vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Agency did not validate or provide any information. The balance shows {$600.00}, but the names on the credit report are XXXX, XXXX, and XXXX are unknown. 
1. No Validation. By FDCPA, US 15 U.S.C 162g 2. No signature that I put on the contract guaranteeing that I would pay this creditor.

3. No copy of the original agreement or contract showing my responsibility for this debt.

4. Nor is there any insurance claim found on this debt.

5. Plus proof that they are authorized and have the chain of title to collect this debt, including documentation of any transfer of ownership or assignment.

6. Information could be breached and shared without consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: CA

Complaint narrative:
Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization. 
**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**. 
**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
there was a hard inquiry on my credit report it wasn't me and they wont take it off and it damaged it quite a bit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
Subject : Complaint Against Hunter Warfield Inc. for Failure to Validate Debt Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Hunter Warfield Inc. ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) for failing to validate an alleged debt as required under federal law.

I was made aware of their attempt to collect an alleged debt less than five days ago. In response, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and sent a written request for debt validation and verification. I specifically requested : 1. Proof of the Original Debt A signed contract or agreement proving my obligation to pay.

2. Detailed Account Information An itemized statement of the debt, including the original amount, interest, fees, and payment history.

3. Chain of Title Documentation showing continuous ownership of the debt from the original creditor to Hunter Warfield Inc.

4. Cessation of Collection Activities A halt to collection efforts, including credit reporting, until validation is provided. 

5. Insurance Claim Information Any records of insurance payments related to this alleged debt.

D

espite my request, Hunter Warfield Inc. has failed to provide any valid documentation to verify the debt within the required timeframe. They have also continued their collection efforts, which may be in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. If the debt can not be verified, they are legally required to cease collection and remove any negative reporting from consumer credit agencies. Additionally, I provided formal notice under 15 U.S.C. 1692c ( c ) to cease all communications regarding this debt unless they could validate it. They have disregarded this notice. I request the CFPBs intervention to ensure that Hunter Warfield Inc. either properly validates the alleged debt or ceases all collection activities, including reporting to credit bureaus. I also request that any inaccurate or unverifiable negative reporting related to this debt be promptly removed. Please advise on the next steps to address this matter and hold Hunter Warfield Inc. accountable for their non-compliance with federal consumer protection laws. Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL UNAUTHORIZED HARD INQUIRES THAT I DO NOT RECOGNIZE. I CONTACTED THE CREDIT BUREAUS TO DISPUTE THESE HARD INQUIRES AND REQUESTED THIER REMOVAL. UNFORTUNATELY, THE CREDIT BUREAUS REFUSED TO REMOVE THEM OFF MY REPORT. THIS ISSUE IS CAUSING UNDUE STRESS AND IS NEGATIVELY AFFECTING MY FINANCIAL STANDING.

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 2025-02-16 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file regarding the XXXX account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, furnishers are required to report accurate and consistent information to all credit bureaus. However, the information regarding this account varies between bureaus, indicating a violation of my rights. 

Additionally, under 15 U.S.C. 1681i, I have requested multiple reinvestigations, yet they continues to report the account as " verified '' without providing adequate proof of validation. This failure to properly investigate and correct these discrepancies is causing unjust harm to my credit profile. 

Due to these violations and the inconsistent reporting of this account, I formally demand that Experian delete the XXXX account from my credit report immediately. If this issue is not resolved, I will explore further action to enforce my rights under federal law. 
I also need a writing reply mail to me of how you reinvestigate who and the process name of who did it Please provide a written confirmation of the deletion within 30 days, as required by the FCRA. 
PS : I attached The Evidence of the inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: IN

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file regarding the XXXX account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, furnishers are required to report accurate and consistent information to all credit bureaus. However, the information regarding this account varies between bureaus, indicating a violation of my rights. 

Additionally, under 15 U.S.C. 1681i, I have requested multiple reinvestigations, yet they continues to report the account as " verified '' without providing adequate proof of validation. This failure to properly investigate and correct these discrepancies is causing unjust harm to my credit profile. 

Due to these violations and the inconsistent reporting of this account, I formally demand that Experian delete the XXXX account from my credit report immediately. If this issue is not resolved, I will explore further action to enforce my rights under federal law. 
I also need a writing reply mail to me of how you reinvestigate who and the process name of who did it Please provide a written confirmation of the deletion within 30 days, as required by the FCRA. 
PS : I attached The Evidence of the inaccuracies

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 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I have been using Zelle with my mobile phone number since last year when XXXX started offering My last XXXX payments through them havent arrived at XXXX check account but my XXXX account. I changed mobile number from XXXX XXXX  to use at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I did not authorize these inquiries. I'm a victim of data breach XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX & ( XXXX ) XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
After reviewing the debt validation the address XXXX XXXX XXXX XXXX XXXX. is a storage facility and have no affiliation to that address. they can't provide any sign document that show that the credit debt belongs to me. This organization or show call law firm are group of thugs that hide under the shield as a lawyer to intimidate, harass innocent working family scamming them their hard earned income. In other to facilitate their criminal activities the bought and pay for the election of local and state judges. The act like XXXX  in a law clothes. If federal authorities should step in and stop this thugs XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: WI

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS AND INQUIRIES PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear TransUnion Dispute Department, I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX 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 XXXXXXXX ( XXXX XXXX ) - XXXX Fraudulent Inquiries to Be Removed : XXXX - XXXX XXXX XXXX Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect TransUnion to take immediate action to rectify the harm caused by this breach.

I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect TransUnion to provide a detailed explanation, including the evidence used to verify its accuracy.

Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report that are directly impacting my financial well-being. As someone who prioritizes financial responsibility, I consistently monitor my accounts, ensure timely payments, and review my credit reports regularly. It is through this diligence that I identified several reporting errors that require immediate correction.

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 2025-02-16 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: MO

Complaint narrative:
On XX/XX/year>, I reviewed my XXXX credit report and noticed that Portfolio Recovery Associates is reporting an account that I do not recognize or owe ( Account # XXXX ). ** On XX/XX/year>, disputed this account directly with XXXX, requesting verification of its accuracy. XXXX responded by stating the account was " verified '' but did not provide any actual proof of the debt 's validity. 

Following this, on XX/XX/year>, I submitted a debt validation request directly to Portfolio Recovery Associates, requesting : A signed contract or agreement proving I authorized this debt. 
A full payment history from the original creditor. 
Proof of ownership or assignment of the debt. 
Verification of the balance owed and breakdown of fees/interest. 
To date, Portfolio Recovery Associates has failed to provide any of the required documentation to validate this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they are required to provide validation upon request before continuing to report or collect on a disputed debt. Their failure to validate means they should cease reporting this account to credit bureaus under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ). 

Despite their lack of verification, XXXX continues to report this account, harming my credit. Since Portfolio Recovery Associates has not met their legal burden of proof, I am requesting that XXXX remove this account from my credit report immediately. 

Requested Resolution : Remove Portfolio Recovery Associates ( Account # XXXX ) from my credit report. ** Ensure Portfolio Recovery Associates ceases further collection activity. 
Provide written confirmation of these corrections. 
If this issue is not resolved, I will escalate further with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and explore potential legal action for violations of the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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 am filing a complaint against Portfolio Recovery Associates for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Portfolio Recovery Associates consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Portfolio Recovery Associates actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Portfolio Recovery Associates complies with federal law and provides consumers with the necessary proof of investigation. 

Also, I request deletion of all fraudulent items and information within 30 days pursuant to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
These student loans are too old to be on my report also the information is incorrect

Company response to consumer: Untimely response
Consumer complaint received 2025-02-16 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: WI

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS AND INQUIRIES PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear TransUnion Dispute Department, I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX 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 XXXXXXXX ( XXXX XXXX ) - XXXX Fraudulent Inquiries to Be Removed : XXXX - XXXX XXXX XXXX Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect TransUnion to take immediate action to rectify the harm caused by this breach.

I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect TransUnion to provide a detailed explanation, including the evidence used to verify its accuracy.

Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC

Company response to consumer: Closed with explanation