vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Dispute of Fraudulent Accounts : I am writing to formally dispute several fraudulent accounts that have been opened in my name as a result of identity theft. According to Section 605B of the Fair Credit Reporting Act, I am requesting that these accounts be investigated and subsequently removed from my credit report. The accounts in question are as follows : XXXX XXXX Opened : XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Account Number : XXXX, XXXX XXXX XXXX Opened : XX/XX/XXXX Account Number : XXXX, XXXX XXXX XXXX Opened XX/XX/XXXX Account Number : XXXX, XXXX XXXX XXXX Opened XX/XX/XXXX Account Number : XXXX, XXXX XXXX XXXX Opened : XX/XX/XXXX Account Number : XXXX, XXXX XXXX XXXX Opened XX/XX/XXXX Account Number : XXXX. I have not authorized the opening of these accounts, nor have I received any statements or correspondence regarding them. I request that you conduct a thorough investigation into these accounts and provide me with the results as soon as possible. I also ask that you remove these fraudulent entries from my credit file. Enclosed are copies of my identification and any relevant documents that support my claim of identity theft. Please confirm receipt of this letter and advise me on the next steps in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: VA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I have noticed that a Partial charge of [ {$1000.00} ] has been applied to my account for the acceptance of a non-cash item. I am writing to address matters concerning my negotiable instrument in the form of a money order i.e Postal Money order serial # XXXX, issued on [ XX/XX/year> ], delivered and signed for [ XX/XX/year> ] Cashed following after the date of delivery ; according to the United States Postal service online tool service in which it allows for people to check for the status of if an instrument has been cashed-by implementing information from the postal money order. According to UCC-3-603, If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. Upon doing so, it has come to my attention that the money has been cashed and my offer has been accepted. Pursuant to the provisions of the Uniform Commercial Code ( UCC ) Section 3-311, I made an offer to satisfy al claims of debt associated with the aforementioned instrument and it has been accepted and tendered. According to 15 usc 1666 this is a billing error and I request that as creditor of this account it is investigated fully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act. The following company below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX years. 15 U.S.C. 1681s-2 ( 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. The following inquiry on my report needs to be removed. 

* XXXX  XXXX NA - XXXX * XXXX  XXXX NA - XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-10 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: NJ

Complaint narrative:
I am filing a complaint because my creditor is inaccurately reporting late payments on my account XXXX. These payments are not properly verified and are not in compliance with the law. I have already disputed the late payments directly with both the credit bureau and the furniture company, but the late payments remain unvalidated and undocumented, which violates 15 USC 1681S2 and US 1681. The credit bureau must conduct a reasonable investigation within 30 days to resolve this issue. Neither party has provided sufficient evidence to support the negative reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 filing a complaint because my creditor is inaccurately reporting late payments on my account XXXX. These payments are not properly verified and are not in compliance with the law. I have already disputed the late payments directly with both the credit bureau and the furniture company, but the late payments remain unvalidated and undocumented, which violates 15 USC 1681S2 and US 1681. The credit bureau must conduct a reasonable investigation within 30 days to resolve this issue. Neither party has provided sufficient evidence to support the negative reporting

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 2025-04-10 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: FL

Complaint narrative:
I recently reviewed my credit report an noticed an account that was not reporting accurately. I had XXXX 60 day late payment on an account that is in fact paid on time. Also this account doesn't have a 30 day late payment proving that this is a true error. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date ( XX/XX/year> ) .I 'm now requesting you to investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. As you can view from my history I take payments serious.

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 2025-04-10 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: LA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, theyve added a collection to my credit report. 

OR The agency is infringing on my consumer rights by using misleading, false, and deceptive tactics. 

Ive already tried to resolve these issues directly with them. But they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately

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 2025-04-10 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: NV

Complaint narrative:
These credit companies are reporting inaccurate, incomplete, and incorrect information on my account. I have requested to receive specific information on accounts and have not received them. According the FCRA 15 usc 1681 credit companies have to report complete and accurate information. 

Also once an alleged account is not with the original company/ severed they are not allowed to sale any debt or transfer via contract law. no Proof of assignment was given either even though requested. 

Accounts that need to be removed from my report are XXXX  XXXXXXXX XXXX along with XXXX XXXX XXXX XXXX XXXX both accounts 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 2025-04-10 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
A {$1200.00} debt is being reported by XXXX XXXXXXXX XXXX  XXXX related to XXXX, a lease-to-own company. In 2023, the CFPB found that XXXX engaged in deceptive leasing practices and was ordered to stop all collection activity and delete accounts from credit reports. Despite this, the account remains on my credit file. 

This debt is no longer legally enforceable, and XXXX agreed to cease collection and reporting of all such accounts. 

CFPB Enforcement Reference : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-lease-to-own-financier-tempoe-to-stop-collecting-on-illegal-loans/

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-10 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
I was given XXXX warning my funds would be put on hold in my savings or checking account. I was told they attempted to call me today XX/XX/year>, but left no voicemail with contact information back. They are now holding my funds for up to 60 days and closing my account because of a dispute I filed on fraudulent charges that I won in my favor.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After, reviewing my credit reports, I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt. However the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting information I am not familiar with. 


Please find attached a copy of my ID

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Creditor Name : DPEDXXXX Account Number : XXXX These late payments are inaccurate, misleading, and in violation of federal law. This account was in an approved deferment/forbearance status at the time of the reported late payments, and therefore, no payment was due. 
Per the Fair Credit Reporting Act ( FCRA ), all information reported to the credit bureaus must be accurate, complete, and verifiable [ 15 U.S.C. 1681s-2 ( a ) ]. Reporting late payments during a valid deferment period is factually incorrect and damaging to my consumer report and overall creditworthiness. 
Additionally, continued inaccurate reporting after notice constitutes willful noncompliance, and I reserve the right to pursue damages under 15 U.S.C. 1681n.

Under the Fair Debt Collection Practices Act ( FDCPA ), if this account was being serviced or collected by a third-party agency, falsely representing the character, amount, or legal status of a debt is a violation of 15 U.S.C. 1692e ( 2 ) ( A ). If any agency misrepresented that payments were due when they were legally deferred, they may be subject to fines and penalties. I demand the immediate removal of all late payments reported on this account. If this issue is not resolved within 15 calendar days, I will be forced to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and potentially seeking monetary damages in court for negligent and/or willful violations. Please confirm in writing that the inaccurate information has been removed. Failure to do so will be taken as evidence of continued noncompliance, and I am fully prepared to escalate this matter through all available legal channels.

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 2025-04-10 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: MI

Complaint narrative:
Subject : FORMAL DEMAND FOR INVESTIGATION & DELETION Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) To Whom It May Concern : This letter serves as a formal dispute and demand for reinvestigation under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681i ] regarding the account listed below : Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX Account # : XXXX Reported Balance : {$330.00} Date Opened : XXXX  Payment Status : Reported as " Seriously past due / Collection '' I dispute the accuracy, validity, and completeness of this account. This account is not mine or was reported inaccurately, and I am demanding the following actions be taken : Immediate reinvestigation into this account per FCRA 1681i.

Provide full verification and documentation including : A copy of any contract bearing my original wet signature Complete payment history Proof of ownership and authority by the furnisher to report this debt Evidence that you are authorized to collect debts in my state If this account can not be fully verified and documented within 30 days, it must be permanently deleted from my credit file. 

A copy of your investigation results must be mailed to me. 

You are not allowed to continue reporting unverifiable, inaccurate, or outdated information. Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and state attorney generals office. You may also be held liable for damages under FCRA 1681n and 1681o, which allows for actual damages, punitive damages, and attorneys fees. 

This is also a CEASE AND DESIST notice. Do not share, sell, or reassign this account until you resolve this dispute with proper documentation. You are to return this account to the original creditor immediately if you can not prove full verification.

Company response to consumer: Closed with non-monetary relief