vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
I am disputing a collection account reported by Midland Credit Management for {$800.00}. This debt does not belong to me and the data reported is incomplete, inconsistent, and unverifiable. It appears on XXXX XXXX XXXX but is missing from XXXX, proving that this information is not accurately furnished a direct violation of FCRA 1681e ( b ).

Violations and Legal Basis 1 FCRA 1681e ( b ) : Requires maximum possible accuracy. Missing or contradictory data across bureaus demonstrates noncompliance.

2 FCRA 1681i ( a ) ( 1 ) ( A ) : Mandates a reasonable investigation using documented evidence, not automated verification.

3 FCRA 1681i ( a ) ( 5 ) ( A ) : Any unverifiable data must be deleted immediately and not reinserted without proof.

4 FDCPA 1692g : Midland must provide debt validation, including signed contract, billing history, and proof of assignment none have been provided. 
XXXX FCRA 611 : Requires credit bureaus to complete a lawful reinvestigation within 30 days ; failure to obtain original evidence violates this rule.

Details of Inaccuracy XXXX shows the account opened XX/XX/year> marked 'Consumer disputes account. ' XXXX lists the same account opened XX/XX/year> with no dispute notation. 
XXXX omits the account completely. 
Midland has failed to produce validation or proof of ownership as required under FDCPA 1692g. 
Requested Resolution I request the Consumer Financial Protection Bureau ( CFPB ) investigate Midland Credit Management and require both the furnisher and the credit bureaus to : XXXX. Provide full documentation of the alleged debt, including signed agreement, billing statements, and assignment chain ; or XXXX. If documentation can not be provided, mandate permanent deletion of this collection from XXXX XXXX XXXX. 
The continued reporting of unverifiable data constitutes outrageous and willful noncompliance under FCRA 616617 and FDCPA 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
It came to my attention that my person information was compromised in a data breach, i notice some accounts that I don't recognize. I am disputing the information in this FTC complaint as it appears on my credit profile. I would like validation of the debt to prove it belongs to first and last name. If the debt can not be validated I would like the debt to be removed from my credit profile. Please note verification is not validation.

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Hello, I believe theres been a misunderstanding in a recent dispute. PayPal treated me as the merchant/seller, but I was actually the buyer in this transaction. 

The other person sent me money so that I could purchase an item, which I did. The item was delivered to my address, and I uploaded proof of that delivery. After receiving the product, they opened a dispute to take the money back but I never sold them anything. 

I did not provide a product or service to them I was simply the buyer using the funds they sent me to make a purchase. The transaction record and proof I uploaded confirm this. 

Because of this misunderstanding, my account now shows a negative balance. I am requesting a case re review or balance correction so that PayPal recognizes that I am the buyer, not the merchant in this transaction. i was scammed and now my paypal is in the negative and i cant use till it get resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
* * Company : * * Goldman Sachs Bank USA ( Apple Card ) * * Product : * * Credit card or prepaid card - General-purpose credit card or charge card * * Issue : * * Problem with a purchase shown on your statement - Credit card company isnt resolving a dispute about a purchase on your statement * * Date of incident : * * XX/XX/year> * * Amount : * * {$78.00} * * Detailed description : * * On XX/XX/year>, I was charged {$78.00} by XXXX for an annual subscription that I did not authorize or intend to purchase. I had previously used XXXX during a free trial period for a single use and was unaware that a paid subscription would automatically renew. 

I discovered this unauthorized charge on XX/XX/year>, and immediately took the following steps : XXXX. Within XXXX hours, I requested a refund through Apples standard refund process - DENIED XXXX. I submitted a second refund request with detailed explanation - DENIED XXXX. I contacted XXXX XXXX by phone and explained the situation - They stated they could not help XXXX. I filed a dispute with Goldman Sachs XXXX Apple Card issuer ) explaining this was an unauthorized recurring charge - REJECTED XXXX. I filed a second dispute with Apple Card - REJECTED again XXXX. An Apple Card agent informed me this case is closed I believe my disputes were wrongfully denied for the following reasons : - I only used XXXX once during the free trial period and have not accessed any paid features since the charge occurred - I did not knowingly authorize an annual {$78.00} subscription - I reported the unauthorized charge within XXXX hours of discovery - I have received no value or benefit from this subscription - As a consumer, I have the right to dispute unauthorized recurring charges Goldman Sachs has failed to properly investigate my dispute and has denied me basic consumer protections under the Fair Credit Billing Act. Despite providing clear evidence that this was an unintended auto-renewal that I caught immediately, both Apple and Goldman Sachs have refused to issue a refund. 

I am requesting that the CFPB investigate this matter and require Goldman Sachs to properly review my dispute and issue the {$78.00} refund that I am entitled to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I had a issue with a dealership that I have already reported where i stated they have done me wrong because the info on the report is wrong and thats not what happened the car was paid off because the dealership sent the payment but XXXX took to long to put it and then on top of that they reported my credit without my consent because I never had the car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kingston Data & Credit International Inc.
State: FL

Complaint narrative:
I had a issue with a dealership that I have already reported where i stated they have done me wrong because the info on the report is wrong and thats not what happened the car was paid off because the dealership sent the payment but XXXX took to long to put it and then on top of that they reported my credit without my consent because I never had the car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
The Discover tradeline reports as Charged-off but continues to show a current balance and past-due amount, which is inaccurate and misleading. 

If Discover has sold or transferred the account, the balance must report as {$0.00} and the status updated to Transferred/Sold under XXXX XXXX and FCRA 623 ( a ) ( 1 ) ( A ). 

If Discover still owns the debt, the reporting should not show a charged-off status and an active balance at the same time, as this reflects conflicting information. 

Prior disputes were verified without providing any documentation to substantiate ownership, balance, or date of first delinquency ( DOFD ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I am the borrower for the mortgage loan serviced by Rushmore Services ( Loan No. XXXX ) for property located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

On XX/XX/XXXX, I submitted a complete loan modification application and received a written denial stating that the investor, XXXXXXXX XXXX XXXXXXXX, is not participating. around XX/XX/XXXX. After I escalated the issue XXXX XXXX asking Rushmore the contact for the investor and to send my reconsideration hardship to the investor, Rushmore responded that the denial was valid according to the investor guidelines provided by our centralization modification department. on XX/XX/XXXX I requested copies of the investors guidelines or restrictions used to deny my modification, but Rushmore has not provided them. Under 12 C.F.R. 1024.36 and 1024.41, a borrower has the right to obtain information relied upon in loss mitigation decisions, especially when investor restrictions are cited.

I am requesting that the CFPB require Rushmore to produce the investors written guidelines or policy regarding loan modifications for XXXXXXXX XXXX XXXX and to review my application in good faith consistent with federal loss mitigation regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Hello. This is in response to two listings on my credit report. Please be advised that LVNV FUNDING LLC has reported unvalidated debt to the credit bureaus ( XXXX XXXX XXXX XXXX XXXX. This may constitute fraud under both federal and state laws. Also, a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This is not a refusal to pay, but a complaint stating their claim is disputed and validation is requested. I respectfully request that LVNV FUNDING LLC provides competent evidence that I have a legal obligation to pay them. If LVNV FUNDING LLC fails to validate the debt, I will not hesitate in bringing legal action against them and/or their client ( if any ) for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If they are able to provide the proper documentation as requested in this complaint, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which can be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This include any listing of any information to a credit reporting repository that could be inaccurate or unvalidated. 

If they fail to respond to this request for validation and complaint, all references to these two accounts must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
I am formally disputing the accuracy, completeness, and legality of the following account appearing on my consumer credit reports : Account Name : National Credit Adjusters , L.L.C Original Creditor : XXXX XXXX Balance : {$330.00} Date Opened : XX/XX/2022 Status : Collection This tradeline is being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations include, but are not limited to : - FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Failure to maintain maximum possible accuracy.

- FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ] : Failure to reinvestigate disputed information within 30 days.

- FCRA 611 ( a ) ( 5 ) ( A ) : Requirement to delete unverifiable information.

- FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( b ) ] : Furnishing data known to be inaccurate. 
- FDCPA 807 and 809 [ 15 U.S.C. 1692e, 1692g ] : Misrepresentation and failure to validate alleged debts before reporting.

The reporting on this account is unverifiable, incomplete, and possibly re-aged in violation of FCRA 605 ( a ) [ 15 U.S.C. 1681c ].

If you can not verify this account with certified documentation from the original creditor bearing my signature, it must be permanently deleted from all credit files under FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with : 1. The results of your reinvestigation.

2. The name, address, and phone number of each furnisher you contacted.

3. Copies of any documentation used to verify the information.

If you continue to report unverifiable or inaccurate information, this will constitute willful noncompliance under FCRA 616617 [ 15 U.S.C. 1681n1681o ], and I will pursue all available legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NV

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has become a persistent source of mental and emotional strain. Ive enclosed the required evidence for immediate removal.

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 2025-10-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Volvo Car Financial Services U.S., LLC
State: GA

Complaint narrative:
I leased a Volvo vehicle and at the end of the lease Volvo Car Financial Services ( VCFS ) billed me {$690.00} for excess wear and tear. This charge is completely incorrect and abusive because I purchased and paid in full the Excess Wear & Tear Protection at the beginning of the lease ( {$990.00} ), which fully covers the amount they are now trying to collect. I also paid the standard lease-end disposition fee of {$350.00}, which is a separate contractual fee and not related to wear and tear. Volvo is attempting to charge me twice for the same lease return process.

I contacted VCFS multiple times by phone and was transferred from one call center agent to another without ever being allowed to speak to a supervisor. I sent several dispute letters with all my supporting documents, including a copy of the Excess Wear & Tear Protection contract and proof of payment, but Volvo ignored my evidence and never properly responded to my dispute. They also refused to contact the third-party company that administers the excess wear coverage to verify my claim, even though this would immediately prove the charge is invalid.

Despite my dispute, Volvo failed to validate or prove the debt as required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). By law, a company must provide proof and validation of a debt before attempting to collect or report it to the credit bureaus. Instead, Volvo continued collection activity without proof and illegally reported this disputed amount, causing serious and unjustified damage to my credit profile.

I am formally requesting that Volvo : 1. Provide legal validation and proof that I
owe this {$690.00} as required by federal law ; and if they can not, 2. Immediately remove this invalid charge and update my account to a {$0.00} balance 3. Delete all negative credit reporting related to this dispute 4. Send written confirmation of resolution Volvo must comply with federal law and can not continue to report or collect a debt they can not prove I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fl, XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Cease and Desist Unauthorized and Inaccurate Reporting Dear Credit Bureau Representative, I am writing to formally request that you cease and desist from reporting, sharing, or otherwise publishing any and all inaccurate, unverifiable, or unauthorized information on my credit file. 



XXXX XXXX XXXX XXXX Balance : {$780.00} date opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that all information furnished in my credit report is accurate, complete, and verifiable. I have previously disputed certain items on my report that remain inaccurate or have not been adequately verified within the time frame mandated by law.

As a result, I am now demanding that you immediately cease reporting these unverifiable accounts and remove any related information from my credit file. Continued reporting of these inaccuracies constitutes a willful violation of the FCRA and subjects your agency to potential civil liability.

Furthermore, I am instructing you to stop any further collection, communication, or dissemination of any disputed information to third parties unless and until it has been fully verified according to the FCRA.

Please provide me with written confirmation that the disputed and unverifiable information has been removed, and that you have ceased any further reporting or distribution of such data.

Failure to comply with this request will leave me no choice but to pursue all available remedies under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Thank you for your immediate attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The Capital One tradeline shows Account charged off and Account closed at consumers request, which are conflicting statuses. 

If the account was closed at my request, it can not simultaneously be charged off. 

Additionally, Capital One reports a balance of {$480.00} after charge-off, which is inaccurate under FCRA 623 and Metro 2 guidelines. If Capital One sold or transferred this account, the balance must show {$0.00} and the status Transferred/Sold.

Prior disputes were verified without documentation of ownership, balance accuracy, or date of first delinquency ( DOFD ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: IL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation