vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: MD

Complaint narrative:
Cavalry Portfolio Services , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Debt Validation XXXX Dear Sir/Madam, I am writing in reference to the outstanding debt of {$4700.00} that you claim I owe. I request that you provide me with the full verification of the debt, including the original creditor, the amount owed, and a detailed statement of the charges. Please send this information to my address listed above. 
In the interest of resolving this matter and to avoid further collection efforts, I am willing to settle the debt for a reduced amount of [ Insert Amount ] as a lump-sum payment. This offer is contingent upon the following : 1. Debt Verification : You must provide full verification of the debt, as mentioned above.

Sending copies of past statements or bills only show that there was a balance but it doesnt confirm the accuracy or legitimacy of the debt itself, nor does it verify that the debt belongs to me or that the amount is correct. Im disputing the debt, and request proper verification, more specific documentation, such as a copy of the original agreement. 
2. Settlement Agreement : Upon receiving verification of the debt, I would like a written agreement from you stating that upon payment of the agreed settlement amount, the debt will be considered fully settled and resolved, and you will report this account as " Paid in Full '' to the credit bureaus.

3. Payment Terms : Upon receipt of the requested verification, I will pay the agreed-upon

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to file an official and urgent complaint against XXXX XXXX for reporting a payment as " late '' when it was made on the XXXX day after the due date. This is a clear mistake, and I demand immediate correction to my credit report. 

I made a payment of on my account with XXXX XXXX. The payment was made within XXXX  days of the due date, yet the creditor has incorrectly reported this payment as late to the credit bureaus. This is an unjustifiable error, and I expect it to be rectified without delay. 

It is well-established that late payments should only be reported when they are XXXX  days or more overdue. Since my payment was made XXXX  days after the due date, there was no justification for it to be reported as late. This erroneous reporting is damaging my credit score, and I will not tolerate it. 

I demand that XXXX XXXX immediately corrects this mistake and removes the late payment from my credit report. Attached are supporting documents that prove I made the payment on time, including list the documents you are attaching I expect a prompt resolution to this matter. If the issue is not addressed in a timely manner, I will not hesitate to escalate this matter further and take legal action if necessary.

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: PA

Complaint narrative:
I am writing to file an official and urgent complaint against XXXX XXXX for reporting a payment as " late '' when it was made on the XXXX day after the due date. This is a clear mistake, and I demand immediate correction to my credit report. 

I made a payment of on my account with XXXX XXXX. The payment was made within XXXX  days of the due date, yet the creditor has incorrectly reported this payment as late to the credit bureaus. This is an unjustifiable error, and I expect it to be rectified without delay. 

It is well-established that late payments should only be reported when they are XXXX  days or more overdue. Since my payment was made XXXX  days after the due date, there was no justification for it to be reported as late. This erroneous reporting is damaging my credit score, and I will not tolerate it. 

I demand that XXXX XXXX immediately corrects this mistake and removes the late payment from my credit report. Attached are supporting documents that prove I made the payment on time, including list the documents you are attaching I expect a prompt resolution to this matter. If the issue is not addressed in a timely manner, I will not hesitate to escalate this matter further and take legal action if necessary.

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: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
This company is called " portfoliorecov '' on caller ID, and they call so many times a day, every day, from many different numbers with different areas codes, after I blocked the number every time, requested that it stop, and do not have any debt or bad credit history. I want it to stop.

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: 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: OH

Complaint narrative:
XXXX XXXX XXXX is showing as no current with a payment status of 60-89 days late. This account was never late. It needs to reflect current and closed.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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: NC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
XXXX has been provided proof and still reporting false collection accounts.

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: OH

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There is inaccurate information on my credit report that is completely incorrect and misleading. This error is affecting my creditworthiness and does not reflect my actual financial history or responsibility. I have reviewed my records carefully, and I can confirm without any doubt that the reported information is wrong. I did not authorize this, I am not responsible for it, and it should never have been included in my file. This kind of reporting damages not only my credit but my credibility, and I refuse to accept it staying on my record.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX is showing on my credit report as an inquiry from XX/XX/year>. I have no knowledge of this inquiry and did not allow them to run my credit.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There is inaccurate information on my credit report that is completely incorrect and misleading. This error is affecting my creditworthiness and does not reflect my actual financial history or responsibility. I have reviewed my records carefully, and I can confirm without any doubt that the reported information is wrong. I did not authorize this, I am not responsible for it, and it should never have been included in my file. This kind of reporting damages not only my credit but my credibility, and I refuse to accept it staying on my record.

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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXXXXXX Balance : {$330.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00}

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXXXXXX Balance : {$330.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00}

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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XX/XX/XXXX To : Experian, Equifax, TransUnion, and All Relevant Creditors Subject : **Formal Demand for Validation & Immediate Removal of Unverified Debts ( XXXXXXXX XXXX XXXX  ) ** Dear Credit Reporting Agencies and Creditors, Under **15 U.S. Code 1681 ( Fair Credit Reporting Act ), 15 U.S. Code 1692 ( FDCPA ), Texas Finance Code 392 ( Texas Debt Collection Act ), and 12 CFR 1026 ( Truth in Lending Act ) **, I formally dispute all inaccurate, unverified, or fraudulent entries on my credit file and demand strict procedural compliance.

**1. Legal Basis for Dispute** Per **FCRA 611 ( a ) ( 1 ) ( A ) **, you are required to conduct a **free, full reinvestigation** within **30 days** and delete unverifiable data. Under **FDCPA 809 ( b ) **, if you can not validate the debt, you must cease collection and delete it.

**2. Demand for Strict Validation ( No Generic Responses Accepted ) ** Provide **certified, wet-ink-signed copies** of the following **within 30 days** ( failure = automatic deletion per **FCRA 623 ( a ) ( 5 ) ** ) : - **Original Signed Contract** ( TILA 1026.6 must show APR, terms, my signature ).

- **Complete Payment Ledger** ( CFPB Regulation F must show exact payment history, DOFD ).

- **Chain of Title** ( SEC Rule 17a-4 prove the debt wasnt sold illegally ).

- **Licensing & Bonding** ( Texas Finance Code 392.101 prove legal right to collect in Texas ) .

- **IRS Form 1099-C** ( if debt was canceled or sold, per **26 U.S. Code 6050P** ).

**3. Specific Violations Noted** - **Debt Parking ( FTC XXXX XXXX, XXXX ) ** You can not place debts without proper notice. 
- **Fraudulent Re-Aging ( FCRA 605 ( c ) ) ** The **Date of First Delinquency ( DOFD ) ** must not be altered.

- **Defamation ( Texas Business & Commerce Code 20.05 ) ** False reporting harms my reputation.

**4. Criminal & Civil Penalties** - **18 U.S. Code 1028 ( Fraud & Identity Theft ) ** If this debt stems from identity theft, I will pursue criminal charges.

- **18 U.S. Code 241/242 ( Conspiracy Against Rights ) ** Willful non-compliance violates civil rights.

- **Texas Penal Code 32.32 ( False Credit Reporting ) ** A felony in Texas .

**5. Cease & Desist All Illegal Reporting** If you fail to **delete unverified items** within **30 days**, I will : 1. File a **CFPB Complaint ( 12 CFR 1002 ) **.

2. Sue in **Texas Small Claims Court ( up to {$20000.00} per violation, FCRA 616 ) **.

3. Report criminal fraud to the **Texas Attorney General ( Consumer Protection Division ) **.

**This is your FINAL NOTICE. ** Send confirmation of deletion to my address above. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation