I am disputing the unauthorized hard inquiries reporting on my credit file. These inquiries were made without my knowledge, consent, or authorization, and therefore are inaccurate and invalid under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b and 1681i.

You are legally required to verify that each of these inquiries was made with my written consent or a permissible purpose as defined by federal law. If such proof can not be provided by the furnisher or the original creditor, you must immediately delete these inquiries from my credit 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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: GA

Complaint narrative:
Upgrade , Inc. has been holding {$1700.00} of my funds under a fraud review since XX/XX/year>. I have contacted the company multiple times but have not received a written explanation, a timeline for resolution, or any instructions on what documentation is required from me. 

I sent a formal written demand letter on XXXX XXXX requesting clarification within XXXX business days and received no meaningful response. The ongoing hold appears unreasonable and potentially unlawful. 

I am requesting that Upgrade either ( XXXX ) immediately release my {$1700.00}, or ( XXXX ) provide a written explanation of the fraud concern and a specific date when the funds will be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: DE

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
They call every day and have no proof of me owing debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
This letter serves as my formal dispute regarding incorrect personal information currently appearing on my credit report. After reviewing my file, I have identified personal identifiers including my name, address, date of birth, or Social Security number that are inaccurate, outdated, or not associated with me. Reporting such false or mixed information constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as it fails to ensure the maximum possible accuracy of consumer information.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to request a full reinvestigation of all personal identifiers associated with my credit file. Any personal information that can not be verified with proper documentation must be deleted or corrected immediately.

Additionally, under FCRA 607 ( b ), credit reporting agencies are legally required to maintain procedures to assure maximum possible accuracy of the information they report. The continued reporting of inaccurate or unverified personal information constitutes noncompliance with federal law and misrepresentation of my identity.

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 2025-10-23 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 formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am a ID theft victim and has a police report. XXXX XXXX XXXXXXXX. I have called and emailed Westlake Financial Services multiple times regarding the fraud. Called on the XXXX and email on XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also emailed them a police report. I have told them multiple times that the ID theft used my info to obtain a used car. They are ignoring the police report and still install auto loans on my credit. I am disputing the auto loan account with the credit bureaus. 
Westlake financial service account is XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
I am writing to formally request that you immediately block the reporting of a fraudulent account that has appeared on my credit file. This situation has caused me serious concern and distress, as I have always taken great care to protect my personal and financial information. Under FCRA 605B, I have the right to have any information resulting from identity theft promptly blocked from my credit report. In addition, FCRA 609 ( a ) ( 1 ) gives me the right to full disclosure of all information in my credit file so I can identify and address any fraudulent activity. FCRA 611 ( a ) ( 1 ) requires that credit bureaus conduct a reasonable investigation when a consumer disputes inaccurate or fraudulent information. FCRA 611 ( a ) ( 5 ) ( A ) also mandates that unverifiable or fraudulent data be permanently blocked from a consumers file after investigation. Finally, FCRA 1681e ( b ) obligates credit bureaus to ensure maximum possible accuracy in all reported information. I am therefore exercising my rights under the FCRA and requesting that this fraudulent account be blocked immediately and that written confirmation be provided once the action is complete. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00}

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is spelled wrong, I have accounts on my credit that are not accurate or mines.

I have accounts that I paid and now have been sold to other debt collectors Wrong address linked to my account

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