vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 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: CL Holdings LLC
State: TX

Complaint narrative:
Product or Service : Debt Collection / Credit Reporting What happened : I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements. 

What I believe is wrong : The collection agency has failed to properly validate the alleged debt The account is being reported inaccurately and/or without sufficient evidence The reporting appears to violate the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ) The agency continues to furnish information that is incomplete, misleading, or unverifiable What I have done so far : I have disputed this account directly and/or through the credit reporting agencies. Despite these efforts, the collection agency has not provided adequate proof or corrected the inaccurate reporting. 

I am requesting a full investigation and a written response explaining the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: MD

Complaint narrative:
I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I received a dispute result from XXXX  regarding an account reported by Portfolio Recovery Associates ( PRA ). The dispute result stated only that the account was updated with no explanation or supporting documentation.

This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires a description of the procedure used to determine the accuracy and completeness of the information to be provided to the consumer after a reinvestigation. I was never provided any verification details, documentation, nor the method used.

Additionally, this debt is being reported without PRA providing : A signed original agreement bearing my signature, A full account ledger showing the transactions, A contract showing their legal right to collect on the debt, And proof of assignment from the original creditor.

I believe this tradeline is being verified without a proper investigation, which is deceptive and misleading. I am requesting that the CFPB investigate this matter and instruct XXXX  and Portfolio Recovery Associates to delete the tradeline if they can not prove the debt with original documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Company being complained about : Midland credit Management Product or Service : Debt Collection / Credit Reporting What happened : I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax, XXXX, My fico score, XXXX XXXX Showing information that has not been updated since XX/XX/year> to date XX/XX/year>. 
Blatant negligence and disregard for federal law and my rights under ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-12-19 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: GA

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I disputed inaccurate credit reporting by Citibank , N.A . ( Citi Cards / CBNA ) regarding a credit card tradeline that was included in a XXXX  XXXX bankruptcy. Despite repeated disputes and completed investigations, Citibank continues to furnish inaccurate and internally inconsistent information to certain consumer reporting agencies. 

Using the same bankruptcy records and dispute submissions, XXXX  determined that this Citibank tradeline could not be verified and deleted the account from my XXXX  credit report. However, Citibank continues to report this same account to XXXX XXXX XXXX. 

The information reported to XXXX XXXX XXXX remains contradictory and misleading. XXXX  reflects the account as discharged through XXXX  XXXX bankruptcy while simultaneously maintaining account attributes and reporting that conflict with that status. XXXX  reflects a different version of the same tradeline. These inconsistencies demonstrate that the information being furnished is not accurate, not consistent, and not verifiable across nationwide consumer reporting agencies. 

Although Citibank marked its investigations as complete or updated, the inaccurate reporting was not corrected or deleted. This constitutes a failure to conduct a reasonable reinvestigation and a failure to ensure maximum possible accuracy after receiving actual notice of dispute. 

Furnishing information that has already been deleted by XXXX  due to unverifiable reporting establishes that the data lacks a reliable factual basis. Continued reporting under these circumstances violates the Fair Credit Reporting Act, including duties imposed on furnishers after dispute, and applicable provisions of the Texas Business & Commerce Code governing false, misleading, or deceptive credit reporting practices. 

Any reinsertion of this tradeline at XXXX, where it has already been deleted due to unverifiable reporting, would also violate federal reinsertion protections.

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 2025-12-19 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 connection to the disputed accounts and request removal within the required 15-day timeframe.

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 2025-12-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR

Complaint narrative:
The company has been calling me harassing me impersonating lawyers saying that they have a debt up to XXXX $ that has been collecting interest for over 13 years and only now have they been trying to contact me because the debt was sold to a third party and that they are threatening to sue me and trying to get personal information all while using profanity and abusive language saying the call was recorded but yet was absolutely disrespectful. I had a loan from ace cash express over 20 years ago for XXXX $ which was settled so not only are they falsifying information but also using threatening and hostile tactics to try and force me to pay them sounds like a scam and wont to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2025-12-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
IQ Data XXXX stated in its response to my prior CFPB complaint that no additional documentation would be provided. However, material inaccuracies and unsupported balances remain on my credit reports. 

My official landlord move-out statement reflects an original balance of {$1600.00}. Despite this, XXXX  is reporting : An original balance of {$1100.00}, and A separate balance of {$620.00} listed as a sure deposit. 

I have never been provided any documentation, invoices, or itemization explaining the alleged sure deposit or what damages it represents. No proof has been provided showing how or when the account was obtained by IQ Data XXXX, nor documentation validating the accuracy of the amounts reported. 

These balances do not match the landlords own move-out statement, creating clear inconsistencies and inaccurate reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). 

I formally requested debt validation, complete itemization, invoices for any claimed damages, and proof of authority to collect via certified mail : XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) Email sent to XXXX informing of intent to pursue legal action. 

To date, these requests have not been satisfied. 

After calling XXXX XXXX I was told I can not gain access to the website XXXX XXXX XXXX  due to unknown reasons. Customer service states the only option they have is to take a payment by phone. They will not go in detail of what the balance consists of. 

I also attempted to resolve this matter with the original creditor/landlord, who immediately directed me to IQ Data XXXX and refused to provide documentation. ( Email will be shared ) Despite the lack of validation, IQ Data continues reporting this account as verified with credit reporting agencies ( documentation will be provided for this also )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I disputed a {$29.00} Cash App transaction made to XXXX XXXX XXXX on XX/XX/year> for XXXX study materials that were not delivered or not provided as described. 

Cash App denied my dispute on XX/XX/year>, stating only that they didnt receive a description of the product or service. No merchant documentation or proof of delivery was provided to me. 

The denial appears to be based on missing internal documentation rather than a proper dispute investigation. The burden was improperly placed on me as the consumer, and I was not provided evidence supporting the validity of the charge. 

I am requesting a full and fair review of this transaction and a refund of the {$29.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: MI

Complaint narrative:
Dear Equifax XXXX Department, I am writing to formally dispute an account currently listed on my credit file with Equifax. The details of the account are as follows : Creditor : XXXX XXXX. Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Status : Derogatory Last Reported : XX/XX/XXXX Comments : Involuntary Repossession. I am disputing the accuracy and legitimacy of this account as it appears on my credit report. I do not recognize this debt and have not received any documentation validating it. As required by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, you are obligated to delete or correct information that can not be verified.

Additionally, under 15 U.S. Code 1681b, no information should be reported without a permissible purpose. Without proper notice, proof of contract, or validation of debt, this account 's presence on my credit report is unlawful and misleading. I am requesting that this account be fully investigated and permanently removed from my Equifax credit file if it can not be verified with appropriate supporting documentation. I also ask that you provide me with the results of your investigation in writing. If this account is not removed within four ( 4 ) business days, I will be left with no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially take legal action to enforce my rights under the FCRA. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Please address this matter promptly and confirm the removal of the disputed entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Please address this matter promptly and confirm the removal of the disputed entities.

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 2025-12-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint against Experian Information Solutions and XXXX XXXX XXXX for violations of the Fair Credit Reporting Act. 

After disputing an inaccurate and unverifiable debt, Experian updated the tradeline instead of deleting it, in violation of FCRA 611 ( a ) ( 1 ), 611 ( a ) ( 5 ), and 607 ( b ). XXXX XXXX failed to provide competent evidence and continues to report misleading information in violation of FCRA 623 ( b ) and FDCPA 807 ( 8 ).

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 2025-12-19 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: TX

Complaint narrative:
Would you mind reviewing this entry for correctness? It may be off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief