vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
I have been attempting to explain Cavalry Portfolio whom is the debt collector that purchased my XXXX debt about my current financial hardship. They seem to not even consider my situation, and decide to make it the entire focal point of our conversation the fact that, and I quote : " Your account is eligible for a referral to our legal team '' and proceed to emphasize that " A lawsuit will be filed seeking the balance in full '' Which frankly is fine go ahead and sue me I don't have anything for you to take. I'm trying to get back on my feet after I being XXXX XXXX XXXX XXXX  XXXX in XXXX  XXXX. After undergoing XXXX XXXXXXXX and XXXX XXXX  in XXXX I finally am OK to try and pick up the financial pieces of my life and try to put them back together. I am not able to XXXX XXXX XXXX XXXX XXXX due to my XXXX XXXX XXXX XXXX, but my current condition allows me to XXXX  as a XXXX XXXX and so with that little income I can survive. Along with the support of my family as well. I feel like my situation falls on deaf ears and all this company cares about is extracting the maximum amount of funds from me, and attempts to do so by intimidating me with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: VA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a request to XXXX  via certified mail on XXXX/XXXX/2025 disputing inaccurate credit report entries under the FCRA and asking if the data is verified to provide what steps were taken in the investigation along with the evidence used to verify the information. XXXX  failed to provide either. I also asked that the inaccurate information be removed from my credit report should they fail to verify that the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK
State: AL

Complaint narrative:
MIDFIRST BANK, via their servicing company, XXXX XXXX, falsely certified a financial loss to justify the foreclosure and sale of my home on XX/XX/year>. They elected to use the installment sales method of accounting, which according to IRS, does not permit a loss. They knowingly certified false documents to the XXXX XXXX XXXX XXXX for possession of the home, although they suffered no financial loss. Contrarily, they received a XXXX XXXX profit according to guidelines established by the IRS. Additionally, my escrow account was not properly credited with all funds that were due and owing to me, which subsequently caused my children to suffer disposition of their primary residence. They further unlawfully converted my property title and deferred taxes to my income that were inconsistent with the proper tax treatment. They committed fraud, waste, and abuse of federal funds that were guaranteed by the Department of Housing and Urban Development, committed fraud upon the court and abused the court process, in addition to their tax evasion schemes that abused me as a taxpayer and used me as a tax shelter. All acts were with willful intent and knowledge, although I provided them a county recorded Revocation of Power of Attorney.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

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 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 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: RI

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

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 2025-04-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-04-15 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Inaccurate and unfair credit reporting following a XXXX XXXX and miscommunication by Truist representatives. 

Complaint : In early XXXX, my XXXX XXXX XXXX. I immediately notified Truist, who informed me that I would not be required to make loan payments while my insurance and GAP coverage were being processed. I spoke with multiple representatives at Truist, all of whom confirmed this pause in payment responsibility. 

It's very important to note that Truist Bank forwarded all of my calls to individuals who clearly didn't live in the United States nor spoke XXXX as their native language and there were significant communication breakdowns due to this. Additionally, individuals not living in the US may not understand our credit system and can not adequately provide guidance to American  consumers. 

This stated, without warning, the account was reported as delinquent. I was never notified by Truist that the loan had gone into delinquency. I only found out after my credit score dropped dramatically from XXXX to XXXX. As soon as I became aware of this, I paid the full remaining balance of approximately {$1800.00} that same day. 

Truist refused to make any correction or remove the delinquency. Instead, I was told to dispute it with XXXX. After doing so, XXXX  responded that the account was updated but sided with Truist, and the negative mark remains. 

This damage to my credit occurred because I relied in good faith on incorrect information from Truist employees. I was the victim of a theft, responded responsibly, and resolved the balance immediately once notified yet my credit was severely impacted. 

Lastly, Truist has now prevented me from accessing the paid off account for any documents associated with my account. I can't even find the account of my Truist portal anymore. Therefore, I can not review the loan agreement terms to ensure they aren't altered. I also can not view any of the payment history.

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 2025-04-15 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: TX

Complaint narrative:
Transunion Credit Reporting Agency are reporting accounts tied to debts that have either been settled by a Bill of Exchange, derecognized through accounting standards, or charged off by the creditor. When I disputed these items, each bureau failed to provide verification or documentation as required under 15 U.S.C. 1681i and 1681i ( a ) ( 7 ). They have refused to explain how they determined the debts were valid and remain on my report, despite my formal notice and documentary evidence. This constitutes a willful violation of the Fair Credit Reporting Act. I request that CFPB hold each bureau accountable for their failure to comply with federal law, require removal of unverifiable tradelines, and conduct oversight into their dispute resolution systems.

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 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: VA

Complaint narrative:
OnXX/XX/XXXX I traded in my XXXX XXXX XXXX for a XXXX XXXX XXXX at XXXX XXXX XXXX in Virginia. It has been 4 months and they still havent paid off the previous car loan I owed. I now have two car loans open and it has damaged my credit score because they do not want to pay off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: OH

Complaint narrative:
I am submitting this complaint regarding Hunter Warfield. I have provided them with written documentation from my previous rental management company showing that I do not owe the debt they are attempting to collect. This includes payment receipts that match the balance my rental company confirmed I needed to pay to be in good standing at the time of my move-out. 

Despite this, Hunter Warfield has not addressed or refuted the evidence I sent in my most recent mailing to them. 

Additionally, I have formally requestedvia mailthat all communication be conducted in writing only, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). They have my current mailing address on file. However, they continue to contact me by phone in violation of my request. 

I am requesting that this company : Stop all phone communications immediately. 

Properly and sufficiently validate or cease collection efforts on this disputed debt. 

Respond to the documentation I have already provided. 

FOR XXXX  MONTHS I LIVED AT XXXX XXXX I NEVER ONCE MISSED A PAYMENT NOR HAD A PROBLEM PAYING WHAT I OWED. OVER {$70000.00} I GAVE XXXX XXXX  IN THE YEARS I LIVED THERE WITH NO PROBLEM AND ALL XXXX BREAKS LOOSE ON THE MONTH I TRY TO MOVE OUT. I TRIED TO RECTIFY AND AM LEFT IGNORED AND SENT TO COLLECTIONS. I WANT THIS TO END.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: VA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Service of Nevada
State: NV

Complaint narrative:
The account was part of my XXXX XXXX and is not removed ; still showing that I owe them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MD

Complaint narrative:
DEPARTMENT OF EDUCATION SOLD THIS ALLEGED DEBT TO XXXX XXXX XXXX AND TO OTHER CREDIT REPORTING AGENCIES VIOLATING THE FCRA 15 USC 1681a and FCRA 15 USC 1681n willful Non compliance AND the PRIVACY ACT 5 USC 552a

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 2025-04-15 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: MD

Complaint narrative:
DEPARTMENT OF EDUCATION SOLD THIS ALLEGED DEBT TO XXXX XXXX XXXX AND TO OTHER CREDIT REPORTING AGENCIES VIOLATING THE FCRA 15 USC 1681a and FCRA 15 USC 1681n willful Non compliance AND the PRIVACY ACT 5 USC 552a

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 2025-04-15 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: MD

Complaint narrative:
DEPARTMENT OF EDUCATION SOLD THIS ALLEGED DEBT TO XXXX XXXX XXXX AND TO OTHER CREDIT REPORTING AGENCIES VIOLATING THE FCRA XXXX USC XXXXa and FCRA XXXX USC XXXXn willful Non compliance AND the PRIVACY ACT XXXX USC XXXXa

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : 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 Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I lost my job in XX/XX/XXXX. I called to attempt to get a 3 month deferral. I was offered only a 30 day deferral. I told them that would not help me but I tried to make the {$130.00} payment to proceed with the 30 day deferment. The payment did not go through, as my bank account ended up closing. I had no money. I asked the loan service repeatedly for a 3 month extension and was denied. I did not gain employment until XXXX of XXXX. I immediately tried to get on a payment plan to get caught up and was denied. They said the only option was to pay my entire balance which was over {$1400.00} by that time. I attempted to start making my payments again on XX/XX/XXXX, but got repeated harassing phone calls, at least 3 per day with threats to repossess my car. I have explained that had they allowed me the initial 3 month extension I requested, I would have been able to stay on track and there is nothing I can do now other than just make my payments as usual going forward. I started receiving late fees for several months along with phone harassment and I am under the impression that I will never get caught up and they will not help me to do so. I am making half of what I was making at my previous job, and it is very hard for me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting has violated my rights.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.

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 2025-04-15 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX XXXX I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief