vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is reporting an unverified and duplicate collection account related to an alleged XXXX XXXX  account ( # XXXX ) in the amount of {$1900.00}. I previously disputed the account directly with Portfolio Recovery Associates and requested validation. They received my dispute and validation request but did not provide validation. They have continued to report the account anyway. 

Portfolio Recovery Associates did not provide : The original signed XXXX XXXX  credit agreement A complete itemized accounting of the alleged balance Proof of assignment/ownership of the debt Proof that they have legal authority to collect or report the account Instead, they continued reporting the debt and are reporting it multiple times under slightly different names and account identifiers ( including Portfolio RC, Portfolio, and Portfolio Recovery Associates ) . This results in duplicate reporting and inflates my reported debt, which is misleading and inaccurate. 

They also applied the remark Dispute Resolved Subscriber Disagrees, which is inaccurate and does not reflect my active and unresolved dispute.

This violates federal law : 15 U.S.C. 1692g ( b ) continued reporting/collection without validation 15 U.S.C. 1681e ( b ) furnishing inaccurate and misleading information 15 U.S.C. 1681i failure to properly reinvestigate 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) reporting unverifiable information 15 U.S.C. 1681s-2 ( a ) ( 3 ) improper reporting of dispute status I am requesting the CFPB require Portfolio Recovery Associates to correct these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: DE

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 2025-10-30 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: MD

Complaint narrative:
Equifax is reporting accounts on my credit file that I do not believe belong to me. These accounts are inaccurate, unverifiable, and reporting without permissible purpose. The reporting of this false information is a violation of my rights under the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents. Please see attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
Per my credit the loan is labeled as profit loss or charged off so they took a tax break yet I've yet to receive my 1099c in order to file as income. Per the law this should have been provided considering this company filed it on there taxes. This is grounds for an lawsuit for statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: DISCOVER BANK
State: NC

Complaint narrative:
In XX/XX/2025, I was contacted online by a man who claimed he would help me pay off my credit card. He gave me his bank account and routing number, which I used to make a payment to my credit card. The payment went through successfully at first. Later, he tried to get me to cash a check that looked fake it had multiple printed names, different signatures, and said Texas even though he claimed to be from California. I refused because I believed it was fraudulent. After I refused, he became upset and reported to his bank that he hadnt authorized the earlier payments. As a result, the payments were reversed and my account went into the negative. I have proof in messages and receipts showing he gave me permission to make the payments. I believe he filed a false claim with his bank to harm me financially, and Im requesting help disputing the reversal and fixing the negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by lenders for something that should not even be on my record. This has impacted not only me, but my ability to provide stability for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-30 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:
I am writing to you because I am trying to resolve this and this is very inconvenient the way the credit bureaus and the creditors are so inconsiderate of how they do things. 
the account i am company about is the XXXX XXXX XXXX account which is closed. 
I entered into a payment arrangement with this company on XX/XX/year> and i am paying {$50.00} a month, which is being taken out automatically every XXXX of each month. if you notice on the part of my report i attached, it states the last payment was on XX/XX/XXXX, XXXX so how am i late on my XXXX payment when they received it on XXXX? this makes no sense to me. 

This is wrong and has lowered my credit score immensely which also insults my integrity and my intelligence. this is also a violation of my rights as a consumer as stated in the FCRA. I need this corrected immediately! 

It also shows an inaccuracy in XXXX as well and if they messed up this month imagine how many other errors they have been getting away with. this is a huge inconvenience and an insult to me please help me delete this wrong info

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 2025-10-30 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681i ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Collection Agency : XXXX XXXX Account XXXX Amount : {$3400.00} Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specificalle Section 809 ( 15 U.S.C. 1692g ) I request validation of this debt. please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further 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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further 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 non-monetary relief
Consumer complaint received 2025-10-30 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:
Charged Off Accounts : XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Dispute : This account has been inaccurately reported as charged off, which does not reflect the actual status. The reporting of this account as charged off is misleading and violates FCRA guidelines, which require accurate and complete information to be reported.

Resolution Requested : I request the immediate removal or correction of this account to reflect its accurate status. If verification of the charged-off status can not be provided, I ask that this entry be removed from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Dispute : The status of this account is reported as charged off ; however, this information is not correct. I believe this account is inaccurately listed, which may affect my creditworthiness unfairly.

Resolution Requested : Please correct the reporting of this account or remove it from my credit report entirely if the current status is found to be incorrect or unverifiable. 

BANKRUPTCY Account Number : XXXX Date Filed : XX/XX/XXXX Dispute : The bankruptcy listing on my credit report is either incomplete or incorrect. A bankruptcy must be reported with full accuracy, including the correct filing date and relevant details as per the FCRA.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

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 " Public Record - XXXX XXXX  XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXXXXXX 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 XXXX XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In my previous complaint, I listed TransUnion as the entity that didn't verify XXXX XXXX ( account # XXXX ), chapter XXXX bankruptcy ( XXXX ) ( XXXX ), and ( XXXX ) XXXX XXXX XXXX XXXX ( account XXXX XXXX ) ( XXXX ) and XXXX XXXX account # XXXX owing XXXX XXXX However, Equifax Information Services and Experian failed to properly verify all the accounts listed above. This is the XXXX dispute that has come back verified. XXXX XXXX no-longer owns this account listed above, the account was sold to XXXX XXXX XXXX XXXX The XXXX XXXX account needs to be removed immediately as this account is inaccurate and violation of FCRA. It's illegal to report inaccurate information on my credit report. 15 U.S.C 1681, 15 U.S.C 1582g, 15 U.S.C 1692g ( b ). XXXX. Chapter XXXX bankruptcy ( XXXX ), ( XXXX ), and ( XXXX ) XXXX was not accurately verified as courts does NOT report, nor verify bankruptcies. This is also false statement, illegal reporting and inaccurate information added to my credit report. It's been past XXXX  days since my original dispute, therefore this account needs to be removed immediately from my report by ALL three bureaus Equifax, Experian and TransUnion. Chapter XXXX account ( XXXX ) by Equifax, was not accurately verified and needs to be removed immediately from my report. XXXX XXXX XXXX ( account # XXXX, XXXX ), this account was not accurately verified as XXXX XXXX XXXX failed to properly validate the account. Inaccurate information on my credit report is illegal and shouldn't be reported. XXXX XXXX ( account # XXXX ) isn't properly verified as this XXXX account was placed in chapter XXXX bankruptcy and XXXX on XX/XX/year>. Nowhere on my credit report does " included in bankruptcy " appear with this XXXX account. This is false reporting and inaccurate information. Pleased remove the account from my report. Per FCRA 15 U.S.C 1692, 15 U.S.C 1692g ( b ), 15 U.S.C 1691.

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 2025-10-30 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: SC

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX ; Account Number XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : This makes your social security card, driver 's license/ID, and license plate credit cards that are/were ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " " does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. for the extension of credit.

Company response to consumer: Closed with explanation