vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: KY

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
I noticed a fraudulent credit activity on my credit report that I did not authorize or initiate. These accounts does not belong to me and appears to have been opened or attempted without my knowledge or consent. I am concerned that my personal information may have been used fraudulently. Please investigate and remove this item from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX {$50000.00} was sent to my Paypal from another PayPal. 

On XX/XX/XXXX two payments of {$200000.00} was sent to my Paypal from another PayPal. 

On XX/XX/XXXX another payment of {$200000.00} was sent to my PayPal form another Paypal account. 

On XXXX another {$50000.00} was sent to my Paypal from another Paypal account. 


I didnt receive any email and its not showing in the account activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I made overpayment on my Capital One XXXX and XXXX XXXX cards. Because they had only {$300.00} limits. But when I spent some on it they told me the request a check. I did and because the transactions totalled over {$13000.00} they sent it to fraud. Then the asked me for my Driver 's License and a statement of the statement with the transactions. I did this and they accepted that. Then they wanted me to go on a 3 way with the person doing the balance transfer to my card. Then they said they closed my account because it has been 45 days. They said they will mail the overpayment checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Capital Services, LLC
State: AZ

Complaint narrative:
Debt Validation Request XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/year> Subject : Request for Debt Validation under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally request verification of the following debts that have been reported on my credit file. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate or unverifiable information on my credit report. 

Please investigate and provide documentation verifying the accuracy and legitimacy of the following accounts : Collection Accounts : XXXX. XXXX XXXX XXXX - Original Creditor : XXXX XXXX - Account Number : XXXX - Balance : {$1300.00} XXXX. XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Balance : {$1300.00} XXXX. Nationwide Capital XXXX- Original Creditor : XXXX  - Account Number : XXXX - Balance : {$3600.00} If these accounts can not be verified, I respectfully request that they be removed from my credit report immediately. Please provide your response and any supporting documentation within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MA

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code S 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be reinvestigated : * Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Name : XXXX Account 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 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am filing this complaint regarding a collection account reported by XXXX XXXX XXXX ( Account # XXXX ) that recently appeared on my XXXX XXXX credit report. The account is listed as opened on XX/XX/year>, with a balance of {$140.00}. 

I was completely unaware of this account and have never received any communicationno letters, calls, or emailsfrom XXXX XXXX XXXX prior to this collection being reported. I do not recognize the debt, the account number, or any business associated with it. 

This situation feels deceptive and possibly unlawful, especially given my rights under the Fair Credit Reporting Act ( FCRA ), which I believe may have been violated in several ways : FCRA 611 ( 15 U.S.C. 1681i ) : I have the right to dispute inaccurate or unverified information on my credit report. Once a dispute is filed, the credit bureaus and the information furnisher must conduct a reasonable investigation within 30 days. I have not received validation or investigation results.

FCRA 623 ( a ) ( 2 ) : Furnishers must promptly update or correct inaccurate or incomplete information. If XXXX XXXX XXXX can not provide documented proof that this debt is valid and that it belongs to me, they are required to remove it.

FCRA 605B : If the information is the result of identity theft, I have the right to request a block on the account from my credit report. While I am still reviewing the possibility of identity fraud, this law applies if the account was created or reported in error.

FCRA 604 Permissible Purpose : No company may report or access my credit data without a legally permissible purpose. If XXXX XXXX XXXX did not have my consent or a legal reason to report this collection, that is a direct FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am filing this complaint regarding a collection account reported by XXXX XXXX XXXX ( Account # XXXX ) that recently appeared on my XXXX XXXX credit report. The account is listed as opened on XX/XX/year>, with a balance of {$140.00}. 

I was completely unaware of this account and have never received any communicationno letters, calls, or emailsfrom XXXX XXXX XXXX prior to this collection being reported. I do not recognize the debt, the account number, or any business associated with it. 

This situation feels deceptive and possibly unlawful, especially given my rights under the Fair Credit Reporting Act ( FCRA ), which I believe may have been violated in several ways : FCRA 611 ( 15 U.S.C. 1681i ) : I have the right to dispute inaccurate or unverified information on my credit report. Once a dispute is filed, the credit bureaus and the information furnisher must conduct a reasonable investigation within 30 days. I have not received validation or investigation results.

FCRA 623 ( a ) ( 2 ) : Furnishers must promptly update or correct inaccurate or incomplete information. If XXXX XXXX XXXX can not provide documented proof that this debt is valid and that it belongs to me, they are required to remove it.

FCRA 605B : If the information is the result of identity theft, I have the right to request a block on the account from my credit report. While I am still reviewing the possibility of identity fraud, this law applies if the account was created or reported in error.

FCRA 604 Permissible Purpose : No company may report or access my credit data without a legally permissible purpose. If XXXX XXXX XXXX did not have my consent or a legal reason to report this collection, that is a direct FCRA violation.

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 2025-08-22 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: AL

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I am writing to formally file a complaint and request assistance regarding a loan I obtained from XXXX  XXXX XXXX, XXXX, serviced through XXXX XXXX. I am a resident of Virginia, and I believe this loan was extended to me in violation of Virginia law. 

The loan agreement contains a Cash Advance Fee of 10 % deducted upfront, and recurring Statement Balance Fees that can exceed XXXX  of dollars per month, rather than a disclosed annual percentage rate ( XXXX ). This fee structure makes the effective XXXX vastly exceed XXXX legal cap of 12 %. 
The agreement claims that the loan is governed by Utah law, despite being extended to me as a Virginia resident with no meaningful connection to Utah. I understand that Virginia courts have ruled such choice of law provisions unenforceable in similar cases against XXXX. 
The contract also contains waivers of jury trial and class action rights and requires mandatory arbitration, which prevents me from seeking relief through the courts. 
I recently learned that XXXX  and XXXX XXXX  were subject to enforcement action by the Virginia Attorney General for issuing illegal predatory loans to Virginia consumers. I believe my loan falls within the same unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NJ

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

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 2025-08-22 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: NC

Complaint narrative:
While applying for a mortgage to purchase a home, I was shocked to discover multiple unauthorized and fraudulent accounts appearing on my credit reports. These accounts were not opened by me, and I have no knowledge of the creditors, transactions, or any associated activity. 

The appearance of these fraudulent accounts caused significant harm to my credit profile and was a source of embarrassment and emotional distress, especially given the timing during a major financial event. These inaccuracies are preventing me from moving forward with the homebuying process and are impacting my financial stability. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute inaccurate or incomplete information in my credit file, and the credit reporting agencies are required to conduct a reasonable investigation and correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving my dispute. 

Additionally, under 15 U.S. Code 1681c-2, I have the right to request a block of fraudulent information resulting from identity theft. I have previously contacted the credit reporting agency and the data furnisher, but the issues remain unresolved or insufficiently addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still showing up on my credit report this morning. I refreshed my browser hoping it was a glitch, but the errors remained. I urgently ask that the documents I sent be reviewed carefully so this issue is resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: FC HoldCo LLC
State: TX

Complaint narrative:
Company is reporting charge off on consumer report and failed to send 1099C after asking verbally and written

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