vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX Subject : Debt Validation Request Pursuant to the FDCPA Dear Navy Federal Credit Union , I am writing to formally request validation of the debt that your company is attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to receive full verification of this alleged debt before I take any further action.

Please provide the following documentation to validate this debt : 1. Proof of Assignment A copy of the original agreement that legally transfers this debt to your agency.

2. Original Creditor Information The name and contact details of the original creditor, including account details.

3. Complete Payment History A full breakdown of how the amount was calculated, including principal, interest, fees, and any additional charges.

4. Legal Right to Collect Documentation proving your legal authorization to collect this debt on behalf of the original creditor.

5. Signature Verification A copy of any agreement with my signature that proves I am legally obligated to pay.

6. Statute of Limitations Documentation proving the debt is within the legal timeframe for collection.

If you are unable to provide all the requested validation within 30 days, you must immediately cease collection efforts and remove this account from my credit reports as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Additionally, any further reporting of an unverified debt to the credit bureaus is a direct violation of the FCRA and FDCPA, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General if necessary.

Please consider this a formal dispute of the validity of this debt. I expect a response in writing within the legally required timeframe. Navy Federal Credit Union account number XXXX. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
The amounts the representatives states I owed {$4100.00} that was not the amount that was supposed to be left on the amount. She then tries to offer me a lower amount to {$2900.00} then to {$2500.00} pay. I was not OK with any of those amounts at the end because I knew that I had already paid on the account which she couldnt find and she then offered me another amount which she states was the lowest that she can go, I asked cause she emailed this information to me and she stated that she could not send over and emails then took my number texts me a portal link and said Ill get a email after she tried to make me do a promise to pay XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: IL

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aqua Finance, Inc.
State: IN

Complaint narrative:
I am writing to file a formal complaint against AQUA FINANCE regarding an unjustified late payment report on my account number XXXX, which was reported in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-05 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:
I am filing this complaint because Experian continues to report an account ( XXXX XXXX XXXX XXXX ) on my consumer report, despite my prior dispute. Both XXXX and XXXX have deleted this account from my credit file, yet XXXX refuses to do so. I did not authorize, give permission, or provide written consent for this account to be reported on my consumer file. Experian 's continued reporting of this unauthorized account is a direct violation of my consumer rights under the Fair Credit Reporting Act, including 15 U.S.C. 1681b, which restricts the furnishing and use of consumer reports without proper authorization. Additionally, Experian is in violation of 15 U.S.C. 1681i for failing to conduct a reasonable reinvestigation after my dispute and 15 U.S.C. 1681e ( b ) for failing to maintain the maximum possible accuracy in my consumer report. Under 15 U.S.C. 1681n and 1681o, Experian is liable for both willful and negligent noncompliance with the FCRA, entitling me to statutory damages of up to {$1000.00} for non-willful violations. This inaccurate and unauthorized reporting is harming my creditworthiness and financial standing. I demand that Experian immediately delete this account from my consumer report and take corrective action to ensure compliance with federal law.

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 2025-03-05 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: MD

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-05 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-03-05 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-03-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a XXXX XXXX  American Express gift card at work and I was able to use it at a vending machine twice for some small purchases but outside of that vending machine the card has been denied everywhere I've tried to use it. Restaurants, grocery stores and online stores all keep getting denied despite the card being " active with a balance of {$42.00} '' Found out online that people having this issue could report it here to get the amount remaining on the gift card sent out via a check by American express so here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-05 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:
According to 15 U.S. 1692. My private personal information is being reported without my written or verbal consent. I never had a contract with XXXX XXXX XXXX XXXX  and they are reporting inaccurate information without my consent and it is causing harm to me as a consumer as I am unable to make any purchases for good and service as my credit is being withheld from me due to misleading information being shared by a third party without my 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 2025-03-05 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: FL

Complaint narrative:
According to XXXX XXXX XXXX. My private personal information is being reported without my written or verbal consent. I never had a contract with XXXX XXXX XXXX XXXX and they are reporting inaccurate information without my consent and it is causing harm to me as a consumer as I am unable to make any purchases for good and service as my credit is being withheld from me due to misleading information being shared by a third party without my 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 2025-03-05 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: Block, Inc.
State: NC

Complaint narrative:
XXXX About XXXX Dollars. They closed my account for reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX Cfpb Re : BofA On XX/XX/XXXX I applied, online, to Bank of America 's transfer card advertisement, was APPROVED online, but the website kept throwing an error notice then required me to call their service number XXXX. I was forced to sit through an absurd reading by the agent of all the stuff I had already gone through online. It was about 40 minutes. When the rep informed me I was APPROVED ( again ) then announced the Bank would only cover XXXX of my XXXX transfer amt wanted I informed said clerk to IMMEDIATELY CANCEL THE CARD. 

I was never allowed to speak with a supervisor, couldnt transfer me. Blah blah blah. I told her do not send me anything to my email, just cancel. 

Bank of America IGNORED my insistence to stop this account its now messed up my credit as the account shows OPEN so I was denied credit elsewhere. BofA went ahead sent me a card with info package to my snail mail address which I REFUSED. I tried emailing these people many times over. NO RESPONSES. I called them, got the run around and then told they did cancel on XX/XX/XXXX. 

I was notified in email today, XX/XX/XXXX, my credit score was lowered by XXXX points BECAUSE IT SHOWS THIS CREDIT CARD IS OPEN AND ACTIVE!!! I'm tired of trying to fix a problem they created for me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Formal Dispute of LVNV Funding Account ( # XXXX ) under FCRA & FDCPA To Whom It May Concern, I am writing to dispute the inaccurate reporting of the LVNV Funding account ( # XXXX ) on my credit report. This account was previously removed from my XXXX report, indicating it was either inaccurate, unverifiable, or unsubstantiated. However, it continues to be reported by your bureau, in potential violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Legal Grounds for Dispute : FCRA 611 ( 15 U.S.C. 1681i ) Right to Dispute Inaccurate Information Under this law, I formally request an investigation into the accuracy, completeness, and verifiability of this account.

If LVNV Funding can not verify the legitimacy and accuracy of the account within 30 days, it must be deleted from my report.

FCRA 609 ( 15 U.S.C. 1681g ) Right to Obtain Verification I demand a full verification of this account, including : A signed contract or agreement proving my obligation to LVNV Funding.

A detailed payment history showing how this alleged debt was calculated. 
Proof that LVNV Funding has the legal authority to report this account.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of Furnishers to Provide Accurate Information If LVNV Funding is furnishing inaccurate or unverified information, it is required by law to correct or delete the account.

Continued reporting of inaccurate, outdated, or unverifiable information may result in legal action. 
FDCPA 807 ( 15 U.S.C. 1692e ) Prohibition of False or Misleading Representations If LVNV Funding can not prove the validity of this debt, continued reporting may constitute fraudulent representation, subject to penalties. 
Requested Action : Immediately remove the LVNV Funding account ( # XXXX ) from my credit report. 
Provide a written response confirming the deletion or the results of your investigation within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I received a piece of mail today stating that I owed XXXX XXXX money when I don't have an at XXXX account and I've never had a XXXX account and I want to get that taken care of because I'm not trying to have debt on my name that's not mine, I attached the notice paper and the bill from my actual energy company that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: MI

Complaint narrative:
I paid my full debt to XXXX I had a late payment once or twice but my balance was paid. Now I have a collection on report from some collections agency Vance and Huffman who never sent me any notice in the mail stating I owe {$490.00} which is NOT accurate. I want this collects removed from my credit reports. I was never given an opportunity from this collection agency to discuss this lie of a debt with them directly nor have they sent me any info with their contact information or an account number it just pops up on my credit report.

Company response to consumer: Closed with explanation