vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Management Services, LP
State: PA

Complaint narrative:
Capital management services is trying to collect on a debt not owed to them. I would like this company to send the purchase agreement, documents that showed I allegedly agreed to pay you, a copy of your state license, explanation on how this debt is owed to you. If you can not provide all information you can not collect on this debt.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
My vehicle was paid off on XX/XX/XXXX. I received a copy of the title and a letter that stated the vehicle loan had been completed. 

I requested that the GAP insurance be canceled and remaining amount refunded to me. The refund was sent to the previous lienholder by the dealer, as per their policy, on XX/XX/XXXX and that check was confirmed by the dealer to have been cashed by Foursight Capital. 

I contacted Foursight Capital to ask why they had not sent my refund and was told they have to wait 30 days, which doesn't make sense, as they have already cashed the check and the vehicle was paid off 4 months prior to them receiving the check. I asked to speak to a supervisor for clarity and was told that they were busy and could not speak with me. 

Additionally, when I looked online, my account with Foursight is still listed as active and shows a next pay due date of XX/XX/XXXX, despite the fact that the account was paid off as of XX/XX/XXXX and should have been closed. When asked about this the representative told me that I would have to submit a dispute to the company in order to have my credit report updated and to have the account placed in a paid inactive status. 

I believe that Foursight Capital is fraudulently keeping accounts active and that they are inappropriately maintaining funds that should be refunded to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Account LVNV ( Resurgent Capital Services ) I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe that you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete this account as soon as possible from my credit report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am submitting this complaint to request a complete account audit and supporting documentation for three accounts being reported by Navy Federal Credit Union to XXXX. Each account is showing a charge-off with a high balance, yet lacks clear and consistent reporting history or substantiation of those statuses. 

This is a formal request for transparency under the Fair Credit Reporting Act. I am auditing all three accounts listed below and require responses to the following specific data points for each : Account # XXXX Balance : {$49000.00} Please answer the following : Date Opened : Date Closed : Date Account Sold ( if applicable ) : Date Charged-Off : Date of First Delinquency : Date of Last Payment : Balance : {$49000.00} Account # XXXX Balance : {$12000.00} Please answer the following : Date Opened : Date Closed : Date Account Sold ( if applicable ) : Date Charged-Off : Date of First Delinquency : Date of Last Payment : Balance : {$12000.00} Account # XXXX Balance : {$10000.00} Please answer the following : Date Opened : Date Closed : Date Account Sold ( if applicable ) : Date Charged-Off : Date of First Delinquency : Date of Last Payment : Balance : {$10000.00} I am not disputing these accounts at this time. This is a pre-dispute account-level audit to confirm the accuracy and completeness of the information being furnished to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

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

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: NY

Complaint narrative:
am writing to formally file a complaint regarding a background check report your company issued on XX/XX/XXXX, which improperly disclosed a sealed misdemeanor conviction, in violation of New York State law. 

The report includes a XXXX misdemeanor conviction for unauthorized use, which, under New Yorks Clean Slate Law ( effective XX/XX/XXXXXXXX  ), qualifies for automatic sealing. I meet all eligibility requirements under the law, including the required waiting period, absence of subsequent convictions, and completion of all sentencing conditions. 

Despite this, your background check disclosed the sealed conviction, which is a clear violation of N.Y. Criminal Procedure Law 160.57. This unlawful disclosure constitutes a direct violation of my rights under New York State law. 

I request the following actions : Immediate removal of the sealed record from your system and all related reports. 
A corrected background check report to be issued to any third parties who received the original. 
Written confirmation that your company has updated its procedures to ensure compliance with New York 's Clean Slate Law going forward.

If this matter is not resolved within 10 business days, I will escalate it to the New York State Attorney Generals Office, the Consumer Financial Protection Bureau, and the Federal Trade Commission.

Please confirm receipt of this complaint and advise me of the steps being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : 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 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 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 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 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 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 INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-08 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-08 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: PA

Complaint narrative:
I am submitting this complaint to serve as a notice that I sent this agency the attached dispute so they can not claim they didn't receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute an inaccurate item currently appearing on my credit report. The account in question is being reported by XXXX XXXX. I believe this entry is incorrect, as I have never entered into any contract or agreement with this company, nor have I authorized them to report any debt in my name. 

Because there is no valid basis for this account, XXXX XXXX does not have the legal authority to list it on my credit file. This inaccurate reporting is unjustly damaging my credit score and overall financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I respectfully request an immediate investigation into this matter. I am also requesting the removal of this erroneous item from my credit report, as it is not valid and should not be associated with my credit history.

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 2025-05-08 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: CA

Complaint narrative:
I am writing to formally dispute an inaccurate item currently appearing on my credit report. The account in question is being reported by XXXX XXXX. I believe this entry is incorrect, as I have never entered into any contract or agreement with this company, nor have I authorized them to report any debt in my name. 

Because there is no valid basis for this account, XXXX XXXX does not have the legal authority to list it on my credit file. This inaccurate reporting is unjustly damaging my credit score and overall financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I respectfully request an immediate investigation into this matter. I am also requesting the removal of this erroneous item from my credit report, as it is not valid and should not be associated with my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Subject : Request for Debt Validation Dear First Progress Card, I am writing in response to your communication regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request validation of this debt. 

Please provide the following information : * Proof that I owe this debt ( original creditors name, account number, and a copy of the signed agreement ). 
* A detailed breakdown of the amount owed, including interest, fees, and payments credited. 
* Verification that your company is legally authorized to collect this debt in Texas. 
* The date of the last payment. 

Until you provide this documentation, I dispute this debt and request that you : Cease all collection efforts by reporting this to the credit bureaus Update my credit report to reflect this dispute. 

Confirm in writing if this debt has been sold or transferred. 

If you fail to validate this debt within 30 days, I expect all collection activities to stop, and the debt to be removed from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

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

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 2025-05-08 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: FL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 2025-05-08 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: MI

Complaint narrative:
Name : XXXXXXXX XXXX XXXX  Account number XXXX Account status : closed This account has been reported XXXX closed for the last three months yet it has been re-aging this alleged debt. Which is a violation of my lawful rights as a federally protected consumer under title 15 of the US Constitution in the FCRA.

This account has been re aging illegally on to my credit report which is a direct violation of my consumer rights as a federally protected consumer Account Name : XXXXXXXX XXXX XXXX  Account number XXXX Account status : closed Date opened XX/XX/XXXX Per XXXX XXXX XXXX this creditor has been re aging this closed account for months. This is a direct violation of my consumer rights. 15 U.S.C. 1681c ( a ) This section outlines the time limits for reporting adverse information, this account must not be updated it must be REMOVED Full name : XXXX XXXX Address : XXXX XXXX XXXX mi XXXX Birthdate XXXX SSN 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 2025-05-08 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Name : BARCLAYS BANK DELAWARE Account number XXXX Account status : closed This account has been reported ass closed for the last three months yet it has been re-aging this alleged debt. Which is a violation of my lawful rights as a federally protected consumer under title 15 of the US Constitution in the FCRA.

This account has been re aging illegally on to my credit report which is a direct violation of my consumer rights as a federally protected consumer Account Name : BARCLAYS BANK DELAWARE Account number XXXX Account status : closed Date opened XX/XX/XXXX Per 15 usc 1681s-2b this creditor has been re aging this closed account for months. This is a direct violation of my consumer rights. 15 U.S.C. 1681c ( a ) This section outlines the time limits for reporting adverse information, this account must not be updated it must be REMOVED Full name : XXXX XXXX Address : XXXX XXXX XXXX mi XXXX Birthdate XXXX SSN 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 2025-05-08 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: IN

Complaint narrative:
I kindly request the immediate removal of this incorrect late payment from my account. My payment history has always been punctual, and this error is causing unnecessary concern. Please update my account accordingly.

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 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
There is a collection company posting to my credit report called Midland credit company. They are posting to all three of my credit bureaus trying to collect a debt that does not belong to me. It is a fraudulent account. I have spoke with all three credit bureaus and disputed them. They even said theres not even a payment history with the original debtor that they are trying to collect four as a third-party company. Theres no history of the credit card company on any credit report of mine that they are trying to collect from this is a third-party debt collection company that has fraudulently posted to my credit trying to obtain payments of a debt not owed on fraudulent account.

Company response to consumer: Closed with explanation