vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: MD

Complaint narrative:
Good afternoon CFPB Today Im complaining this debt collector : Waypoint Resource Grou XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Phone number : XXXX First I wasnt aware of the debt until it appears on my credit report, I wasnt informed or contacted about it. 

Second I immediately write a letter to apologize and returned equipments to company that was overdue, I also made an offer to settle for the debt but it was returned to my address. This company cant be trusted because they arent unavailable but keep reporting every month, they are violating my privacy and rights.

Im demanding this collection to be removed immediately because they are been reporting false and inaccurate information on credit report every month hence lower my ability to be trusted by different lenders.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: VA

Complaint narrative:
on my DMV ( Department of Motor Vehicles ) report it show two additional names that don't belong to nor is associated with me. Please have the names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' ASAP Please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: TX

Complaint narrative:
These following account are not mine according to 15 US Code 1681 for Permissible Purposes I did not authorize the report of the following account and do not have nothing to do with them. 

XXXX XXXX XX/XX/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

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 2025-04-06 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: TX

Complaint narrative:
These following account are not mine according to 15 US Code 1681 for Permissible Purposes I did not authorize the report of the following account and do not have nothing to do with them. 

XXXX XXXX XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: SC

Complaint narrative:
Subject : Immediate Dispute of Fraudulent Accounts Data Breach Impact I am writing to formally request the blocking and deletion of all accounts associated with my personal information, as I am a victim of the Equifax data breach that has affected numerous individuals. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-06 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: MS

Complaint narrative:
I am submitting this follow-up to my original complaint regarding two accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that were closed and charged off in XXXX but continue to be reported on my credit by XXXX, Equifax, and XXXX. 

The accounts involved are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have not had any consumer activity since being closed. However, despite multiple disputes and submission of a valid FTC Identity Theft Report, the creditor continues to update the accounts monthly. 

On XX/XX/XXXX, both accounts were updated again and most recently, on XX/XX/XXXX, I received a credit alert that one of these accounts was being reported as over the credit limit, despite being closed for over 6 years.

These updates violate : FCRA 605 ( a ) : prohibits reporting negative items more than 7 years from the original date of delinquency FCRA 623 ( a
) ( 5 ) : prohibits creditors from re-aging accounts or misreporting dates to extend their presence on a credit file I am requesting that the CFPB require the permanent removal of both First Tennessee accounts from all three credit bureaus and direct that no further updates or balance changes be allowed from First Horizon. 

These continued updates represent willful noncompliance and manipulation of credit data, and I am prepared to seek damages under FCRA 616 and 617 if this issue is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these are not under my name they are under the name XXXX XXXX I need to have these all removed from my credit report. 

Thank you, 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 2025-04-07 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:
Chase XXXX XXXX XXXX XXXXXXXX Chase XXXX XXXX XXXX XXXX XXXXXXXX All of these are not under my name they are under the name XXXX XXXX I need to have these all removed from my credit report. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All of these are not under my name they are under the name XXXX XXXX I need to have these all removed from my credit report. 

Thank you, 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 non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
My account with XXXX XXXX XXXX, now XXXX XXXX, is over XXXX years old and should be removed from my credit report. Also, they continually report that they wrote off my full balance of {$3300.00} which is untrue. I paid most of that balance in an agreed settlement as evidenced by the attached documents.

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 2025-04-06 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: NY

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.Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights.I looked at my Equifax credit report on XX/XX/year> and noticed somethings are incomplete and not accurate, and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: TX

Complaint narrative:
This letter is to confirm that XXXX XXXX has been a client of XXXX XXXXXXXX, an organization that provides services and support to individuals who have experienced human trafficking.Based on our interactions and documentation, we can confirm that he is a XXXX XXXX XXXX  as defined by applicable federal or state law. As a result of the trafficking experience, XXXX XXXX may have incurred debts or financial accounts that were created or used without their informed consent or under coercion.We support his request to block or remove these items from their credit report in accordance with the 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 2025-04-06 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:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This complaint is with Capital one. My 2 accounts were reported incorrectly. I n 2020 capital one reported 2 of my accounts 90 days late. The accounts I have with capital one are set up on a web page all together. Meaning if you have 4 account their all on the same page. In 2020 I made payments to all the accounts I had with capital one before the due dates on time. I tried to resolve this with capital one and the response I got was to pay extra on these accounts. At no time did capital one contact me to inform me that any of the 4 accounts I had at that time were late at all. Capital one mark the credit bureaus late without informing me they were late. Capital one customer service gives you the run around and does not help at all. I have been dealing with capital one for over 14 or 15 years. I always set up my payments before the due date. If you need a screenshot of the accounts and the way they are set up I will gladly forward them to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: TX

Complaint narrative:
I am writing to formally request the removal of a XXXX XXXX collection account with a {$620.00} balance from my credit report. I disputed this account with XXXX, and after their investigation was completed on XX/XX/year>, the account was deleted from my XXXX credit report. This deletion confirms that the account is unverifiable, and your agency is now legally required to take similar action in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies must report only accurate, complete, and verifiable information. Since XXXX has determined that this account can not be verified and removed it from my credit file, your agency must comply with the same requirement to ensure accurate reporting. 

Furthermore, FCRA 609 and 611 state that if disputed information can not be verified within XXXX  days, it must be removed from the consumers credit report. I respectfully request that you investigate and remove this unverifiable account from my credit file within the legally mandated XXXX timeframe. 

Failure to comply with this request may result in legal action. FCRA 616 and 617 grant consumers the right to seek damages and take legal action against credit reporting agencies that fail to uphold their obligations under federal law. Should your agency continue to report unverifiable information, it may face liability for damages caused by inaccurate reporting. 

I have attached a copy of my XXXX credit report confirming the deletion of this account for your review. Please provide written confirmation once the account has been removed from my credit report. If you choose not to delete the account, I request that you provide sufficient documentation verifying its accuracy. 

If this matter is not resolved within XXXX days, I will escalate the issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring additional legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-04-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Upon review of my consumer credit report, there were numerous unauthorized credit inquiries. I have not consented to any request for information within my consumer credit report by your company. I request immediate removal. I have notified all credit bureaus. Thank you.

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 2025-04-06 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:
I am writing to you to file a complaint about a debt collection agency that has failed to provide proper validation or verification of a debt, as required by law. 

On or about XXXX, I requested written validation of a debt that the collection agency claims I owe, specifically in the amount of {$550.00}. The agency is Portfolio Recovery. Despite my formal written requestand follow-up communications on or about XXXX collection agency has not provided sufficient proof that this debt is legitimately mine. 

The following actions were taken : I received a collection letter from Portfolio Recovery alleging a debt for {$550.00}. 

I sent a certified letter to the collection agency asking them to validate the debt, including clear documentation showing the original creditors information and a statement explaining how the amount claimed was calculated. 

I received an acknowledgement from the collection agency that they received my request. However, they did not send the requested verification or validation documents. 

I sent a follow-up letter reiterating my validation request. Again, I did not receive proper evidence proving that this debt is valid and legally owed by me. 

I believe the collection agency violates the Fair Debt Collection Practices Act ( FDCPA ) since they have not supplied proof of the original debt, any signed agreement that created the debt, or any detailed accounting to show how the alleged amount was derived. The agency continues to pursue collection efforts without providing me with the requested information, which I find both concerning and potentially unlawful. 

I respectfully request that the CFPB investigate this matter and ensure that this collection agency complies with the law by providing full, complete, and accurate validation of the debt, or ceases collection activity if they can not do so. 

Thank you for your time, and I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report that I believe may be the result of fraudulent activity. After reviewing my credit report, I noticed the following accounts listed, which I do not recognize or authorize. I request an immediate investigation, as required by the Fair Credit Reporting Act ( FCRA ), to validate the information and ensure its accuracy. 
The accounts in question are as follows : XXXX. XXXX XXXX Account Number : XXXX Balance : {$1200.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$3700.00} Opened : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  Account Number : XXXX Balance : {$4800.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Balance : {$2400.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Balance : {$200.00} Opened : XX/XX/XXXX As per the FCRA, I am entitled to request validation of this information. I request that you provide me with the following for each of the listed accounts : The original signed contract or application The full balance history and current balance Proof of my authorization for the accounts Evidence of any payments made, if applicable Any documentation demonstrating the collection rights within the state of Florida Until this information is properly verified, I request that these items be removed from my credit report immediately, as they may be the result of fraudulent actions that were not initiated or authorized by me.

Please acknowledge receipt of this dispute and begin your investigation into this matter as required by the FCRA. If you are unable to validate the accounts, I request that they be removed from my credit report promptly.

Thank you for your prompt attention to this matter. I look forward to receiving your response and resolution of this issue within the statutory time frame. 
Sincerely, 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 2025-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I only have XXXXXXXX XXXX XXXX  account on my reports for years as I use cash on a daily basis. I received notification from the credit bureaus a medical debt was added to my credit report. This debt isn't mine. I'm employed with medical insurance. It shows the original provider is XXXX XXXX XXXX XXXX for {$980.00} but no one can tell me what is for? Now it appears as a debt from Capio Partners. I'm requesting this false medical collection be removed as it lowered my score tremendously.

Company response to consumer: Closed with non-monetary relief