vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
I received a Notice of Intent to Sue from XXXX XXXX XXXX on XX/XX/year>, regarding a XXXXXXXX XXXX account allegedly sold to XXXX XXXX XXXX. This was my first notice of this debt, and it was not on my credit reports. 

I dispute the debt in its entirety. They have failed to provide proper validation, including the original contract, account history, and chain of assignment as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite my dispute, they continue to threaten legal action without providing validation, in violation of my rights. 

Additionally, the original XXXXXXXX XXXX agreement includes a binding arbitration clause that covers all assignees, collectors, and third parties. I have formally notified them that I intend to invoke my right to arbitration if they file suit. Ignoring this clause would violate federal law and the agreement terms. 

I request that Spring Oaks Capital Provide full debt validation, including the complete chain of title, Purchase Agreements/FFA Cease all collection activities until proper validation is provided. 
Honor the binding arbitration clause if they attempt legal action. 
Remove or correct any negative credit reporting related to this account. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Since XX/XX/XXXX PENFED Credit Union has been harassing me and trying to close my account down. Freezing my debit card and alleging fraud and violation of my Membership Agreement Which is EGREGIOUSLY FALSE!!! Ive asked them numerous times to justify these allegations and show proof they HAVE NOT! They shut my XXXX down and said I was able to use it but I never was. Ive never received PROOF of anything that this bank alleged I did the reason they are shutting down everything relating to my account. My paycheck comes DIRECT DEPOSIT to this account. PENDFED FROZE my debit card for no valid reason except for discrimination after they bullied me the Send a copy of my drivers license just XX/XX/XXXX of this year. Then had me do XXXX to verify my identity. Which I did once that happened, Not too long after I received this letter advising my Membership Agreement has been Revoked!! And that I Can no longer use my card. I called and spoke with a PENFED representative and was advised I need to SHUT down my account and they would send me a refund via check for whats owed in my account. WHY? Why? Why am I getting treated this way? This is Blatant Racism!!! As Ive done Nothing wrong and if I have Ive been begging for help and PROOF to see what I did to correct it but never!! This is my final attempt before I retain a lawyer for suit.

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 2025-05-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
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 non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX to tell them I was transferring my business to XXXX  as I was moving to XXXX XXXX XXXX told me my total amount owed was XXXX. I thought that was high so I asked if that was for everything and they said yes. I asked if anything else would be due and they said no- unless I used the phones again. I paid and immediately went into The XXXX store and transferred my phones to them. Today XX/XX/XXXX, I looked at my credit report and saw an adverse listing. I went into it and saw {$170.00} from a collection agency Id never heard of or from. Opening it up, it was regarding XXXX XXXX. I contacted XXXX XXXX ( they were unhelpful and said they couldnt do anything about it. That I probably used the phones after paying the final amount, and I should have known there would be more owed even if the person I talked to told me I wouldnt owe anymore. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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 filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : 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 2025-05-03 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: GA

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : 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 2025-05-03 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: ND

Complaint narrative:
XXXX usc XXXX n ( a ) I have suffered because of the violation of 16 UNAUTHORIZED HARD INQUIRIES ON MY CREDIT REPORT.i want them deleted in 4 DAYS.according to fcra XXXX ( a ) ( 1 ) ( b ) [ XXXX usc XXXX n ] hard inquires must be deleted because they were unauthorized by me. The credit burough can be fined up to {$1000.00} dollers /per incident.please delete asap or I will be forced to pursue this issue further in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
The behavior exhibited by the reporting company is in direct violation of the Fair Credit Reporting Act ( FCRA ), under which all consumer credit reports must adhere to the principles of accuracy, integrity, and impartiality. The reason I am disputing this account is due to inaccurate and unverified reporting. 

Please be advised that I have previously attempted to rectify this matter by sending multiple certified letters to the respective company associated with this account, each of which outlines my concerns per legal stipulations set forth under 15 U.S. Code 1692g. Throughout this verification process, the company received essential documentation, including, but not limited to : XXXX Initial Verification Letter Request XXXX 2nd Verification Letter Request XXXX Remittance of Negotiable Instrument Letter with Indorsed Coupon XXXX Included the following Affidavits, Letters, and Documents : 1. Bill of Particulars Affidavit 2. Right of Opportunity to Cure Affidavit 3. Remittance of Negotiable and Notice of Claim of Lien Letter XXXX Included the following Affidavits, Letters, and Documents : 1. Notice of Default and Estoppel Affidavit 2. Notice of Filing of 1099-A with the IRS 3 . Copy of 1099-A 4. Affidavit of Notary Presentment Certification of Mailing Each of these letters was sent via certified mail to ensure formal acknowledgment and a clear paper trail regarding the ongoing communications. In each instance, the company failed to properly address my concerns and provide verifiable proof of the accuracy of the reported information, nor did they update my account with the Negotiable Instrument to tender payment, supplied to their company in the form of a indorsed coupon, neither did they return the instrument if they intended to reject or decline the tender of payment. The lack of compliance by this company illustrates a failure in their due diligence regarding my account, resulting in their default. Following this, a final Notice of Default Affidavit was sent via certified mail, along with a Cease-and-Desist letter, aiming to bring these unresolved matters to a close.

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 2025-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
GM Financial was the company I was financing my car through. After paying on the vehicle for 5 years. In those 5 years excluding accidents the vehicle was in and out of shops getting worked on. I had fixed the differential out of pocket the first time it had went bad. I had just went over my warranty mile marker so out of pocket was the only option. The part and labor was XXXX to repair. I get the car back after this repair for the vehicle to have the same issue happen only a short 7 months later. The warranty for the first one was up at 6 months so I again was forced to pay XXXX out of pocket to replace the part. The differential is what makes the tire axis go so without this part getting fixed my vehicle could lock up and basically cause major injury to myself or others. 
The company also informed me the car was up for repossession after the car had been towed for 48hours. I tried repeatedly to get them to work with me as I had lost my job during this time as well. Moral of the complaint including the 2 differentials I had to replace the XXXX was in the shop monthly.

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

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 explanation
Consumer complaint received 2025-05-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a car loan opened at XXXX XXXX on XX/XX/XXXX a revolving account at XXXX XXXX on XX/XX/XXXX. 
A car loan with XXXX XXXX XXXX on XX/XX/XXXX a line of credit with XXXX XXXX XXXX XXXX  on XX/XX/XXXX a credit card account with XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries such as XXXX XXXX on XX/XX/XXXX and fraudulent collections appearing on my consumer XXXX 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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:
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 XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

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

15 U.S.C. XXXX ( a ) ( XXXX ), 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 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 2025-05-03 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:
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 XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

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

15 U.S.C. XXXX ( a ) ( XXXX ), 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 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 2025-05-03 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-05-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. CXXXXe XXXXb Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation