vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
I made 2 purchases to the same merchant, XXXX XXXX, on Venmo and they were both for XXXX rentals to do energy work. One transaction was for {$2200.00} and the other transaction was for {$1300.00}. I was told by XXXX that I would receive a full refund of both amount when the crystals were returned. Well after the first payment of {$2200.00} she then said she needed more money to rent more crystals to finish the energy work and if I didnt it would be bad. So I sent her another {$1300.00} and was promised I would have both amounts refunded back with 2 days. Well 2 days came and went and no refund. She then wanted more money after a week and I said no just close my case, return the crystals, and refund my money. She knew I needed the money back to pay my bills. Well that didnt happen so I filed claims with Venmo for a refund with screenshot proof of XXXX saying I would get my money back and that she didnt answer the disputes so that I could win them and get my money. Venmo has denied both of my claims for both dollar amounts even with the proof that the merchant was to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MI

Complaint narrative:
I am filing this complaint regarding false late-payment entries reported on my credit file. The creditor/furnisher has inaccurately reported late payments that never occurred, and despite multiple disputes, these entries remain uncorrected. The credit reporting agencies ( CRAs ) and furnishers have failed to conduct a reasonable investigation or to ensure that my credit information is accurate, in violation of federal law. 
Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666b This statute governs the timing and crediting of payments. Creditors are required to accurately report payment dates and histories. By reporting late payments that did not occur, the creditor violated this provision and misrepresented my account history. 
2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This law restricts the sharing of nonpublic personal information. Reporting false or misleading late-payment information to third-party credit bureaus constitutes an unauthorized disclosure of inaccurate personal data, in violation of this statute. 
3. Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA requires that only accurate and verifiable information be included in consumer credit reports. Continuing to publish false late-payment data after I disputed it violates this accuracy standard.

4. FCRA 15 U.S.C. 1681s-2 Furnishers have a duty to report information accurately and to correct errors upon notice.

The furnisher in this case failed to conduct a reasonable investigation or correct the misreported payment history, despite my repeated disputes.

5. FCRA 15 U.S.C. 1681i and 1681e ( b ) The CRAs are required to reinvestigate disputed information and maintain reasonable procedures to ensure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates noncompliance with these provisions. 
6. 
Legal Precedent In XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ), the court held that credit reporting agencies must conduct an independent investigation when a consumer disputes information. They can not merely rely on the furnishers verification. The continued reporting of these false late-payment entries without independent verification mirrors the wrongful practices identified in XXXX and constitutes a clear violation of the FCRA.

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 2025-11-20 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:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
CFPB COMPLAINT NATIONAL CREDIT ADJUSTERS ( NCA ) Amount : {$310.00} Alleged XXXX Account I am submitting this complaint because National Credit Adjusters ( NCA ) continues reporting a collection account to XXXX XXXX XXXX XXXX while refusing to provide full validation and in violation of my Cease & Desist under FDCPA 805 ( c ).

1. FAILURE TO VALIDATE UNDER FDCPA 1692g ( b ) I lawfully requested complete validation, including : Original signed contract with SpeedyCash Chain of title documenting each transfer to NCA Bill of Sale with attached exhibits identifying my account Forward Flow Purchase Agreement Proof SpeedyCash mailed initial notices or billing statements Itemized accounting showing breakdown of balance NCA has NOT provided any of the required documents.

2. CONTINUED REPORTING WITHOUT VALIDATION FCRA 1681s2 ( a ) NCA continues to furnish data to credit bureaus WITHOUT validation, which violates : FCRA 1681s2 ( a ) ( 1 ) ( A ) Prohibits reporting unverified information FCRA 1681s2 ( b ) Requires proper reinvestigation after dispute 3. VIOLATION OF CEASE & DESIST FDCPA 805 ( c ) After I invoked Cease & Desist protections, NCA is legally restricted from further collection activity. Credit reporting is considered collection activity. They have continued to furnish information, which is unlawful.

4. REQUIRED ACTIONS REQUESTED FROM CFPB I request the CFPB require NCA to : Provide complete validation Provide chain of custody documentation Provide itemized accounting Cease reporting until validation is completed Permanently delete the account if they can not validate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Guild Holdings Company
State: SC

Complaint narrative:
I initially contacted the company on XX/XX/XXXX to make them aware of the adjusted property tax bill. I was told when going through the loan process I would be able to contact XXXX Mortgage once I became a legal resident, resulting in a lower tax rate in order to get my monthly payments lowered and a refund from my escrow. On XX/XX/XXXX I was told to email the tax bill so it could be processed. When I called on XX/XX/XXXX to check the status I was told there would be no change to the monthly payment, with no explanation as to why. When I questioned the reasoning of the decision I was told a member from the escrow department would contact me within XXXX hours. On XX/XX/XXXX I received a call back from the same agent, not an escrow XXXX. I was left a voicemail requesting I give them a call back. Upon returning the call, I was again told there would be no change to the monthly payments because my property tax is at a 6 % rate instead of a 4 %. I explained again my property tax is being assessed at a 4 % rate which should be evident from the tax bill that I sent in as requested on XX/XX/XXXX. Upon what appeared to be a further look into the account the agent communicated that the analysis was in the process and that it should be completed by XX/XX/XXXX or XX/XX/XXXX. I was also told to call back on one of these days to ensure it was processed. When I called back on XXXX, I was told by a different agent that my request to have the escrow adjusted was denied because the recorded deed is showing the property as a second home. I was instructed to contact the county about having that updated. When I contacted the county on the that same day, I was told that kind of information was not shown on a deed. It became clear at that point that XXXX Mortgage is utilizing deceptive practices. There is no need to continue to collect a larger monthly payment as that difference should go into the escrow to pay for property taxes. The current escrow balance is {$7400.00}. The XXXX tax bill that is currently due is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Veros Credit, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I entered into a legally binding Account Settlement Agreement with Veros Credit to settle the account for a reduced balance of {$7700.00}, payable in 38 monthly installments of {$200.00} each ( as documented in the agreement sent by creditor ). 
Since that date, I have complied with the payment plan and have been making all required payments as agreed. 

However, Veros Credit continues to report the original balance of {$14000.00} to the credit bureaus, instead of the settlement amount of {$7700.00} or the current balance reflecting that settlement or current balance owed reflecting recent and all current payments. 

I reached out to company about the issue, and they said they can't remove it from my credit or update the information because it's in a charge off status on my credit and changes can't be made to reflect the payments, I have been sending to them since our arrangement in XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Business Factors
State: OH

Complaint narrative:
National Business Factor is attempting to collect a debt that does not belong to me, and they continue to increase the balance without explanation. The account appears on my credit report for {$1100.00}, even though I have no connection to the original creditor and never agreed to or opened this account.

They are attempting to collect a false debt, reporting inaccurate information, and ignoring my dispute.National Business Factor is violating the Fair Debt Collection Practices Act, including : 15 U.S.C. 1692e False, deceptive, or misleading representations 1692e ( 2 ) Misrepresenting the character/amount/status of a debt 1692e ( 8 ) Reporting false credit information 1692g ( b ) Continuing collection without providing verification 1692f Unfair or unconscionable means to collect a debt Collecting a debt not owed by me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
The account listed is inaccurate and should not be reported under my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Suttell, Hammer & White, P.S
State: MA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal request, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), that you cease all communication with me immediately regarding the above-referenced alleged debt.

Furthermore, your initial communication did not provide me with the required written notice of my right to dispute the alleged debt and request validation, as mandated by 15 U.S.C. 1692g ( a ). Because this mandatory disclosure was not provided, you are in violation of the FDCPA and no collection activity may lawfully continue.

Your violations include, but may not be limited to : Failing to send the written 1692g ( a ) notice that must be provided within 5 days of first contact.

Failing to inform me of my right to dispute the debt within 30 days.

Failing to inform me of my right to request validation of the alleged debt.

Continuing collection efforts without having provided the required notice.

Because you did not give me the legally required opportunity to dispute the alleged debt, I am asserting my rights now. This alleged debt is disputed, and you are required to cease all collection activity unless and until you comply fully with the FDCPA.

My Demands : Cease all communication with me immediately, as required under 15 U.S.C. 1692c ( c ).

Provide the complete and legally required 1692g ( a ) notice if you believe you have the legal right to continue collection.

Provide full validation of the alleged debt, including all documentation proving I owe it and proving your authority to collect it.

Cease any reporting or attempted reporting to any credit bureau until proper validation has been provided, pursuant to 15 U.S.C. 1692e ( 8 ).

Legal Notice From this point forward, you may communicate with me only for one of the following lawful purposes : To inform me that further collection efforts are being terminated ; To inform me of specific legal remedies you may lawfully invoke ; or To inform me of your intent to invoke such remedies.

Any communication beyond these exceptions will constitute knowing and willful violation of the 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated. My credit file contains multiple hard inquiries that were made without my knowledge, authorization, or permissible purpose, in direct violation of 15 U.S.C. 1681b. These inquiries were allegedly initiated by several auto dealers and financial institutions, none of whom had my consent to access my credit report. 

I have filed an official FTC Identity Theft Report ( Report XXXX. XXXX ), affirming under penalty of perjury that these inquiries were fraudulent and tied to identity theft. Despite this, the credit reporting agencies ( Equifax, Experian, and TransUnion ) have failed to delete the unauthorized inquiries or provide any signed authorization proving they had a legal basis to allow access to my file. 

I also requested a Method of Verification under 15 U.S.C. 1681i, asking each credit bureau to provide evidence supporting the inquiries, and explicitly requested that they do not use the automated e-OSCAR system, which does not meet the statutory requirement of a reasonable investigation. The bureaus either failed to provide proper verification or ignored the request completely.

Their failure to delete fraudulent inquiries, and their refusal to conduct a lawful, reasonable investigation, constitute willful and negligent noncompliance with the FCRA under 1681n and 1681o.

I have attached the FTC Identity Theft Report, identification documents, and copies of the letters sent to each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I pulled my 3 credit reports back on XX/XX/XXXX. I noticed this account on my credit report. I submitted a DEBT VALIDATION letter via certified mail on XX/XX/XXXX and Midland Credit Management received it on XX/XX/XXXX. I have still not heard from Midland Credit Management at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercury Technologies, Inc.
State: MS

Complaint narrative:
On XX/XX/2025 I attempted to start a new account with Mercury out of XXXX XXXX, CA. After filling out the forms and giving the requested information, they asked for my bank routing information to make an account opening transfer of funds. Once they got this information, they emailed stating that the application had been removed. When I responded to this they emailed again and said that it remains denied and services will not be provided. 
On XX/XX/2025 Mercury stated in an email that they had disconnected all information from the XXXX ACH platform. 
On XX/XX/2025 I emailed their company support requesting that all of my information they have that is legally allowed to be deleted to be deleted. I also asked them to suppress usage of any information given to them and to send me evidence of such deletions and suppressions. 
Today, XX/XX/2025 I get an email from them stating that they have used the ACH information to transfer money from my personal account to the new, and previously denied, Mercury business account. They also told me in an email that the transfer would not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing regarding the Comenity account ending in XXXX that was fraudulently opened in my name. As you are aware, I submitted documentation demonstrating this account was not authorized by me, including a police report, FTC identity theft report, and direct correspondence. 

It is my understanding that Comenity conducted an internal investigation confirming that the account was fraudulent and subsequently removed it from your system. For the purposes of resolving ongoing reporting disputes with consumer reporting agencies ( CRAs ), and to preserve all relevant evidence, I am requesting written confirmation regarding the following matters : XXXX. Verification and Communication with XXXX Prior to My Submission Whether Comenity received any verification or inquiry requests from XXXX XXXX XXXX XXXX regarding this account before I directly submitted documentation to Comenity. 
If so, whether XXXX confirmed the account as valid, rejected it, or otherwise responded, and provide the dates of such responses. 
XXXX. Internal Investigation and Post-Submission Communication The date your internal investigation concluded the account was fraudulent. 
The date ( XXXX ) XXXX notified each CRA of the results of your internal investigation. 
XXXX. Consistency of Communication Whether there were any discrepancies between XXXX responses to CRAs and the findings of your internal investigation. 
Any documentation or notes evidencing these communications. 

Your prompt and complete written response is requested within XXXX calendar days of receipt of this letter. Failure to provide clear and accurate information regarding your communications with CRAs may be noted in regulatory complaints and may be used as evidence in ongoing or future FCRA litigation. 

I believe Commenity didnt break any FCRA laws and that the burden of negligence was the CRAs alone. 

This letter is sent without prejudice to my rights and claims, including claims for violations of the Fair Credit Reporting Act, and to preserve evidence for potential legal proceedings. 

Please direct your response to my email address : XXXX or in the Cfpb Thank you for your immediate attention to this matter and thank you for actually conducting a real not sham investigation as the XXXX did Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation