vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AZ XXXX RE : Debt Validation Request Account # XXXX To Whom It May Concern, This letter is a formal request for debt validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, concerning the alleged debt referenced above. 



On XX/XX/year>, I previously requested that you provide verification and substantiation of this alleged debt. To date, I have not received any response. As required by law, you must cease all collection activities until proper validation is furnished. 



Specifically, please provide the following : A copy of the original signed contract between myself and the original creditor, showing that I have a legal obligation to the debt. 
A full chain of assignment or bill of sale, with documentation proving that XXXX XXXX XXXX has the legal right to collect this debt. 
Evidence that I gave consent for the original creditor to share my personal, financial, and account information with your agency. 
Proof of my consent to disclose or transfer this information to any third parties going forward, in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). 




Until all of the above has been provided, I am demanding that XXXX XXXX XXXX cease and desist from all forms of communication, including calls, letters, emails, or reporting to any credit bureau, in accordance with 15 U.S.C. 1692c ( c ).

Please be advised that failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

This is not an acknowledgment of any debt and should not be construed as such. 



Sincerely, XXXX ( Last XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Account CREDENCE RESOURCE MANA # XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action. 

15 U.S.C 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt The debt collector must cease all communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: MI

Complaint narrative:
Im unable to see my credit report. Im unable to order my credit report from Experian had a data breach with Equifax unable to do anything. They said it passed the deadline for them to do anything and I was never notified about anything. The wrong addresses and name is spelt wrong on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: PR

Complaint narrative:
Hi, I recently noticed an account that has wrong information and a few discrepancies. Im requesting an investigation for this account. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: PR

Complaint narrative:
Hi, I recently noticed an account that has wrong information and a few discrepancies. Im requesting an investigation for this account. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: Experian Information Solutions 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 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 2025-05-10 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: LA

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 word document. 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 explanation
Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that is currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute information that I believe to be incorrect or incomplete. It is your responsibility to conduct a reasonable investigation to determine if this information is accurate and correct or remove any information that can not be verified. 
Disputed Account Information : * Creditor/Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  I am seeing conflicting information on my other credit reports This information is negatively affecting my credit report, and as per 15 U.S.C. 1681i ( a ) ( 1 ), you are required to conduct a full reinvestigation within 30 days and correct or delete any inaccurate or unverifiable information.

Action Requested : * Please conduct a reinvestigation of the account information listed above.

* If the information can not be verified as accurate, it must be corrected or removed from my creditreport.

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 2025-05-10 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: TX

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent.

Your continued reporting of them is reckless and potentially unlawful.

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXX New Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Late Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$850.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$33000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX Late CLosed Collection XXXX XXXX * * * * {$960.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX {$2800.00} Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Honor around the beginning of XXXX I applied for a new house because of her our home was ruined by hurricane XXXX. The deal was we gave him {$3000.00} to move in and the other XXXX within three months it was {$3900.00} total security deposit and {$150.00} application fee Plus a XXXX dollar filing processing fee. The only thing with that is about a week later after I signed the lease and ready to move in two days before I move in, he texted me and says the landlord says oh XXXX Im sorry you cant move in. I didnt realize my mother had already rented the place to someone else so Im sorry, but the place is no longer available to you. The lease is now void. I said OK well when can I expect my {$3000.00} and XXXX XXXX back because first of all you shouldnt of charged me another XXXX because my XXXX XXXX daughter is incompetent and has been been deemed incompetent by the state of Florida throughout the courts so you did that without even consulting with Me Second of all I need my refund within the next three days after that hes the landlord stop answering the calls he works for I guess his company called XXXX XXXXXXXX XXXX He stop answering my calls and blocked me so I called my bank. I disputed the XXXX and at the same time I disputed the {$310.00} application fees because if he didnt rent it to me and couldnt rent it to me why would you charge me an application fee my bank did refund the {$3000.00} but they denied the claim for the XXXX application fee. Why would I get an application fee with somewhere? I cant move into that. The whole contract was void. Im getting ready to upload all that information now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am writing to formally dispute a debt listed by XXXX XXXX in the amount of {$1800.00}, which has now been reported to a collections agency. This debt is negatively impacting my ability to secure housing and is being pursued without any proper documentation or verification of the alleged damages or charges. 

I moved out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA on XX/XX/year>, after providing notice. Prior to that, I was on a lease for a different XXXX XXXX XXXX XXXX XXXX from which my name was removed before any damage occurred. I should not be held responsible for any damages from that prior unit. 

Regarding XXXX XXXX, there was no damage to the property upon move-out, and I was never presented with : Move-out inspection photos, Itemized invoices, Maintenance work orders, Or any proof to justify charges like {$220.00} for XXXX XXXX XXXX and {$350.00} for XXXX XXXX XXXX XXXX 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request full verification of any debt that is reported or collected against me. I am formally requesting documentation to substantiate the charges listed, or this debt should be removed from my credit report and collection attempts ceased. 

I will not be paying this balance unless proper evidence is provided. I respectfully request that you investigate this matter promptly and respond with the required documentation. 

Please confirm receipt of this letter and inform me of the steps being taken to resolve this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-05-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Recently resolved some issues in my Experian report and lodged a dispute with the company. Neither result in a more favorable rating. Actually worsen my rating further. Most painful is the lack of thoroughness in verifying the issues ; rather, the company claims to validate by rushing the process. Responded with claims stating that I falsely accuse XXXX XXXX of identity theft in an attempt to evade originality. Such claims are opinionated which bothers me rather than factual. Reacting this way because my lawyers have decided they're done after giving me an ultimatum claiming if needed they'll bring action against the company should their revisions not assist in a full-fledged investigation.

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 2025-05-10 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: EQUIFAX, INC.
State: KY

Complaint narrative:
XX/XX/XXXX- XXXX XX/XX/XXXX I have over XXXX inquiries on my report that i am unaware of. I have added fraud protection and a temporary freeze to my credit report to stop this from happening. i would like these hard inquiries and soft inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XX/XX/XXXX- XXXX XX/XX/XXXX I have over XXXX inquiries on my report that i am unaware of. I have added fraud protection and a temporary freeze to my credit report to stop this from happening. i would like these hard inquiries and soft inquiries removed.

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 2025-05-10 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: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
XXXX XXXX is suing me for a debt that is over 7yrs old the amount is incorrect and i did not enter into this agreement with XXXX XXXX for this dept

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against SECURITYCRED for their continued failure to address this matter appropriately. 

Account in Question : Creditor : SECURITYCRED Account Number XXXX XXXX XXXX XXXX  Balance : {$2800.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with SECURITYCRED, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Global Check Recovery, INC
State: NC

Complaint narrative:
I received a phone call on XX/XX/XXXX and mother received the same thing stating there were gon na arrest me and take me to jail or sue me if I didnt pay the loan mind you its a XXXX old loan and the loan wasnt on my credit report! I made the first down payment and made bi weekly payments! I lost my job and tried to set up lower amount of payment and they stated they couldnt! I made every effort to receive receipts and emails! Nothing not even a letter in the mail

Company response to consumer: Untimely response
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I recently pulled up my XXXX  and my XXXX credit report and your company is attempting to collect a debt. 

Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( 3 ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy.

If such notice from theconsumeris made by mail, notification shall be complete upon receipt.

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more.

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below.

Im giving your company 10 days to respond to this matter. Failure to respond to this matter will result in legal actions pursued against your company. 

I demand that the following account be validated or DELETED immediately : Account Name : Southwest Credit Systems LP Original Creditor XXXX XXXX Account Number : XXXX Furthermore, you also reported inconsistent and inaccurate information in my consumer report. 

Once again, I, XXXX XXXX is giving your company, 10 days to respond to this matter. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief