vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dates & Amounts of Unauthorized Charges ( XXXX XXXX XXXX ) : XX/XX/25 {$380.00} XX/XX/25 {$380.00} XX/XX/25 {$390.00} XX/XX/25 {$27.00} XX/XX/25 {$190.00} XX/XX/25 {$200.00} XX/XX/25 {$300.00} XX/XX/25 {$61.00} XX/XX/25 {$290.00} XX/XX/25 {$190.00} XX/XX/25 {$170.00} XX/XX/25 {$260.00} XX/XX/25 {$130.00} XX/XX/25 {$370.00} XX/XX/25 {$300.00} XX/XX/25 {$180.00} XX/XX/25 {$82.00} XX/XX/25 {$220.00} Total : Approximately {$4200.00} Actions Taken : On XX/XX/25, I contacted Truist immediately after noticing that a company called XXXX had been withdrawing funds from my account without authorization. Truist opened a dispute case and instructed me to cancel my debit card and order a replacement. I have no business relationship with echst.net, never authorized these transactions, and believe this is a fraudulent company that has been reported by many others online. 

I am requesting a full investigation and reimbursement under Regulation E of the Electronic Fund Transfer Act, which protects consumers from unauthorized electronic withdrawals.

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 2025-09-19 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: OR

Complaint narrative:
XXXX is inaccurately reporting late payments on my mortgage. While I did sign the Note, their reporting is misleading and incomplete under the Fair Credit Reporting Act ( FCRA ). 

In XX/XX/XXXX, I was legally removed from possession of the property by court order and no longer had the ability to access, occupy, or manage the home. On XX/XX/XXXX, the XXXX XXXX explicitly assigned responsibility for mortgage payments to my ex-spouse. 

Despite this, XXXX continues to report late payments against me for periods after XX/XX/XXXX. I have disputed these inaccuracies twice ( XX/XX/XXXX and XX/XX/XXXX ) with both XXXX and the credit bureaus. In response, XXXX acknowledged my divorce decree but dismissed it, stating only that because I signed the Note, reporting me as delinquent is correct. 

XXXX provided boilerplate responses ( XX/XX/XXXX and XX/XX/XXXX ) that ignored the court orders and my lack of possession or benefit of the property. Their investigation was not reasonable under the FCRA. 

Requested Resolution : Remove all late-payment notations dated XX/XX/XXXX and after. 
Provide corrected reporting to Experian, XXXX, and XXXX. 
Confirm in writing that these corrections have been made. 

I have attached supporting documents including court orders, dispute letters, XXXX responses, and mailing proofs.

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 2025-09-19 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:
Delete these accounts in dispute within 15 days to remain in compliance with 15 U.S. Code 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ] [ XXXX IL XXXX ] [ XXXX ] [ XX/XX/year> ] SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Cease and Desist Request for Debt Collection Efforts Dear SOUTHWEST CREDIT SYSTEMS LP I am writing to formally request that you cease all communication and further debt collection efforts regarding the alleged debt referenced in your previous correspondence. I understand that you claim I owe a debt, but I dispute this claim and request that you immediately stop contacting me regarding this matter. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you cease all collection activities. Therefore, I am exercising that right by requesting the following : 1.Cease all telephone calls, letters, emails, or other communications regarding the alleged debt.

2.Provide verification of the debt, including a detailed statement outlining the original creditor, the amount owed, and any supporting documentation to confirm that the debt is valid. 
If you continue to pursue this matter without providing the requested verification, or if you do not comply with this cease and desist request, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies, including state regulators, and take any other legal actions available to me. 
Please note that this letter is a formal request under the FDCPA, and I expect compliance with my request immediately. Any further contact or collection efforts without verification will be considered a violation of my rights under the law. 
Thank you for your immediate attention to this matter. 
Sincerely, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate and duplicate credit reporting related to an account originally issued by XXXX XXXX XXXX  for XXXX. 

The account was reported as charged off and sold to another lender. Despite this, both XXXX and a third-party debt collector ( Jefferson CapitalXXXX XXXX are reporting the same account on my credit file. This constitutes duplicate reporting and misrepresents my credit history. 

Additionally, XXXX filed bankruptcy and ceased operations. XXXX  should not continue reporting an account that has been charged off, sold, and transferred. Only the current legal owner of the debt may report, and they must provide proper validation before any continued collection or credit reporting. 

I believe these actions violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) by failing to ensure accurate and non-misleading reporting, and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) if the collector is reporting or contacting me without proper validation. 

I am requesting that the CFPB : XXXX. Investigate XXXX XXXX XXXX  and the debt collector for inaccurate and duplicative reporting. 
XXXX. Require removal of the duplicate entry from my credit report. 
XXXX. Ensure that any debt collector provide full validation before further collection or reporting. 

These practices are damaging my credit and causing unnecessary harm. I am requesting corrective action and written confirmation of the results. 

I have repeatedly disputed this on XXXX  and they find the dispute to be accurate although they just keep updating the debt collector and creditors information. 

Also I would like to add my account with XXXX XXXX  ( XXXX ) became delinquent due to circumstances outside of my control. At the time I attempted to make payments the bank would not accept my primary form of payment an XXXX XXXX debit card and I had no other available method to pay. I made good faith efforts to resolve the balance, but the creditors refusal to accept my payment method directly contributed to the account becoming past due. This should be taken into consideration in reviewing the accuracy and fairness of the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX Re : Request for Debt Validation under FDCPA 809 ( b ) To Whom it May Concern This letter is a formal request for validation of the debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ). 

1.Please provide me with the following : 2. The amount of the alleged debt, including an itemized accounting of fees, interest, or other charges.

3. A copy of the original signed contract or agreement that makes me legally liable for this debt.

4. Documentation proving you are legally authorized to collect on this account in the State of Louisiana.

5. Verification that this debt has not been paid, discharged, or otherwise invalid.

Until you provide the above information, you must cease all collection activities, including reporting this debt to any credit bureau. Reporting unverifiable information violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
If you can not validate this debt, you are required by law to remove it from your records and cease collection efforts immediately. 
This letter is not a refusal to pay but a notice that your claim is disputed. Please be advised that any further communication without providing validation will be documented as harassment and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Louisiana Attorney Generals Office. 

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 non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this statement to formally report a concerning experience involving what I believe may constitute misleading advertising and unfair business practices by JPMorgan Chase and/or XXXX XXXX XXXX XXXX with a credit card promotion. 

On XX/XX/year> I applied for a Chase credit card through the XXXX XXXX app. At the time of application, one of the clearly advertised welcome offers was a {$350.00} XXXX XXXX card upon approval of the credit card. I selected this offer and completed the application process. I was approved for the card, but I never received the {$350.00} eGift card as advertised. 

Following this, I contacted Chase customer service XXXX times to inquire about the missing reward. The first XXXX representatives I spoke with acknowledged that they could see the {$350.00} gift card offer associated with my application and told me the issue would be escalated. They advised me to wait a few business days. 

Instead of receiving the gift card or a resolution, I received a letter in the mail stating that I would not be receiving the gift card. I called Chase again and escalated the matter to a supervisor. During this final call, I was told that I was ineligible for the {$350.00} XXXX  card because I had received a different welcome offerspecifically, an offer that included XXXX bonus award nights after spending {$3000.00} in the first XXXX months. 

This explanation does not align with the original offer I accepted, nor does it reflect what was clearly advertised to me at the time of application. The {$350.00} gift card was explicitly listed as a benefit upon approval, not dependent on spending requirements or bundled with other offers. I have not received either the gift card or the promotional hotel nights at this point. 

I believe this situation XXXX involve deceptive or misleading advertising practices. As a consumer, I relied in good faith on the terms presented at the time of application. The lack of transparency and the conflicting information provided by Chase representatives is both frustrating and concerning. 

I respectfully request that the CFPB investigate this matter to determine whether Chase and/or XXXX are engaging in practices that mislead consumers regarding promotional credit card offers. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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 requesting the removal of 1 fraudulent account from my credit reports with Experian, TransUnion, and Equifax. Please review my supporting documents and remove the account that was fraudulently added to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am not receiving the correct APY amount on my available funds each month

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: KY

Complaint narrative:
So we were hurting for money until payday which at the time was only XXXX days away. My partner applied for this loan which he assumed to be legal and legit and was approved. It we planned to just pay it all back when we got paid XXXX days later as we dont spend all the money and needed a short amount of cash to get back and forth to work for XXXX days. Later we came to find out we not only were allowed to pay it off early but they tried mandating us to pay on it for such amount of months so they could sneakily and illegal earn funds off interest from us which ended up being over 100 % interest of said loan amount. A {$2000.00} loan cost us almost {$7000.00} when it was all said and done. I told my partner I did not think what they were doing to us was legal considering the interest rate was double the amount of the loan but later I looked the company up after he had paid it off and we had already lost all our money and found out it was a tribal loan and that they are illegal in the XXXX per my findings and information online. I think this company needs to be stopped as its robbing people XXXX and the economy is hard enough as is! I also believe we should get our money back ( the thousands in interest we were charged ) we never paid late it automatically drafted funds from our bank account every XXXX weeks on pay day. So theres no reason for added interest. Please stop this company from doing this to other XXXX citizens we work hard for our money and this put me and my family under financial stress for nearly a year. I get my partner was the one who signed up for it but he didnt know the interest was of an illegal amount also it was money taken from our joint account and I didnt sign anything stating they could take thousands from us. We were both victims of this scandal the company has going on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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 contacted TransUnion to dispute multiple recent inquiries on my credit report that I did not authorize. Instead of assisting me directly, they gave me the runaround and told me to submit a physical letter with additional information, despite already having documentation. 

I have proof that TransUnion experienced a data breach involving my personal information. Within days of that breach, while I was at work, my credit report was hit with numerous inquiries that I did not initiate. I believe these inquiries are a direct result of the compromised data. 

It is unreasonable to expect me to go through excessive steps to prove my innocence when TransUnion has the ability to track IP addresses and verify unauthorized access. Their failure to protect my data has already caused damage, and I am now being burdened with the responsibility to fix it. 

I am requesting that all negative remarks and unauthorized inquiries be removed from my credit report. This breach has long-term consequences for my financial future, and I should not be penalized for TransUnions failure to safeguard my information.

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 2025-09-19 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: GA

Complaint narrative:
TransUnion experienced a data breach in XXXX, which was first disclosed on XX/XX/year>. Ive checked my credit report and there are several errors or accounts that I dont recognize. I have filed an online dispute with TransUnion.

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 2025-09-19 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:
I am filing a formal complaint regarding multiple inaccurate and derogatory accounts being reported on my credit file. These accounts contain inconsistent, unverifiable, and misleading information, in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). 
I am enclosing the letters I sent over as well as my identification along with my proof of address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: IL

Complaint narrative:
I am filing a formal complaint regarding multiple inaccurate and derogatory accounts being reported on my credit file. These accounts contain inconsistent, unverifiable, and misleading information, in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). 
I am enclosing the letters I sent over as well as my identification along with my proof of address

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 2025-09-19 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation