vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter constitutes my FORMAL AND CONTINUED DISPUTE regarding the XXXX  tradeline that you continue to report on my consumer credit file. 

At this stage, the issue is no longer a simple disputeit is a matter of federal compliance failure. 

MATERIAL INACCURACIES AND REPORTING CONFLICTS Your reporting of this account contains multiple material defects, including but not limited to : Conflicting open/closed status Reporting a XXXX balance while simultaneously reporting collection/charge-off activity Inconsistent dates of activity and reporting Late payment indicators with no valid payment obligation shown Inability to report this account uniformly across all consumer reporting agencies Such inconsistencies render this tradeline inaccurate, misleading, and legally unverifiable. 
NO PERMISSIBLE PURPOSE FCRA 604 ( 15 U.S.C. 1681b ) You have failed to demonstrate that you have any permissible purpose to continue reporting this account. 

To date, I have received no documentation establishing : A signed agreement Written authorization A lawful basis for continued reporting Absent a permissible purpose, the continued inclusion of this tradeline on my credit report is expressly prohibited under federal law. 

FAILURE TO CONDUCT A REASONABLE REINVESTIGATION FCRA 611 Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation.

Merely confirming data through automated systems or repeating unverified information from a furnisher does not meet the statutory requirement, especially where the data itself is internally contradictory. 

Your reinvestigation procedures in this matter are therefore legally deficient. 

FAILURE TO MAINTAIN MAXIMUM POSSIBLE ACCURACY FCRA 607 ( b ) Pursuant to 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy.

An account can not lawfully be reported as : Closed yet actively derogatory XXXX balance yet charged off Accurate while containing conflicting data points This constitutes inaccurate and misleading reporting in direct violation of the FCRA. 

WILLFUL NONCOMPLIANCE AFTER ACTUAL NOTICE You are now on actual notice of these violations. 

Any continued reporting of this tradeline after receipt of this letter will constitute willful noncompliance, subjecting you to liability under : 15 U.S.C. 1681n Willful Noncompliance 15 U.S.C. 1681o Negligent Noncompliance

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and Innovis for the continued reporting of an inaccurate, incomplete, and unverifiable federal bankruptcy on my consumer credit reports, despite multiple written disputes and formal notices. 

All four credit reporting agencies are reporting the same alleged bankruptcy public record under varying reference numbers, including XXXX, XXXX, and XXXX. The reporting is materially inconsistent across bureaus and lacks required public record data, which renders the information unlawful to report under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

Specifically : Filed and reported dates are inconsistent across bureaus Release/closing information is missing or incomplete Court identifiers and reference numbers do not align No bureau has produced certified court documentation No bureau has disclosed a lawful method of verification A public record may not be reported unless it is complete, accurate, and capable of independent verification. Automated database matching or third-party data aggregation does not meet the legal standard for verifying a federal court record. Any discrepancy in public record data renders the entire entry unverifiable and unlawful to report. 

Despite notice, all four bureaus have continued to report this bankruptcy as negative information, demonstrating a failure to maintain reasonable procedures to ensure maximum possible accuracy and a failure to conduct a lawful reinvestigation.

This issue is further aggravated by the XXXX  data breach, which exposed my personal identifying information. After that breach, XXXX and any bureau sharing or relying on that data had a heightened obligation to ensure strict accuracy before continuing to report any public records associated with my identity. Instead, defective and inconsistent data continues to be reported. 

I am not requesting an update, correction, or notation. Updating inaccurate public record data does not cure these violations. Because none of the bureaus can demonstrate lawful verification with certified court records, continued reporting constitutes willful noncompliance with the FCRA, XXXX XXXX standards, and the FTC Act ( 15 U.S.C. 45 ).

The continued reporting of this bankruptcy has caused ongoing harm to my credit profile, creditworthiness, and financial opportunities.

Laws Violated FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681i ( a ) Failure to conduct a proper rei
nvestigation FCRA 1681s-2 ( a ) ( 1 ) Furnishing information known or suspected to be inaccurate FCRA 607 ( b ) Reporting unverifiable public records FTC Act ( 15 U.S.C. 45 ) Unfair and deceptive acts or practices XXXX XXXX / XXXX Standards Incomplete and inconsistent public record reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
Two transactions in the amount of XXXX each on XX/XX/XXXX were taken from my cash app account. I provided proof to cash app that the transactions failed and the merchant stole money from my account. I provided cash app with the description of services that were supposed to be provided and submitted a dispute. Cash app denied both disputes because they said I did not provide a description of the services. I have contacted them several times since and they keep giving me the run around and refuse to reopen the dispute. The dispute was not properly investigated and cash app is retaliating against me by shutting my account down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
All of my debt from multiple cards was paid by my friend. Portfolio Recovery Associates has tried to collect debt from my XXXX XXXX XXXX XXXX in the amount of {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-12-26 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute inaccurate and misleading information currently being reported on my credit file. After reviewing my credit report, I found an account that is being reported incorrectly, and I am demanding that it be investigated and corrected or removed immediately. 

