vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is a follow-up to CFPB Complaint ID XXXX, which was marked closed after Portfolio Recovery Associates responded but failed to address the main issue. I am filing again because the company is still reporting this same collection account inconsistently across credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX, the account is listed as closed, in collections, with a full balance. 
On XXXX, the account is listed as open, in collections, with a full balance and no original

creditor listed. These are materially inconsistent statuses for the same account. This creates a misleading and inaccurate credit profile and is grounds for deletion or correction. Additionally, I am attaching a copy of the debt validation letter I mailed to Portfolio Recovery. They never provided proper validation of the debt only a generic summary, which I do not believe satisfies their obligations under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting full deletion of this tradeline across all credit bureaus due to the companys failure to validate and their ongoing inaccurate and inconsistent credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: UT

Complaint narrative:
I had filed some disputes in regards to a XXXX XXXX account. I had gone on vacation and they had us do a timeshare presentation but my husband and I ultimately decided to not move forward with it. However, they then put the account in anyway and I have been fighting with them for months because I never willingly agreed to ever be in a timeshare.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: UT

Complaint narrative:
I had filed some disputes in regards to a XXXX XXXX account. I had gone on vacation and they had us do a timeshare presentation but my husband and I ultimately decided to not move forward with it. However, they then put the account in anyway and I have been fighting with them for months because I never willingly agreed to ever be in a timeshare.

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 2025-08-15 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-08-15 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-08-15 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: VA

Complaint narrative:
Consumer Name : XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian 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. These are the fraudulent, inaccurate, and false information ; Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XXXX XXXX Aggressive Dispute Letter for XXXX XXXXXXXX XXXX XXXX XXXX  Re : Demand for Immediate Removal of Inaccurate " Charged Off '' XXXX XXXX XXXX  Account [ Last 4 Digits : XXXX ] XXXX XXXX XXXX  To XXXX XXXX XXXX XXXX XXXX XXXX  [ Dispute Address Certified Mail Return Receipt Requested XXXX XXXX XXXX  Subject XXXX XXXX XXXX XXXX XXXX Formal Dispute & Demand for Deletion of Inaccurately Reported " Charged Off '' Account Violations of FCRA, UCC, and Contract Law XXXX XXXX  Dear Credit Bureaus, I dispute in full the inaccurate reporting of the above-referenced XXXX  XXXX account, which is falsely labeled as " charged off '' and " unpaid. 'XXXX XXXX XXXX  This account was paid in full per the attached payoff letter, and its continued reporting as a derogatory item constitutes defamation, negligence, and multiple violations of federal and commercial law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis for Immediate Deletion : XXXX XXXX XXXX XXXX XXXX Breach of UCC Good Faith & Accord/Satisfaction ( UCC 1-304 , 3-311 ) : XXXX XXXX XXXX Under UCC Article 3, a debt is XXXX XXXX extinguished XXXX XXXX upon acceptance of payment. XXXX XXXX  XXXX  of payment ( attached ) voids any " charge-off '' status. 
XXXX XXXX Case Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment discharges obligation ). 

XXXX XXXX XXXX  FCRA Violations ( 15 U.S.C. 1681e ( b ) ) : XXXX XXXX XXXX  You are required to maintain " maximum possible accuracy. '' Reporting a XXXX XXXX paid account XXXX XXXX as " charged off '' is XXXX XXXX willfully misleading XXXX XXXX and harms my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( FCRA liability for failing to correct inaccuracies ). 

XXXX XXXX XXXX Contract Law & Unjust Enrichment : XXXX XXXX XXXX XXXX XXXX retention of payment while reporting the debt as unpaid constitutes XXXX XXXX unjust enrichment XXXX XXXX and breaches the implied covenant of good faith. 

XXXX XXXX XXXX XXXX XXXX  Demand XXXX XXXX XXXX XXXX XXXX XXXX Immediately delete XXXX XXXX the " charged off '' tradeline from all credit reports. 
XXXX XXXX XXXX Cease XXXX XXXX any further misreporting of this account. 
XXXX XXXX XXXX  Provide written confirmation XXXX XXXX of correction within XXXX XXXX 15 days XXXX XXXX of receipt. 

XXXX XXXX Failure to comply XXXX XXXX will result in escalation to the CFPB, FTC, and private litigation for XXXX XXXX willful non-compliance ( FCRA 1681n ) XXXX XXXX, defamation, and punitive damages. 

XXXX XXXX  Attached : XXXX XXXX XXXX Payoff Letter ( Proof of Payment ) Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request Pursuant to 15 U.S.C. 1692g ( b ) Account No. : Dear Waypoint Resource Group, This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and serves as a formal request for validation of the debt you allege I owe.

I dispute this debt in its entirety and request that you provide complete documentation proving that I am legally obligated to pay it. Until such documentation is provided, you must cease all collection activities, including reporting to any consumer reporting agency.

Specifically, please provide : 1 The name and address of the original creditor.

2 The original signed agreement or contract that created the alleged debt.

3 A complete itemized accounting from the original balance to the amount you now claim, showing all fees, interest, and payments.

4 Proof of your legal standing to collect this debt, including any assignments or transfer agreements.

5 Proof that the statute of limitations has not expired for collecting this alleged debt.

6 A copy of any judgment you may claim has been obtained against me.

Under 15 U.S.C. 1692g ( b ), all collection activity including credit reporting must stop until you mail me the requested validation. If you continue collection without providing proper validation, you will be in violation of federal law and subject to civil liability under 15 U.S.C. 1692k.

This letter is a good-faith attempt to resolve this matter without escalation. However, if you fail to respond within 30 days or continue to pursue collection without providing validation, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

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 2025-08-15 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am contacting you to dispute an account listed on my credit report that is fraudulent. I have never applied for, opened, or authorized this account. Its continued reporting is harming my credit standing and misrepresenting my financial history.

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 2025-08-15 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: TX

Complaint narrative:
Equifax confirmed the deletion of a disputed collection account ( XXXX XXXX / XXXX ) in writing on XX/XX/scrub> 2025. However, when I checked my updated credit report on XX/XX/scrub> 2025, the same account was still actively reporting on my Equifax credit file with a derogatory status and balance of {$2400.00}.

This is a direct contradiction and a clear violation of FCRA 611. It is misleading, and no explanation has been provided for why the account remains.

I am attaching : The Equifax dispute response confirming deletion.

The updated credit report showing the item still being reported.

I respectfully request that the account be permanently deleted and that Equifax provide confirmation this issue is resolved and will not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: PA

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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: MI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-15 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: MN

Complaint narrative:
I can not withdraw {$420.00} from my cash app accounts it reads that there's a problem. That my account is locked. I have contact cash app XXXX number and they're not able to assist me in the department that I called. But there is a difference department that would help me but they could only help me through email I have yet to receive the email from Cash app telling me what are they going to do to relinquish my funds that I need it for this weekend for my children are on their way to college.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-08-15 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: January Technologies, Inc
State: IL

Complaint narrative:
I am disputing a charged-off loan of {$410.00} from XXXX ( XXXX XXXX ) for a purchase I made from a merchant called XXXX XXXX. 

I placed an order and paid through XXXX, but the merchant never shipped the item. In the XXXX XXXX XXXX, there was never any tracking number assigned, which proves the order was never shipped. I have attached a screenshot of this.

I made multiple attempts to contact the merchant via email and through their website messaging portal, but I never received a response. The merchant has since taken down their website entirely, which supports my claim that they are no longer operating and were likely engaging in fraudulent activity.

Because the product was never delivered, I disputed the charge with my credit card company and was refunded in full after proving drifters collective was a fraudulent company. Despite this, XXXX reported the account as charged off, and I have now been contacted by January, a debt collection agency, attempting to collect on this invalid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
transunion removed some address but not the other buerues

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
transunion removed some address but not the other buerues

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX added to my loan car insurnance for the past three years when I had car insurance. When I contacted them they just reimburemnt me for the over charges and closed my account, but didn't remove the late payments that accord do to them adding extra charges to my account.Account would have been paid off in 2023 if they hadnt add charges.

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