vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NH

Complaint narrative:
Original Complaint ID : XXXX This is a follow-up complaint regarding the above-referenced CFPB case. I am responding to the written submission made by XXXX, XXXX XXXX XXXX, XXXX, who responded on behalf of Midland Credit Management. XXXX requested a certified default judgment against me based on an allegedly owed amount that is inconsistent with other documents. They also omitted disclosing that the certified judgment and related court documents were served to me by mail, which contradicts their claims of proper personal service. This omission and misstatement constitute an attempt to collect an incorrect amount through deceptive and misleading practices. 

New Issues Raised by Their Response : XXXX. Contradiction in Method of Service In their court filings, XXXX specifically requested that the complaint be personally served certified. However, in their CFPB response, they now claim the complaint was simply mailed by the court. This contradicts their sworn representation to the court. I was never personally served with the complaint, only with the Order of Notice, and the court clerk confirmed that no complaint or summons was sent to me. This undermines the validity of the judgment they are enforcing. 

XXXX. Debt Balance Discrepancy Their response to the CFPB lists the account balance as {$1500.00}, but in their court filings, they requested periodic payments for {$1600.00}. There is no explanation or breakdown for this {$110.00} discrepancy. I have not received any itemization or contractual basis for the inflated amount. 

XXXX. No Match to My Credit Report The account number referenced in their documents does not match any tradeline on my credit report. No signed agreement or complete chain of title has been provided. I dispute that the debt they are attempting to enforce even belongs to me. 

XXXX. Contradiction of Midlands Previous " Cease and Desist '' Statement In a prior CFPB response, Midland stated the account was marked Cease and Desist and the tradeline would be deleted. Despite this, XXXX is now actively enforcing a court judgment and pursuing periodic payments on that same account. This is a direct contradiction and potentially violates their representations to federal regulators. 

XXXX. Ongoing AG Complaint Not Disclosed XXXX failed to disclose in their CFPB response that they are currently the subject of an open consumer protection complaint with the New Hampshire Attorney General, which they received on XX/XX/year>. They are required to respond to that letter, but instead are pursuing legal enforcement and made no mention of this ongoing regulatory action in their CFPB reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Started the month of XXXX, i kept receiving text from Portfolio Recovery LLC to call for payment plans, to call ( XXXX ) XXXX i dont own any debt beside my student loans. Check in my credit report it also show Portfolio listed and shows closed, i dont own anyone or set a payment plan. I have received about XXXX calls a day from scam likely phone numbers. this affected my credit score, if this can get looked into. This should be allowed on the american people who work hard to pay bills, taxes, and healthcare. 

thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
Dear Sir or Madam, Explain that you are a victim of identity theft and that the listed information is fraudulent. Request that this information be blocked from your credit report under section 605B of the Fair Credit Reporting Act ( FCRA ) and that the furnishers be notified. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: IN

Complaint narrative:
These accounts are being reported under my name without my knowledge, consent, or authorization. I have never opened, used, or managed these accounts. This is completely unacceptable, as it misrepresents my financial history and contains inaccurate and misleading information. 

I take my credit profile very seriously, and the presence of these unauthorized accounts is deeply concerning. I am requesting an immediate investigation into how and why these accounts were reported under my name and who is responsible.

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 2025-08-01 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
What happened : I am submitting this complaint because Equifax is reporting multiple inaccurate, outdated, and unverifiable accounts and inquiries on my credit report. These items are negatively impacting my credit profile, and I believe they are directly tied to the Equifax data breach, for which I received a settlement notification and prepaid card on or around XX/XX/2025. 

Since the breach, the following inaccurate accounts have appeared or continue to report false information : XXXX XXXX XXXX  Unknown and unverifiable payment history reported across XXXX XXXX and XXXX. 
XXXX XXXX / XXXX Account not recognized or authorized. 
XXXX XXXX XXXX The car was paid in full with no delinquencies, yet negative payment history is being reported. 
XXXX XXXX XXXX XXXX unverifiable payment activity. 
XXXX XXXX XXXX XXXX XXXX The vehicle was totaled and fully paid off ; the record should reflect this or be removed. 
XXXX XXXX This is not my account. It's showing derogatory activity and missed payments I never made. 
XXXX XXXX XXXX XXXX unknown payment history, which I never authorized or verified. 
In addition, unauthorized hard inquiries were made on my report on XX/XX/2025 by : These accounts are either fraudulent, inaccurate, or a result of XXXX own security failure. The presence of false delinquencies and missed payments is hurting my credit score and creating obstacles for financial opportunities. 

I am requesting that CFPB ensure Equifax complies with the Fair Credit Reporting Act ( FCRA ) by : Conducting a full reinvestigation of each disputed item Permanently deleting unverifiable or unauthorized accounts and inquiries Providing me with a written explanation and corrected credit report I am happy to provide supporting documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Driveway Finance Corporation
State: MA

Complaint narrative:
What happened : I am submitting this complaint because XXXX  is reporting multiple inaccurate, outdated, and unverifiable accounts and inquiries on my credit report. These items are negatively impacting my credit profile, and I believe they are directly tied to the XXXX  data breach, for which I received a settlement notification and prepaid card on or around XX/XX/year>. 

