vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
On XX/XX/year>, I sent a formal Debt Validation Request to Portfolio Recovery Associates regarding an alleged account. I requested full validation, including the original signed contract, chain of title, debt itemization, and proof of legal standing. To this date, the company has failed to provide any documentation. Despite this, they continue to report the account to the credit bureaus, which violates the FDCPA ( 15 U.S.C. 1692g ( b ) ) and FCRA ( 15 U.S.C. 1681s-2 ( b ) ). Their failure to validate and continued reporting has caused damage to my credit and placed me under unlawful collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding ongoing issues with my mortgage servicing by Shellpoint. Despite a denial on XX/XX/year> citing an approaching foreclosure sale and maximum modifications, a new acknowledgment on XX/XX/year> confirms my loss mitigation application, completed on XX/XX/year>, is under review with foreclosure protection until XX/XX/year>. However, a reinstatement quote of {$190000.00} due by XX/XX/year> was issued, and Shellpoint refuses direct communication, forcing me to deal through their attorney. The foreclosure sale, originally set for XX/XX/year>, was moved to XX/XX/year>, but this does not address my core issue. 

Shellpoint has engaged in dual tracking, processing foreclosure while my application was under review, and failed to validate the debt as required by law. They continue using incorrect names ( " XXXX '' instead of " XXXX '' ) despite legal name changes over 10 years ago. I filed a Verified Complaint in XXXX XXXX XXXX XXXX ( Case No. XXXX ) on XX/XX/year>, alleging violations of the California Homeowner Bill of Rights, slander of title, and intentional infliction of emotional distress, seeking debt cancellation or reduction. I request the CFPB investigate these practices, enforce debt validation, and mandate a reduction or cancellation of the {$190000.00} balance. 

Requested Relief

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Re : Request for Debt Validation To Whom It May Concern, I am writing in response to your [ letter/phone call ] dated [ date ] regarding the alleged debt you claim I owe. This is not a refusal to pay, but a notice that your claim is disputed and that I am requesting validation of the debt as provided for by the Fair Debt Collection Practices Act, 15 USC 1692g.

Please provide the following : The amount of the alleged debt and a complete accounting of how it was calculated. 


The name and address of the original creditor. 


A copy of the original contract or agreement bearing my signature.

Verification that you are licensed to collect debts in my state, and provide your license numbers and registered agent.

Proof that you have the legal right to collect this debt.

Until you provide the requested validation, you must cease all collection activities, including reporting this debt to credit bureaus. Be advised that failure to comply with this request will be considered a violation of the Fair Debt Collection Practices Act and my rights therein. 
I request that all future communications regarding this matter be made in writing only. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
ABLTY RECVRY Account Number : XXXX Please remove it from my credit report.

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 2025-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
The company has issued an interim response requesting additional time, but under the Fair Credit Reporting Act ( FCRA ) 1681i, the credit reporting agency is required to complete its reinvestigation within 30 days. If the furnisher can not verify the information within that legally mandated period, the item must be deleted from my credit file pursuant to 1681i ( a ) ( 5 ) ( A ).

A pending or delayed response from the furnisher does not suspend or override these legal timelines. Continuing to report information that has not been verified within the investigation window constitutes a violation of FCRA 623 ( a ) ( 1 ) ( A ) and may also amount to negligent or willful noncompliance under 616617.

I am therefore formally requesting that this account be immediately deleted from my credit report until and unless proper verification is provided in accordance with the law. Failure to act promptly will be viewed as a violation of federal law and may be subject to regulatory or legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
I need to make it absolutely clear that this complaint is not a mistake. My credit report contains serious inaccuracies that must be corrected. These errors are causing ongoing harm to me both personally and financially, and their continued presence is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I am writing to formally demand the correction and updating of inaccurate and misleading, and damaging and it continues to unfairly harm my financial standing and personal reputation. 

I have already provided accurate documentation to the relevant credit reporting agencies and creditors, yet the errors remain uncorrected. This constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681, which guarantees consumers the right to fair, accurate, and timely credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
So I have a duplicate charge on my sofi online bank account. I got charged twice {$3000.00} back to back. I am trying to resolve it with sofi bank but I am not sure how long its going to take it. I should have only had the {$3000.00} charge once but I got charged twice. So it seems like its a duplicate charge but due to the dollar amount i wabt your companies help to retrieve my money. Sofi bank is my bank and the name of the transaction is every. And everi charged me twice The XXXX transactions posted on XX/XX/year> for {$3000.00} and one of them is a duplicate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
I am writing to formally demand that you cease all communication with me, whether by phone, mail, email, or any other means, regarding the above-referenced account. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to request that a debt collector stop contacting me. 

Furthermore, any further attempts to contact me, including but not limited to reporting this account to credit reporting agencies, will be considered a violation of the FDCPA. In XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 2016 ), the court held that reporting to credit bureaus is considered a medium of communication subject to a cease-and-desist request under the FDCPA. Therefore, if you continue to report this account to any credit reporting agencies after receipt of this letter, I will pursue all available legal remedies. 

Please be advised that failure to comply with this demand may result in legal action being taken against your company, and I will seek damages and attorney 's fees as provided under the FDCPA. 

I trust you will honor this request promptly. If you believe you are not the appropriate party to receive this notice, please forward it to the correct party and provide me with confirmation. 

Sincerely, XXXX XXXX XXXX

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: CA

Complaint narrative:
I been with XXXX for XXXX to 4 years. I have paid on time and got a credit limit up to XXXX. Im never late and when I go to buy something using XXXX majority of the time its denied and I have a credit limit that's got lot of unused credit just sitting. Payments never late. XXXX needs to be investigate on how they treat their customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
I was contacted by this company and told that a prior debt collector was suing me for fraud, and that I needed to respond before a case was filed. When I called the number back, they claimed they were attorneys retained by another debt collector. During that call, I was pressured into making a payment and was told a XXXX agreement would be sent to me. The agreement contained only a lump-sum amount that included supposed legal fees that doubled the balance from about {$800.00} to over {$2000.00}, but it provided no breakdown of the debt and no evidence that any case was actually filed. Later, when I pressed for more information, they admitted they are debt collectors and told me I can call down the chain of debt collectors to find they are the new debt collectors, a law firm. The debt is not listed on my credit report, and they refused to provide proper validation. 

They have also repeatedly contacted associates, leaving voicemails disclosing my full name, date of birth, last four digits of my Social Security number, my account details and my payment plan. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from sharing personal or debt-related information with third parties. I have retained copies of these voicemails, and the recordings are available upon request. I can also request them directly from the phone company if needed. 

I believe these actions are serious violations of my rights under federal law, including : Misrepresentation and false threats of a lawsuit ( 807 of the FDCPA ).

Failure to provide proper debt validation ( 809 of the FDCPA ).

Unlawful disclosure of debt information to third parties ( 805 ( b ) of the FDCPA ).

Unfair or unconscionable means of collection ( 808 of the FDCPA ).

I respectfully request that this matter be investigated, that the debt be deemed invalid and removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-01 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: NJ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX

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 2025-10-01 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: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I dispute the XXXX XXXX XXXX public record reported on my credit file ( filed XX/XX/2024, Ref # XXXX ). this information is inaccurate. 

I previously disputed this entry with the Transunion, Experian and Equifax. They claim to have verified it, but no supporting documentation, docket number, or copy of the alleged court record was provided. Simply stating verified without producing the actual underlying documentation does not meet the requirements of the Fair Credit Reporting Act ( FCRA ).

15 U.S.C. 1681i ( Section 611 ) : A consumer reporting agency must conduct a reasonable reinvestigation and provide the consumer with the method of verification, including the name of the person or entity contacted to verify the information.

15 U.S.C. 1681e ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy of the information they report.

15 U.S.C. 1681k : For public record information used for credit, the CRA must either ( a ) notify the consumer immediately when such information is reported, or ( b ) maintain strict procedures to ensure the information is complete and up-to-date.

15 U.S.C. 1681s-2 : Furnishers of information have a duty to correct and delete inaccurate information.

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 2025-10-01 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This is not a valid account and must be removed without delay. I never authorized it. Documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
To Whom It May Concern : This letter serves as notice that your claim regarding an alleged debt is disputed and validation is requested, not a refusal to pay. This request is made under 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

I request written validation of the debt, including : The exact amount of the alleged debt.

The name and address of the original creditor.

Documentation proving my legal obligation to pay.

Verification that the debt is within the statute of limitations. 
A copy of the last billing statement from the original creditor. 
Until validation is provided, cease all collection activities and communication, including reporting to credit bureaus. If already reported, notify credit agencies that the debt is disputed. Collecting without validating is a violation of the FDCPA. I am keeping records of all correspondence. 
I await your response within the legally required timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I used my debit card at an auto glass shop for {$380.00} for my new XXXX XXXX that Navy Federal is financing for me. Within just DAYS of the purchase, I discovered a crack on the windshield. I couldnt even find the source of the crack, and the shop had led me to believe the windshield was XXXX quality. The merchant even promised me a discountbut then completely disappeared on me. 

So naturally, I disputed the charge with my bank, who is SUPPOSED to be on MY side and protect MY money. Instead of protecting me, Navy Federal turned this into a nightmare. They asked me to submit documentationI sent the text messages through their own portal. Then they had the audacity to claim I never submitted proof, even though I can SEE the proof in my messages ( it may have been under a different thread, but it was there! ).

I called over and over, and every single agent told me the same thing : Send another message through the portal with the texts attached, ask for the case to be re-opened, and the dispute team will re-open it. I followed their instructions EXACTLYonly to then be told flat-out : We will not be re-opening this case.

So now Im left paying for a defective windshield, abandoned by the merchant, AND abandoned by the very bank that financed my XXXX and promised to protect me. This is beyond frustrating and completely unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
I regularly monitor my credit report because maintaining my credit score is very important to me, yet I continue to see inaccurate and false information being reported. This has been a recurring issue that has not been resolved despite multiple attempts to have it corrected. The persistence of these errors is stressful, exhausting, and has been unfairly harming both my credit standing and my quality of life.

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