vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
I had a XXXX limit and how its up to over XXXX I dont know but this is when my account got hacked. I shouldnt owe this because my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: MN

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 2025-08-18 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: MN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : Calvary SPV I , LLC XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX RE : Request for Debt Validation File No. XXXX Alleged Original Creditor : XXXX XXXX To Whom It May Concern : This letter is in response to a writ of summons I received regarding an alleged debt originally from XXXX XXXX , which is now claimed by Calvary SPV I, LLC and being pursued by XXXX XXXX . 

I dispute the validity of this alleged debt and request full debt validation as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g and 1692e.

I have reason to believe : 1. You are not the original creditor and therefore may not possess the original documentation necessary to validate this debt.

2. The debt in question has been charged off, and your right to collect or enforce it may be legally limited.

3. Your actions may be in violation of the FDCPA, including : * Misrepresentation of the character or legal status of the debt ( 1692e ( 2 ) ( A ) ) ; * Initiating legal action without first providing validation of the debt ( 1692g ( b ) ).

I request the following documentation : 1. A signed agreement between myself and XXXX XXXX showing I agreed to the terms of the alleged debt.

2. A complete itemization of the debt, including principal, interest, fees, and payments.

3. A copy of the charge-off statement from XXXX XXXX . 
4. Documentation proving Calvary SPV I, LLC 's legal ownership of the debt, including a full chain of title from the original creditor.

5. Proof that Calvary SPV I, LLC is licensed to collect debts in the state of \ [ Your State ].

6. A copy of the debt validation notice required under 1692g ( a ).

7. The date the alleged debt was incurred and a full explanation of the nature of the account.

Pursuant to 1692g ( b ), I request that all collection and legal activity cease until this information is provided. If you fail to produce the requested documents, I will consider this matter closed and may take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office.

This is not a refusal to pay but a request for validation and clarification. No portion of this letter should be construed as an admission of liability.

Please respond to this request within 30 days of receipt. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: AL

Complaint narrative:
] Ally acknowledging your concern, File Number XXXX Inbox Executive Customer Relations Auto XXXX Attachments Tue, XXXX XXXX, XXXX to me This is a secure message. 
Click here by XXXX XXXX PDT to read your message. 
After that, open the attachment.

More Info Disclaimer : This email and its content are confidential and intended solely for the use of the addressee. Please notify the sender if you have received this email in error or simply delete it.

Secured by XXXX XXXX, Copyright XXXX XXXX, XXXX All rights reserved. 

Several actions to try to request this was denied each month being that my job ended in XXXX. They will not work with me in spite me being a customer for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: KY

Complaint narrative:
I previously disputed several accounts with TransUnion ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX  ). Despite repeated disputes and my prior CFPB complaint on XX/XX/year>, TransUnion continues to respond with automated verified as accurate letters. They have not provided any of the documents I specifically requested, such as a signed contract, proof of assignment/ownership, or an itemized accounting of the balances. This shows they are relying only on automated e-OSCAR verification, not a reasonable investigation as required under FCRA 1681i. I am requesting escalation to supervisory review and either full documentary validation or deletion of these unverifiable accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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:
The entry mischaracterizes my payment practices and appears to be an error. I request a thorough review and correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Pay pal said I purchased something and I did not. If I had I would have paid for it, the item was never received or delivered to my address. When I purchased items through pay pal I received the item and paid for it. Now they still have been adding interest and increasing every month. The money amount was about XXXX dollars, now they want about XXXX XXXX something. I have been trying to come to an agreement but the refused to an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate and unlawful information being reported on my credit file regarding my auto loan with XXXX XXXX XXXX XXXX. According to my XXXX  credit report generated on XX/XX/XXXX, this account is listed as Paid, Closed as of XX/XX/XXXX. However, the report still inaccurately shows a repossession and multiple late payments, which misrepresents my payment history. 

Specifically, the following derogatory notations are reported : 30 Days Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 60 Days Late : XX/XX/XXXX, XX/XX/XXXX Repossession : XX/XX/XXXX These entries are inaccurate and misleading because the loan has been paid in full. Once an account has been satisfied and closed, furnishers and credit reporting agencies are not permitted to continue reporting inaccurate delinquency data or repossession notations. 

Legal Basis of Dispute FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Reporting repossession and late payments on a paid, closed account violates this requirement.

FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 : A furnisher of information shall not furnish information it knows or should know is inaccurate. Nissans continued reporting of derogatory marks after payoff violates this section.

FCRA 611, 15 U.S.C. 1681i : As a consumer, I have the right to dispute inaccurate information, and you are required to conduct a reasonable reinvestigation within 30 days.

Requested Action I demand that all late payment notations and repossession references tied to this Nissan account be deleted from my credit report. The account should accurately reflect : Status : Paid, Closed Payment History : Never Late Notice of Escalation If these errors are not corrected within 30 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office.

This is a formal dispute under the FCRA. Please confirm in writing that these inaccuracies have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: MI

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: IA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: IA

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 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Issue : My Capital One bank account was compromised through fraudu

lent ACH withdrawals totaling approximately {$98000.00} {$99000.00}. I immediately reported the fraud, filed an IC3 report with the FBI, and fully cooperated with Capital Ones investigation. Capital Ones investigation concluded in my favor. The bank issued permanent credits totaling {$98000.00} across three transactions. Despite this resolution, Capital One has withheld access to my restored funds for over 10 business days. Each time I contact Capital One, I am given contradictory explanations. I have been told my account is blocked due to compromise, yet instructed to use a debit card linked to the same blocked account. My case has allegedly been escalated, but I am unable to reach the assigned investigator, and no remarks are visible on my account. Why Im filing this complaint : Capital One has acknowledged the fraud, permanently credited my funds, but is unlawfully preventing me from accessing them. This is causing me financial harm, undue stress, and violates my right to timely access to funds that belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX and i am creating this complaint because there are several unauthorized accounts that are negatively reporting and harming my credit profile. There are also Names and addresses listed on my report with the 3 major credit agencies ( TRANSUNION, EXPERIAN, EQUIFAX ) that are incorrect as well. I will be listing the names and the accounts. I need help as i am exhausted. These are all false. Names to remove : XXXX XXXX update to XXXX XXXX XXXX Addresses to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Employers to remove : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCCOUNT # XXXX  DATE OPENED : XX/XX/XXXX BALANCE : {$680.00} XXXX XXXX ACCOUNT XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} XXXX  ACCOUNT XXXX  ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3000.00} & MORE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: MN

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX is furnishing inaccurate, unverifiable, and incomplete information to the consumer credit reporting agencies. I am formally disputing the account as a violation of their duty to furnish accurate information under the Fair Credit Reporting Act ( FCRA ). 
The account ( Number : XXXX ) shows a past-due balance of {$440.00}, but the last payment was over XXXX years ago ( XX/XX/XXXX ). There is a significant discrepancy between the current balance and the reported charge-off amount of {$570.00}. The payment history is also incomplete, containing numerous " XXXX XXXX '' entries, which violates the requirement for complete and accurate reporting. 
I have already attempted to resolve this directly with XXXX XXXX XXXX XXXX by sending a formal dispute and debt validation letter via certified mail on XX/XX/XXXX. They received this letter on XX/XX/XXXX. 
Despite receiving my formal notice, they have failed to correct the information. My most recent credit report, dated XX/XX/XXXX, shows they are still furnishing the exact same inaccurate data.

> I demand that XXXX XXXX XXXX XXXX immediately cease and desist all reporting of this account and delete it from all consumer credit reports due to their failure to furnish accurate, complete, and verifiable 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 explanation
Consumer complaint received 2025-08-18 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: OK

Complaint narrative:
I am submitting this letter under FCRA 605B to demand that you block and delete the following fraudulent accounts from my credit file within four ( 4 ) business days of receiving this notice and documentation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are the result of identity theft. I did not open them, authorize them, or incur any related debts.

Enclosed are the documents required by law to process my request : 1. Copy of my government-issued ID 2. Identity theft report Please confirm in writing when these accounts have been blocked and removed from my credit report and are no longer reported to any third parties. Failure to comply will result in immediate escalation to the FTC and CFPB for enforcement.

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