vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates ( PRA ) is inaccurately and unlawfully reporting two accounts on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : Account # XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX I previously disputed these accounts with the credit bureaus. The bureaus stated that XXXX verified the debts, yet no documentation or evidence was ever provided to them or to me. Under 15 U.S.C. 1692g ( b ), proper verification requires : A signed contract or agreement with my signature, Proof of ownership or assignment of the specific debt, A full account history, and Validation that the amount claimed is accurate.

PRA has failed to provide any of these. I also contacted the original creditors to verify the alleged debts and have received no response or proof confirming their validity or PRAs authority to collect or report them.

This raises serious compliance concerns given PRAs history. After being sanctioned by the CFPB in XXXX, PRA continued violating federal law through intimidation, deception, and illegal debt collection practices, as noted by CFPB XXXX XXXX XXXX. In XXXX, the CFPB again charged PRA for violating the XXXX order and engaging in deceptive conduct under the FDCPA including collecting without a reasonable basis, filing misleading affidavits, and pursuing time-barred debts. 

Given this pattern of misconduct, I believe these accounts are unverified, inaccurate, and unlawfully reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
On XX/XX/year>, I attempted to make my scheduled {$210.00} payment to Acima. My bank ( XXXX XXXX ) confirmed I had sufficient funds, but the payment attempts failed due to a bank processing issue. 

I contacted Acima through their support chat. The Acima agent instructed me to resubmit the payment and stated the {$25.00} failed-payment fee would be removed. I followed the instruction and immediately made the payment. 

Afterward, Acima refused to remove the {$25.00} fee, stating that because the fee had already processed, they could not issue the credit. I have the chat transcript confirming they committed to removing the fee. 

I acted in good faith, followed Acimas  instructions, and the fee should not have been charged. I am requesting that Acima honor the fee waiver as promised and issue the {$25.00} credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Between XXXX of XXXX and XXXX of XXXX I have XXXX hard inquiries on my report which none of them are mine and I have no knowledge of. 
According to my recent credit report, the inquiries listed below were made without my consent or any permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15U.S.C. 1681b. 

INQUIRY DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have never applied for credit or given this company permission to access my credit file. Under the FCRA, credit reporting agencies may only furnish reports to entities with a legitimate and permissible purpose. Since I did not authorize this inquiry, I request that it be removed immediately from my credit report. 

Please investigate this matter and provide me with written confirmation of your findings.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Between XXXX of XXXX and XXXX of XXXX I have XXXX hard inquiries on my report which none of them are mine and I have no knowledge of. 
According to my recent credit report, the inquiries listed below were made without my consent or any permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15U.S.C. 1681b. 

INQUIRY DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have never applied for credit or given this company permission to access my credit file. Under the FCRA, credit reporting agencies may only furnish reports to entities with a legitimate and permissible purpose. Since I did not authorize this inquiry, I request that it be removed immediately from my credit report. 

Please investigate this matter and provide me with written confirmation of your findings.

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 2025-11-05 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have asked this company to stop all communications regarding this debt. I receive phone calls, emails, and text messages multiple times weekly and sometimes daily. I have indicated that I am not going to pay this debt and that they must stop all further communication. I have attached a copy of the Cease and Desist letter regarding this matter : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account Nos. XXXX & XXXX Account Holder : XXXX XXXX Dear Sir/Madam : I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), to hereby notify you in writing that I refuse to pay the alleged debts referenced above and I demand that you cease further communication with me regarding those debts. 
According to 15 U.S.C. 1692c ( c ) : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Therefore, once you receive this letter, you must stop all communication with me about those account numbers, except to ( XXXX ) advise me that your further efforts are being terminated, ( XXXX ) notify me that a specific remedy may be invoked, or ( XXXX ) in certain cases after judgment, notify me of the creditors intent to take legal action. All other communications must cease. 
Please be advised that I am keeping thorough records of all correspondence, phone calls, and other communication attempts. If you continue to contact me ( outside of the limited exceptions above ), you will be in violation of the FDCPA and I will pursue all available legal and administrative remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the relevant state attorney generals office. 
This letter is not an acknowledgment of the validity of the debt, nor is it a waiver of any of my rights under the FDCPA or any other applicable law. 
Thank you for your immediate attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: RI

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
I turned in a car on a lease early. It was no specific time to payback remaining balance. I made XXXX payments in XXXX and XXXX payments in XXXX. But they have reported to the credit bureaus that they haven't received any payment, which isn't true. The balance has gone down XXXX in the last XXXX months so clearly they are receiving my payments. XXXX reporting falsely has my credit go down XXXX points. I went to make a payment tonight and it wouldn't allow me too and said your loan has been paid in full. So I can't even make any more payments.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made all payments on time, and any errors in this reporting are both inaccurate and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX sold me a solar loan through door-to-door sales. I received email approval at 6.99 % interest, but the contract shows 2.99 % with hidden termsmy payment jumps from {$140.00} to {$190.00} after XXXX  months. The salesperson said Id use the federal tax credit to pay down 26 % of the loan, preventing the payment increase. 

I became 100 % XXXX in XX/XX/XXXX. My only income is XXXX and XXXX  disability  benefits ( non-taxable ), making me unable to claim any tax credit. After XXXX  years of payments totaling approximately {$11000.00}, I still owe {$35000.00} on the original {$39000.00} loan. 

XXXX went bankrupt. XXXX ( formerly LoanPal ) services this loan but refuses to address the deceptive sales practices. As a XXXX  XXXX on fixed income, this predatory loan threatens my financial stability. I request full loan forgiveness or reduction of principal to amount already paid ( {$11000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: SC

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX charged-off accounts and a medical account under active litigation are being reported inaccurately. The furnishers continue to post monthly late-payment updates on closed accounts, report a medical debt currently before the court, and list of XXXX debts under the wrong legal name. No validation letters have been sent. 

These actions violate : FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( A ) FDCPA 1692g ( a ), 1692e ( 8 ) Supreme Court decisions in TransUnion LLC XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX 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 2025-11-05 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: PRANCER CAPITAL CORP
State: NJ

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 
I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NC

Complaint narrative:
XXXX XXXX Bank XXXX XXXX XX/XX/XXXX - Present On the dates between XX/XX/XXXX and XX/XX/XXXX someone got unauthorized access to my cell phone which was stolen from me. I called chime to attempt to cancel all cards or transactions that were made immediately. It was too late, they informed me that somebody had transferred themselves around {$2300.00} among another {$1500.00} or so in various charges made to my account. I have spent around 2 months disputing charges and trying to regain access to my account after a spelling error was made by chime while trying to secure my account information. Eventually I got someone to finally change my email address back to my original email. I was told over the course of 2 months that this wasn't possible without having a physical form of identification, which was also stolen from me between the XXXX and the XXXX of XXXX. Once my email was changed I gained access to my account and was able to see the charges and the dates and times which led to me making more disputes. I was also able to upload the documentation they had been asking me for. I previously had the documents but had no way to send it to them since they must reach out via email and the email they had on file didnt exist due to the previous spelling error. Within XXXX hours of contesting their decisions to deny my disputes and uploading document supporting my claim, I received an email on XXXX XXXX XXXX from chime telling me that my account was being closed in XXXX days, on XXXX XXXX XXXX The only information they gave me after no less than XXXX hours on the phone with customer service was that there was an unauthorized transaction. I was also promptly locked back out of my account, making it impossible for me to upload anything else they might be asking for. I made a screen recording as this was happening as further proof. As I understand it, they are FDIC insured and sending my money back after giving them both the police reports and documents from both XXXX XXXX and XXXX showing that my phone along with my wallet and my other belongings were stolen, it shouldn't even cost them anything to out the money back into my account. All ive been given is vague information that gets me nowhere. In fact its made things more difficult for me, as if getting stuck out of town and being made homeless wasn't hard enough. Any other information you may need you can contact me at XXXX. 

Thanks. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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