vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding PORTFOLIO RECOVERY in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect. 

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the PORTFOLIO RECOVERY containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Texas Without proof of ownership or a chain of title, PORTFOLIO RECOVERY has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information. 

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account.

2. Cessation of all collection activity unless and until full validation and legal standing are established. 

XXXX. A complete investigation by your agency into PORTFOLIO RECOVERY 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector : PORTFOLIO RECOVERY Original Creditor : [ Original Creditor Name ] Alleged Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of alleged charge-off or transfer : [ Month/Year ] Date of collector 's first contact : [ Month/Year ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 seven years.

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.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC
State: GA

Complaint narrative:
I never recieved and information from anyone about this account that they say I owe.i dont know what it is, when it is for. 
The account is reference number XXXX. Says I owe {$410.00} This paper is from the XXXX XXXX XXXXXXXX XXXX Says my account is with With cascade capital Funding account XXXX NEVER HAVE I EVER HEARD OF THIS PLACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I discovered XXXX online bill payments made from my checking account to Capital one were made to the wrong account number ( my mistake ). I contacted Capital One XX/XX/year>, They requested copies of the Electronic Transmittal Reports be faxed to XXXX and each should include my name, full credit card account number, date and amounts of the payments. 

Despite having done and confirmation received, Capital One has said they have not received it. 3 separate cases were opened at Capital One including a link to submit the same electronic transmittal reports. The links did not work. I have spent at least XXXX hours on the phone and the latest XXXX minutes call the XXXXXXXX XXXX XXXX XXXXXXXX at Capital One ended in a disconnect without a call back. The second today. 

It has been 30 days from the first payment and Capital One has neither returned the payments to my bank, has not applied the credits to my account. I would bet money that they debited the account where the payment was applied and is just sitting on the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: VA

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 2025-11-03 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am filing this complaint against Experian, TransUnion, and Equifax for their ongoing failure to verify, correct, or remove inaccurate information from my credit reports, despite multiple disputes submitted since XX/XX/year>. 
Each dispute was sent by certified mail and included highlighted copies of the inaccurate items, proof of identity and address, and written explanations identifying the errors. Despite this, all three credit bureaus have failed to provide documentation verifying their reinvestigation process or identifying the sources used to confirm the information. 
These companies continue to report inaccurate or unverifiable data, which violates the Fair Credit Reporting Act ( FCRA ) and Meta 2 compliance requirements, including : FCRA 602 ( A ) : Duty to ensure fair and accurate reporting.

FCRA 607 ( b ) : Duty to maintain maximum possible accuracy. 
FCRA 611 ( a ) : Duty to conduct a reasonable reinvestigation within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibition against furnishing inaccurate information.

State-Level Action and Agency Referrals : I first filed with the Florida Attorney Generals Office , which confirmed receipt of my complaint and responded with the following statement : The Florida Attorney General 's Office received your correspondence regarding credit reporting and debt collection-related concerns. We have shared your information with the Attorney General 's Consumer Protection Division. You may also wish to contact the states mediation program operated by the Florida Department of Agriculture and Consumer Services ( DACS ), XXXX XXXX XXXX XXXX 
Following their referral, I have filed separate complaints with DACS against Experian, TransUnion, and Equifax, which are now under review. 
Despite these actions, the credit bureaus have not provided proper verification or corrected the inaccurate information, demonstrating continued noncompliance even after state-level intervention. 
Additionally, Equifax has restricted my access to my online account. Their system recognizes an account in my name but prevents me from logging in or resetting it, even after multiple phone calls and verification attempts. This ongoing access issue has prevented me from viewing or managing my report directly or monitoring the status of disputes.

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 2025-11-03 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: FL

Complaint narrative:
I am filing this complaint against Experian, TransUnion, and Equifax for their ongoing failure to verify, correct, or remove inaccurate information from my credit reports, despite multiple disputes submitted since XX/XX/year>. 
Each dispute was sent by certified mail and included highlighted copies of the inaccurate items, proof of identity and address, and written explanations identifying the errors. Despite this, all three credit bureaus have failed to provide documentation verifying their reinvestigation process or identifying the sources used to confirm the information. 
These companies continue to report inaccurate or unverifiable data, which violates the Fair Credit Reporting Act ( FCRA ) and Meta 2 compliance requirements, including : FCRA 602 ( A ) : Duty to ensure fair and accurate reporting.

FCRA 607 ( b ) : Duty to maintain maximum possible accuracy. 
FCRA 611 ( a ) : Duty to conduct a reasonable reinvestigation within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibition against furnishing inaccurate information.

State-Level Action and Agency Referrals : I first filed with the Florida Attorney Generals Office , which confirmed receipt of my complaint and responded with the following statement : The Florida Attorney General 's Office received your correspondence regarding credit reporting and debt collection-related concerns. We have shared your information with the Attorney General 's Consumer Protection Division. You may also wish to contact the states mediation program operated by the Florida Department of Agriculture and Consumer Services ( DACS ), XXXX XXXX XXXX XXXX 
Following their referral, I have filed separate complaints with DACS against Experian, TransUnion, and Equifax, which are now under review. 
Despite these actions, the credit bureaus have not provided proper verification or corrected the inaccurate information, demonstrating continued noncompliance even after state-level intervention. 
Additionally, Equifax has restricted my access to my online account. Their system recognizes an account in my name but prevents me from logging in or resetting it, even after multiple phone calls and verification attempts. This ongoing access issue has prevented me from viewing or managing my report directly or monitoring the status of disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WI

Complaint narrative:
On Sunday XX/XX/XXXX I went to use my Cash App and noticed that I was logged out of my account and had to get a code to log back in. Upon logging back in I was notified that my account was closed. I had violated none of the TOS and then received no emails stating that my account was closed. Then I was prompted by support to file an appeal. On XX/XX/XXXX they sent me an email in which they told me my account was linked to a TOS violation but wont say what I did wrong and that they will not reverse closing my account. I am a small business owner and Cash App is crucial to my operations so I went to make another Cash App and they closed that one as well claiming that my social security number is linked to an account violation. I have followed cash apps terms of service to a XXXX and they themselves can not tell me what the issue is and I find it absolutely ludicrous that I can not open another account since my old one is closed and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing a formal complaint against Jefferson Capital Systems regarding an alleged debt under account number # XXXX. This debt is not mine, and I have no knowledge or record of it. 
I previously requested debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), but Jefferson Capital Systems has failed to provide any documentation to verify the debt. Despite this, they continue to pursue collection activity, which is a violation of my consumer rights. 
I demand that Jefferson Capital Systems : Immediately cease all collection efforts Provide full and complete validation of the alleged debt Remove any negative credit reporting associated with this account Be held accountable for noncompliance with federal law I am requesting the CFPB to investigate this matter and ensure that Jefferson Capital Systems complies with all legal obligations regarding debt verification and consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
Subject : Formal Dispute and Demand for Deletion of Fraudulent Account Violation of FCRA & FDCPA Dear FirstPoint Collections Department, I am writing to formally dispute the accuracy and validity of a collection account that your company has reported to the credit bureaus. The account in question allegedly concerns a balance of {$230.00} connected to XXXX XXXX XXXX. Your records indicate an open date of XX/XX/year>, which is both fraudulent and inaccurate. 
According to my records, the XXXX XXXX XXXX policy associated with this account was closed on XX/XX/year>, and I never received any notice of a final bill, balance due, or collection warning from XXXX XXXX. I was unaware that any balance existed, and I was not provided any opportunity to address it prior to your companys reporting. The reporting of a false open date and the appearance of this collection on my credit report constitute willful and negligent violations of federal law.

Violations Cited : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) & ( b ) * Furnishers of information ( such as FirstPoint ) are required to provide accurate information to credit reporting agencies. Reporting an incorrect open date and an unverified debt violates your obligations under these sections. 
* Upon notification of a dispute, you are legally required to investigate the claim and correct or delete any unverifiable or inaccurate information within 30 days. 
2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 2 ) ( A ) * It is illegal for a debt collector to misrepresent the character, amount, or legal status of any debt. Reporting a false open date and attempting to collect a debt that was never properly billed or verified violates this statute.

Action Requested : I hereby request that you : * Immediately delete this collection account from all credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX 
* Provide written confirmation that this account has been removed and will no longer be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

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 2025-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
I am filing this complaint regarding Citizens One / Citizens Bank in connection with my XXXX XXXX XXXX XXXX loan. Around XX/XX/year>, XXXX changed the card number associated with my XXXX XXXX, and my automatic payments to Citizens One stopped as a result. I was never notified by mail of any right to cure or default notice before the account was flagged as delinquent or charged off. 

Today ( Monday, XX/XX/year>, around XXXXXXXX XXXX XXXXXXXX ), I called Citizens One at XXXX to resolve the issue and bring my account current. Despite the website and XXXX stating that their offices were open, the representative claimed the department was closed, refused to transfer me to a supervisor or open office, and then hung up on me while I was attempting to make a payment. 

Citizens One is refusing to accept my payment and is preventing me from curing the account despite my willingness to do so. I believe this violates fair debt collection and servicing standards, and Im requesting CFPB assistance to ensure that Citizens One allows me to bring my account current and removes any negative reporting that resulted from their error and lack of notice. 

Requested Resolution : Reinstatement of my XXXX XXXX XXXX loan. 

Acceptance of my payment to bring the account current. 

Removal of any negative credit reporting caused by Citizens Ones error or failure to provide required written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 seven years.

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.

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