vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: IN

Complaint narrative:
As of XX/XX/year> I have been unable to access the benefits my children are given ( survivor benefits ) and I've definitely submitted everything I've been asked to submit and in the exact for of which I was asked to submit them. I've been to my local social security office and I get told I'm to contact XXXX XXXX. And when I contact XXXX XXXX I'm told I need to get ahold of the social security office. Im told that neither of the XXXX communicate with each other.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-29 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: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-29 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous complaint regarding fraudulent inquiries in my credit file that I would like to be removed. I am formally requesting Experian and TransUnion Credit Bureaus to please remove the inquiries listed below. According to the law, you are required to remove the inquiries as listed in the Identity Theft Report. Kindly review the specified inquiries that I have provided for removal : 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

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 2025-07-29 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: CA

Complaint narrative:
I am insisting on the prompt deletion of the disputed item and immediate escalation of this matter to an Experian compliance supervisor. Failure to resolve this swiftly will result in a formal complaint to the XXXX of the XXXX XXXX ( XXXX ) and a request for intervention from congressional authorities. 
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 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Nala Payments LLC
State: TX

Complaint narrative:
On Saturday XX/XX/XXXX at XXXX i sent {$99.00} to XXXX XXXX. After sending the remittance it wasn't delivered. Right away i contacted the company Nala to resolve the issue. They kept promising me they will work on revolving the issue and deliver the funds but they kept holding the funds with out delivering it. Continued to be patient waiting several mins hours days yet nothing from the company regarding where my money went and why its was not beign delivered. They recipient needed the money urgently and I made that clear to them. This is not the first time this has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 non-monetary relief
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-29 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: GA

Complaint narrative:
I am contacting you to dispute several credit inquiries on my report that I did not authorize. These inquiries were not made by me, and I am requesting that they be removed immediately. Maintaining an accurate credit report is extremely important to me, and these inquiries are both inaccurate and unauthorized. 

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not apply for credit with any of the above institutions on these dates. These inquiries were not initiated or approved by me in any way, and they represent fraudulent or unauthorized activity on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate and unauthorized information. I am requesting a thorough investigation and the immediate removal of these inquiries from my credit file. Please provide written confirmation once the inquiries have been removed or corrected. 

If you need additional documentation or identification to verify my request, please notify me promptly so I can provide the necessary information to expedite this process. 

Thank you for your attention to this matter. I appreciate your prompt action in ensuring my credit report accurately reflects only authorized activity.

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Westlake Portfolio Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT # XXXX {$1400.00} To Whom It May Concern, This is a formal notice of dispute and a demand for full legal validation of the account referenced above. I, XXXX XXXX, do not acknowledge or accept liability for this alleged debt. You are instructed to cease all collection activity and credit reporting until every item listed below is fully produced and verified. 

Per my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, and the Uniform Commercial Code ( UCC ) 1-308 and 3-501, I am demanding the following for proper validation : A copy of the original signed contract containing my wet-ink signature A binding agreement proving a legal obligation to repay this alleged debt A complete account ledger or flow sheet showing every charge, fee, interest, and payment applied The full chain of assignment, showing the legal transfer of this debt from the original creditor to your company Documentation showing this account is not past the Illinois statute of limitations, including the date of last activity Proof that you are licensed and authorized to collect debts in the state of Illinois, including your license number The name, department, and verification method of the individual who confirmed this account with any credit bureau A notarized affidavit stating a manual investigation was conducted and that e-OSCAR was not used, in accordance with FCRA 611 Let it be known : a basic billing statement or payoff notice is not sufficient legal validation. If you fail to provide all of the above within 15 calendar days, you must : Immediately delete this account from all credit bureaus ( XXXX XXXX XXXX  ) Permanently cease all collection attempts Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney General, and I will pursue all available civil remedies under FCRA, FDCPA, and UCC law.

All rights reserved under UCC 1-308, without prejudice. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CT

Complaint narrative:
Company Complaining About : Cavalry SPV I , LLC Narrative : I am writing to report what I believe is a widespread pattern of unlawful and abusive debt collection activity by the debt buyer Cavalry SPV I , LLC. 
As a primary example, Cavalry SPV I , LLC filed a lawsuit against me in XXXX  Superior Court ( Docket # XXXX ) an alleged debt of approximately {$9200.00}. To the best of my knowledge, Cavalry has not provided legally sufficient validation of this debt or clear proof of their legal right to collect on this specific account. 
My situation appears to be part of a much larger, systemic issue. A review of public records suggests that Cavalry SPV I , LLC has filed thousands of similar lawsuits against consumers in Connecticut and across the country. Their business model seems to rely on suing consumers en masse, often without possessing the proper documentation required to prove their claim in court. 
This practice of " sue first, validate later ( or never ) '' appears to be a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) under the Consumer Financial Protection Act. This tactic harms consumers by clogging the courts with unsubstantiated cases, damaging credit reports, and coercing payments from individuals who are either unable to afford legal representation or are intimidated into default judgments. 
I urge the CFPB to open an investigation into the systemic litigation and validation practices of Cavalry SPV I , LLC to protect countless other consumers from these predatory and potentially unlawful tactics. I am seeking non-monetary relief in the form of a federal investigation and enforcement action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
Subject : Dispute of Inaccurate Information -Account Number : XXXX Dear To whom it XXXX concern, This letter disputes inaccurate information on a credit report. The following inaccurate items have been identified, which should be deleted under the Fair Credit Reporting Act ( FCRA ), specifically referencing * * XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) * * and * * XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) * *. 


* * Details of the disputed item ( XXXX ) and the reasons for the dispute are as follows : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account Number : XXXX XXXX XXXX  Reason for Dispute : * * The last date active is showing XXXX very different dates on all accounts being XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The account type show different statuses being open and in collection on the accounts. 
The comments on the accounts state various statuses and comments. 
The date opened displays XXXX different opening dates being XX/XX/XXXX and XX/XX/XXXX. 
The payment status shows collection, charged off, and being late XXXX  days for the accounts. 
The names of the account differ with XXXX  and XXXX XXXX XXXX. 




* * As required by the FCRA, it is requested that you : * * XXXX. XXXX a reasonable reinvestigation of the disputed information within XXXX  days of receiving this notice. 
XXXX. Promptly delete from the credit report. 
XXXX. Send a written notification of the investigation results and a free copy of the updated credit report after any changes are made. 



Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Spring Oaks Capital , LLC XXXX. XXXX XXXX XXXX, VA XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT XXXX XXXXXXXX {$1200.00} To Whom It XXXX Concern, This letter serves as a formal dispute and demand for full legal validation of the alleged account you are attempting to collect, referenced above. I, XXXX XXXX XXXX, do not acknowledge or accept this debt as valid. Effective immediately, you are directed to cease all collection activity and credit reporting pending full and complete validation under the law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, and Uniform Commercial Code ( XXXX ) XXXX and XXXX, I hereby exercise my rights and demand the following : A copy of the original signed contract that created the alleged debt, bearing my wet-ink signature. 
A binding agreement outlining all terms and establishing my obligation to pay the specific amount claimed. 
A complete flow sheet or account ledger, including all charges, payments, interest, fees, and balance activity. 
Proof of assignment or ownership, including the full chain of title from the original creditor to Spring Oaks Capital , LLC. 
Documentation verifying this debt is not time-barred, including the date of last payment or activity and how it falls within Illinois statute XXXX limitations. 
Proof that your company is licensed and bonded to collect debts in the XXXX of Illinois, including your license number and regulatory authority. 
The name, title, and direct contact information of the individual who verified this account with any credit bureau. 
A notarized affidavit confirming that XXXX or any automated dispute response system was not used, and that proper investigation under FCRA XXXX was conducted. 
Let me make this absolutely clear : a bill, statement, or system-generated summary is NOT legal validation. If you can not provide the above documentation within XXXX calendar days, you must : Immediately remove this account from all consumer credit reports ( XXXX XXXX XXXX XXXX  ) Cease and desist all collection activity Failure to comply will result in : Complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office Legal action to pursue statutory damages for each violation of FDCPA, FCRA, and XXXX This is your final notice. I reserve all rights under XXXX XXXX, without prejudice. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I was a victim of id theft and it was proven to be true, yet old and incorrect information incorrect to resurface in my credit retort, doing my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was a victim of id theft and it was proven to be true, yet old and incorrect information incorrect to resurface in my credit retort, doing my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
I am insisting on the prompt deletion of the disputed items and immediate escalation of this matter to an Equifax compliance supervisor. Failure to resolve this swiftly will result in a formal complaint to the XXXX of the XXXX XXXX ( XXXX ) and a request for intervention from congressional authorities. 
XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: AZ

Complaint narrative:
Equifax Information Service LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Unauthorized Fraudulent Inquiries To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within XXXX  days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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