vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX CFPB Complaint Against Subject : Ongoing Reporting and Collection of Unverified Debt Request for Immediate Removal and Regulatory Action Company : FIRSTPOINT COLL RESO What Happened : I am filing this formal complaint against FIRSTPOINT COLL RESO for multiple violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) in connection with a collection account they are reporting on my credit file. 

Here are the specific violations and consumer harms I am alleging : 1. Failure to Validate Debt ( FDCPA 809, 15 U.S.C. 1692g ) I exercised my right under the FDCPA to request full and complete validation of the alleged debt being reported and collected by FIRSTPOINT COLL RESO Despite my written request, Radius failed to provide : A signed agreement bearing my signature ; A detailed accounting of the alleged amount owed; Proof they are legally authorized to collect this debt ; A copy of the original creditors documentation proving the debt is valid and accurate. 

Until such validation is provided, no collection activity or credit reporting is permitted by law. 

2. Reporting Inaccurate and Unverified Information ( FCRA 623, 15 U.S.C. 1681s-2 ) FIRSTPOINT COLL RESO is reporting information to the credit bureaus without verifying its accuracy, in direct violation of the FCRA. 
When I disputed the account with both FIRSTPOINT COLL RESO and the credit reporting agencies, FIRSTPOINT COLL RESO failed to conduct a reasonable investigation and continued to furnish the disputed information, despite not validating it. 

3. Failure to Mark the Account as Disputed ( FCRA 623 ( a ) ( 3 ) ) FIRSTPOINT COLL RESO has not marked the account as disputed with any of the major credit bureaus, even though I sent a formal written dispute. This is a clear violation of the FCRAs requirement to report an account as disputed once the consumer challenges its accuracy. 

4. Potential Re-aging of the Account ( FCRA & FDCPA Violations ) The date of last activity or first delinquency appears to have been manipulated to keep the collection account on my credit file longer than legally allowed, which constitutes illegal re-aging. This is a deceptive practice and violates both the FDCPA and FCRA. 

5. Continuing to Damage My Credit With Unverified Information ( FDCPA 807 False Representation ) FIRSTPOINT COLL RESO is continuing to misrepresent the legal status of the debt by reporting it to credit bureaus without proof that the debt is valid or owed by me, which violates FDCPA 807.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-01 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: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-06-02 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: FL

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

Company 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 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I asked the company for proof and verification of debt and they have not send it. The company is asking for an amount but I do not remember having any contracts or accounts with this company. The collection was removed from my credit report and then was added again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: DC

Complaint narrative:
I came across the CFPB Experian lawsuit. 

I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 

Come with the receipts, or be quick to delete.

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 2025-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
Consumer Collection Mana # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent the proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account Im asking you to verify as accurate. 

XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXXXXXX  Last 4 of SSN : XXXX [ Equifax / Experian / TransUnion Send a separate copy of this letter to each agency at their respective addresses ] Date : XX/XX/XXXX Re : Request for Removal of Inaccurate Personal Information on Credit Report To Whom It May Concern : Upon reviewing my credit report, I noticed some inaccuracies in my personal information, specifically concerning the spelling of my name. My legal name is XXXX XXXX XXXX XXXX, and any variations should be removed. I have enclosed a copy of my government-issued photo ID to verify the correct spelling. 

To expedite the process of updating my information, I have listed below the incorrect names currently associated with my report. I request that these erroneous entries be removed immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should be only one address on my report, which is : XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX, TX XXXX Enclosed, you will find documentation verifying my current address, as per your website 's instructions. 

According to the Fair Credit Reporting Act ( FCRA ), I understand that these inaccuracies will be investigated and corrected within 30 days of receipt of this request. I kindly request an updated copy of my credit report, free of charge, be sent to the address listed above. Additionally, please send notifications of these corrections to any recipients of my credit report within the last six months. 

Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-06-01 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: WA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a XXXX of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with XXXX XXXX of the Fair Credit Reporting Act.

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 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX CFPB Complaint Against Radius Global Solutions Subject : Ongoing Reporting and Collection of Unverified Debt Request for Immediate Removal and Regulatory Action Company : Radius Global Solutions Credit Bureaus Reporting : XXXX, XXXX, XXXX  What Happened : I am filing this formal complaint against Radius Global Solutions for multiple violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) in connection with a collection account they are reporting on my credit file. 

Here are the specific violations and consumer harms I am alleging : 1. Failure to Validate Debt ( FDCPA 809, 15 U.S.C. 1692g ) I exercised my right under the FDCPA to request full and complete validation of the alleged debt being reported and collected by Radius Global Solutions. 
Despite my written request, Radius failed to provide : A signed agreement bearing my signature ; A detailed accounting of the alleged amount owed; Proof they are legally authorized to collect this debt ; A copy of the original creditors documentation proving the debt is valid and accurate. 

Until such validation is provided, no collection activity or credit reporting is permitted by law. 

2. Reporting Inaccurate and Unverified Information ( FCRA 623, 15 U.S.C. 1681s-2 ) Radius Global Solutions XXXX reporting information to the credit bureaus without verifying its accuracy, in direct violation of the FCRA. 
When I disputed the account with both Radius and the credit reporting agencies, Radius failed to conduct a reasonable investigation and continued to furnish the disputed information, despite not validating it. 

3. Failure to Mark the Account as Disputed ( FCRA 623 ( a ) ( 3 ) ) Radius has not marked the account as disputed with any of the major credit bureaus, even though I sent a formal written dispute. This is a clear violation of the FCRAs requirement to report an account as disputed once the consumer challenges its accuracy. 

4. Potential Re-aging of the Account ( FCRA & FDCPA Violations ) The date of last activity or first delinquency appears to have been manipulated to keep the collection account on my credit file longer than legally allowed, which constitutes illegal re-aging. This is a deceptive practice and violates both the FDCPA and FCRA. 

5. Continuing to Damage My Credit With Unverified Information ( FDCPA 807 False Representation ) Radius Global Solutions is continuing to misrepresent the legal status of the debt by reporting it to credit bureaus without proof that the debt is valid or owed by me, which violates FDCPA 807.

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 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This grievance is against capital one credit card and their travel agency department. I have used this credit card advertised promotions to book 2 international flights for a family emergecgy. I am a XXXX person with XXXX  XXXX  I am traveling with my daughters so they can help me. My daughters also made the same flight reservations through their own capital one credit cards. In the process capital one had my name wrong on my tickets and they dont match my passport. I have contacted them It has been three long weeks they have asked for copy of my passport which I have provided to them but they have done absolutely nothing. They are the definition of real nightmare. They are forcing me to cancel my flights ( they are not going to refund my money ) and they are forcing me to purchase new tickets. I have told them that due to my XXXX I cant be separated from my girls I need their assistance to travel. I cant be my own. They dont care. I honestly believe this is a sort of scam on consumer and a total discrimination toward a XXXX person. Please I need your help to resolve this issue. 

Their travel department is operated outside the United States with agents that are not knowledgeable with no experience they read off a script and they are not problem solvers they are problem makers they are impolite and their customer service is below standard of the industries. It is shameful and dishonest to offer this type of scam services through a credit card company there is no transparency the feed you bunch of lies and misinformation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SC

Complaint narrative:
Account XXXX XXXX # XXXX, I'm unaware of this debit and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. if not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is identity, theft XXXX XXXX customer support supervisor by the name of XXXX have lied and said they have never received the FTC report. They continued to add these negative items to my credit report. Im sending this in as evidence. Also I would like for these accounts to be removed immediately from my Credit profile how this is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
URGENT FORMAL DEMAND FOR INVESTIGATION UNLAWFUL CREDIT REPORTING OF XXXX ACCOUNTS AND QUESTIONABLE LEGAL AUTHORITY OF TRANSUNION I AM FILING A FORMAL COMPLAINT AGAINST TRANSUNION FOR ILLEGAL, FRAUDULENT, AND HARMFUL CREDIT REPORTING PRACTICES THAT HAVE RESULTED IN SEVERE DAMAGE TO MY FINANCIAL PROFILE. THESE PRACTICES INCLUDE BOTH FALSE DELINQUENCY REPORTING AND SYSTEMIC ABUSE OF CREDIT REPORTING GUIDELINES. 

THE FOLLOWING STUDENT LOAN ACCOUNTS, SERVICED BY XXXX AND REPORTED UNDER THE DEPARTMENT OF EDUCATION ( DEPT OF ED ), ARE BEING REPORTED BY TRANSUNION AS 90 TO 120 DAYS PAST DUE AS OF XX/XX/year> : - {$1700.00} - {$770.00} - {$1300.00} - {$1400.00} - {$1900.00} TRANSUNION IS NOW REPORTING A RECENT DELINQUENCY IN 2025, WHICH IS FACTUALLY AND LEGALLY IMPOSSIBLE. THIS CONSTITUTES 'REAGING " A PRACTICE EXPRESSLY PROHIBITED UNDER : 1. FCRA 623 ( a ) ( 5 ) WHICH REQUIRES REPORTING OF THE ORIGINAL DATE OF FIRST DELINQUENCY ( DOFD ) 2. FCRA 607 ( b ) WHICH REQUIRES THE USE OF MAXIMUM POSSIBLE ACCURACY IN CREDIT REPORTING 3. METRO 2 GUIDELINES WHICH FORBID THE UPDATING OF DEROGATORY ACCOUNT STATUS WITHOUT A NEW TRIGGERING EVENT IN ADDITION TO THESE RECKLESS CREDIT REPORTING PRACTICES, IT MUST BE NOTED THAT TRANSUNION IS A PRIVATE, FOR-PROFIT CORPORATION THAT HAS NEVER BEEN GRANTED A STATUTORY MANDATE OR CONSTITUTIONAL AUTHORITY TO ACT AS A NATIONAL CREDIT BUREAU XXXX TO DATE, NO CONGRESSIONAL LAW OR FEDERAL AGENCY HAS ISSUED TRANSUNION THE LEGAL RIGHT TO MONITOR, STORE, OR DISTRIBUTE SENSITIVE CONSUMER CREDIT DATA. 

TRANSUNION OPERATES WITHOUT A LEGISLATIVE CHARTER, REGULATORY LICENSE, OR PUBLIC ACCOUNTABILITYYET WIELDS IMMENSE POWER OVER CITIZENS ABILITY TO OBTAIN HOUSING, EMPLOYMENT, TRANSPORTATION, AND CREDIT. THIS IS A DANGEROUS CONSTRUCT THAT REQUIRES IMMEDIATE SCRUTINY AND OVERSIGHT. 

I AM DEMANDING THAT THE CFPB : - IMMEDIATELY INVESTIGATE THE FALSE CREDIT REPORTING OF THE ABOVE XXXX ACCOUNTS - ORDER THE REMOVAL OF THESE ACCOUNTS FROM MY TRANSUNION CREDIT REPORT - EXAMINE THE LEGAL BASIS ON WHICH TRANSUNION CONTINUES TO OPERATE AS A CREDIT REPORTING AGENCY SHOULD THESE ACTIONS NOT BE TAKEN PROMPTLY, I AM PREPARED TO ESCALATE THIS TO THE FEDERAL TRADE COMMISSION ( FTC ), THE MARYLAND ATTORNEY GENERAL, THE MEDIA, AND IF NECESSARY, PURSUE LITIGATION FOR DAMAGES UNDER FCRA 616 AND 617.

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 2025-06-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC
State: AR

Complaint narrative:
In XXXX of 2023 I bought a vehicle from ByRider through a financial loan from their in house financing company, CNAC. I was told that I would have a loan term of no longer than 24 months because this was the longest loan term their company was allowed to offer across the board to any customer. The length of 24 months was appealing to me because of how high my payments were going to be, {$210.00} twice monthly.

Once I was already locked into this contract, and had already paid {$3000.00} down on the car, I was informed by CNAC that I was per my contract to make a car payment of {$270.00} every pay period. So, on the months that I was paid 3 times, I paid an additional {$270.00}. I also was told and given documents to sign showing my payment would be {$210.00}, but somehow I have been charged a total of {$270.00} each pay period. I have not been late or missed a payment. I inquired more than once on options or resources to lower my payment and to change the frequency of having to pay it. Any time I called, I was harshly told that I either needed to stick with their agreement they had documented, or they would repossess my vehicle. My loan term is not 24 months as I was sold into believing, and shown documents stating this. It is actually for 42 months. I will have paid 4 times the value of a vehicle, and have nothing but a worthless hunk of metal to show for it. Help me.

Company response to consumer: Closed with explanation