vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
I was working directly with the facility who sold my debt start in XXXX of 2025, I was told I would receive a phone call back in regard to my debt as I had been on automatic payments that stopped on their own from the facility! I never received a phone call from the financial manager ( XXXX ) from XXXX  XXXXXXXX XXXX XXXX after she told me she would look into my account further. I have never heard from the collection agency personally but they have contacted my step parent who I do not live with, I do not have contact with other then briefly texting and has different contact info! They sent a text message with collection agency info, a link to my debt amount and for what and they violated my HIPPA rights as this person is not even an emergency contact for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate addresses and several unauthorized accounts being reported on my consumer credit files by various furnishers. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused significant harm. 

XXXX. Wrong/Incorrect Address Reporting The following address is being reported on my credit file, but I have never lived at, used, or been associated with this address : XXXX XXXX, XXXX XXXX XXXX CA XXXX WRONG ADDRESS This inaccurate address must be investigated and deleted immediately as its presence falsely associates me with locations I have no connection to. 

XXXX. Unauthorized Charge-Off and Collection Accounts The following accounts are appearing on my credit reports. I have no knowledge of these accounts, have never opened them, and never authorized any activity related to them. Their reporting is inaccurate and unlawful. 

Charge-Off Accounts ( Not mine request full deletion ) XXXX  XXXX Account # XXXXXXXX XXXX XXXX  High Balance : {$320.00} Date Opened : XX/XX/XXXX This is NOT my account. I have no knowledge of it. Requesting full deletion. 

XXXX Account # XXXXXXXX XXXX XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX I do not recognize this account. It must be deleted immediately. 

Collection Accounts ( Not mine request full deletion ) XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX High Balance : {$640.00} Date Opened : XX/XX/XXXX I have no knowledge of this account. It is fraudulent or misreported. Delete it. 

XXXX Account # XXXXXXXX XXXX XXXX High Balance : {$170.00} Date Opened : XX/XX/XXXX This account is not mine. I request immediate deletion. 

FCRA Violations These furnishers are in violation of : FCRA 602 ( A ) Failure to maintain fair and accurate reporting FCRA 607 ( B ) Failure to assure maximum possible accuracy FCRA 611 Failure to properly investigate disputed information FCRA 623 Reporting information that is inaccurate or unverifiable Requested Relief I am requesting the CFPB to : Conduct a full investigation into the furnishers and credit bureaus reporting these inaccuracies. 

Require deletion of the wrong address and all unauthorized charge-off and collection accounts listed above. 

Ensure compliance with FCRA accuracy standards by all involved parties. 

Provide me with written confirmation of the results. 

These inaccuracies are damaging my credit profile and financial opportunities. I am requesting immediate intervention. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
On XX/XX/year> my friend had text me and asked me if I had a XXXX  account I told him yes and he sent his whole paycheck to my account but I told him I don't have a XXXX  card bc I hear bad stuff about XXXX  and I ain't never used it before. So I figured I'd send his money right back to his account and XXXX  literally flagged me for suspicious activity... so I tried to send it to my debit card and standard transfer and still wouldn't let me so I called them 3xs trying to get it resolved and they gave me an email to Financial support I emailed them on that following Saturday or Sunday. And they wanted my past 90 days bank statement with my info on it and back and front photo of my unexpired ID. They told me yesterday that they are declining me yet again and wouldn't give me a reason. I sent everything to the T what they asked for. They told me to try and transfer it to another bank account in my name. I told them I don't have another bank acct in my name and I asked y again they declined my bank info and they wouldn't give me a reason just kept telling me to get on XXXX  and chat with an agent and I'm currently doing that now and it's more trouble they still ain't helping me resolve it. So I have someone else 's XXXX $ in my XXXX  acct and I can't get it off. I don't like being liable for someone's hard earned money and XXXX  refuses to release it or let me send it back to him. They will not help me resolve this issue they just keep making contradicting statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WILKINSON LAW FIRM, P.C.
State: MS

Complaint narrative:
My wages are currently being garnished by Wilkinson Law Firm of XXXX, XXXX on behalf of XXXX XXXX for an account that was created through identity theft. Neither myself nor my co-consumer, XXXX XXXX XXXX, ever applied for or authorized any account with XXXX XXXX. 

We were unexpectedly served in XX/XX/year> regarding this debt. Immediately after receiving the documents, we filed an FTC Identity Theft Report and submitted all required supporting documentation. Following our identity theft report, all activity ceased, and we believed the matter had been resolved. 

We also have proof that this alleged XXXX XXXX account was deleted from our credit reports in XX/XX/year> after the credit bureaus were unable to verify that the debt belonged to us. This confirms the account was fraudulent and not associated with either of us. 

Despite this, on XX/XX/year>, wage garnishment began without any prior notice of reactivation or verification. This account still does not appear on either of our credit reports. 

Additionally, both of us were victims of the XXXX  data breach, and our personal information was compromised. This identity theft account was created without our knowledge or consent. 

We contacted the law firm handling the garnishment ( Wilkinson Law Firm in XXXX, XXXX XXXX, but the garnishment has continued. 

We are requesting urgent assistance from the CFPB to stop the garnishment, acknowledge the documented identity theft, and ensure that this fraudulent account is permanently removed and no further collection actions occur.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to dispute the accuracy of the payment history reported for the following account on my credit report : Account Name : XXXX Account Number : XXXX The payment history on this account is inaccurate, as the reported dates or late payments do not reflect the correct payment record. This is a violation of 15 U.S.C.

1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy.

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 2025-11-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( s ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 
Account Details in Dispute : XXXX. XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays closed my dispute and reapplied {$1100.00} on XX/XX/year> while the dispute was still open ( their own XX/XX/XXXX letter to CFPB stated awaiting merchant response until XX/XX/XXXX ). XX/XX/year> final response : No investigation report No analysis of my XXXX pages of evidence Ignored XXXX active VMB cases proving fraud and illegal XXXX disclosure ( VMB cases XXXX, XXXX, XXXX XXXX Lets MoVet + XXXX vs VCA for illegal post-mortem XXXX disclosure used in this dispute ) Relied on merchant documents that contain no sales agreement, no invoice, no contract XXXX case numbers in XXXX  days with no online history Interest charges applied after illegal rebill This is unreasonable investigation ( Circular XXXX ) and multiple FCBA violations.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of multiple late payments across XXXX accounts on my Equifax credit file. According to Equifaxs records, several payments are marked as late, yet these payments were made on time. Despite this, the incorrect information continues to appear and is unfairly damaging my credit score and overall creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-21 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 2025-11-21 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: PA

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

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 non-monetary relief
Consumer complaint received 2025-11-21 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:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Late Payments : XX/XX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-21 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 filing this complaint regarding multiple inaccurate and unverifiable entries being reported on my Equifax credit file. These accounts are listed as charged off, but I believe they are either reporting incorrect information, are beyond the allowable reporting period under the FCRA, or have not been properly verified by the data furnishers. 

The following accounts are being disputed : XXXX Accounts : XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX Amount : {$2600.00} XXXX  XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX Amount : {$3200.00} XXXX  XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX Amount : {$3400.00} XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX Amount : {$4600.00} XXXX Account No. XXXX Date Opened : XX/XX/XXXX Amount : {$1600.00} XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX Amount : {$840.00} Inquiry Dispute : XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
This complaint concerns several charged-off accounts and credit inquiries that are currently being reported on my TransUnion file. I believe these entries are inaccurate or unverifiable and are therefore being disputed under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts XXXX XXXX XXXX XX/XX/XXXX {$2600.00} XXXX  XXXX XXXX XX/XX/XXXX {$3200.00} XXXX  XXXX XXXX XX/XX/XXXX {$3400.00} XXXX  XXXX XX/XX/XXXX {$4600.00} XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$840.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$4300.00} Inquiry Disputes : XXXX XXXX XX/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 2025-11-21 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:
Would you please review this entry? It might be flawed because it was done late.

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