vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: AL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Al, ZIP XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX ] [ EXPERIAN XXXX [ XXXX XXXX XXXX XXXX XXXX Tx XXXX ] [ Acct. XXXX XXXX XXXX Acct. # XXXX Subject : Dispute of Inaccurate Credit Reporting and Improper Investigation Dear [ CFPB ], I am writing to formally dispute inaccurate information that appears on my credit report. Additionally, I am concerned that your investigation into my previous dispute was not conducted properly. 

The following information on my credit report is incorrect : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Error Description : [ inaccuracye.g.balance, account that doesnt belong to me, obtaining my personal info without consumers consent, no known knowledge of the Reporting agency, Fraud. ] I previously submitted a dispute yet I have reason to believe that the investigation was not properly conducted. [ Reasons lack of evidence provided, failure to communicate results, or no change made despite supporting documents or any signed documents with my signature, i also have not given any formal consent nor have i ever heard of said agency it is considered fraud for unknown agency to have my personalinformation without my knowledge. ]. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus must conduct a reasonable investigation into disputes and provide verified, accurate information. If the disputed item can not be verified, it must be removed. I request that you re-investigate this matter thoroughly and provide me with documentation verifying the accuracy of the reported information or remove the incorrect entry immediately. 

Sincerely, [ XXXX XXXX ] This letter ensures that you document your dispute and hold the credit bureau accountable. Let me know if you need any modifications! 








No file chosenNo file chosen XXXX can make mistakes. Check important info. 
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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 2025-04-01 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am filing this complaint to bring to your attention serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by Navy Federal Credit Union and XXXX. These violations have adversely affected my credit report and my financial standing through incorrect information handling and improper debt collection practices. 

Detailed Violations : FCRA Violations : Late Payment Reporting After Charge-Off ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ) : Accounts were reported as late even after being charged off, contrary to FCRA guidelines.

Report of Excessive Charge-Off Balance ( 15
U.S.C. 1681e ( b ) ) : The charge-off balance reported exceeds the original credit limit, violating the FCRA 's accuracy requirements.

Duplicate Reporting of Accounts ( 15 U.S.C. 1681a ) : The same account is reported multiple times under different entries, inflating my debt inaccurately.

Failure to Conduct Adequate Reinvestigations ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : My disputes were not properly reinvestigated, which resulted in no change to the erroneous entries.

Omission of Dispute Status ( 15 U.S.C. 1681c ( f ) ) : Disputed accounts were not marked as disputed on my credit report.

FDCPA Violations : Incomplete Debt Validation ( 15 U.S.C. 1692g ) : Navy Federal failed to provide full documentation validating the debt as requested.

Misrepresentation of Debt ( 15 U.S.C. 1692e ) : Navy Federal misrepresented the amount of the debt by reporting an inflated balance.

Continuation of Collection Activities Without Validation ( 15 U.S.C. 1692g ( b ) ) : Collection efforts proceeded without adequately validating the debt as required by the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 2025-04-01 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: MI

Complaint narrative:
Someone accessed my credit info because of a data breach and opened accounts in my name. Now Im having a hard time getting those accounts removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: MI

Complaint narrative:
Someone accessed my credit info because of a data breach and opened accounts in my name. Now Im having a hard time getting those accounts removed.

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 2025-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX Fifth Third Bank was paid off when I refinanced my mortgage with them. Wire transfer information attached. They failed to file a lien release to be recorded. I applied for a HELOC loan and was notified in XXXX of XXXX that the loan was on hold due to a lien release never being filed by Fifth Third Bank for the previous loan. On XX/XX/XXXX the title company that handled my refinance reached out to Fifth Third Bank and requested a lien release be sent out. Email regarding that conversation is attached. Fifth Third bank failed to send the release out. It is XX/XX/XXXX and despite several more requests by the title company and multiple phone calls from myself, they have yet to send out a lien release to be recorded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payment for the account : XXXX XXXX XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-04-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B 15 U.S.C. 1681c-2 that you the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the account in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquirie are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud. 

I request, pursuant to FCRA 605B 15 U.S.C. 1681c-2 that the Transunion credit reporting agency block all of the accounts, collections, identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving this complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX. 


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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 2025-04-01 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-01 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NV

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I am writing to formally dispute a fraudulent collection account being reported by Credence Resource Management. 


Fraudulent Account Information : Collection Agency : Credence Resource Management Date Opened : XX/XX/year> Balance : {$1900.00} Despite my efforts to resolve this matter directly with your company, the issue remains unresolved. 

Under the Fair Credit Reporting Act ( FCRA ) 605B, you are required to block and delete any information resulting from identity theft once appropriate documentation is provided. 

I have been a victim of identity theft, and this fraudulent collection account is a direct result of that crime. I have no knowledge of this debt and no contractual agreement with Credence Resource Management. Despite receiving official documents confirming this, your company has refused to honor my claim, failed to conduct a proper investigation, and continues to report this fraudulent account on my credit report, negatively impacting my credit profile. 

Furthermore, I have verified with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that Credence Resource Management does not hold a valid debt collection license in the State of Illinois. This raises additional legal concerns regarding your ability to collect debt in this state. 


Documentation Enclosed : XXXX. FTC Identity Theft Report Complaint # XXXX XXXX. Government-issued ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-01 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Synopsis of events : XXXX. On XX/XX/year> at or around XXXX XXXX XXXXXXXX my phone alerted me to an incoming call from " Portfolio Recovery Associates '' or " PRA '' which I dismissed. The telephone number PRA used in this instance was XXXX. I did not accept the call because I ( a ) was at work ( b ) am familiar with PRA and its oftentimes unlawful tactics as a predatory third party debt collection company ( c ) am well versed with PRA having worked for a civil litigation law firm who goes after PRA for its unlawful tactics and am not aware of any looming personal debt. 
XXXX. I engaged in factual research and ran my XXXX credit report and credit reports from the XXXX leading agencies ( no debt ). 
XXXX. I did not rule out the possibility that this call could have been a mistake/no message left. 
XXXX. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( less than XXXX hrs later ) I received my second call from PRA as indicated on my cell phone call ID, this time from a local ( XXXX ) number. I did not answer in anticipation of a voicemail. A voicemail was not left. 
XXXX. Knowing calls would be persistent now due to my research and business dealings with PRA, I returned the call to PRA at or around XXXX XXXX XXXX 
XXXX. The rep I spoke with ( possibly XXXX? ) was informative and kind, yet remained predatory in attempting to collect what she seemingly described as an over XXXX year old debt. It is vital to point out I did not validate the debt, nor do I now. 
XXXX. Informing PRA that this purported debt exceeds the XXXX, I asked the rep to place me on a DO NOT CALL list. She obliged and said I would not receive further telephone communications. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received yet ANOTHER missed call from PRA - number used today is XXXX. 
XXXX. I DEMAND THESE CALLS STOP. XXXX has no business calling me. I HAVE NO DEBT. I VALIDATE NO DEBT. LEAVE ME ALONE. 
XXXX. Because PRA is violating the FDCPA and TCPA I am entitld to damages of {$1000.00}.

Company response to consumer: Closed with explanation