vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
I am filing a follow-up complaint regarding Portfolio Recovery Associates XXXX XXXX ). In a previous complaint, XXXX claimed they did not engage in any misconduct or harassment. However, I have since located call logs and screenshots that clearly show repeated and excessive contact from XXXX, including back-to-back calls and multiple calls in a single day from different numbers. I was forced to block them due to the overwhelming volume and frequency of calls. 

XXXX  statement in their CFPB response is demonstrably false, and I now have evidence to support my original complaint. I am requesting that the CFPB review this new evidence, and that XXXX cease all collection activity, remove this account from my credit report, and issue a formal written apology for the repeated harassment and false claims made in their official response. 

I will upload the screenshots and any call recordings I have as supporting evidence. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
Company XXXX XXXX XXXX Account number : XXXX To Whom It May Concern, I am writing to formally request the placement of a fraud alert on my credit file under the Fair Credit Reporting Act, 15 U.S.C. 1681c1. I have reason to believe that I amor may becomethe victim of fraud or identity theft.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax, Transunion, and Experian has reported inaccurate, unauthorized, and unverifiable accounts on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates a reasonable reinvestigation of disputed information,, which requires that all information furnished be reported with maximum possible accuracy. 

The listed accounts are false, incomplete, or outdated, and I have never opened nor authorized these accounts. These errors have caused harm to my credit profile and financial standing. Equifax has failed to provide the method of verification, as required under FCRA, despite my prior dispute dated XX/XX/year>. 

If this matter is not addressed and fully corrected, I reserve the right to pursue legal action for damages under both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) for deceptive and misleading reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Equifax, Transunion, and Experian has reported inaccurate, unauthorized, and unverifiable accounts on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates a reasonable reinvestigation of disputed information,, which requires that all information furnished be reported with maximum possible accuracy. 

The listed accounts are false, incomplete, or outdated, and I have never opened nor authorized these accounts. These errors have caused harm to my credit profile and financial standing. Equifax has failed to provide the method of verification, as required under FCRA, despite my prior dispute dated XX/XX/year>. 

If this matter is not addressed and fully corrected, I reserve the right to pursue legal action for damages under both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) for deceptive and misleading reporting practices.

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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint due to the continued inaccurate reporting of an account by XXXX XXXX XXXX ( Account # XXXX ) on my Transunion credit report. This account allegedly originated from XXXX XXXX XXXX XXXX and is listed as a collection/charge-off in the amount of {$900.00}. 

I have previously disputed this account with the credit reporting agency and to date, XXXX Funding has failed to provide any documentation verifying the validity of the debt, including : A contract with my wet-ink signature A full payment history ledger A copy of the original application Proof of assignment from the original creditor A cancellation of debt or XXXX, if the debt has been charged off or sold This tradeline is currently being reported in violation of XXXX XXXX compliance standards set by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specific XXXX XXXX violations include : Reporting a charge-off and collection simultaneously, which is structurally incompatible under XXXX XXXX formatting Reporting a $ 0 monthly payment while showing an active collection balance, which is misleading and triggers inaccurate utilization calculations Failure to properly mark the account as disputed using the XXXX  code XB as required under FCRA XXXX XXXX a ) ( XXXX ) ( A ) Failure to update or validate the " Date of Last Activity '' ( XXXX ) which currently reads XX/XX/year>, without any payment history or legal substantiation Under FCRA XXXX, I have the right to request full documentation to verify this debt. Under FCRA XXXX, if the furnisher can not verify the account with proper documentation, it must be removed from my credit report. Additionally, under FCRA XXXX ( a ) ( XXXX ) ( A ), a data furnisher must report accurate and complete information and correct or delete anything found to be inaccurate or unverifiable. 

This continued inaccurate reporting also violates the Fair Debt Collection Practices Act ( FDCPA ) XXXX, which requires validation of debt upon request. 

I reserve all rights under XXXX XXXX, without prejudice, and do not waive any right to pursue legal action for damages, defamation, or violations under state and federal consumer protection laws.

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 2025-07-21 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
I am a victim of identity theft. I recently took. a look at my credit reports and it shows I have more that XXXX account with the same companies

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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am disputing an account from Midland Credit Management ( Account # XXXX ) on behalf of XXXX XXXXXXXX XXXX. I sent a cease and desist letter demanding validation and all communication to stop. 

Midland continues to report this account without validating the debt, violating : FDCPA 1692g ( b ) failure to validate FDCPA 1692c ( c ) ignored cease and desist FCRA 1681e ( b ) furnishing inaccurate/unverified info I request full deletion of this account and cessation of all contact. PDF evidence is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reviewed my credit report and found an account listed that I have never opened, authorized, or had any association with. I firmly assert that this is a fraudulent account and does not belong to me.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: MD

Complaint narrative:
The following companies have " potentially '' taken advantage of reporting inaccurate information on my credit report if they were paid via a 1009 ( C ) or via insurance. If they were paid through insurance/or gotten paid for the debt, but yet trying to collect from me, then I demand that these accounts be removed from my credit report immediately due violations of CFPB, and Title 18.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
In XXXX, I applied for an AMEX XXXX XXXX card because it had a welcome offer of XXXX XXXX XXXX XXXX if I spend {$20000.00} within 3 months. I met the required spending in the first month but never received the points. I called AMEX twice. The first time I was told that I was ineligible for the welcome offer and listed a number of reasons such as credit ratings, delinquent payments, etc., none of which applies to me. I was also told that there's a pop up window during the application process, advising me that I was ineligible. There was no pop up window or any of such notice during the application, in the package containing the card and terms and conditions, or at any time after the card was approved. Someone told me that perhaps I should wait because it was too soon for AMEX to transfer the point. So I waited until this month ( XXXX ) when I called a second time. I spoke to an agent first and then a supervisor who told me that I was ineligible but he didn't mention anything about the ineligibility warning before I accepted the offer. He basically said that AMEX is under no obligation to grant me the welcome offer. I told him that it's unfair to not warn me that I was ineligible so that I could make an informed decision whether I should proceed with the application. He basically said that AMEX is under no obligation to tell me that either. As a conscientious consumer, I would like to know what I am signing up for and not be surprised. This is totally unfair now that I have met the required spending which I could have spent it on another card without AMEX 's high ( one of the highest ) annual fee and did not receive what I thought I was signing up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: AL

Complaint narrative:
laws were broken because of a breach. My account was affected by XXXXCongressional findings and statement of purpose My consumer rights were violated according ( a ) Accuracy and fairness of credit 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 2025-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Ava Finance, Inc
State: VA

Complaint narrative:
I am writing to formally dispute the closure and reporting of my Ava Finance credit account. The account was closed by the creditor despite my responsible usage and timely payment history, and I am requesting that this closure be reviewed and corrected. 

Account in Dispute : Creditor : Ava Finance Account Number : [ insert last XXXX digits or full number if available ] Date Closed : [ insert date if known ] Key Issues : XXXX. I paid all required fees and made all payments on time, including during the period leading up to the closure. 
XXXX. The Ava Finance app failed to connect properly with my bank account, which was the only method provided to submit payments. 
XXXX. I reached out to their customer service multiple times to report the issue, but received little to no assistance, and ultimately, no resolution. 
XXXX. Despite my efforts to resolve the issue, Ava Finance unilaterally closed my account and ceased communication. 
XXXX. This action has had a negative impact on my credit report and does not reflect my responsible credit behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
Complaint Against Affirm Failure to Remove Fraudulent Accounts Despite Identity Theft Documentation I am filing this complaint against Affirm for continuing to report XXXX fraudulent accounts that were opened in my name without my knowledge or authorization. I am a verified victim of identity theft and have already taken all proper legal and procedural steps to resolve the issue, including submitting complete documentation to XXXX. 

I have never opened or applied for any accounts with XXXX. 
However, the following accounts are being reported on my credit file : XXXX Account # EKMN XXXX Account # XXXX Upon discovering the fraud, I acted immediately and took the following steps : Filed a police report with the XXXX XXXX XXXX XXXX XXXX ( Report # XXXX ) Submitted an FTC Identity Theft Report ( Report # XXXX ) Provided Affirm and the credit bureaus with copies of my passport, Social Security card, and proof of address Disputed the fraudulent accounts with XXXX, Experian, and XXXX Filed a direct dispute with XXXX and included all documentation Despite these actions, XXXX continues to report these fraudulent accounts, which is damaging my credit and causing me emotional and financial harm. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), both of which protect consumers from this exact situation. 

I have legal counsel and am formally requesting the CFPB intervene.

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 2025-07-21 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: FL

Complaint narrative:
After disputing an account reported by XXXX XXXX XXXX, TransUnion verified it as accurate. I then submitted a Method of Verification ( MOV ) request as permitted under FCRA 611 ( a ) ( 7 ), requesting documentation or details on how the account was verified. 

Instead of providing a method of verification or source documents, TransUnion sent a generic letter with no proof of verification or contact with the original creditor. This fails to comply with the FCRA and shows a lack of proper investigation into the dispute.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/year> Re : Cease and Desist Unauthorized Access to Consumer Report / Violation of 15 U.S.C. 1681b To Whom It May Concern : This letter serves as formal notice that you must immediately cease and desist from obtaining, using, sharing, or in any way furnishing my personal credit information without my explicit written consent, as required by 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ).

I have reviewed my credit report and found that your company, [ Company Name ], accessed or furnished my credit information without my authorization or permissible purpose. I have never provided written consent, nor do I have a current relationship with your organization that would lawfully justify such access.

You are hereby ordered to : 1. Cease and desist from any further access or use of my consumer report or personal information. 


2. Provide documentation proving that I gave written authorization for such activity ( if any ).

3. Cease all communication regarding any account, debt, or transaction that is not legally verifiable or authorized.

4. Delete and remove any associated inquiry or record from all consumer reporting agencies to which you furnished it. 



Failure to comply with this cease and desist request may result in legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or initiating a private lawsuit for damages under the FCRA. 

You are expected to respond to this letter in writing within 15 business days from the date of receipt. 

Sincerely, XXXX XXXX XXXX Last XXXX digits of XXXX : XXXX Date of Birth : 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 2025-07-21 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: DC

Complaint narrative:
I received a credit report from them and there are some companies that I'm unfamiliar with. It looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first!

The U.S. Code 15 USC 1681 ES Seg Section 604 states that all users must have a permitted purpose under the Fair Reporting Act to obtain consumer reports.

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