vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-11 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT 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 XXXXXXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT 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 XXXXXXXXXX/XX/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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year>, my daughter and I, who co-own an LLC that holds three rental properties that we lease out, and of which I am the managing member ( as spelled out in the LLC agreement which we provided ) submitted an on-line application to open a business checking and savings account to a large national bank. We did this after moving to the DC area from XXXX where we have had a business account with a regional bank for 9 years. As there are no branches of that bank nearby, we chose to go with a national bank instead. 

On XX/XX/XXXX, the bank requested documents which we uploaded that day through the provided link. On XX/XX/XXXX we received separate emails stating that each account had been approved. 

On XX/XX/XXXX, I funded both accounts from checks written on the XXXX account. I did a mobile deposits through the banks app. I received emails indicating the checks had been received on XX/XX/year>, and deposited on XX/XX/year>. I would check the app each day to see if funds were available because I wanted to order checks. I ordered checks on the day the app indicated that half of the deposit was available. Unfortunately, a day or XXXX later, the available balance was again XXXX. I then transferred some funds from savings to checking to cover the cost of the checks. I received an email XX/XX/year> stating that the transferred funds would be immediately available, however, that was NOT THE CASE. To this day, after XXXX trips to branches and multiple calls to customer service, NO EXPLANATION has been given as to the unavailability of funds. Furthermore, I now have been denied access to the mobile app.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FEDChex Recovery, LLC
State: UT

Complaint narrative:
In XX/XX/XXXX I rented a XXXX XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX XXXX ) for {$440.00}. The car became inoperable within the first XXXX hours, leaving me XXXX miles from home. XXXX arranged a tow from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and took custody of the XXXX vehicle. I then paid {$350.00} for a XXXX XXXX  rental to get home. 

After XXXX assumed custody, I had no access to complete checkout photos. Weeks later, XXXX claimed I owed {$1000.00} for windshield damage. The tow provider confirmed no pre-existing damage at pickup and supplied a photo showing the windshield intact when the car was loaded. I also have XXXX witnesses willing to sign affidavits that there was no damage at handoff. 

Despite multiple submissions of evidence, XXXX ignored these facts and referred the disputed balance to XXXX XXXX XXXX  ( FedChex ), threatening credit reporting. I sent written disputes under the FDCPA and FCRA ; this is an attempt to collect a debt not owed and an unverified collection. 

Requested relief : ( XXXX ) cease collection and any credit reporting ; ( XXXX ) cancel the alleged debt and confirm in writing ; ( XXXX ) reimburse {$350.00XXXX XXXX expense and refund the rental ; ( XXXX ) remove any related credit entries. I have attached the tow photo, tow statement, witness list, XXXX receipt, and email/chat history. 

Company : XXXX XXXX ( add FCR Collection Services ) Outcome requested : Refund, stop collection, correct credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the continued reporting of inaccurate and unverifiable information on my credit report. Despite previous notices and disputes, your bureau is still failing to ensure the accuracy of my credit information. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically : 15 U.S.C. 1681i requires a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy.

Your failure to remove or correct inaccurate information is harming my creditworthiness, financial opportunities, and reputation. I demand that all inaccurate information be immediately removed or corrected. Continued reporting of false information may result in formal complaints to the CFPB, FTC, and other relevant authorities, as well as potential legal action under federal law.

I expect prompt confirmation that my dispute has been received and that corrective action has been initiated. This matter is urgent, and further inaction will not be tolerated. Your bureau is legally obligated to maintain accurate reporting compliance is non-negotiable.

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 2025-11-11 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: TX

Complaint narrative:
I am formally disputing the continued reporting of inaccurate and unverifiable information on my credit report. Despite previous notices and disputes, your bureau is still failing to ensure the accuracy of my credit information. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically : 15 U.S.C. 1681i requires a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy.

Your failure to remove or correct inaccurate information is harming my creditworthiness, financial opportunities, and reputation. I demand that all inaccurate information be immediately removed or corrected. Continued reporting of false information may result in formal complaints to the CFPB, FTC, and other relevant authorities, as well as potential legal action under federal law.

I expect prompt confirmation that my dispute has been received and that corrective action has been initiated. This matter is urgent, and further inaction will not be tolerated. Your bureau is legally obligated to maintain accurate reporting compliance is non-negotiable.

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 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
Company : GoodLeap, LLC Loan Number : XXXX Product : Solar financing loan Summary of Complaint : I obtained financing for my solar installation through GoodLeap in 2024. 
After over a year of timely payments totaling approximately {$6400.00}, the principal on my {$39000.00} loan has only decreased by about {$350.00}, leaving a remaining balance of roughly {$38000.00}. 

Despite paying on schedule and in full, almost all payments have been applied to interest or XXXX XXXX XXXX designations. I have not received a clear amortization schedule or a transparent breakdown of how payments are allocated. 

I believe GoodLeap may be engaging in unfair or deceptive servicing practices, including : Applying payments primarily to interest while misrepresenting the loan as standard financing; Failing to disclose deferred-interest or balloon structures ; Withholding clear amortization and balance information from borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I contacted TransUnion to request the Method of Verification ( MOV ) for the XXXX XXXX XXXX account, as allowed under FCRA 611 ( a ) ( 7 ). During this call, I was incorrectly told to contact the furnisher directly instead of TransUnion fulfilling the request. 

On XX/XX/year>, I called again to request the MOV. Rather than processing it as an MOV, TransUnion initiated a new XXXX dispute. On XX/XX/year>, I mailed a formal written MOV request to clarify that this was not a new dispute but a verification request. TransUnion again treated it as a dispute instead of providing the required verification within XXXX business days. 

On XX/XX/year>, I followed up in writing and by phone, requesting the XXXX within XXXX business days. As of XX/XX/year>, TransUnion has still not provided the Method of Verification or any documentation showing how the XXXX account was verified. 

Despite multiple follow-ups ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), TransUnion never XXXX the required method of verification within XXXX business days ( deadline XX/XX/XXXX ). 
This constitutes a violation of FCRA 611 ( a ) ( 7 ), as TransUnion failed to provide the MOV within the required timeframe after multiple verbal and written requests.

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 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I got an engagement ring for my Fiance last XXXX- right after hurricane XXXX XXXX Little did I know the restaurant i was XXXX XXXX  at would close down permanently about XXXX weeks later. I lost my job and was on unemployment for a few months before a XXXX XXXX XXXX i had lined up, working with a local farm, would start in XXXX. That ended up not happening and im still out of work. 
I've explained this all to them and they refuse to offer any help since I cant verify my employment and they call me easily XXXX times a day always from a different number marked spam or from a private number. The ones who call from the private number are the worst. They're rude, condescending, abrasive, and wholly unsympathetic towards whats going on with me. I fully plan to pay the dept- i just cant right now and having them behave this way isn't helping my already overwhelming stress levels. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE

Complaint narrative:
I paid {$11000.00} to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX in XX/XX/XXXX for a set of dentures. The provider stated that the dentures were completed, but I was never given the dentures and have not received a refund. 

On XX/XX/XXXX, I received a letter from the provider terminating me as a patient, even though treatment was not completed and no product was delivered. This constitutes patient abandonment, breach of contract, and failure to provide services paid for. 

I sent a certified letter requesting that they deliver the dentures, refund my money, or transfer my dental records and lab work, but they have not responded. It has now been over XXXX months without any resolution. 

Their actions violate multiple laws and regulations, including : Delaware Dental Practice Act ( 24 Del. C. 1100 et seq. ) prohibits abandonment of patients mid-treatment.

Delaw

are Consumer Fraud Act ( 6 Del. C. 2513 ) prohibits misrepresentation of services provided. Delaware Medical Practice Act ( 24 Del. C. 1700 et seq. ) requires providers to uphold professional standards. 
CMS Conditions of Participation ( 42 C.F.R. 482.12 & 482.13 ) guarantee continuity of care and patient rights. 

I am asking the CFPB to investigate this matter as a case of financial harm and service non-delivery.

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 2025-11-11 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 filing this complaint because [ XXXX  / XXXX  XXXX TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : TU : XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) regarding inaccurate and unverifiable collection accounts that are harming my credit score. 
The following accounts are being improperly reported on my credit reports : LVNV Funding LLC {$1200.00} Reported XX/XX/year> LVNV Funding LLC {$840.00} Reported XX/XX/year> XXXX XXXX XXXX {$220.00} Reported XX/XX/year> Summary of Issues : 1Failure to Validate Debt ( FDCPA 809 ( b ), 15 U.S.C. 1692g ) : I have not received proper validation or proof that these debts are mine. The collectors have not provided any original creditor agreement, signed documentation, or itemized accounting. Continuing to report or collect on these unverifiable debts violates FDCPA 807 ( 8 ) and 809 ( b ).

2Duplicate Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) : LVNV Funding LLC is reporting two separate accounts with identical reporting dates. This appears to be a duplicate entry, which is inaccurate and misleading under the FCRA. 
3Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ( a ) ( 1 ) ( A ) ) : Despite my direct disputes to TransUnion and Equifax, no reasonable reinvestigation or documentation verifying the accounts was provided. Both bureaus have failed to meet the required standards of accuracy and consumer protection.

4Reporting Unverified Information ( FCRA 607 ( b ) ) : Credit reporting agencies and data furnishers must maintain the maximum possible accuracy of consumer data. Reporting unverifiable or duplicate accounts violates this federal requirement. 
Requested Resolution : Conduct a full investigation into the reporting practices of LVNV Funding LLC and XXXX XXXX XXXX. 
Delete all unverifiable and duplicate collection accounts from my credit reports. 
Cease all further collection or reporting activity unless proper validation can be produced. 
Provide written confirmation of the results of this investigation. 
These inaccurate and duplicate accounts have caused significant and unfair harm to my creditworthiness. I request the CFPBs assistance in enforcing compliance with federal consumer protection laws and ensuring immediate deletion of these erroneous tradelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am disputing the accuracy and legality of this Portfolio Recovery Associates collection account. 
The balance, date opened, payment history, first delinquency date, and status reporting do not match the original creditors records. PRA is reporting inaccurate and inconsistent information across the bureaus, which is a direct violation of FCRA 1681e ( b ) and 1681i.

PRA is a debt buyer and must provide full chain of title, itemized accounting from charge-off to present, verification of the alleged debt, and proof that they have the legal right to report this account. They have failed to do so.

I previously disputed this with the bureau, and PRA responded with FCRA dispute completed consumer disagrees, without providing any documentary evidence.

Please require PRA to fully validate this account or delete it from all credit bureaus.

Company response to consumer: Closed with explanation