vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: GA

Complaint narrative:
I had a loan with XXXX XXXX online payday loan in the amount of {$850.00}. I paid several payments, but I was laid off from my job, plus I had XXXX that also kept me out of wor, k as well as recovering, and I worked in the XXXX XXXX XXXX, so I could pay the loan. I didn't know I was going to be laid off. I had informed the company about my matter, they sent my account to a collection agency named XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MO

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had 3 credit cards I paid them off and asked the credit agency to not issue a new card and the creditors said that they would notify the bureau that they account was paid but I checked on the bureau and the creditor reported the account as delinquent instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-15 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I am writing to formally dispute the validity of the above-referenced account that you are attempting to collect or report. According to the Fair Credit Reporting Act ( FCRA ) and federal case law, any entity that furnishes information to a credit bureau or attempts to collect a debt must have clear, documented legal authority to do so. 



You are hereby requested to provide the following within 30 days : 1. A complete chain of assignment from the original creditor to your company.

2. Proof of ownership or legal right to collect on this debt.

3. All contracts, bills of sale, or transfer agreements proving the assignment of this account to you.

Under 15 U.S.C. 1681s-2 ( a ), you are prohibited from reporting inaccurate or unverifiable information to any credit bureau . Furthermore, if you continue to report or collect on a debt without legal assignment, you are in direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a thorough and reasonable investigation upon receiving notice of a dispute. 



This requirement is supported by federal case law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Credit furnishers must investigate and verify all disputed information, especially legal ownership. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Emphasizes the importance of fully investigating disputed accounts. 

XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Courts have ruled that lack of valid assignment documentation renders a debt inaccurate for reporting purposes. 



If you are unable to produce these documents, I demand that you : Cease all collection efforts, Delete any tradeline you have furnished to credit bureaus, and Confirm in writing that you have closed the account. 



Please be advised that failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

This letter serves as both a formal dispute and a request for validation of debt under the FCRA and FDCPA ( 15 U.S.C. 1692g ).

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 2025-05-15 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: NRA Group, LLC
State: IA

Complaint narrative:
I am writing to formally dispute the validity of the above-referenced account that you are attempting to collect or report. According to the Fair Credit Reporting Act ( FCRA ) and federal case law, any entity that furnishes information to a credit bureau or attempts to collect a debt must have clear, documented legal authority to do so. 



You are hereby requested to provide the following within 30 days : 1. A complete chain of assignment from the original creditor to your company.

2. Proof of ownership or legal right to collect on this debt.

3. All contracts, bills of sale, or transfer agreements proving the assignment of this account to you.

Under 15 U.S.C. 1681s-2 ( a ), you are prohibited from reporting inaccurate or unverifiable information to any credit bureau . Furthermore, if you continue to report or collect on a debt without legal assignment, you are in direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a thorough and reasonable investigation upon receiving notice of a dispute. 



This requirement is supported by federal case law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) XXXX XXXX must investigate and verify all disputed information, especially legal ownership. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Emphasizes the importance of fully investigating disputed accounts. 

XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) Courts have ruled that lack of valid assignment documentation renders a debt inaccurate for reporting purposes. 



If you are unable to produce these documents, I demand that you : Cease all collection efforts, Delete any tradeline you have furnished to credit bureaus, and Confirm in writing that you have closed the account. 



Please be advised that failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

This letter serves as both a formal dispute and a request for validation of debt under the FCRA and FDCPA ( 15 U.S.C. 1692g ).

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 2025-05-15 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 non-monetary relief
Consumer complaint received 2025-05-15 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of Incorrect 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 XXXXXX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Financial is reporting account # XXXX as a charged-off account with a remaining balance of {$26000.00}. This account was closed and written off, yet they continue to report it as collectible. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), this is inaccurate and misleading. 

Additionally, under IRS XXXX XXXX, any cancellation of debt over {$600.00} must result in the issuance of a Form 1099-C. I have confirmed through my IRS Wage and Income Transcript that no such form was ever issued. Ally is knowingly withholding required tax documentation while continuing to harm my credit.

I request immediate removal of this account from my credit report, correction of tax filings, and enforcement actions by the CFPB for FCRA and IRS violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Klarna AB
State: SC

Complaint narrative:
Recently I have started having issues with Klarna 's app for puchases. It charges you upfront a fee of 25 % down of the purchase amount and Ive had klarna for some years now with no issues and now all of a sudden it doubles the payment down at random and it says because of the amount used that I have to now pay the updated amount. I have noticed this is happening more often when I use my Klarna app for purchases. They will say you have used a certain amount, but I remember when I have had it down to XXXX balance it just started doing it randomly and then now more often no matter if Im all paid up or not. I am not sure why this trick is in the system, but its unfair to the consumers. They say its system generated, but its crazy when even if the amount is at minimum it does this. For instance, I tried a purchase for XXXX the normal down payment was supposed to be {$48.00} and then they requested XXXX up front with the remainder broken down in XXXX weeks. This is just a way to get more money up front than the original terms and agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NM

Complaint narrative:
Subject : Final Notice of Willful FCRA Violations Demand for Immediate Deletion of XXXX Account # XXXX To Whom It May Concern : Your ongoing refusal to delete XXXX XXXX XXXX Account # XXXX paid-in-full account close amounts to willful violations of the Fair Credit Reporting Act ( FCRA ) and deceptive practices under XXXX  XXXX to correct your records before I proceed with litigation. 
1. Inaccurate Reporting of Account Status This account was fully satisfied and legally closed in XX/XX/XXXX when : - XXXX  XXXX XXXX  covered the primary balance after a total-loss claim. 
- XXXX XXXX XXXX settled the remaining deficiency. 
Reporting it now as 'active ' or 'derogatory ' violates FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), which requires reasonable reinvestigations of disputed items.

2. Failure to Adequately Investigate Disputes ( FCRA 611 ( a ) ) Since XX/XX/XXXX, Equifax has ignored eight disputes, including : - XX/XX/XXXX : I submitted proof of payment and closure. 
- XX/XX/XXXX : XXXX furnished false verification of the debt ; Equifax failed to address the conflict. 
- XX/XX/XXXX : My final dispute was rejected with generic responses. 
Legal precedent holds that credit bureaus must evaluate all evidence and may not simply accept a furnisher documentation exists ( see XXXX v. XXXX & XXXX, XXXX Cir. XXXX ; TransUnion XXXX XXXX, XXXX XXXX. XXXX XXXX. Re-Aging & False Timelines ( FCRA 623 ( a ) ( 5 ) ) XXXX is reporting a 'last payment date ' after XXXX, artificially extending the reporting period. This practice : - Violates FCRA 605 ( c ), which prohibits re-aging debts. 
- Constitutes a deceptive act under XXXX XXXX ( D ), allowing treble damages under XXXX. 
4. Concealing Verification Methods ( FCRA 611 ( a ) ( 7 ) ) Equifax has refused to disclose : - Contact information for XXXX  certifying representative. 
- The documents used to verify the account. 
- The methodology of your investigation. 
XXXX XXXX XXXX ( XXXX Cir. XXXX ) requires disclosure of verification procedures upon request. 
Final Demands Within 15 days of your receipt of this letter ( no later than XX/XX/XXXX ), Equifax must : 1. Delete XXXX Account # XXXX from all credit files. 
2. Provide written confirmation of deletion, including : - Name and contact of BMWs certifier. 
- All documents XXXX provided. 
- Equifaxs internal investigation notes. 
3. Cease any further reporting of this account. 
Consequences of Noncompliance If you fail to comply by XX/XX/XXXX, I will pursue : - A federal lawsuit under FCRA 616 for {$3800.00} per willful violation, plus punitive and injunctive relief. 
- State claims for treble damages under XXXX XXXX for deceptive practices. 
- Regulatory complaints with the CFPB, FTC, and New Mexico Attorney General. 
This demand is final and non-negotiable. Take immediate action to avoid liability. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report an unverified and inaccurate collection account submitted by XXXX XXXX XXXX XXXX related to XXXX XXXXXXXX XXXX. 
I sent a certified dispute and debt validation request to XXXX XXXX on XX/XX/XXXX, which was received on XX/XX/XXXX ( XXXX Tracking # XXXX ). XXXX XXXX failed to provide validation and instead issued a fraud packet that falsely framed the dispute as an identity theft issue, which I never claimed. 
Despite this, TransUnion continues to report this account. I also filed a dispute directly with TransUnion, but they did not remove the account, and no documentation was provided confirming that a valid investigation or verification occurred. 
This violates FCRA 1681i ( a ) ( failure to reinvestigate disputed data ) and FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ). 
I have also filed related complaints with the Florida and North Carolina Attorney General offices and previously submitted CFPB complaint # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I tried out a company only for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I signed up for the free trial, then cancelled the service. In order to use the service and the free trial, the company requires you to connect a payment method for your account to be drafted for not cancelling within the free trial period. I connected my PayPal account. However, I did cancel before XXXX days and did not fully use the service after trying it out with less than XXXX photos. A few weeks later, the company XXXX XXXX XXXX XXXX attempted to automatically debit my account for the monthly fee and was unsuccessful. I contacted the company via email to complain about this issue, and they never responded to me. The company continued to attempt to automatically debit my account and it failed. I filed a dispute/complaint with PayPal providing documentation to support by complaint. PayPal disregarded my complaint then tried themselves to auto debit the {$79.00} fee from my debit card. Paypal was unsuccessful, and then took the next step of deducting the {$79.00} fee from my Paypal debit card leaving my PayPal account in the negative.

Company response to consumer: Closed with monetary relief