The way this account is currently reflected is completely wrong. Whether it's showing late payments that never happened, an open status when the account was closed, or any other inaccurate detail the bottom line is this : the information is not accurate, not current, and not a fair representation of my credit history. I have always paid this account as agreed, and your reporting suggests otherwise, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are required by law to ensure that all information on a consumer 's credit file is complete, accurate, and verifiable. Reporting wrong information especially if it damages someones creditworthiness is not just a mistake, its a violation of federal law.

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 2025-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Mortgage is in the name of the estate of my deceased husband and I am not listed on it. I own the title and have sent in copies of the title/deed, will, death certificate, marriage license, my drivers license, and passport copy. I did not probate the will which was something they say they need before they can make me a successor in interest but I dont have that. Calling in multiple times gives me different outcomes because some representatives say Im on the account and can help me but others say Im not. Its a different result with each call. I think something is wrong where they are not connected or organized or my requests are not going anywhere. They say each time they dont have my email and yet theyve been emailing me denial letters for information! How can I as a widow be able to access the loan Ive been paying on ever since my husbands death if this mortgage company cant seem to verify me properly? 
Representatives have even told me that all my info was received but its pending then I get a denial email! Surely because I didnt need to probate the will this cant now be the reason! Please help as this has cost me numerous issues with my being able to apply for a home equity loan. 
There was also an issue where it was discovered the mortgage was recorded in the wrong county and Newrez refused to correct it and even told me they wanted proof when I got it corrected! Please look into their business practices!

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I must emphasize that this complaint is not an error on my part. My credit report contains inaccuracies that do not reflect the highest level of accuracy possible. These errors are causing me significant distress and are negatively impacting my life in profound ways that are difficult to fully articulate. These are challenging times, and correcting or removing these inaccuracies would provide immense relief and support.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
still reporting wrong information : XXXX TransUnion XXXXXXXX XXXX XXXX XXXX  PA XXXX RE : Dispute of Inaccurate Information on My Credit Report XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report - 15 U.S.C. 1681s-2 ( b ) * * Dear To Whom It May Concern, I am writing to dispute specific inaccuracies on my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) I request deletion/ removed immediately. 

Account XXXXXXXX XXXX XXXX XXXX balance is incorrect ( stated as {$25000.00} and the amount should be {$14000.00} approx. 

Under the Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( b ), you are required to ensure the accuracy and completeness of the information you report. Since the XXXX XXXX XXXX agency has failed to provide proof of the correct amount owed, this account is inaccurate, unverifiable, and must be deleted/ removed immediately

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit adjust account XXXX I am unaware of this debt and I did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " certified mail '' with receipt displaying my signature. If not, please delete account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
On XX/XX/XXXX I used my cashapp card at AB Concessions for a {$12.00} bacon cheeseburger and was charged {$1200.00}. On XX/XX/XXXX I opened a dispute for the transaction via Cashapp with attached proof. On XX/XX/XXXX cashapp issued a {$1.00} temporary credit. On XX/XX/XXXX cashapp emailed me stating the dispute was resolved in my favor. However I had only received {$1.00} out of the {$1200.00}. I have contacted cashapp multiple times and they have acknowledged their mistake and stated to work to resolve the issue and logged my complaint. However they have refused to acknowledge a time frame of when this issue will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
Take a look at the materials shared ; these inquiries came in without prior warning and may not be approved.

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 2025-12-26 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: MI

Complaint narrative:
I have no association with these accounts and didnt create them. Please look into the issue and remove them. Supporting documents are provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 
Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply by allowing unverifiable and inaccurate information to remain.

Unauthorized Accounts Listed Below : 1 ) XXXX  XXXX Amount : {$2500.00} Date XXXX XXXX ) XXXX XXXX XXXX XXXX Amount : {$110.00} Date XXXX XXXX ) XXXX XXXX Amount : {$20000.00} Date XXXX Unauthorized inquiries with no permissible purpose : XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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