vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
b'"On XXXX XXXX XXXX, I sent PRA a written debt validation request via Certified Mail #XXXX XXXX XXXX XXXX XXXX XXXX. Despite FDCPA  809 requiring validation within 30 days, PRA:  \n - **Failed to provide any response** (no proof of debt, contract, or accounting).  \n - **Continued collection efforts**, including credit reporting, violating FDCPA  807(8) and FCRA  623.  \n   \n PRA is attempting to collect $XXXX allegedly owed to XXXX XXXX (account #XXXX, but cannot prove I owe this debt. Their actions have damaged my credit.  \n   \n **Demands**:  \n 1. Immediate deletion of all tradelines for account #XXXX from all credit bureaus.  \n 2. $XXXX  in statutory damages for FDCPA violations.  \n 3. Written confirmation that the debt is waived and will not be resold.  \n   \n**Enclosed**: Copies of my validation request, Certified Mail receipts, and PRA\'s non-response."*'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Paramount GR Holdings, LLC
State: OH

Complaint narrative:
My wife and I took out a loan from Goodleap regarding a new HVAC. We were offered XXXX percent interest if our account was paid in full by the end of the promotional period which ended on XX/XX/XXXX. I made a payment on XX/XX/XXXX for the remaining balance before the promotional period was over. We received a letter in the mail from Goodleap stating that our balance had been paid in full and we had no further payments required. We were then notified after the promotional period that our payment did not process and we had an outstanding balance, this occurred on XX/XX/XXXX. The representative we spoke with acknowledged that the payment didn't go through and that the send out automatic notices and they again acknowledge it was an error on their end. The reported they would send our account for review to see if the interest that had been added to the account could be waived. We did not hear from this organization until we called on XX/XX/XXXX. The representative could not provide a response for why this had not been addressed yet but reported that they would escalate the issue. We received an email on XX/XX/XXXX about how we would be responsible for the accrued interest despite the unprocessed payment and reported they attached a payoff statement. This was not attached. I called the number provided and they were unable to tell me the payoff amount. I referred to my last payment statement that we received that also could not provide me a payoff amount despite them saying that was visible for me. I submitted a payment via the online portal for the statement amount plus the amount of calculated accrued interest to XX/XX/XXXX and have asked for confirmation of payment via email this has not occurred yet. I have now attempted to pay off this loan twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute to TransUnion regarding several inaccurate or unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( XXXX  ), TransUnion was required to investigate and respond to this dispute within XXXX  days. I received no response. 

On XX/XX/year>, I sent a follow-up XXXX of XXXX ( MOV ) letter requesting documentation of how the disputed information was verified, including identification of the data furnishers. As of today, TransUnion has not responded to either request. 

This is a direct violation of XXXX U.S.C. XXXX, which mandates a reasonable investigation and a timely written response to consumer disputes. Failing to respond to both a dispute and a verification request is a willful failure to comply with federal law.

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 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding my account ( Last XXXX digit number XXXX ) with Comenity Bank There has been a serious mishandling of a transaction and multiple miscommunications that have led to improper interest charges being applied to my accounts. 
I contacted their customer service team in XXXX, XXXX, and XXXX with the intent to settle the balance under XXXX XXXX. Despite my efforts and the payments I made, their team failed to properly allocate those transactions to the correct plan. As a result of this internal error, I have unjustly incurred interest chargescharges I should not be responsible for. 

To correct this issue, I am making a payment of {$400.00} today, which covers : The full balance of XXXX  XXXX The interest charges that were incorrectly applied The upcoming XXXX payment for XXXX  XXXX According to the representatives Ive spoken with, once this payment is processed, I should not owe any remaining balance or interest related to XXXX XXXX. 

Comenity Bank did not honor the previous agreement and reflect it accurately in my account records thats why I have to pay the interest charges today and additional to cover all upcoming fee. 

I request a thorough review of my account history, written confirmation of the corrected balance, and immediate reversal of any undue charges, but no response or further action. Despite my escalate the matter to the appropriate consumer protection agencies and they claimed that was their policy without further explanation. 

We had on time payment in the past and I should not be punished for the unnecessary stress and time on consumer side. 

Hope you can assist and resolve this problem. 

Thank you very much. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
I have no knowledge of this account and dont have any contract with the collection or collection never contacted me over the phone or email before. This account XXXX XXXX XXXX on Experian credit report is incorrect and I demand this account should be removed immediately for violating reporting correct information on my credit report.

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 2025-05-24 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Eye applied for Credit card with XXXX XXXXXXXX on XX/XX/year> - Eye received no Goods as far as the security agreement that was applied for, eye did not receive any remedy or equal compensation. But by the hard inquiry on my report eye Believe credit one did so therefore where is my deposit. That would be a violation of My Fair Credit Report Act & Equal Credit Opportunity Act.

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 2025-05-25 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: U.S. BANCORP
State: GA

Complaint narrative:
My information was use in a data breach a lot of unknown account on XXXX XXXX XXXX XXXX I file a identity fraud report couple years ago and just did a ftc report under federal code15 usc16:81

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 2025-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My information was use in a data breach a lot of unknown account on XXXX XXXX XXXXXXXX XXXX I file a identity fraud report couple years ago and just did a ftc report under federal code15 usc16:81

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: CA

Complaint narrative:
I am a victim of identity theft. Inquiries XXXX XXXX inquired on XXXX XXXX, 2025 and XXXX XXXX, inquired on XX/XX/scrub>, 2025. These inquires on my credit report are not mine. This inaccuracy has directly resulted in denial of affordable housing opportunities and mortgage eligibility, which constitutes discriminatory impact under the Fair Housing Act and causes irreparable harm. Immediate action is required. I am filing a formal complaint regarding these inquiries on my credit reports. I have not applied for any loan. This misinformation has damaged my ability to access affordable housing. I have been denied mortgage preapproval and blocked from qualifying for federally supported Down Payment Assistance Programs, which require clean credit files with no recent delinquencies, unresolved charge-offs or inquiries. The harm is not speculative-it is real, ongoing, and unjust. I've spent considerable time and emotional energy trying to resolve this with no relief.

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 2025-05-24 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:
In accordance with the Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. XXXX XXXX with the account number XXXX, XXXX with the account number XXXX, XXXX XXXX with the account number XXXX, XXXX with the account number XXXX, XXXX XXXX with the account number XXXX, XXXX XXXX with the account number XXXX, XXXX XXXX XXXX Bank XXXX with the account number XXXX, XXXX XXXX XXXX with the account number XXXX, Bankruptcy with the reference number XXXX, XXXX  XXXX with the account number XXXX, Hard Inquiries from XXXX XXXX, XXXX XXXX XXXX Sales, XXXX XXXX XXXX, XXXX  Financial, XXXX XXXX Auto Finance, XXXX  XXXX NA. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( XXXX ) ( b ). And according to XXXX USC XXXX XXXX, they are supposed to do this ( XXXX ) treatment of innacurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that has been modified or deleted from the file of the consumer. Delete accounts XXXX  XXXX with the account number XXXX, XXXX with the account number XXXX, XXXX XXXX with the account number XXXX, XXXX with the account number XXXX, XXXX XXXX  with the account number XXXX, XXXX XXXX with the account number XXXX, XXXX XXXX XXXX Bank XXXX with the account number XXXX, XXXX XXXX XXXX with the account number XXXX, Bankruptcy with the reference number XXXX, XX/XX/XXXXXXXX with the account number XXXX, Hard Inquiries from XXXX XXXX, XXXX XXXX XXXX Sales, XXXX XXXX SVC, XXXX Financial, XXXX  XXXX Auto Finance, XXXX  XXXX NA.

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 2025-05-24 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This letter is a formal dispute of the collection account reported by Midland Credit Management, associated with account number ending in XXXX. Upon reviewing my credit report, I discovered this account is incomplete, unverifiable, and legally non-compliant with the Fair Credit Reporting Act ( FCRA ).

Specific Legal Violations : 15 U.S.C. 1681g ( a ) ( 2 ) : Failure to disclose the name and address of the original creditor ; 15 U.S.C. 1681e ( b ) : Failure to maintain accurate and complete reporting ; 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to ensure full reinvestigation and verification of disputed information ; 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Mandates deletion of information that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Dear CFPB, I am submitting a formal complaint against Portfolio Recovery Associates ( PRA ) for reporting an alleged {$910.00} collection account originally associated with XXXX XXXXXXXX XXXX XXXXXXXX, which I do not recognize, authorize, or owe. I have never received any agreement, billing statement, or notice of delinquency from either entity. Despite multiple attempts to verify the legitimacy of this debt, PRA has continued reporting it on my credit file.

PRA claims to have acquired this debt as a " Debt Buyer '' on or around XX/XX/year>, but has failed to provide proper validation or supporting documentation, in violation of federal law. Specifically : I have no recollection of this account, and no contractual agreement exists between myself and XXXX XXXXXXXX XXXX or Portfolio Recovery Associates. 

PRA has not produced a signed agreement, itemized billing history, legal chain of assignment, or a Forward Flow Agreement, which is vital in debt sales to determine what documents were included, and whether the seller disclaimed data accuracy. 

The reporting is legally insufficient under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ), and collection actions violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), 1692e, and 1692k.

I also submitted a formal cease and desist letter and a debt validation request. Under FDCPA 805 ( c ), PRA must cease all contact and reporting until it validates the debt. To date, they have not complied, yet they continue to update this account on my credit report monthly, further damaging my creditworthiness and violating 15 U.S.C. 1681n for willful noncompliance.

This is a clear case of continued reporting of an unverified, disputed debt, which is actionable and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-25 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-25 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: FL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: RI

Complaint narrative:
Dear CFPB, I am filing a formal complaint and dispute against Caine & Weiner, who is reporting a {$680.00} collection account that they claim originated from XXXX XXXX. I dispute this debt in its entirety and have no recollection of owing any such amount to XXXX. I never received a notice of delinquency, a final bill, or any correspondence showing that this amount was valid or due. 

Caine & Weiner has failed to provide me with any documentation or proper validation of this debt as required under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). I have disputed this account, yet they continue to update the tradeline on my credit report without fulfilling their obligation to cease collection activity and validate the debt. The account is inaccurately marked as in dispute, yet Caine & Weiner is still furnishing data updates without resolving the matter in direct violation of : 15 U.S.C. 1681s-2 ( b ) Failure of furnisher to properly investigate and correct disputed information ; 15 U.S.C. 1681e ( b ) Reporting inaccurate or incomplete information without ensuring maximum possible accuracy ; 15 U.S.C. 1681i ( a ) Credit bureaus must conduct a reasonable reinvestigation of any disputed account ; 15 U.S.C. 1692g ( b ) Debt collectors must cease collection until validation is provided.

As a third-party debt collector, Caine & Weiner must furnish the following for lawful validation : A signed agreement or documented obligation showing liability ; A full, itemized billing history ; Proof of assignment or collection authority from Progressive ; A statement of final charges explaining the origin of the amount owed.

To date, they have failed to produce any of the above. Reporting a disputed and unvalidated debt to credit bureaus is a deceptive and abusive practice under FDCPA 1692e ( 8 ) and a willful violation of the FCRA, exposing both Caine & Weiner and the reporting agencies to liability under 1681n.

Company response to consumer: Closed with explanation