vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
Dear Portfolio Recovery : I am writing regarding the alleged debt you claim I owe, referenced by account number [ account number ], which was first communicated to me on [ date of initial contact ]. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby dispute this debt in full and request that you provide complete validation as required by lawincluding, but not limited to : The name and address of the original creditor ; A complete payment history ; A copy of the original contract or agreement establishing the debt ; Your legal license or authorization to collect in [ your state ]. 
Until you provide such validation, you must cease all collection activity and must not report this debt to any credit reporting agencyor if you already have, indicate it is being disputed. Failure to validate will constitute a violation of the FDCPA Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I dispute the accuracy and legitimacy of this collection entry. If you have reported this debt to any credit bureau, you are required to : Investigate and verify the information within XXXX days of receipt of this dispute ; Correct or delete any information found to be inaccurate or unverifiable ; Notify credit bureaus that I dispute the entry. 
This dispute is not an admission that I owe the debt nor does it restart any statute of limitations that may applyASAP XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am not liable for this debt with Affrim Nor With The credit collecting XXXXI do not have a balance with Affrim.nor with XXXX It was paid in full, I do not have a contract with Affrim they did not provide me with the original contract as I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CT

Complaint narrative:
Formal Dispute and Request for Immediate Deletion Under FCRA 611, FDCPA 809 ( b ), and XXXX XXXX Compliance Standards. Dear EQUIFAX XXXX Department, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ( XXXX ) ), the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ), and XXXX XXXX compliance standards. I demand that the following inaccurate, incomplete, and unverifiable accounts be immediately deleted from my consumer report.Accounts in Dispute. 
XXXX. XXXX XXXX XXXX ( Account XXXX. ending in XXXX ) - This is a debt buyer account allegedly purchased from XXXX XXXX XXXX  XXXX No documentation has been provided proving lawful ownership, original signed agreement, or itemized billing statement.- In violation of FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ), I request immediate deletion unless fully validated with : - Original creditor agreement - Full chain of assignment - Itemized payment history. 
XXXX. XXXX XXXX ( Account XXXX. ending in XXXX ) - This account is inaccurately reported as charged off while also being listed as closed at the creditors request.- There is no validation of the balance, terms, or original agreement.- Reporting is misleading and fails XXXX XXXX formatting standards for accuracy and completeness. 
XXXX. XXXX XXXX  XXXX ( Account No. ending in XXXX ) - Account status reflects charge-off with past due balance, yet previous disputes were not revalidated per FCRA requirements.- No signed agreement, billing history, or proof of assignment is available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: HI

Complaint narrative:
I am writing this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore, as they have been severely affecting my life and credit score. These inaccuracies are making it impossible for me to attain financial stability and freedom.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
I am requesting the permanent deletion of the inaccurately reported late payments on the following accounts : XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These late marks were reported without any prior notice of a due date or delinquency from the creditors a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Accordingly, I am asking that Experian : Immediately reinvestigate these late payments and require each furnisher to provide dated and verifiable documentation ( emails, letters, reminders ) that shows I was properly notified before the negative reporting occurred. 

If the furnishers can not produce valid notice, these derogatory marks must be permanently deleted from my Experian credit report. 

Provide me with written confirmation of deletion and a copy of my updated Experian credit file within 15 business days.

Ensure that these late payments are not reinserted into my file without strict compliance with FCRA reinsertion procedures. 

This request is lawful and reasonable under federal law. If not resolved, I will escalate this matter further through the FTC, State Attorney General, and/or pursue legal action under FCRA 616, which allows for statutory damages, actual damages, and attorneys fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
MOHELA continues to report a delinquent student loan on my credit reports even though I lawfully XXXXischarged the debt and submitted a valid IRS Form 1099-C. The loan was originally serviced by FedLoan ( PHEAA ), and I never consented to or signed any contract with MOHELA. Despite multiple written requests, MOHELA has failed to provide the original Master Promissory Note or any legal documentation showing that they have the authority to collect on this debt or report it to credit bureaus. 

Furthermore, federal law strictly prohibits credit reporting agencies from reporting derogatory account information that is more than XXXX XXXX XXXX. These student loans have exceeded that XXXX limit by several years, making their continued appearance on my credit reports a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ). All three major credit bureausXXXX XXXXXXXX XXXXXXXX XXXXwere formally notified of the outdated and discharged status of the account. Each failed to take proper corrective action following their respective investigations, which constitutes further violation of federal law. 

In addition, this account has been lawfully transferred and assigned to XXXX  XXXX XXXX XXXX XXXX, a private irrevocable trust, of which I am the sole trustee. All rights, titles, and interests related to the alleged debt are now held by the trust. MOHELAs continued collection attempts, false credit reporting, and refusal to recognize the trusts authority not only violate the FCRA, but also constitute unlawful interference with trust property and breach of fiduciary and contractual obligations. MOHELA has no standing or lawful authority to disregard the trusts protective status or to override the legal authority of its trustee. 

I have attached supporting documentation, including : A copy of the IRS-accepted Form 1099-C, showing lawful cancellation of the debt ; A certified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and CFPB complaint records showing MOHELAs repeated noncompliance ; Copies of recent credit reports showing the continued illegal reporting beyond the XXXX limit ; A written demand to MOHELA for validation and proof of authority, which remains unanswered. 


At this point, MOHELAs actions are deliberate, harmful, and unlawful. I am demanding immediate removal of all negative reporting associated with this discharged and trust-owned account, full correction across all three credit bureaus, and formal acknowledgment that MOHELA lacks lawful authority to collect or report on this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
I sold five stocks XX/XX/XXXX for my home loan, but the banker is requesting a trade confirmation that clearly links the sale to my Cash App account. The confirmation I downloaded from the online portal only shows the number of shares and sale price, but doesnt include any account information. Previously, I had shared my Cash App stock statement with the banker, which did include that. 
I understand that a full statement is typically available at the end of the month, but since my loan needs to close this week, Im wondering if you could help generate an official statement for a custom date range ideally from XX/XX/XXXX to XX/XX/XXXX. 

I contact them many times though phone, email, social media like x, instagram etc. they said will contact me within 24 hs. But 3 days passed. They didnt reply yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was text and phone by the company starting my account is in danger someone has access and trying to make purchase with my account they ask me if I tried to make a purchase I said no then they said I needed to close my account to get new account. I then stated this is all to much call me back they ask how long I said two hours. I received a text for the number to call. I waited and call the next day. The representative said in order for me to secure my account I have to transfer to account manager to get new account and new credit cards. As I was following instructions the gave me a case number as the funds were being transfered over the call hung up I tried to call back and the call didn't go thru. Then I text the number nothing happened. So I got my credit cards and call the back of the card and it said didn't recognize my account. So I had to recall again to get a representative. I explained to her the case number and she said there is no case number I then ask her to stop the transaction that I just transferred. It was a fraud or scam I explained to her that the man who I spoke to was impersonating them. She said she will file a dispute it will take 45 days. I checked back before that .they dispute was denied. I spoke to another repressive a male explained the whole situation and he said file another dispute and upload evidence. So I did I then got an email stating they denied my disputes that's all the money I had. I don't have a job and can't afford a lawyer. I don't know where to get help or who will help me. I think justice needs to be done how can they let someone impersonate there company and just get away with crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
on XX/XX/XXXX, XXXX someone who claimed to work for XXXX XXXX XXXX issued out two checks to me via email. i deposited both via mobile and most of the first check was available already, so the so called " investor '' told me to send {$750.00} to my XXXX, in which i would buy XXXX and send it to him or whomever for a doubled profit. after that my bank reverse the checks and and i was XXXX when i told the so called " investor '' about it he acted surprise and like that wasn't supposed to happen. i asked him who did the check come from and he showed me a Wells Fargo account and said it was linked to the " company '' he works for - XXXX XXXX XXXX when i asked for reimbursement ( because the money is gone through crypto ) he said the only way that could happen is if i printed out a new check he would issue out to me that i would have to deposit and that no other way could be done because it's against his " company 's '' policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part. Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : 1. Provide a detailed account of the data that was compromised ; 2. Disclose the date and method by which the breach occurred ; 3. Explain the steps your organization is taking to remediate the situation ; 4. Provide documentation of your compliance with data protection laws ; 5. Correct any errors on my credit file caused by this breach ; 6. Provide complimentary credit monitoring and identity theft protection services for a minimum of 12 months. Please be advised that I am aware of my rights under the FCRA ( 15 U.S.C. 1681 ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within 30 days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General. Please respond to this dispute in writing within 30 days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: SECURITY FINANCE CORP
State: NV

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part. Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : 1. Provide a detailed account of the data that was compromised ; 2. Disclose the date and method by which the breach occurred ; 3. Explain the steps your organization is taking to remediate the situation ; 4. Provide documentation of your compliance with data protection laws ; 5. Correct any errors on my credit file caused by this breach ; 6. Provide complimentary credit monitoring and identity theft protection services for a minimum of 12 months. Please be advised that I am aware of my rights under the FCRA ( 15 U.S.C. 1681 ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within 30 days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General. Please respond to this dispute in writing within 30 days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am filing this complaint against TD Bank ( TARGET Credit Card ) for willful violations of the FCRA and FDCPA regarding Account # XXXX. Despite sending 4 certified dispute letters since XX/XX/XXXX, TD Bank : Ignored all validation requests ( copies attached ). 

Illegally reported a " charge-off '' to XXXX XXXX and XXXX. 

Never notified me about the charge-off status, violating : FCRA 1681s-2 ( a ) ( 7 ) ( Negative Information Notice ).

TILA 1666b ( 21-day billing statement requirement ).

Failed to mark the account as " disputed '' on credit reports ( FCRA 623 ( a ) ( 3 ) ).

Used generic " account summaries '' instead of legally required validation documents ( FDCPA 809 ( c ) ). 

TD Banks actions mirror their XXXX CFPB penalty ( Docket # XXXX XXXX ) for " furnishing inaccurate information '' and " failing to investigate disputes. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Subject : Re : Request for Complete Validation of Debt Accounts Ending in XXXX and XXXX To whom it may concern, Thank you for your response on XX/XX/year>. However, your explanation does not satisfy my request for complete and meaningful debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 

While you claim to have purchased the accounts from XXXX and rely on business records to verify the debts, you have not provided a copy of the actual purchase or assignment agreement showing the transfer of these specific accounts ( ending in XXXX and XXXX ) from XXXX to Portfolio Recovery Associates. 

Your assertion that no other contract is required is incorrect. The FDCPA requires you to provide documentation that establishes your legal right to collect the debt, including proof of ownership. 

Furthermore, I maintain that the names associated with these accounts XXXX XXXX and XXXX XXXX XXXX XXXX do not exactly match my legal name, which raises serious concerns about the accuracy of your records and the reporting to credit bureaus, as governed by the Fair Credit Reporting Act ( FCRA ).

Therefore, I am requesting the following within 15 business days : A full purchase or assignment agreement evidencing your acquisition of these debts from XXXX ; Documentation establishing your authority to collect on these specific accounts ; Correction or removal of any inaccurate personal information, including inconsistent names ; Removal of any references, trademarks, or branding related to your company from my credit reports unless you can provide proper validation of the debt. 

Please be advised that under the FDCPA and FCRA, I have the right to seek legal action against you for failure to provide proper validation, for reporting inaccurate information, and for engaging in unfair or deceptive collection practices. 

Until you provide this documentation, I do not acknowledge this debt as valid and will not make any payments. Failure to comply will leave me no choice but to escalate this matter by filing formal complaints with the Federal Trade Commission ( FTC ), my State Attorney Generals Office, and pursuing legal remedies, including suing for damages. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
On XX/XX/scrub>/2025, I sent a formal written dispute directly to XXXX XXXX XXXX  regarding this account. As of today, more than 30 days have passed, and I have received * * no response, investigation results, or verification * * from them. 

This failure to respond within the time required by the Fair Credit Reporting Act ( FCRA 623 and 611 ) renders the account * * unverifiable * *. Additionally, the original reporting contained factual inaccuracies, including an early charge-off before the standard 180-day period and inconsistent or missing payment data.

Company response to consumer: Closed with non-monetary relief