vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: NATIONAL DEBT RELIEF LLC
State: MD

Complaint narrative:
Subject : Complaint Against National Debt Relief Wrongful Cancellation Caused Delays and Financial Harm Dear Consumer Financial Protection Bureau, I am filing this complaint regarding a recent issue with National Debt Relief ( NDR ). I was an active participant in their debt settlement program and on track to complete the process by XX/XX/year>. I reached out to NDR at one point to ask a general question about potentially canceling the program, but I did not request that my services be terminated.

Instead of responding to my inquiry, NDR abruptly canceled my account without notice or confirmation. This wrongful action forced me to restart creditor negotiations, caused delays in my progress, and further harmed my credit due to interest and penalties that resumed on accounts being settled.

After raising concerns, NDR has since reinstated my program. However, the damage caused by their error is already done. I lost critical time, faced increased financial stress, and have had to rebuild progress I had already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX XXXX at XXXX am a XXXX XXXX XXXXXXXX ) tried many times to get money from my cashapp they denied the {$1500.00} {$2500.00} {$990.00} all these but when she tried for {$1000.00} they approved it There saying I gave this person permission I did not I don't even know this person Claim was XXXX i need help please I haven't given any body access to my cashapp My number is XXXX thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Figure Technologies, Inc
State: FL

Complaint narrative:
We had applied for and received a HELOC from Figure Lending, LLC in late XXXX ( around late XXXX XXXX XXXX, respectively ) in the amount of {$80000.00} ; Shortly thereafter we started receiving notifications that our Property was designed by FEMA to be in XXXX XXXX XXXX XXXX XXXX and we were required by law to carry flood insurance. 

Our Property is designated in XXXX XXXX. 

We immediately communicated this to the company on XX/XX/XXXX and multiple dates afterwards. 

The FEMA paperwork was re-requested by us ( the Homeowners ) at the cost of {$420.00} and provided once again to me on XX/XX/XXXX, that the property is classified as XXXX XXXX. 

Despite numerous calls and emails to Figure Lending, LLC we continue to receive notices and are unnecessarily getting imposed Flood Insurance on our loan in the amount of {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MA

Complaint narrative:
What happened? 
I am filing a formal complaint against Portfolio Recovery Associates regarding an account they are reporting on my credit profile tied to XXXX XXXX. ( Account # : XXXX ), with an alleged balance of {$1400.00}. I dispute the validity of this account as I have no contractual agreement, no prior relationship, and no financial dealings with either Portfolio Recovery Associates or XXXX XXXX. regarding this debt. 

This account is being reported inaccurately and unlawfully, in direct violation of the Fair Credit Reporting Act ( FCRA 1681s-2 ( b ) ) and Fair Debt Collection Practices Act ( FDCPA 1692e, 1692f, and 1692g ). The company has failed to provide : A signed original agreement with the creditor, Proof of legal ownership or assignment of the debt, Proof of authorization to operate or collect in my state, A full and complete accounting history of the alleged debt, and Proper validation within the 30-day period as required under FDCPA 1692g ( b ).

This account has never been verified and is completely unrecognized by me. Its continued reporting is causing serious financial harm, emotional distress, and affecting my health. It is also a potential act of mail fraud, and I consider this collection attempt as harassment. 

In addition, I am invoking my rights under federal consumer protection laws to demand an immediate cease and desist of any further collection efforts or communication regarding this alleged debt. You are legally required to honor this request. Continuing to contact me or report this unverifiable debt will constitute willful noncompliance under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
Mohela is my student loan provider. On XX/XX/XXXX I received a letter from them about discharging my loan because I qualified for the PLSF program. I was also told I overpaid, and that information will be sent to the department of treasury. It is now the middle of XX/XX/XXXX and I called the department of treasury and the department of education to see what is the status, and according to both they have not received anything from MOHELA. I have called MOHELA multiple times and each time they tell me I have to wait 90 days or sum to 10 business days, and the last time I spoke to MOHELA was the beginning of XX/XX/XXXX and they told me to wait another 7 to 10 business days because they recently subitted my information to the department of education. Again, that is false because I called the department of education and they have not received anything as of XX/XX/XXXX. And according to the department of education, the overpayment that I made is different than what MOHELA has informed me. I believe MOHELA has no more funds to return the money back to me and someone needs to look into this. I also believe it has to be from the top meaning the CEO or the executives are mis-using the money. All the executives at MOHELA needs to be looked at.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under 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 2025-04-14 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: NV

Complaint narrative:
Subject : Request for Debt Validation Pursuant to 15 U.S.C. 1692g and Related Provisions To Whom It May Concern, Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am exercising my right to request validation of the alleged debt you claim I owe. Until such validation is provided, you must cease collection efforts.

Facts and Conclusions of Law : Under 15 U.S.C. 1692g ( b ), a consumer has the right to request verification of a debt within 30 days of receiving notice from a debt collector. Once requested, all collection activities must cease until verification is mailed to the consumer. 

I am asserting my right under this statute and demanding that you provide : The amount of the alleged debt ; The name of the original creditor ; A copy of the original agreement or documentation bearing my signature or otherwise evidencing my obligation ; Documentation that establishes your authority to collect this debt. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any item of information in their file, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

Additionally, per 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Failure to verify the information requires its deletion. 

Therefore, any credit reporting of this alleged XXXX debt that is not fully verified is in violation of the FCRA and should be removed immediately or marked as disputed until such time as proper verification is provided. 

Conclusion : You are hereby notified to validate this debt in compliance with 15 U.S.C. 1692g ( b ). Until then, cease all collection activity and ensure that any current or future credit reporting reflects the account as disputed pursuant to 15 U.S.C. 1681i.

Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may result in civil action under the FDCPA and 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 2025-04-14 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: NV

Complaint narrative:
Subject : Request for Debt Validation Pursuant to 15 U.S.C. 1692g and Related Provisions To Whom It May Concern, Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am exercising my right to request validation of the alleged debt you claim I owe. Until such validation is provided, you must cease collection efforts.

Facts and Conclusions of Law : Under 15 U.S.C. 1692g ( b ), a consumer has the right to request verification of a debt within 30 days of receiving notice from a debt collector. Once requested, all collection activities must cease until verification is mailed to the consumer.

I am asserting my right under this statute and demanding that you provide : The amount of the alleged debt ; The name of the original creditor ; A copy of the original agreement or documentation bearing my signature or otherwise evidencing my obligation ; Documentation that establishes your authority to collect this debt.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any item of information in their file, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

Additionally, per 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Failure to verify the information requires its deletion.

Therefore, any credit reporting of this alleged XXXX  debt that is not fully verified is in violation of the FCRA and should be removed immediately or marked as disputed until such time as proper verification is provided. 

Conclusion : You are hereby notified to validate this debt in compliance with 15 U.S.C. 1692g ( b ). Until then, cease all collection activity and ensure that any current or future credit reporting reflects the account as disputed pursuant to 15 U.S.C. 1681i.

Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may result in civil action under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services
State: MD

Complaint narrative:
Called about the loan and stated that the information was incorrect due to me living in XXXX XXXX During the time period I did not have a license to drive to XXXX  and get the vehicle. I was informed that this vehicle was in my name, all mail was changed and immediately forwarded to my mother house. She stated that there was a letter from this car place stating that a car balance was due, or the car would be repossessed. A week later she also informed me about lendmark sent a letter attempting collect XXXX which to be a portion of the debt for this vehicle that I stated years ago was never agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] Date : [ Insert Date ] To : [ Insert Bureau Name e.g., XXXX, Equifax, or XXXX ] [ Insert Bureau Mailing Address ] Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX | Account # XXXX To Whom It May Concern, I am submitting this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S. Code 1681s-2, regarding inaccurate and misleading information being reported by XXXX XXXX XXXX XXXX XXXX XXXX under the account number XXXX. 

Despite a previous reinvestigation, this account has been falsely marked as verified and accurate on my consumer credit file. I must stress that this is not the case. The following are clear and verifiable errors that violate your obligation to maintain and report only complete and accurate consumer information : Identified Inaccuracies : Inaccurate Last Active Date : Reporting XX/XX/XXXX and XX/XX/XXXX, both are contradictory and incorrect. 
Incorrect Date Opened : Reported as XX/XX/XXXX, which is inaccurate. 
Account Balance : Showing {$12000.00} when account is in fact closed and shouldnt be reported a balance that violates 15 U.S. Code 1681s-2, though the account is closed this is misleading and harmful. 
False Reporting Date : Account shows being reported as of XX/XX/XXXX, a future date and factually impossible. 
Missing Loan Term : The account lists a loan term duration of XXXX, which is inaccurate and incomplete reporting. 

As this account is being reported with multiple factual errors and continues to appear on my consumer credit report after notice and confirmation of these issues, this constitutes a clear violation of your duties under 15 U.S.C. 1681s-2 ( b ). 

I am requesting the following : 1. A complete reinvestigation of the information being reported. 
2. Immediate deletion or correction of all inaccurate data listed above. 
3. Copies of all supporting documents used to verify the accuracy of this account, including : Original loan agreement bearing my signature Full payment history Notice of default Notice of repossession Notice of sale Surplus or deficiency letter with calculation Vehicle condition report at time of repossession Bill of sale or purchase License of original creditor to originate and service the loan If you are unable to verify this account with proper documentation and correct the reporting errors promptly, I demand that it be completely removed from my credit file to prevent further damage and to avoid legal escalation. 

Thank you for your attention to this matter. I look forward to your written response within the 30-day time frame as required by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I requested debt validation with no response. In addition, I draw your attention to the recent case XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), which directly addresses the obligation of creditors and debt collectors under the FCRA. In this case, the court ruled that when a debt collector reports information that can not be properly verified or substantiated, they are in violation of the FCRA and liable for damage caused to the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation