vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: MA

Complaint narrative:
I am filing this follow-up complaint because Linebarger Goggan Blair & Sampson failed to resolve the core issue in my previous complaint ( CFPB # XXXX ) and then closed the case. 

The core issue remains : Linebarger 's initial " validation '' of this debt included an invoice for {$710.00} that I had already paid. This is a deceptive and misleading practice. In their response to my first complaint, they did not deny including this invoice. Instead, they tried to dismiss the entire matter with a flawed legal argument, claiming the Fair Debt Collection Practices Act ( FDCPA ) does not apply to tolls. 

They now admit the {$710.00} payment was received but claim it was applied to " then-most-recent travel '' and not the older debts sent to collections. This new explanation proves my original point : their initial communication was confusing, misleading, and did not accurately represent what was owed. A consumer can not be expected to decipher their internal accounting codes ( like " XXXX '' entries ). The burden is on the collector to provide clear, accurate, and non-misleading information from the start. Linebarger failed catastrophically in this duty.

Linebarger 's claim that the FDCPA does not apply is a red herring designed to avoid accountability. 

State Law Applies : Regardless of their FDCPA argument, Linebarger 's conduct violates Massachusetts General Laws Chapter 93, Section 49, the state 's debt collection regulations. The Massachusetts Attorney General 's office explicitly applies these rules to the collection of government fines and fees by third-party collectors like Linebarger.

Consumer Protection Law Applies : Their actions also constitute unfair and deceptive practices under M.G.L. c. 93A, the Massachusetts Consumer Protection Act. Providing misleading validation is inherently " deceptive. '' UDAAP : Furthermore, providing false or misleading information to consumers is an " Unfair, Deceptive, or Abusive Act or Practice '' ( UDAAP ), which falls under the CFPB 's enforcement authority. 

I have made numerous good-faith efforts to resolve this : I requested validation via fax on XX/XX/year>. 
I received and reviewed their validation, which included the paid invoice. 
I sent a detailed letter rejecting their invalid validation. 
I filed a previous CFPB complaint ( # XXXX ). 
I have provided clear proof of my {$710.00} payment. 

At every step, Linebarger has chosen to obfuscate and avoid rather than address the simple fact of their error.

Their failure to be transparent has forfeited their right to collect this debt through automated, aggressive means.

Attachments : Linebarger 's full response to my previous CFPB complaint. 
Proof of my {$710.00} payment. 
Copies of my previous dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: MI

Complaint narrative:
Upon reviewing my credit reports from XXXX XXXX and TransUnion, I identified multiple fraudulent accounts This activity has made it extremely difficult for me to secure housing, employment opportunities, and legitimate credit, through no fault of my own.

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 2025-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: MO

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX, Kansas XXXX, used IQ Data International Inc XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. to open a collection account on XX/XX/year>, for {$3300.00}. I disputed the debt through XXXX XXXX, stating I had no knowledge of it, and subsequently received multiple phone calls from IQ Data International Inc. On XX/XX/XXXX, I contacted them to negotiate or settle the debt, and they referred me to XXXX XXXXXXXX XXXX XXXX charging me {$1.00} to dispute the debt. However, I was unexpectedly charged {$24.00} on XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX XXXX without my authorization. When I called IQ Data International Inc. again on XX/XX/XXXX to dispute the debt, they tried to get me to use XXXX XXXX XXXX again. I believe this is a deceptive practice and would like to dispute the debt and request an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Tilt Finance, Inc.
State: OH

Complaint narrative:
On the application it clearly states XXXX with no less than XXXX. I have repaid several of these loans back and now my limit is less than the starting point. There is no way to call or get a phone number as they were only doing AI chat through the application. To me this is false advertisement with the lowering of the limit to less than XXXX. Please help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX XXXX : XXXX My name is XXXX XXXX. I am disputing a collection account that is being inaccurately reported on my credit file. The account is listed as : The Bureaus Account XXXX XXXXXXXX This account is not being reported with maximum accuracy as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. By continuing to report this account in its current form, the credit bureaus are violating federal law.

I request that this account be investigated immediately and corrected or removed from my credit report to ensure compliance with the FCRA. 

Sincerely, XXXX XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: VA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX90.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: WA

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 that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes. I have used Zelle multiple times and after reporting my issue, my financial institution and Zelle failed to investigate my claims in a reasonable manner. They informed me that they denied my disputes and that my lost funds would not be recovered, despite explaining the situation and filing a report about the incident with the proper authorities. Zelle has neglected to take into account its customer concern, allowing for those scammers to be able to continue to exploit its systems and failed find a resolution for the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: AL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my XXXX XXXX credit dispute. 

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days. 

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ). 

The disputed item ( s ) are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed XXXX XXXX XXXX XXXX XXXX  Collection/Chargeoff XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX XXXX Collection/Chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CA

Complaint narrative:
This complaint is not submitted in error. My credit report shows accounts that were never opened, authorized, or managed by me. Their presence is inaccurate, misleading, and damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CO

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I granXXXX authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp.
State: NY

Complaint narrative:
This account is to be closed, but its still showing as opened on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: MO

Complaint narrative:
Vance & Huffman are attempting to collect a debt that they have no legal standing or ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am filing this new 3rd complaint against Portfolio Recovery Associates for willful and continuous violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Despite my prior dispute and submission of supporting documentation, your company has failed to provide a single piece of verifiable evidence to validate the alleged debts reported under my name. Instead, Portfolio Recovery continues to verify and reinsert accounts onto my credit file without notice or proof, in direct violation of : FCRA 611 ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable reinvestigation and removal of unverifiable information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Furnishing inaccurate information to consumer reporting agencies.

FCRA 611 ( a ) ( 5 ) ( B ) : Reinsertion of previously deleted information without proper certification and notice within 5 business days.

FDCPA 809 ( 15 U.S.C. 1692g ) : Failure to provide proper debt validation upon request.

Your companys behavior is not only unlawful, but also abusive. You are knowingly ignoring federal law and playing with the CFPBs complaint platform by submitting evasive and non-substantive responses, deliberately prolonging the process without addressing the dispute or providing proof.

Let the record show : The first dispute resulted in the deletion of only one account, when both should have been deleted due to lack of validation.

More than 60 days have now passed since my initial complaint, and Portfolio Recovery has willfully failed to comply with federal law.

I have screenshots, documented evidence, and a timeline of violations demonstrating Portfolio Recoverys ongoing misconduct.

These unlawful actions have caused me severe emotional distress, reputational damage, and economic harm by hindering my ability to obtain fair credit and forcing me to repeatedly defend myself against false reporting.

This is my final attempt to demand compliance before I escalate this matter. If Portfolio Recovery does not immediately : 1. Delete all unverifiable accounts from every credit reporting agency, and 2. Cease all collection and reporting activity related to these accounts, I will pursue legal action for damages under FCRA and FDCPA, in addition to filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney Generals Office.

Portfolio Recovery Associates has repeatedly demonstrated a pattern of bad-faith conduct and disregard for consumer protection laws. I demand resolution without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
They stole money out my account I didnt even have a card to the account when the transaction was made also says I owe XXXX when I transferred the money into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$0.00} Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$0.00} Account Name : DPT EDXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$81000.00} Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$870.00}

Company response to consumer: Closed with explanation