vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 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: Self Financial Inc.
State: VA

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act ( 15 U.S.C. XXXXi ) regarding inaccurate information being reported on my credit file. 

Account Name : SELF FINANCIAL/LEAD BANK Account Number : XXXX I previously disputed this item with [ credit bureau ( XXXX XX/XX/XXXX &XX/XX/XXXXXXXX and requested verification, including the original signed contract and a full accounting of the alleged amount. 


To date, I have not received proper verification, yet the account continues to be reported. This violates FCRA XXXX, which requires credit reporting agencies to conduct a reasonable reinvestigation and delete any information that can not be verified within XX/XX/XXXX days. 

I am requesting the CFPB to investigate and compel [ credit bureau ( XXXX XX/XX/XXXX &XX/XX/XXXX) to remove the unverifiable item ( XXXX ) from my credit report and ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
New CFPB Complaint Against Portfolio Recovery Associates ( PRA ) Product : Credit reporting or other personal consumer reports Issue : Incorrect information on your report Complaint Narrative : I am filing another formal CFPB complaint against Portfolio Recovery Associates ( PRA ). PRA continues to report two alleged XXXX XXXX  accounts ( ending in XXXX and XXXX ) that are inaccurate, unverified, and harmful to my credit profile. 

This is now my fourth CFPB complaint regarding these same accounts. My previous complaints are : # XXXX ( XX/XX/year> ) # XXXX ( XX/XX/year> ) # XXXX ( XX/XX/year> ) The CFPB can review these complaint files, including all the attachments, screenshots, and PRAs prior responses. I should not have to re-upload the same evidence over and over again the Bureau already has everything on file.

PRAs responses so far have been inadequate and deceptive. They continue to send only billing statements and internal business records, which is not proper validation under the law. A true validation requires : 1. A signed contract or original application with my name, signature, and the account terms. 


2. Documentation of the complete chain of title showing the legal transfer of the accounts from XXXX XXXX  to PRA. 


3. Proof that PRA is legally entitled to collect and report these accounts. 



PRA has admitted there is no contract with PRA, which means they can not prove they have the legal right to collect or report this debt. Buying an electronic file from XXXX does not give PRA authority to damage my credit with unverifiable information.

By continuing to report without proper proof, PRA is in violation of both the FDCPA ( 15 U.S.C. 1692g ) and the FCRA ( 15 U.S.C. 1681s-2 ).

I am demanding the following : The immediate and permanent deletion of both PRA accounts ( ending in XXXX and XXXX ) from all three credit bureaus. 

PRA must not reinsert these accounts into my credit reports at any time in the future.

A full CFPB investigation into PRAs repeated violations, pattern of evasion, and refusal to provide actual signed documentation.

Enforcement action against PRA for deceptive and harmful practices.

I am sick of PRAs tactics. They continue to respond with meaningless paperwork that does not meet the legal standard of debt validation. I want this matter resolved once and for all, with full deletion and no reinsertion.

Attachments : None CFPB already has my prior uploads in complaint numbers listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I tried obtaining a credit report from Experian for the past year. They have been unable to provide me such. I can not get past there automated system to a live representative and the 1 time that I did get through they transferred me back to the automated system where it keeps hanging up on me multiple times. I can not create an account online, I have been trying for the past year and have had no luck. I can not reach a live person, can not create an account, can not get a credit report, there is no freeze on the account, and no company can pull a credit report from Experian.

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 2025-09-28 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: TN

Complaint narrative:
I RECENTLY RECEIVED AND REVIEWED MY CREDIT REPORT AND FOUND MULTIPLE INACCURATE ACCOUNTS THAT ARE NEGATIVELY IMPACTING MY ABILITY TO OBTAIN CREDIT. I REQUEST AN INVESTIGATION AND IMMEDIATE REMOVAL OF ANY ACCOUNT THAT CAN NOT BE ACCURATELY VERIFIED UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: TN

Complaint narrative:
I RECENTLY RECEIVED AND REVIEWED MY CREDIT REPORT AND FOUND MULTIPLE INACCURATE ACCOUNTS THAT ARE NEGATIVELY IMPACTING MY ABILITY TO OBTAIN CREDIT. I REQUEST AN INVESTIGATION AND IMMEDIATE REMOVAL OF ANY ACCOUNT THAT CAN NOT BE ACCURATELY VERIFIED UNDER THE FCRA.

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 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: WA

Complaint narrative:
Well I was a victim of identity theft and fraud I was supposed to get an inheritance in which I never received a dime from. For nearly 5 years I wasn't able to access my accounts for crypto currency stocks and online Casinos were real cash was established. So I had to make up another account to see if I can get into my other accounts were my revenue was being handled.that was XXXX im just barely getting access to my old accounts and I called emailed Google, XXXX, XXXX, XXXX, with no real results then I started digging into my computer and cell phones more finally getting info downloading and making copies of all the transactions and money moving hands without my authorization. I got most of it documented

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I disputed errors on my XXXX  credit report concerning XXXX XXXX XXXX XXXX for which they corrected the error on XX/XX/XXXX after I forwarded the pdf showing payment.This error caused my score to decrease significantly before it was corrected. Now 2 months later this same error which was corrected by XXXX  but not updated by " XXXX '' has decreased my credit limit by {$1000.00} on my Prosper account. The date of this action was XX/XX/XXXX. The report said I had been 30 days late paying a payment on XXXX XXXX impossible with auto deduction from my XXXX XXXX account.

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 2025-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Williams, Rush & Associates, LLC
State: KS

Complaint narrative:
XXXX XXXX XXXX was something I signed up for in XXXX, maybe XXXX, I got the XXXX XXXX XXXX  guarantee, and shortly after trying to get some new XXXX  I no longer received any contact from them. Come to find out they went bankrupt. I had to get XXXX  a couple years later for wearing XXXX  that are old because they no longer were able to send me new ones. I got XXXX  in XXXX, for a little under XXXX. Fast forward to last month, William Rush & Associated hit my credit card account saying I owe them {$1600.00}, which is crazy, because I paid XXXX XXXX XXXX when I had it till they no longer were open and could send me the XXXX  I was paying for. I definitely do not owe that much, the account is over 5 years old and I think Im being scammed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Credit Central Holdings, LLC
State: GA

Complaint narrative:
upon Applying for this loan online inhouse, i was told there were no add on just to check the button SIGN ALL, i did when i got home and saw the documents online i noticed the add on, i then paid this loan off since it had been past XX/XX/XXXX days. i was told i would receive a refund from the the company who the money was sent to for the products, i dont know who this company is since i received no documentation or booklet or papper work concerning any such company, but fee was added to the loan balance. as of todays date i have rreceived nothing, when i contacted the loan company iwas told it was being processed. even though the original loan has been paid in full by me due to dissatisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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:
TRANSUNION, XXXX  AND EXPERIAN ARE VIOLATING MY RIGHTS. I HAVE BEEN VICTIMIZED WITH SOMEONE ABUSING MY CONSUMER FILE TO OPEN AND OBTAIN FRAUDULENT GOODS ITHOUT MY CONSENT. I HAVE SENT ALL 3 BUREAUS REQUESTED documentation OVER 9 TIMES AND EACH TIME THEY KEEP STALLING SAYING THAT ALL DOCUMENTS WAS NOT ENCLOSED AND THEY WERE. I SENT CERTIFY MAIL AND THEY RECIEVED IT AND CLAIM THEY DID NOT. I SPOKE WITH SPECIAL HANDLING TEAM AND WAS TOLD ACCOUNTS LISTED IN FTC REPORT WOULD BE REMOVED AND BLOCK FROM DISPUTING WITHIN 4 DAYS, STILL TO THIS DAY THEY ARE STILL REPORTING ACCOUNTS CAUSED BY FRAUD

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 2025-09-28 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: VA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00}

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 2025-09-28 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: VA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00}

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 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I enrolled in Capital Ones hardship program for my credit card account ending in XXXX around XX/XX/year>. During enrollment, I was informed by a Capital One representative over the phone that I would not continue to receive late payment notations while in the program. 

Despite this assurance, Capital One continued reporting my account as late to the credit bureaus. This information is misleading, inaccurate, and harmful to my credit. 

I contacted Capital One to resolve this matter and requested that they review the recordings of my enrollment call. However, the company has not corrected the reporting or provided me with the recordings/transcripts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: 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. ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This has violated my rights. According to : 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 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 2025-09-28 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
As a result of this company 's negligence in protecting the customers personal information there was a data breach in which my information was exposed stolen or sold and has caused financial hardship and identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate/Unlawful Reporting under 15 U.S.C. 1681c-3 Dear Credit Reporting Agency , I am writing to formally dispute and demand the immediate blocking of certain information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-3, which provides that consumer reporting agencies must block the reporting of information that resulted from identity theft when notified by the consumer.

Upon reviewing my three-bureau credit report dated XX/XX/XXXX ( Reference # XXXX ), I identified the following account ( s ) that must be investigated and blocked : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( varies per bureau ) Status : Derogatory / Charged-Off / Collection Balance Reported : {$1200.00} Last Reported : XX/XX/XXXX This account is the result of identity theft and is being inaccurately reported under my credit file. I did not open or authorize this account, nor am I legally responsible for it.

Pursuant to 15 U.S.C. 1681c-3 ( a ), you are required to block this information from my credit file within four ( 4 ) business days of receiving this notice, along with my identity theft report.

I request that you provide me with written confirmation once this information has been blocked and permanently removed from my credit file. Please also send me an updated copy of my corrected credit report.

Failure to comply with this request will constitute a violation of the FCRA, and I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office, as well as pursue legal remedies.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : 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