vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: Oklahoma Motor Credit Company
State: OK

Complaint narrative:
This is your only opportunity to try to make this right. The Judgment was obtained falsely and everybody knows that. It needs to be removed immediately. You have until XX/XX/year>XXXX  or I will be escalating this issue. I want them prosecuted and charged for what they have done to me I have suffered several years because of these people who have committed several different crimes against me, there is substantial amount of evidence, and supporting facts, and I believe that I have probable cause and I can prove beyond a reasonable doubt and based off of the preponderance of evidence that they are guilty and there are so many people involved. The companies and the people involved still have not made it right they've had a lot of time and still nothing has been done. The state Of Oklahoma has failed me as well as the Federal Authorities that are supposed to do something about all these issues that have transpired. Whether it has to do with funding issues or they simply do not care about what has happened to me and what these people and all these people involved have perpetrated crimes against me. Do you have lazy people who do not do their job and who are continually dishonest. It is very unacceptable and disturbing that nothing has been done in regards for me to receive justice for all the crimes that have been committed against me. The State Of Oklahoma has covered up, tampered with evidence, obstructed justice, aided and abetted, knowing that all these people involved have committed very serious crimes and nothing has been done about it. It is Oklahoma Motor Credit, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX fault that this has happened, you have a XXXX County District Judge that has continued to victimize me, perpetrated crimes against me, and has gotten away with very serious crimes that he has done, as well as judicial misconduct. He allowed them to get a judgment against me in a state that I do not live at, knowing the circumstances behind this massive fraud that has been committed as well as other crimes. So it's no wonder and it's very evident why I will be seeking substantial amount of damages from everybody involved. I want Justice and I am not going away until justice has been served in these people have been held accountable for what they did to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I dont know about any debt concerning this company at all but I keep getting calls non stop from so many numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX  the credit bureaus has been compromised. my data has been traded, bought and sold as well as leaked. my information without my permission or consent. Due to the fact that my data was leaked in a data breach for transunion, XXXX XXXX, and many other softwares and companies i have found that my entire credit report and banking history has been compromised. I notified them of the breach and made them aware that i need to dispute the entire report as ive had no accounts opened with my approval. i have been a XXXX XXXX XXXX theft due to the data breach and my information was leaked allowing for my personal information to be used to open up multiple accounts and credit cards and loans in my name without my authorization. i filed a identity theft claim and ftc claim for this to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  the credit bureaus has been compromised. my data has been traded, bought and sold as well as leaked. my information without my permission or consent. Due to the fact that my data was leaked in a data breach for transunion, XXXX XXXX, and many other softwares and companies i have found that my entire credit report and banking history has been compromised. I notified them of the breach and made them aware that i need to dispute the entire report as ive had no accounts opened with my approval. i have been a victim of identity theft due to the data breach and my information was leaked allowing for my personal information to be used to open up multiple accounts and credit cards and loans in my name without my authorization. i filed a identity theft claim and ftc claim for this to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

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 ( 7 ). 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 explanation
Consumer complaint received 2025-12-29 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-29 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am formally disputing the inaccuracies appearing on my credit report, as they are directly harming my financial standing and overall creditworthiness. Despite multiple attempts to address and correct these problems, the same errors continue to reappear. These repeated inaccuracies are negatively affecting my credit score and limiting my ability to secure financial opportunities. 

It is essential that these issues be fully reviewed, investigated, and corrected immediately. If these matters are not resolved promptly, I will have no choice but to pursue legal action for any resulting damages, including seeking compensation for violations of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I am submitting this complaint regarding debt collection and reporting actions taken by Pressler , Felt & Warshaw , LLP in connection with a default judgment entered against me in the XXXX XXXX of XXXX XXXX  XXXX XXXX. 

A default judgment was entered on XX/XX/year>, in the amount of approximately {$1500.00}. I was never personally served with a Summons and Complaint, nor was any member of my household served. I received no notice of any lawsuit, court date, or opportunity to respond prior to judgment. 

At all relevant times, I resided at the address where XXXX, XXXX XXXX XXXX claims service occurred. My wife also resides with me at that address. No process server ever appeared at my residence, and no legal papers were delivered to me or to any member of my household. I did not evade or avoid service. 

I first became aware of this lawsuit and judgment when my employer informed me that my wages were being garnished. One wage garnishment payment has already been taken from my paycheck. 

Under XXXX XXXX XXXXXXXX XXXXe 4:50-1 ( d ), a judgment entered without proper service is void. Because I was never served or notified, the judgment was entered in violation of my due process rights. I am currently filing a Motion to Vacate Default Judgment and Stay Wage Garnishment pursuant to Rule 4:50-1 ( d ). 

Additionally, the actions taken by Pressler, Felt & Warshaw raise concerns under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires that information furnished to consumer reporting agencies be accurate and not misleading. Reporting or using a judgment obtained without proper service, notice, or opportunity to be heard may constitute the furnishing of inaccurate or incomplete information, in violation of 15 U.S.C. 1681s-2 ( a ). 

By pursuing wage garnishment and potentially furnishing information regarding this judgment without ensuring that proper service and notice occurred, Pressler, Felt & Warshaw engaged in conduct that deprived me of the ability to dispute the debt or defend myself prior to adverse action. 

I respectfully request that this matter be reviewed for violations of applicable consumer protection laws, including the Fair Credit Reporting Act, and for improper debt collection practices related to lack of service, lack of notice, and the initiation of wage garnishment without due process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am formally disputing the inaccuracies appearing on my credit report, as they are directly harming my financial standing and overall creditworthiness. Despite multiple attempts to address and correct these problems, the same errors continue to reappear. These repeated inaccuracies are negatively affecting my credit score and limiting my ability to secure financial opportunities. 

It is essential that these issues be fully reviewed, investigated, and corrected immediately. If these matters are not resolved promptly, I will have no choice but to pursue legal action for any resulting damages, including seeking compensation for violations of the FCRA and the 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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CORNERSTONE RESOLUTION GROUP, INC.
State: PA

Complaint narrative:
I was contacted by this company regarding an alleged payday loan. I do not recall the exact date of initial contact, as I did not know at the time that I needed to document these interactions. 

I was advised that I owed a payday loan. The caller repeatedly contacted me and stated that someone would come to my home to serve me court papers. Due to fear and pressure, I signed an agreement. After signing, I made a payment of {$50.00} on XX/XX/year>. 

After this, I sought assistance and reviewed the situation more carefully. I do not recall taking out this loan, nor do I recall using XXXX at the time the alleged debt originated. 

On XX/XX/year>, I emailed the company XXXX formal notices : A Debt Validation Request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), referencing file number XXXX A Revocation of Debit Card Authorization A Cease Telephone Communication request I received no response to any of these communications. 

On XX/XX/year>, despite my written revocation of authorization and without providing any debt validation, the company attempted to debit my card. The transaction was declined because my card was locked. 

Following the failed debit attempt, the company continued to call me and left a voicemail stating that I must make a payment or they would be filing legal action. I retained the voicemail. 

I then sent an additional written notice titled Notice of Unauthorized Debit Attempt and Demand for Compliance, reiterating that all communication must be in writing. I also sent a text message stating : I have already notified your office in writing that all correspondence must be handled in writing via email only. I will not be answering any phone calls. Please cease telephone communication immediately. 

Despite this, the company continues to call me and has not provided validation of the alleged debt. 

I am filing this complaint due to continued collection activity without validation, unauthorized debit attempts after revocation, and failure to honor my request for written communication only.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo 's system does not allow customers to allocate payments among promotional balances online. My payments were applied in a way that caused interest to accrue without notice. I am requesting a reversal of interest charges resulting from system limitation.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank has advertised that I was approved for a business credit card and denied me after I submitted my information and ran my personal credit file without my consent. I have contacted them, and their excuse was that it was a pre-approval. However it clearly advised that I was already approved.

Company response to consumer: Closed with explanation