vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX, Portfolio Recovery Associates ( PRA ) began reporting a XXXX  XXXX account with a balance of {$410.00}. My final XXXX XXXX statements from XX/XX/XXXX show a balance of only {$230.00} before charge-off. I disputed the account with PRA and requested full validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), including : A complete itemized accounting from the original creditor showing the balance at charge-off and all post-charge-off interest, fees, and other charges leading to {$410.00}.

A copy of the original signed credit agreement or other contract bearing my signature, proving I am legally obligated to this debt.

Proof of assignment/bill of sale showing the legal transfer of the alleged account from XXXX XXXX to PRA, including the specific account number, date of sale, and terms of transfer. 

Business records from XXXX XXXX evidencing the debt, in compliance with the Federal Rules of Evidence 803 ( 6 ) for admissibility. 

On XX/XX/XXXX, PRA responded only with a generic balance statement and no supporting documentation. They failed to produce any contract, no itemized transaction history, and no proof of legal assignment. This is a direct violation of FDCPA 1692g ( b ), which requires a collector to cease collection until full validation is provided, and FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information to a credit reporting agency that is known or should be known to be inaccurate.

In their response, PRA claimed that because I disputed the account with a consumer reporting agency, they were not required to provide validation. This is incorrect and misleading. Under FDCPA 809 ( b ), the obligation to validate exists regardless of whether a dispute is filed with a CRA, and under FCRA 623 ( a ) ( 8 ) ( E ), they must conduct a reasonable investigation upon direct dispute.

By continuing to report a balance that does not match the original creditors own records, PRA is furnishing inaccurate information in violation of FCRA 623 ( a ) ( 1 ), failing to maintain reasonable procedures to ensure accuracy ( FCRA 623 ( a ) ( 1 ) ( B ) ), and engaging in false or misleading representations under FDCPA 807 ( 2 ) ( A ).

I request that the CFPB require PRA to either : Provide all of the above validation items in full, including the original creditors complete account records and legal proof of ownership, OR Permanently delete all reporting of this account from all consumer credit reports. 

Attached are XXXX XXXX  original billing statements showing the {$230.00} final balance, the XXXX XXXX sale notice dated XX/XX/XXXX, and PRAs inadequate validation letter dated XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
On XX/XX/year>, the account XXXX XXXX Services ( Ref : XXXX ) was deleted from my credit report. Recently, I discovered it was reinserted without the required written notice within XXXX business days and without any certification from the furnisher verifying its accuracy, as required by FCRA 611 ( b ) ( 1 ) and 611 ( b ) ( 2 ). 
This is a direct violation of federal law. I am requesting the immediate and permanent removal of this account from all credit bureaus and a written explanation of how this improper reinsertion occurred. 

I have attached proof of the original deletion, the reinsertion, and my formal dispute letter.

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 2025-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection credit card you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. My credit report with Equifax contains a credit card account that I did not open, authorize, or use. 
This account is fraudulent and is damaging my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
PayPal caseXXXXamount {$190.00} For this order, the seller only uploaded a printed tracking number but without actually shipping the package out. I have never received the product that I paid for. So I opened a case on PayPal. However because the PayPal team unjustifiably red flagged my account and denied my buyer protection right, they ignored the fact that I didn't receive the package and ruled me against this case, preventing me from getting the refund. 

PayPay says that the reason my account was flagged is because I had opened a few cases before and hence I am a suspected abusive buyer. But the reason I opened those cases was either the seller did not ship out the package or they sent me a wrong product or a product with flaws. So I had a legitimate reason for opening those cases and I won those cases, which proved that I am a legitimate buyer. PayPal can not say " we need to reconsider your eligibility for buyer protection '' just because I had opened a few disputes before and restrict my legitimate rights. 

PayPal is supposed to protect the users ' money, but what they did here was completely goes against its promise. They ignored the fact that the seller did not provide a valid tracking number and I did not receive the package. PayPal said that since my account is currently flagged, no matter what case I open in the future, they will rule against me, regardless of whether I received the item or not. Even if I was scammed, they won't protect my rights and won't refund my money. 

Case decisions should be made based on a full case review. The seller did not provide a valid tracking number. That tracking number he provided has no shipping details and no delivery confirmation. The status of the tracking is " shipped '' ( as long as he printed a shipping number he can marked it as " shipped '', but it doesn't mean the package was actually shipped ). The status is not " delivered ''. That is a false tracking number, I have never received the package. 

I have called PayPal many times. On XX/XX/XXXX, I called PayPal again and asked to speak to their internal manager. I said they need to give me a delivery confirmation of the package if they refused to refund me. The customer service said their manager would call me back on the same day, but unfortunately, I haven't received a call back from them since then. I believe PayPal 's behavior is discriminatory against buyers and they are not fulfilling their promise to protect buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
I, XXXX XXXX, am filing this complaint against the three major credit bureaus for ongoing violations of the Fair Credit Reporting Act ( FCRA ). 

In XX/XX/XXXX, after reviewing my credit report from XXXX, I discovered multiple inaccurate items, unauthorized inquiries, and outdated personal information. I formally disputed these items and requested : A full reinvestigation under 15 U.S.C. 1681i ( a ).

The complete method of verification under 15 U.S.C. 1681i ( a ) ( 7 ).

A full file disclosure under 15 U.S.C. 1681g.

The disputed items include : Incorrect previous addresses and employer information. 

Unauthorized inquiries from XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ). 

Multiple inaccurate tradelines, including charge-offs, collections, and late payment accounts. 

I have personally submitted all disputes, along with proper identification and supporting documents, yet the bureaus have failed to make corrections or provide adequate verification. Instead, they continue to report inaccurate, incomplete, and unverified information, a clear violation of 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( duty to reinvestigate ).

This failure to correct errors also extends to personal information maintenance. Despite my explicit request, the bureaus have not removed outdated and unverifiable identifiers such as old addresses and employer listings, which violates their duty to maintain accurate consumer data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear CFPB, XXXX law pertaining to fraud accounts must be deleted all reported in FTC Identity Theft report. 
XXXX USC XXXX - CRA 's may only furnish date about me on my consumer report ONLY if they have written consent to add anything on my report. I never given any written consent to any of XXXX CRA 's ( Equifax, Experian and TransUnion ) to report anything. They must provide my written consent. 
I filed FTC Identity Theft report approx a year ago. I mailed them to all XXXX credit bureaus : Equifax, Experian and TransUnion. 

I filed a disputes with all XXXX credit bureaus, on their websites and attached that Identity Theft FTC report that is attached to this complaint. Nothing was deleted. 

I mailed certified this FTC report again last week, I have XXXX confirmation that they were all delivered XX/XX/year>. 

In my certified mail to each bureau together with FTC report, I included my SS and Driving License and my Lease Agreement as a proof of my address and my identity. 

XXXX USC XXXX ( XXXX ) - reporting my balances and payment history is violation and illegal

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear CFPB, XXXX law pertaining to fraud accounts must be deleted all reported in FTC Identity Theft report. 
XXXX USC XXXX - CRA 's may only furnish date about me on my consumer report ONLY if they have written consent to add anything on my report. I never given any written consent to any of XXXX CRA 's ( Equifax, Experian and TransUnion ) to report anything. They must provide my written consent. 
I filed FTC Identity Theft report approx a year ago. I mailed them to all XXXX credit bureaus : Equifax, Experian and TransUnion. 

I filed a disputes with all XXXX credit bureaus, on their websites and attached that Identity Theft FTC report that is attached to this complaint. Nothing was deleted. 

I mailed certified this FTC report again last week, I have XXXX confirmation that they were all delivered XX/XX/year>. 

In my certified mail to each bureau together with FTC report, I included my SS and Driving License and my Lease Agreement as a proof of my address and my identity. 

XXXX USC XXXX ( XXXX ) - reporting my balances and payment history is violation and illegal

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 2025-08-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. This company is reporting inaccurate information on my credit report .This company has been paid for by my insurance for this car. This car was stolen by theft and insurance covered the vehicle. This vehicle should not be reporting on my credit and it has been paid for. This company is violating my rights putting this on my credit. XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. > 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the account and follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-08-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. This company is reporting inaccurate information on my credit report .This company has been paid for by my insurance for this car. This car was stolen by theft and insurance covered the vehicle. This vehicle should not be reporting on my credit and it has been paid for. This company is violating my rights putting this on my credit. XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. > 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the account and follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have spoke to the original creditor and was told this account would be removed and there was no balance due. Then the account was sold and had been sold to several other creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: LA

Complaint narrative:
I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/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 2025-08-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. This company is reporting inaccurate information on my credit report. This company is violating my rights putting this on my credit. > 15 U.S.C 1681 section 602 A. States I have the right to privacy. > 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the account and follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. This company is reporting inaccurate information on my credit report. This company is violating my rights putting this on my credit. > 15 U.S.C 1681 section 602 A. States I have the right to privacy. > 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the account and follow up. Please send me an updated copy of my credit report after your reinvestigation.

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