vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armada Corp.
State: NV

Complaint narrative:
CFPB Debt Validation Complaint I am submitting this complaint regarding a debt that has been placed in collections and/or reported to my credit report by the above company. I am formally disputing this debt and requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ). The alleged debt amount, which I do not acknowledge as accurate or valid. This debt appears to stem from incorrect billing, misrepresentation, or lack of clear and consistent information provided by the original creditor and/or collection agency. I am requesting full validation of this debt, including all documentation that proves I am legally obligated to pay it. Request for Validation Please provide the following : The name, address, and contact information of the original creditor A complete itemization of the debt, including all fees, interest, and adjustments A copy of the original signed contract, lease, or agreement showing my legal responsibility Proof that this debt was legally assigned or transferred to your company Verification that your company is licensed or authorized to collect in my state Full payment history and accounting of how the balance was calculated The date of original delinquency and last payment made Dispute and Reporting Request Until this debt is fully validated : All collection activity must cease No continued reporting to credit bureaus should occur Any inaccurate credit reporting must be corrected or removed if validation can not be provided If you are unable to provide proper validation of this debt, I request that it be permanently deleted from all credit reporting agencies and marked as closed. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MortgagePros, LLC
State: MS

Complaint narrative:
I KEPT FILING A COMPLAINT, THEY KEEP SAYING THAT THEY ARE GOING TO CALL ME, BUT JUST LIKE THE RESTOF THEIR BUSINESS THEY TOTALLY LIE AND NEVER CALL ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
I executed a {$12000.00} funds transfer from my checking account at Huntington Bank to my XXXXXXXX XXXX checking account. The funds never were received by XXXX, or so they say. There is only partial information available about the account number that the funds were transferred to, only the last XXXX digits of the account number are showing for the account the funds were transferred. This account number was held in my account, however, I am unable to see anything else but the last XXXX digits to confirm the account number. The account appears to be stale. There is no closed account with these ending XXXX numbers at XXXX. As such, XXXX needs the full account number to research the transaction. They show no transfer into any of my accounts on their side. Huntington has not contacted XXXX ; will not give me the information, full account number, to give to XXXX to research, and are not refunding the money into my account. I am getting no answers from either bank. As of today, XX/XX/year>, it's been 14 days since this transaction was executed with little to no answers. I am out {$12000.00}!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
I am disputing this account because it resulted from identity theft/fraud. I did not authorize or open this account. Please block and remove this fraudulent account under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 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: PA

Complaint narrative:
This is an Administrative Notice of Statutory Default. Pursuant to 12 U.S.C. 5511, I am invoking the mandatory enforcement duty of the Consumer Financial Protection Bureau to address a systemic and willful violation of Federal consumer financial law I. THE DOCTRINE OF STATUTORY EXHAUSTION This is my sixth ( 6th ) formal communication. I have exhausted all administrative remedies provided under the Fair Credit Reporting Act ( FCRA ). The Credit Reporting Agency ( CRA ) has been afforded 180+ days of notice to verify the following items. Their failure to produce co mpetent evidentiary matter during this extensive window constitutes a terminal failure of verification. II. ENUMERATED COUNTS OF NON-COMPLIANCE COU NT I : Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( The Mandatory Deletion Rule ). The statute dictates that if an item " can not be verified, '' the CRA " shall '' promptly delete it. The word " shall '' creates a non-discretionary duty. By failing to delete unverified items after six rounds of notice, the CRA is in direct violation of a federal mandate. COUNT II : Violation of 15 U.S.C. 1681e ( b ) ( The Maximum Accuracy Standard ). The CRAs refusal to modify or delete invalidated payment history data is a prima facie failure to maintain " reasonable procedures '' to assure maximum possible accuracy. COUNT III : Violation of 15 U.S.C. 1681n ( Willful Non-Compliance ). The CRA has demonstrated a reckless disregard for the law. This willful persistence in reporting unverified data has caused me severe actual damages, including financial exclusion and documented emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: TX

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 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 efficiency mely 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 I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 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:
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 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 efficiency mely 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 I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I am formally disputing the reporting of this voluntary repossession under FCRA Section 611. The account information being reported appears inaccurate/incomplete and I am requesting a full investigation, including verification of the date of first delinquency, payment history, balance, and documentation proving the account is being reported accurately. If the information can not be verified pursuant to the Fair Credit Reporting Act, please remove this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am not sure what is going on, but I have disputed these accounts multiple times and have never received a response. This has become very frustrating, and I am concerned that my efforts to address these issues are being overlooked. If I made an error in the process, it was certainly not intentional, as I have been doing my best to handle this matter properly and in good faith. Please carefully review the attached letter and conduct a thorough investigation into these disputed accounts. I am requesting that my credit report be made complete, accurate, and fully compliant with all applicable reporting requirements as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I found a person on social media XXXX XXXX ( XXXX ) that said she worked at a hair braiding shop that was in my area. I received a booking that looked legitiment for XXXX XXXX XXXX and paid a deposit to XXXX days before booking date on XX/XX/XXXX for the amount of {$70.00} for myself and my daughter. I then was informed the morning of myself and daughter booking XX/XX/XXXX that the remaining payment would have to be made in full before service is provided which was the amount of {$320.00}. Total balance being {$390.00}. After making the payment I then walked in the salon with my daughter and was told they have no booking for me or her nor did they receive any payment from me CHIME to CHIME, which are money transfers for the service. I then tried to contact the individual that I was communication with and realized that they had blocked me from being able to communicate with them any further via email to text as well on social media site TIKTOK where I started communicating about the service I wanted done. I immediately contacted CHIME on XX/XX/XXXX which is the financial instiution the money transers were made through to inform them that I made payments for a service to individuals with chime accounts that turned out to be a scam and CHIME put in a dispute, I then file a police report and was told that it was a scam. CHIME has denied my claim for the dispute. I revolved the dispute 3 times to get my money back and all 3 times they were denied even after the police investigation on the matter stating that the people do not exist and it appears that they made CHIME accounts under fake names to receive payments. I was then told by the CHIME rep today after the XXXX opening of my dispute being denied " He do not even know why the dispute was open and that I should only send money to people I trust and know. Maybe I should try to find the people to send me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: TX

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 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 efficiency mely 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 I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im writing to file a complaint against [ Collection Agency Name ] for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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. "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: NJ

Complaint narrative:
I was told that I could cancel up to 90 days I did but they took out a loan in my name and misrepresented my approval. I am disputing an account being reported by Omega RMS and verified by XXXX. The furnisher relies upon alleged electronic signature documents ; however, neither the furnisher nor the credit bureau has provided authentication evidence establishing who electronically executed the agreement. No IP logs, device records, timestamp verification, identity authentication records, or electronic audit trail documentation have been produced. Despite this lack of authentication evidence, the account continues to be reported as verified. I believe the credit bureau failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act and continues reporting information that is not fully authenticated or properly verified. I am requesting : a complete reinvestigation disclosure of the method of verification used deletion of the account if full authentication and verification can not be established

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
CFPB Debt Validation Complaint I am submitting this complaint regarding a debt that has been placed in collections and/or reported to my credit report by the above company. I am formally disputing this debt and requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ). The alleged debt amount, which I do not acknowledge as accurate or valid. This debt appears to stem from incorrect billing, misrepresentation, or lack of clear and consistent information provided by the original creditor and/or collection agency. I am requesting full validation of this debt, including all documentation that proves I am legally obligated to pay it. Request for Validation Please provide the following : The name, address, and contact information of the original creditor A complete itemization of the debt, including all fees, interest, and adjustments A copy of the original signed contract, lease, or agreement showing my legal responsibility Proof that this debt was legally assigned or transferred to your company Verification that your company is licensed or authorized to collect in my state Full payment history and accounting of how the balance was calculated The date of original delinquency and last payment made Dispute and Reporting Request Until this debt is fully validated : All collection activity must cease No continued reporting to credit bureaus should occur Any inaccurate credit reporting must be corrected or removed if validation can not be provided If you are unable to provide proper validation of this debt, I request that it be permanently deleted from all credit reporting agencies and marked as closed. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lyons, Doughty & Veldhuis, PC
State: DE

Complaint narrative:
Ive spoken with Lyons, Doughty & Veldhuis multiple times and Ive just been getting the same we dont care attitude. While still trying to garnish my wages on a fraudulent account. When I asked for proof of the original contract back in XXXX of this year the employee said We dont look for signatures because most accounts are made online. Well I reached out to XXXX XXXX and got the original contract and have proof that its not my hand writing at all but they still dont want to admit their mistake. Ill send a picture with the original contract with someone else using my name for the signature vs my social security signature and youll see its not the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am requesting CFPB assistance regarding the handling of a recently closed credit card dispute by Capital One concerning a floral arrangement purchase. I have been a loyal customer of Capital One for many years, consistently maintained my account in good standing, and rarely file disputes. Because of that history, I was extremely disappointed by the handling of this matter and the decision to deny my appeal despite significant concerns regarding the merchant 's credibility and supporting evidence. The merchant made statements during the dispute process that I know to be inaccurate and unsupported ( lies, if you will ). Specifically, the florist claimed to have contacted my wife, XXXX, regarding dissatisfaction with the flowers and was told by her that she was " very happy '' with the arrangement. This did not occur. I requested verification of this alleged communication, including : 1. The phone number called 2. Call logs 3. Dates and times of contact attempts 4. Any written communication To my knowledge, none of the documentation was provided or independently verified. Additionally, I also requested supporting evidence of photographs of the arrangement upon delivery because the arrangement was wide open and visibly starting to wilt. I do not believe the investigation adequately addressed whether the merchant 's claims were substantiated with objective evidence before my dispute was denied and closed. I respectfully request : 1. A full executive review of the dispute investigation 2. Copies of all documentation submitted by the merchant 3. Reopening of the dispute for reinvestigation 4. Clarification regarding what evidence standards were applied in denying my claim and appeal. As a longtime customer who has consistently honored my obligations, I am simply asking for a fair and properly documented review process. I am requesting CFPB assistance in obtaining a fair reinvestigation of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding Midland Credit Management for failing to properly update and correct inaccurate credit reporting associated with a settled collection account.

Company response to consumer: Closed with explanation