vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a formal Debt Validation Letter to Portfolio Recovery Associates , LLC ( PRA ) via Certified Mail, Return Receipt Requested. My letter concerned an alleged debt from XXXXXXXX XXXX XXXX XXXXXXXX ( Account Number : XXXX ) and included a clear, specific request for full validation of this debt, as outlined in my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

On or around XX/XX/XXXX, I received a response from PRA. Their reply contained a XXXXXXXX XXXX  statement for the period ending XX/XX/XXXX, as well as a letter dated XX/XX/XXXX, confirming the account was sold to PRA on XX/XX/XXXX. 

This response did not meet the legal requirements for debt validation under the FDCPA. While some documents were provided, PRA failed to supply essential information I specifically requested, including : A copy of the original contract or agreement : PRA did not produce the original XXXX XXXX agreement or the terms and conditions I would have signed or otherwise agreed to with XXXXXXXX XXXX 
A complete, itemized breakdown of the account from inception : Instead of a full accounting of all charges, fees, interest, and payments from the account 's opening through its sale to PRA, I received only one statement ( ending XX/XX/XXXX ). Furthermore, the balance on this statement ( {$3700.00} ) does not match the currently alleged balance ( {$4600.00} ). 
Verifiable proof of the chain of title for this specific account : While PRA included a letter from XXXXXXXX XXXX confirming the sale, they did not provide legal documentation ( such as a bill of sale or assignment with my specific account information ) that demonstrates the complete chain of title and their legal right to collect on this debt. 
Additionally, PRA is reporting inaccurate and misleading information on my Equifax credit report, in violation of FDCPA 15 U.S.C. 1692e ( 8 ) and FCRA requirements. Specifically : My Equifax report lists the Date Opened as XX/XX/XXXX, which is simply the date PRA acquired the account, as confirmed by their own enclosed documentation. 
The same report lists the Date of First Delinquency as XX/XX/XXXX, which predates PRAs acquisition of the account. The account cant be delinquent before its opening by the collector. This inconsistency, confirmed by PRAs records, constitutes materially inaccurate reporting. 
Despite my dispute, PRA continues to maintain these contradictory and misleading dates. 

By failing to provide complete validation as required by 15 U.S.C. 1692g ( b ) and by continuing to report inaccurate information, Portfolio Recovery Associates , LLC violates my rights under the Fair Debt Collection Practices Act. Until they provide full validation and correct the reporting, they are obligated to cease collection activities and halt reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
they close my account because of recent activities are risky. But my recent activities are purchased coffee from XXXX, bought cloth from XXXX. I dont understand why they close my account and I have hundreds of cash rewards left in my account. And not able to use. When I called credit card department, they asked my to call debit card department. Like there are no one I can speak to.

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 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
was a victim of a XXXX data breach that resulted in the exposure of my personal and financial information. This may have affected the accuracy of certain items on my credit report. I have taken steps to secure my identity, My Identity have been use to open number of accounts after data breach expose.

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 2025-07-08 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 explanation
Consumer complaint received 2025-07-09 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
In noticed a new credit collection added to my credit report from a company named Portfolio Recovery Collection Agency. The amount is for {$520.00} and issued by XXXX XXXX for a credit card supposedly opened on XX/XX/year>. When I realized I never took out a XXXX XXXXXXXX credit card loan at that time I disputed the charge on my report as " having no knowledge of this account '' and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
Problem is adapter called Goodleap LLC.which came by to my house to ask if I had improvements in mine I wanted the house painted the gentleman explained they could loan me up to {$24000.00} but they didn't State the interest rate which is very high the job for painting the house should only cost XXXX and here I already made a few payments on it and all the sudden the XXXX turns into a balance of XXXX this is a predatory company. Originally signed papers here at the house and when the contract came it looked completely different.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: OH

Complaint narrative:
I am writing to dispute several hard inquiries appearing on my credit report ( XXXX ) for which I do not have a corresponding open account, or for which I believe the inquiry was not properly authorized for an account that was ultimately opened. These inquiries are negatively impacting my credit score. 

I request that the credit bureaus investigate these inquiries and remove them if no account was opened or if the inquiry was not fully authorized for an account that I currently hold. 

Here is a list of the specific hard inquiries I am disputing XXXX XXXX XXXX XXXX TransUnion, XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX Experian, XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ( TransUnion, XX/XX/XXXX ) XXXX  ( Experian, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian, XX/XX/XXXX XXXX XXXX XXXX XXXX ( Experian, XX/XX/XXXX ) XXXX XXXX ( Equifax, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ) - While I applied for auto financing, no direct account was opened with XXXX XXXX. 

XXXX XXXX  ( Equifax, XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Experian, XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX ( Experian, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX  ( Equifax, XX/XX/XXXX & XX/XX/XXXX ) XXXX XXXX Experian, XX/XX/XXXX & XX/XX/XXXX ) XXXX XXXX XXXX  ( Equifax, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( Equifax, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XX/XX/XXXXXXXX XXXX XXXX XXXX ( TransUnion, XX/XX/XXXX XXXX XXXX XXXX XXXX ( Experian, XX/XX/XXXX XXXX XXXX ( TransUnion, XX/XX/XXXX XXXX I request a thorough investigation into each of these inquiries to ensure they are accurately reported and linked to an open account I possess or removed if no such account exists or if the inquiry was unauthorized. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Columbia Debt Recovery placed a {$4200.00} collection account on my credit report. I was a tenant at the property managed by XXXX. I moved out at the end of XX/XX/year> after verbally notifying the on-site property manager, and I returned the keys in person. I left the unit clean and never received any final bill, statement, or written move-out balance. 
I did not sign any new lease beyond the original agreement, and I was never given any document showing that I owed money. 
Despite providing no documentation or breakdown of the charges, they reported this debt to the credit bureaus and continue to increase the balance. I believe this is a false, unverified, and unjustified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: CA

Complaint narrative:
After reviewing my credit profile I noticed several fraudulent items on my credit report per15 u.s code 1681b permissible purpose of consumer report I have listed all item on my ftc 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 2025-07-09 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:
This letter serves as a formal dispute and request for deletion of an inaccurate hard inquiry reflected on my credit report. I never provided consent for this inquiry, nor did I have any business dealings with the company responsible.

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 2025-07-08 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-09 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: MS

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-08 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: AZ

Complaint narrative:
I am submitting this complaint to dispute inaccurate late payment reporting on my TransUnion and XXXX credit reports for two accounts that are listed as paid and closed but are still displaying derogatory late payment notations. These accounts are with XXXX XXXX XXXX XXXX ( account number ending in XXXX ) with a reported late payment dated XX/XX/XXXX, and XXXX XXXX XXXX ( account number ending in XXXX ) with a reported late payment dated XX/XX/XXXX. Both accounts are now showing a past due balance of {$0.00}, and yet the late payments remain as damaging negative marks on my reports. 

I have worked tirelessly to maintain accurate and responsible credit behavior. I resolved these accounts, closed them properly, and made sure there were no outstanding balances. There is no justifiable reason for these accounts to continue reflecting derogatory payment historiesespecially when there is no delinquency or money owed. These lingering late payment remarks are misleading, outdated, and ultimately punitive. 

Every time I try to move forwardwhether it's applying for new credit, securing better loan terms, or even qualifying for housingthese entries come back to haunt me. It's demoralizing and deeply frustrating to know that despite doing everything by the book, my credit profile still tells a story that isnt true. These mistakes weigh heavily on me emotionally, financially, and professionally.

These types of reporting failures erode confidence in the credit reporting system. I am not alleging fraud or identity theft, but I do believe these errors could stem from data inaccuracies or even residual impact from broader data breaches or poor information sharing between creditors and bureaus. It is unacceptable that such derogatory information remains active and harmful when the accounts are clearly marked as paid with no past due amounts.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit bureaus have a legal responsibility to maintain maximum possible accuracy in all consumer reporting. Furthermore, once I dispute these inaccuracies, both TransUnion and Experian are obligated under 15 U.S.C. 1681i to conduct a timely and reasonable reinvestigation. If they can not verify the accuracy of the reported information through reliable and current documentation, they are required to delete or correct it.

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 2025-07-08 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 recently reviewed my credit report and identified a hard inquiry I did not initiate. This is alarming, as I take the security of my personal and financial information seriously. I have not granted permission to the entity that made the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: AZ

Complaint narrative:
I am filing this complaint to dispute multiple inquiries that are currently showing on my XXXX and Equifax credit reports that I did not authorize, initiate, or knowingly consent to. These inquiries are extremely concerning and have appeared without any clear connection to a credit application or service that I pursued on or around the dates reported. 

On my XXXX  credit report, the following inquiries are listed with the date XX/XX/year> : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not apply for any credit or financing from any of these institutions on or near that date, and I was not in contact with any dealership, credit union, or financial entity that would have legally or appropriately initiated such inquiries into my credit profile. 

Additionally, my Equifax credit report reflects a hard inquiry from XXXX XXXX XXXX XXXX dated XX/XX/year>, for which I also did not apply. There is absolutely no application or consent on record that would justify this type of access into my credit file. I am extremely frustrated and confused as to how and why this inquiry appeared, and why Equifax has not taken steps to verify its legitimacy before publishing it. 

I take my credit health very seriously. I have worked hard to build and maintain a strong profile, and I monitor my credit reports regularly for accuracy. Seeing multiple inquiries that I did not authorize, especially from institutions I have not interacted with, is distressing and unacceptable. These entries misrepresent my credit-seeking behavior, impact my credit score, and create uncertainty about who has access to my personal financial data. 

While I am not claiming identity theft or fraud, I am seriously concerned that these errors may be the result of a data mismatch, third-party reporting error, or possibly even the result of a larger data breach. Regardless of the root cause, the fact remains that I did not give express consent for these inquiries, and no one has provided documentation to justify their presence on my reports. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, consumer reporting agencies are not permitted to release a consumers credit report unless there is a clear and permissible purpose initiated by the consumer. Furthermore, 15 U.S.C. 1681i requires credit bureaus to conduct a reasonable reinvestigation when a consumer disputes any inaccurate or unverified information. If these inquiries can not be substantiated with appropriate documentationsuch as a signed application or digital consentthey must be removed immediately.

Company response to consumer: Closed with explanation