Since the breach, the following inaccurate accounts have appeared or continue to report false information : XXXX XXXX XXXX  XXXX and unverifiable payment history reported across XXXX XXXX and XXXX. 
XXXX XXXX / XXXX Account not recognized or authorized. 
XXXX XXXX XXXX The car was paid in full with no delinquencies, yet negative payment history is being reported. 
XXXX XXXX XXXX XXXX unverifiable payment activity. 
XXXX XXXX Driveway Finance Corp The vehicle was totaled and fully paid off ; the record should reflect this or be removed. 
XXXX XXXX This is not my account. It's showing derogatory activity and missed payments I never made. 
XXXX XXXX XXXX XXXX unknown payment history, which I never authorized or verified. 
In addition, unauthorized hard inquiries were made on my report on XX/XX/year> by : These accounts are either fraudulent, inaccurate, or a result of XXXX own security failure. The presence of false delinquencies and missed payments is hurting my credit score and creating obstacles for financial opportunities. 

I am requesting that CFPB ensure Equifax complies with the Fair Credit Reporting Act ( FCRA ) by : Conducting a full reinvestigation of each disputed item Permanently deleting unverifiable or unauthorized accounts and inquiries Providing me with a written explanation and corrected credit report I am happy to provide supporting documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NV

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-01 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: GA

Complaint narrative:
I am submitting a new CFPB complaint with updated and material evidence showing false, misleading, and potentially unlawful credit reporting by XXXX XXXX XXXX ( XXXX ) regarding my auto loan # XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I made a timely payment of {$650.00}. Instead of applying it to my loan, XXXX placed it into Pre-Credit Suspense without justification. This account is not disputed, and I have never submitted a dispute request. 

On XX/XX/XXXX, XXXX confirmed my account was current as of XX/XX/XXXX. Despite this, internal transaction records show the payment as unapplied, potentially setting the stage for : A false XXXX late payment flag A false disputed status code under Metro 2 Misleading payment history reporting to Equifax, Experian, and TransUnion Worse XXXX in their XX/XX/XXXX CFPB response XXXX HMF falsely stated I requested removal of all negative information from my credit report. This is factually false. I have never requested any deletions only accurate, lawful application and reporting of my timely payment. 

This false statement by XXXX now becomes evidence of bad faith, and may reflect confusion with another consumer or account, compounding the harm. 

Legal Violations Cited : I allege the following violations of federal law : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) : Furnishers shall not report information if they know or have reasonable cause to believe it is inaccurate. 

15 U.S.C. 1681s2 ( b ) : Once a dispute is received, furnishers must conduct a reasonable investigation and correct inaccuracies promptly.

15 U.S.C. 1681e ( b ) : Credit reporting must follow reasonable procedures to assure maximum possible accuracy. 

FTC Act Deceptive Practices 15 U.S.C. 45 ( a ) : Prohibits deceptive or unfair acts or practices in commerce, which includes misleading credit reporting practices like using suspense statuses to mask timely payments. 

Metro 2 Compliance Violations Use of disputed or suspense codes without a legitimate consumer dispute violates Metro 2 Credit Reporting Resource Guide standards and creates misleading data for CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
I am submitting a new CFPB complaint with updated and material evidence showing false, misleading, and potentially unlawful credit reporting by XXXX XXXX XXXX ( XXXX ) regarding my auto loan # XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I made a timely payment of {$650.00}. Instead of applying it to my loan, XXXX placed it into Pre-Credit Suspense without justification. This account is not disputed, and I have never submitted a dispute request. 

On XX/XX/XXXX, XXXX confirmed my account was current as of XX/XX/XXXX. Despite this, internal transaction records show the payment as unapplied, potentially setting the stage for : A false XXXX late payment flag A false disputed status code under Metro 2 Misleading payment history reporting to Equifax, Experian, and TransUnion Worse , in their XX/XX/XXXX CFPB response XXXX HMF falsely stated I requested removal of all negative information from my credit report. This is factually false. I have never requested any deletions only accurate, lawful application and reporting of my timely payment. 

This false statement by XXXX now becomes evidence of bad faith, and may reflect confusion with another consumer or account, compounding the harm.

Legal Violations Cited : I allege the following violations of federal law : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) : Furnishers shall not report information if they know or have reasonable cause to believe it is inaccurate.

15 U.S.C. 1681s2 ( b ) : Once a dispute is received, furnishers must conduct a reasonable investigation and correct inaccuracies promptly.

15 U.S.C. 1681e ( b ) : Credit reporting must follow reasonable procedures to assure maximum possible accuracy. 

FTC Act Deceptive Practices 15 U.S.C. 45 ( a ) : Prohibits deceptive or unfair acts or practices in commerce, which includes misleading credit reporting practices like using suspense statuses to mask timely payments.

Metro 2 Compliance Violations Use of disputed or suspense codes without a legitimate consumer dispute violates Metro 2 Credit Reporting Resource Guide standards and creates misleading data for CRAs.

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 2025-08-01 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:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-01 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: FL

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief