vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Request to Remove Inaccurate Personal Information Employers, Addresses, and Phones Dear CFPB, I am requesting that TransUnion and Experian immediately correct the personal information on my credit report. 

The only accurate information that should remain on file is : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX I request the complete removal of the following : All previous addresses All previous phone numbers All listed employers ( none are accurate or authorized to be listed ) These outdated and incorrect entries do not reflect my current verified identity. Under FCRA 602 ( a ) and 609 ( c ), credit reporting agencies are required to maintain only accurate and verifiable personal data. 

Please update my file accordingly and provide written confirmation once completed. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
consumer Name : XXXX XXXX XXXX Complaint Date : XXXX XXXX, 2025 Company : Cavalry Portfolio Services Account Originator : XXXX XXXX XXXX XXXX 
Credit Reporting Agencies Involved : XXXX XXXX XXXX ACC # XXXX Nature of Complaint I am filing this complaint due to Calvary Portfolio Services ' continued reporting of a collection account to the credit bureaus that originated with XXXX, XXXX, without providing legally sufficient validation of the debt. Despite my repeated written requests, including a final notice sent on XX/XX/scrub> 2025, Calvary has failed to provide proof of ownership, a signed agreement, chain of title, or a valid contract bearing my signature. This violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681g, 1681s-2, 1681i, and 1681n.

Details of Violations 1. Cavalry has failed to validate the alleged debt after multiple requests, including my final notice mailed on XX/XX/year>2025.

2. The documents previously sent by Calvary do not include a signed contract, proof of assignment, or lawful ownership of the alleged debt.

3. Cavalry is willfully furnishing inaccurate and unverifiable information to the credit bureaus in violation of FCRA 1681s-2 ( b ).

4. I have attached SEC filings which indicate XXXX securitizes its receivables into a trust structure, making legal ownership by Cavalry questionable or unverifiable.

5. Cavalry has ignored my right to dispute and demand validation and has not ceased reporting despite lack of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
After further review of my consumer report I realized that I was deceived by the car dealership. I was told that my credit report would not be shopped around to multiple companies to seek financing but after reviewing my report I see that was false. The creditors are enclosed in the attached letter. Some of them I am not even familiar with the company name, and that is how I know for sure that this is illegal and was done without my consent.

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 2025-05-29 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: GA

Complaint narrative:
In accordance with with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX INT XXXX * * I looked at my Experian credit report 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 prefers a consumer report it shall follow reasonable procedure to assure Maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 81 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any re-investigation on a paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified. The consumer reported agency shall 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 re-investigation and to properly 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 supposed to not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
My cash app account was either charged or trying to make a purchase for {$2200.00} dollars. I have no clue where it came from or who was trying to charge that card. It could also be money that was trying to get sent to me but I havent received it if that was the case. An I also havent been able to get a new cashapp card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: MD

Complaint narrative:
I am disputing a collection notice I received regarding a XXXX XXXX XXXX XXXX XXXX issued in XXXX XXXX , Maryland, with a violation date of XX/XX/XXXX, citation number XXXX, and a balance of {$290.00}. 

I formally contested this citation prior to XX/XX/XXXX, but I never received a court date. Despite my attempts to follow up, the company responsible has refused to provide any information regarding the court date or how I can obtain one. They are preventing me from exercising my legal right to contest the citation in court. I was not operating the vehicle and have proof that I was not operating the vehicle at the time.

Furthermore, the company is attempting to illegally collect on additional debts that I do not owe, have never owed, and have no knowledge of, including alleged violations from XXXX, during which time I did not own or have access to the vehicle in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Exto Inc.
State: TX

Complaint narrative:
ATLAS CREDIT CARD FOR CREDIT BUILDING I SIGNED UP BUT THAT OFFER IS NOT FOR ME I ADVSIED THEM TO CLOSE ACCOUNT AND TEHEY SAID THEY WONT AND I OWE MONEY I HAVE NEVER USED THEIR SERVCIES AND THEY THREATENED STATING THEY WILL PLACE IT ON MY CREDIT REPORT.

THEY ARE GIVING ME {$10.00} AND ASKIGN FOR {$58.00} FOR MEMBERSHIP THIS IS NOT RIGHT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXXXXXX , NY XXXX and I have personally written this complaint because there are unauthorized negative accounts on my credit report. It will be addressed below.

These have dropped my score and as a result I am unable to grow and improve my life as a soon to be dad because of credit denials. These accounts are false and misleading and have been created without my approval or signature. I do not recognize or approve of it.

I have tried to resolve this with the 3 major credit agencies TRANSUNION EQUIFAX EXPERIAN and they lack professionalism and delay their calls and refuse to transfer me to a manager. I have already created an FTC as well.

FTC Report Number : XXXX Please help me as this is frustrating and i am looking for improvement in my current life.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CO

Complaint narrative:
Someone hacked into my account was able to get a hold of my credit cards and make purchases and stealing my identity...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I submitted a written dispute to MIDLAND CREDIT MANAGEMENT INC regarding an account that is inaccurate and/or unverifiable. Under 15 USC 1681i, I have the legal right to a full reinvestigation. The company failed to properly investigate and continues to report inaccurate information.

Additionally, they are in violation of : - 1681s-2 for reporting false or unverified data, - 1681e ( b ) for failing to ensure maximum possible accuracy, - 1681c for reporting obsolete/outdated information.

I demand that this account be immediately removed as it violates multiple federal laws. I request that the CFPB step in and force compliance with the FCRA. Failure to resolve this issue constitutes willful noncompliance under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Company Being Complained About : Name : Portfolio Recovery Associates , LLC Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX Account Number : XXXX Subject of Complaint : Failure to Validate Debt and Provide Assignment Documentation Details of the Complaint : I am filing this complaint regarding a collection account reported by Portfolio Recovery Associates for a balance of {$1300.00}. The original creditor is listed as The XXXX  XXXX XXXX. This account was opened on XX/XX/XXXX, and the current status as of XX/XX/XXXX shows a collection account with the full balance still listed as past due. 
I have not received any validation of this debt from Portfolio Recovery Associates, despite their obligation under the Fair Debt Collection Practices Act ( FDCPA ) to provide such information upon request. I sent a formal debt validation letter requesting : XXXX. Proof of the original debt including a signed agreement bearing my name.

2. A full chain of assignment or a bill of sale showing their legal right to collect on the debt.

3. A detailed accounting or payment history to explain the balance claimed.

4. Verification of their debt collection license, if applicable.

To date, I have not received any of this documentation. However, Portfolio Recovery Associates continues to report the account to the credit reporting agencies, negatively impacting my credit score. This is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), which prohibit collection and reporting of unverified debts.

Requested Resolution : 1. Require Portfolio Recovery Associates to provide full validation and documentation of the alleged debt, including the assignment contract. 
XXXX. XXXX the company to cease all collection and credit reporting activity until validation is completed. 
XXXX. If they are unable to validate the debt, instruct them to delete this tradeline from all credit bureaus. 
XXXX. Investigate their compliance practices regarding debt validation and assignment documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: COLUMBIA BANKING SYSTEM, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention an error on my credit report that requires immediate investigation and correction. Upon reviewing my credit report, I discovered an account with Umpqua Bank that was reportedly delinquent in XXXX, with an additional late payment noted in XXXX. However, I have evidence that contradicts this information, as I have consistently made timely payments on this account. 

As a consumer, I expect credit reporting agencies to maintain accurate and up-to-date information. The inaccurate reporting of late payments on my account is a serious concern, and I request that you take prompt action to rectify this situation. I have attached a copy of my credit report, dated XX/XX/XXXX, which highlights the disputed information. 

I respectfully request that you investigate this matter and update my credit report to reflect the accurate payment history for the aforementioned account. Specifically, I request that the late payment notation be removed, and my payment history be revised to show that all payments were made on time. 

I appreciate your attention to this matter, and I look forward to a prompt resolution. Please confirm in writing once the correction has been made, and my credit report has been updated to reflect the accurate information.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reaching out to request the removal of incorrect addresses from my credit report. The information being reported is inaccurate, and I have included the necessary documents to facilitate this correction. Please process this request promptly and ensure that these addresses are removed without delay.

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation under the fair debt collection Practices Act Dear Experian Iam writing to formally request validation of the alleged debt referenced in your recent communication, in accordance with rights under the fair debt collection practices Act ( FDCPA ) ,15 U.S.C 1692 Please provide in the following information : 1.The Name of the original creditor 2. The amount of the alleged debt, including an itemized breakdown of fees, and interest and other charges 3. A copy of any judgment, agreement or contract bearing my signature 4. Proof that you are legally authorized to collect this debt on behalf of the original creditor 5. A copy of your license to collect debts in my state, if applicable 2 Until this information is provided, I do not acknowledge this debt and request that you cease all collection activities including reporting this debt to credit bureaus. If you have already reported it, please inform the credit bureaus that the debt is in dispute.

Please note that any further attempt to collect this debt without validation may constitute a violation of FDCPA Sincerely 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 2025-05-29 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: NY

Complaint narrative:
I am reaching out to request the removal of incorrect addresses from my credit report. The information being reported is inaccurate, and I have included the necessary documents to facilitate this correction. Please process this request promptly and ensure that these addresses are removed without delay.

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 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
consumer Name : XXXX XXXX XXXX Complaint Date : XXXX XXXX, 2025 Company : XXXX XXXX XXXX Account Originator : XXXX XXXX XXXX XXXX 
Credit Reporting Agencies Involved : XXXX XXXX  TransUnion ACC # XXXX Nature of Complaint I am filing this complaint due to XXXX XXXX XXXX ' continued reporting of a collection account to the credit bureaus that originated with XXXX, XXXX, without providing legally sufficient validation of the debt. Despite my repeated written requests, including a final notice sent on XXXX XXXX, 2025, XXXX has failed to provide proof of ownership, a signed agreement, chain of title, or a valid contract bearing my signature. This violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681g, 1681s-2, 1681i, and 1681n. 
Details of Violations 1. XXXX has failed to validate the alleged debt after multiple requests, including my final notice mailed on XX/XX/scrub> 2025. 
2. The documents previously sent by XXXX do not include a signed contract, proof of assignment, or lawful ownership of the alleged debt. 
3. XXXX is willfully furnishing inaccurate and unverifiable information to the credit bureaus in violation of FCRA 1681s-2 ( b ).

4. I have attached SEC filings which indicate XXXX securitizes its receivables into a trust structure, making legal ownership by XXXX questionable or unverifiable. 
5. XXXX has ignored my right to dispute and demand validation and has not ceased reporting despite lack of verification.

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 2025-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Banks refusal to investigate merchant deception violates Regulation E. This is not a duplicate dispute of a charge it is a new complaint over Discovers continued regulatory misconduct. 

I authorized a {$1400.00} ACH payment to XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) on XX/XX/year>. I received login credentials, but the core service profit payout after completing challenge criteria was never delivered. That is non-fulfillment, not non-receipt. 

Despite showing that this merchant withheld the promised service and shut down its platform, Discover repeatedly refused to investigate, citing that the transaction was authorized. This contradicts Regulation E 1005.11, which requires banks to investigate errors involving fraud or failure to deliver as agreed. 

Discovers representative XXXX has also responded with dismissive, templated replies that avoid the evidence and improperly declared the matter closed a violation of the banks duty to investigate in good faith. 

Authorization does not protect a merchant who partially delivers and withholds the core service. Discovers pattern of denial even with proof of merchant collapse is legally flawed and places consumers at risk. I am requesting full restitution and a formal investigation into Discovers handling of this matter. 

i have all day XXXX, i wont be dismissed until my demands are met, you fight more for the company that scammed me then your own customer... l see the kind of ethics held up at discover.

Company response to consumer: Closed with explanation