vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: FL

Complaint narrative:
I previously disputed negative information about my account with XXXX directly with them regarding a recent XXXX XXXX application denied based on internal records no credit bureau information.

Back in 2020, I disputed this account with Portfolio Recovery Associates LLC. My dispute was successful, and the negative item was removed from my credit report on XX/XX/year>. Despite providing dispute documentation to Portfolio Recovery and XXXX, their internal records have not been updated and continue to reflect outdated negative information. This ongoing error is resulting in adverse credit decisions, denial of new account applications, and reputational harm. I have made reasonable efforts to resolve the issue directly with XXXX XXXX  XXXX  by submitting copies of my updated credit report and the dispute results. However, my requests for internal record correction have not been addressed, and no written confirmation or resolution has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: VA

Complaint narrative:
In XXXX of XXXX I received a contact offer from XXXX XXXX for Solar installation and began the contract approval process. During the approval process I explained to XXXX XXXX that I would not finance the project and would pay in full via cash. XXXX XXXX explained that a credit approval was required. I completed the approval process with Mosaic Solar Servicing company. I received credit approval. 

In XXXX of XXXX I terminated solar project with XXXX XXXX prior to initiation of the contract due to inadequate system size. I received telephonic and electronic confirmation via XXXX  customer support and the support portal that my project was cancelled. No install was started initiated or completed. 

In XX/XX/XXXX I received a loan invoice from Mosaic notifying me of a loan payment to start XX/XX/XXXX. I notified them that this loan was not authorized and requested cancellation of this unauthorized loan. I asked them for documentation of this loan. They instructed me to contact XXXX XXXX. 

In XXXX of XXXX I contacted XXXX XXXX. They confirmed cancellation of the project in XX/XX/XXXX and stated they have no contract in place or record of financial agreement. I was instructed to contact the cancellation department between Monday Friday XXXX XXXX  and XXXX PCT, On XX/XX/XXXX at XXXX PCT XXXX  XXXX  customer service notified me that their cancellation office was empty and suggested to call back again. 

I am unable to receive any loan documents from XXXX  XXXX  or XXXX, but was notified via email from XXXX Customer Support of a Loan Closing Certificate and payment due {$200.00} is due on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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 am writing to formally request the blocking of information on my credit report that I believe to be the result of identity theft, pursuant to my rights under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This fraudulent information does not accurately represent my credit history, and I respectfully request its removal from 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 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had XXXX transactions that I paid for using Pay Pal. XXXX of my transactions was for {$330.00} and the other for {$350.00} and thats a total of {$680.00}. I opened up a case against these XXXX Pay Pal transactions and I noticed they was cancelled. I know my child had my phone or maybe my account was hacked into all I know is that I did not closed the case against these XXXX transactions because I paid for orders I never received a month and a half and longer. I called PayPal when I noticed some one must have closed my case I knew it wasnt me that closed these cases and I want and I need my month back I paid for items that was supposed to be here a month plus long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: NC

Complaint narrative:
Immediate 24-Hour Deletion Request All Inaccurate, Fraudulent, or Unauthorized Credit Report Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern I am writing to formally dispute all information on my credit report as inaccurate, fraudulent, or a result of identity theft, as supported by my attached FTC Identity Theft Report, proof of address, and related documentation. This includes, but is not limited to : All collections, auto loans, credit accounts, rental history, judgments, liens, and inquiries Any accounts inaccurately reported or not authorized by me Under the Fair Credit Reporting Act ( FCRA Sections 609, 611, and 623 ), I demand that you : 1. Immediately delete all disputed accounts and information from my credit report. 2. Provide written confirmation within 24 hours that all items have been removed. No police report is required under FCRA Section 609 ( c ) ( 2 ) when identity theft has occurred, as confirmed by my FTC Identity Theft Report. Failure to comply will result in legal action, including complaints to the CFPB, FTC, and civil action for willful FCRA violations. The continued reporting of these inaccurate items is causing irreparable harm, including denial of housing, loans, and essential services. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: MS

Complaint narrative:
This company was used in the for over a year. I paid $ XXXX for services. I started this services in XXXX of XXXX  with XXXX XXXX XXXX. I attempted to collect information on refund on prepaid service but no information was received from company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: GA

Complaint narrative:
XXXX XXXX CREDIT REPORTS AND NOTICED A FRADULENT ACCOUNT ON MY CREDIT REPORTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: GA

Complaint narrative:
XXXX XXXX CREDIT REPORTS AND NOTICED A FRADULENT ACCOUNT ON MY CREDIT 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
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: FL

Complaint narrative:
My credit report has several negative items that are reporting inaccurately

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 2025-09-14 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 disputing the accuracy and completeness of the Portfolio Recovery Associates ( PRA ) collection tradeline on my credit file.

Please conduct a reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 

Account in Dispute Creditor/Collector : Portfolio Recovery Associates Original Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$410.00} Status : Collection account Date Opened : XX/XX/XXXX Specific Errors & Legal Concerns Unverified Debt & Ownership No evidence has been provided proving I owe this debt or that PRA is the legal owner/assignee.

FCRA 623 ( a ) ( 1 ) ( A ) forbids reporting unverifiable information.

FDCPA 809 ( b ) requires validation of the debt upon request before reporting or collecting. 

Inconsistent Status Updates Status shows Updated XXXX XXXX but the collection entries extend from XXXX XXXX. 

Inconsistent and missing monthly reporting violates FCRA XXXX ( b ), which requires maximum possible accuracy. 

Improper Date of First Delinquency ( DOFD ) Purge date is listed as XXXX XXXX but no documented DOFD is shown from the original creditor. 

Without a verified XXXX, the XXXX reporting period can not be lawfully established. 

FCRA XXXX ( a ) ( XXXX ) requires accurate XXXX reporting. 

Repeated Consumer Disagrees Updates Your records note multiple disputes where consumer disagrees without evidence of a proper reinvestigation.

FCRA 611 ( a ) mandates a reasonable reinvestigation and disclosure of the method of verification.

Possible Lack of Permissible Purpose If PRA has not demonstrated a valid assignment or written agreement from XXXX XXXX, continued reporting may violate FCRA 604 ( a ).

Requested Action Pursuant to FCRA 611 ( a ), 607 ( b ), 623 ( a ) and FDCPA 809 ( b ), I request that you : Conduct a thorough reinvestigation of all discrepancies listed.

Provide the method of verification, including the na
me, address, and phone number of the furnisher and documentation used to verify this debt.

Delete this tradeline if Portfolio Recovery Associates can not fully substantiate the debt and its authority to report it.

Please provide a written response and an updated credit report within 30 days as required by the FCRA. 

Thank you for your prompt attention. 

Sincerely, 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 2025-09-14 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 disputing the accuracy and completeness of the Portfolio Recovery Associates ( PRA ) collection tradeline on my credit file.

Please conduct a reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 

Account in Dispute Creditor/Collector : Portfolio Recovery Associates Original Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$410.00} Status : Collection account Date Opened : XX/XX/XXXX Specific Errors & Legal Concerns Unverified Debt & Ownership No evidence has been provided proving I owe this debt or that PRA is the legal owner/assignee.

FCRA 623 ( a ) ( 1 ) ( A ) forbids reporting unverifiable information.

FDCPA 809 ( b ) requires validation of the debt upon request before reporting or collecting. 

Inconsistent Status Updates Status shows Updated XXXX XXXX but the collection entries extend from XXXX XXXX. 

Inconsistent and missing monthly reporting violates FCRA XXXX ( b ), which requires maximum possible accuracy. 

Improper Date of First Delinquency ( DOFD ) Purge date is listed as XXXX XXXX but no documented DOFD is shown from the original creditor. 

Without a verified XXXX, the XXXX reporting period can not be lawfully established. 

FCRA XXXX ( a ) ( XXXX ) requires accurate XXXX reporting. 

Repeated Consumer Disagrees Updates Your records note multiple disputes where consumer disagrees without evidence of a proper reinvestigation.

FCRA 611 ( a ) mandates a reasonable reinvestigation and disclosure of the method of verification.

Possible Lack of Permissible Purpose If PRA has not demonstrated a valid assignment or written agreement from XXXX XXXX, continued reporting may violate FCRA 604 ( a ).

Requested Action Pursuant to FCRA 611 ( a ), 607 ( b ), 623 ( a ) and FDCPA 809 ( b ), I request that you : Conduct a thorough reinvestigation of all discrepancies listed.

Provide the method of verification, including the na
me, address, and phone number of the furnisher and documentation used to verify this debt.

Delete this tradeline if Portfolio Recovery Associates can not fully substantiate the debt and its authority to report it.

Please provide a written response and an updated credit report within 30 days as required by the FCRA. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
I am submitting a complaint against Aldous & Associates , PLLC regarding a collection account originally related to a XXXX XXXX XXXX XXXX. This debt was paid in full on XX/XX/year>, but Aldous & Associates continues to report this tradeline to XXXX  in a way that is harmful, outdated, and misleading. 

I have written to the company directly and provided a detailed explanation and request for goodwill removal and/or proper updating. Despite my efforts, Aldous & Associates has not responded with any resolution, and the account remains listed as active/derogatory on my XXXX  report. 

I have also disputed this account with TransUnion and am awaiting their investigation outcome. 

I am requesting that Aldous & Associates be required to either : Provide full documentation justifying continued reporting, Or instruct XXXX  to remove this paid collection account. 

This outdated reporting is preventing me from accessing fair credit opportunities, despite the fact that I have resolved the debt responsibly. Thank you for reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Against Midland Credit Management Violation of the Fair Credit Reporting Act To Whom It May Concern : I am filing this complaint regarding Midland Credit Management ( Midland ) for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ). 

Background of the Account : The account originated with : XXXX XXXX XXXX Acct XXXX XXXX This account was discharged in my XXXX  XXXX bankruptcy, case number XXXX, Discharged : XX/XX/XXXX. I have enclosed my official bankruptcy discharge paperwork. 

Despite being legally discharged, Midland has continuously re-reported and re-aged this account with the credit bureaus, altering account information to make it appear collectible.

Nature of the Violation : Each year since my bankruptcy discharge, Midland has knowingly and falsely reported this account, despite being fully aware that it was included in bankruptcy.

This is a direct violation of FCRA provisions requiring accuracy of information and prohibiting the re-aging of discharged debt.

These actions constitute willful and repeated violations, as Midland has had notice of the bankruptcy discharge yet continued the false reporting.

Damages : Under the FCRA, consumers are entitled to statutory damages for each violation.

Based on my calculation, Midlands repeated reporting over 3 years XX/XX/XXXX entitles me to at least {$430.00} x XXXX = {$1300.00} in statutory damages. 

I am therefore seeking compensation in this amount in addition to removal of the inaccurate reporting. 

Requested Resolution : 1. Immediate deletion of the Midland account from my consumer credit reports with XXXX XXXX and XXXX 

2. Written confirmation from Midland that no further attempts will be made to report, sell, or collect this account.

3. Compensation in the amount of {$1300.00} in statutory damages under the FCRA.

4. Review and enforcement action by the CFPB to prevent Midland from continuing this pattern of misconduct against other consumers. 

Supporting Documentation Provided : Copy of my Chapter XXXX bankruptcy discharge including proof of tradeline, listing XXXX XXXX Acct XXXX XXXX Copy of current credit reports reflecting Midlands false reporting.

Copy of Bankruptcy Credit Report as required at time of bankruptcy showing XXXX XXXX Acct XXXX XXXX as a tradeline. 

I respectfully request the CFPBs investigation and enforcement regarding Midlands deliberate and repeated violations of the FCRA, since altering the account to meet FCRA guidelines.

Thank you for your time and assistance in protecting consumers rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: CO

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX _XXXXXXXX XXXX XXXX XXXX XXXX XXXX Theft Dispute  Request for Immediate Removal of Fraudulent Accounts.  Removal of duplicate inaccurate accounts.\n\nAttention Legal Department,\n\nI am writing to inform you that I have been a victim of identity theft. The following accounts listed on my credit report are not mine and were opened or reported fraudulently without my authorization or knowledge.\n\nFraudulent Accounts to Be Removed:\n\n Creditor NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accordance with the Fair Credit Reporting Act (FCRA), I am requesting the immediate removal of these fraudulent accounts from my credit report. Enclosed you will find a copy of the police report I filed regarding this identity theft, along with a copy of my FTC Identity Theft Report.\n\nIn addition, I have included the following for verification purposes:\n\n A copy of my government-issued photo ID\n Two (2) documents showing my current address\n\nAs per FCRA Section 605B (15 U.S. Code  1681c-2), you are required to block the reporting of any information that resulted from identity theft within 4 business days of receiving proof of the theft.\n\nPlease remove these accounts effective immediately.\n\nThank you for your immediate attention to this matter.\n\nSincerely,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