vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Credit Acceptance Corporation XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Request for Debt Validation / Account Related to Vehicle Repossession To Whom It May Concern : I am writing in regard to an item on my credit report that you claim is related to a vehicle repossession. I am formally requesting validation of this alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation : 1. A copy of the original signed contract establishing the debt.

2. A complete payment history, including the dates and amounts of all charges, payments, and credits. 3. A copy of the repossession order, including the date and location the vehicle was taken.

4. Proof that your company has the legal right to collect this debt, including a full chain of assignment from the original creditor to your company.

5. The name and address of the original creditor, if different from your company.

6. Proof that the debt is not time-barred by the statute of limitations in the XXXX XXXX XXXX 
Please be advised that due to a prior instance of attempted identity theft, any contract you provide must be accompanied by documentation that the signature has been professionally verified to be mine. I take this matter very seriously and will not accept any unverified documents as evidence of liability. 
Under the FDCPA, you are required to cease all collection activity until you provide proper validation of this debt. If you are reporting this account to any credit reporting agencies, I request that it be marked as " Disputed '' during the investigation. 
If you are unable to provide the requested documentation, you must remove this account from all credit reports and cease any further attempts to collect. 
This is not a refusal to pay, but a request for validation. I expect a response within 30 days of receipt of this letter. 
Sincerely, 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 2025-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I have submitted School Misconduct applications multiple times and this is my last time before letting this loan default. I am not paying for this fraud anymore. You either accept my school misconduct application submitted on your website with ample proof I was robbed or Im letting it default. Im not dealing with people anymore. I have been defrauded Ive paid enough into this Im done. You are not my original servicer I dont know you and Im not paying a dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Dear Sir/madam, I am writing to formally file a complaint regarding misleading and deceptive communication I received from Portfolio Recovery LLC agency regarding my outstanding debt.

Several months ago, I was contacted by a representative from Portfolio Recovery Associates , LLC regarding a debt totaling approximately {$3700.00}. During that call, a female representative offered me a settlement plan in which I would pay approximately {$2000.00} over time, with monthly payments of {$99.00}. I accepted this offer in good faith and began making the agreed payments. 
However, I have recently discovered that I am now being charged and required to repay the full original amount of the debtdespite your representatives clear verbal offer of a reduced balance settlement. At no point was I told that the settlement terms would not be honored, nor was I informed of any changes or reversal of the agreement. 
Additionally, I was dismayed to find that Portfolio Recovery Associates , LLC agency has reported this debt as a derogatory mark on my credit report to agencies such as XXXX XXXX XXXX  severely damaging my credit score. This reporting appears to be an attempt to extract the full amount of money from me under false pretenses, despite the original settlement terms that were presented and agreed upon. 
This experience has caused significant confusion and distress. I believe this constitutes deceptive or unfair debt collection practices and may be a violation of both the Fair Debt Collection Practices Act ( FDCPA ) and XXXXXXXX XXXX XXXXXXXX Fair Debt Collection Practices Act.

I respectfully request : 1. 2. A full investigation into this matter.

A copy of all communication or agreements associated with my account ; 3. 4. 5. A written response explaining why the settlement offer was not honored.

Restoration of the originally agreed-upon settlement
amount and terms, if no written agreement to the contrary exists.

Immediate correction and removal of any derogatory marks reported to XXXX XXXX or any other credit reporting agencies. 
Thank you for your attention. I expect a written response of receipt of this letter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
We have our account to where we can not be overdrafted, and those charges always deny - except overnight during a bank holiday XX/XX/year>, where XXXX charges were allowed to process and put me in the negative by {$300.00}. 

When those charges were processed, my app told me I had the funds to cover them. I did not receive any charge denials/rejection notices when processing them. 

When following up with Wells Fargo, they advised me : despite multiple employees telling me that the app shows real-time banking information, that it is NOT actually real-time, and we need to pay the negative balance. 

Escalations just keeps telling me the system decided to process those transactions regardless, and offer no real explanation for why or how. 

I had asked the escalations expert if multiple employees telling us bad information and leading us to go in negative meant we still had to just pay it, and he said yes. This can't be right. This should have never been allowed. 

This doesn't even cover the discrimination I faced when we spoke to an escalations expert first - the one I spoke to now says 'feedback was sent ' - I dont know if 'feedback ' covers discrimination. The guy refused to speak with me even after verifying my information, without my husband 's permission, and threatened to hang up if he didn't give me permission. That is blatant sexism. Please tell me there is more than 'feedback ' for this.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
This letter serves as formal notice of dispute regarding the USAA accounts being reported under my credit file as both charged off and simultaneously open with a monthly balance. This is not only materially misleading but also a direct violation of : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must report accurate and complete information. Reporting an account as both charged off ( meaning written off as a loss ) and open with a revolving balance is contradictory and misrepresents my financial obligations.

IRS Form 1099-C Cancellation of Debt regulations : Under IRS rules, when a creditor writes off debt as uncollectible and charges it off, a 1099-C is required for tax reporting. USAA charged off this account in XX/XX/year>, triggering their obligation to issue a 1099-C. 

DEMANDS AND QUESTIONS : Sworn Affirmation Please swear or affirm whether USAA is acting solely as a bank, a debt collector, or both, under 15 U.S.C. 1692a ( 6 ) of the FDCPA.

1099-C, Bill of Sale , and Chain of Custody Why has USAA failed to provide the 1099-C, Bill of Sale, and Chain of Custody despite multiple requests? Under the Fair Credit Reporting Act and IRS regulations, these documents are mandatory upon charge-off and subsequent collection or transfer. 

Detailed Explanation Required Provide a detailed explanation outlining : How a charged-off account can legally continue reporting as an open account with a monthly balance, and What legal, tax, and reporting implications this carries for me as a consumer, given that the account has been written off for tax purposes by USAA. 

Previous Investigations Please provide copies of all prior investigations, verification documents, and correspondence relating to this tradeline since its reporting inception. 

RELIEF SOUGHT : I am requesting immediate deletion or correction of this tradeline to reflect {$0.00} balance, closed status, and issuance of the 1099-C to resolve all legal, reporting, and tax obligations per federal law.

Failure to comply with these demands within 30 days will result in further legal action including : Filing a formal complaint with the Office of the Comptroller of the Currency ( OCC ) Litigation under 15 U.S.C. 1681n for willful non-compliance, misleading reporting, and damages for continued misrepresentation adversely impacting my credit standing. 

This is a final good faith attempt to resolve this matter without litigation. Please update all relevant credit bureau reports accordingly and send written confirmation of resolution. 

Sincerely, 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 2025-07-09 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: NJ

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account.

Please note that I request all future communication regarding this matter be conducted in writing.

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NJ

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account.

Please note that I request all future communication regarding this matter be conducted in writing.

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK
State: TX

Complaint narrative:
On XX/XX/year>, I logged into my East West Bank account and was shown a small pop-up message that said something like " fraud alert. '' I clicked OK, and the message disappeared. 

I was then shocked to see my account balance had dropped to around {$380.00}. I had over {$280000.00} in my account prior to this. Upon reviewing the transaction history, I discovered a series of unauthorized XXXX transfers. 

Suspicious transactions : ( XXXX ) XX/XX/year> : Credit {$0.00} ( XXXX ) XX/XX/year> : Credit {$0.00} ( XXXX ) XX/XX/year> : Debit {$0.00} ( XXXX ) XX/XX/year> : Debit {$100000.00} ( XXXX ) XX/XX/year> : Debit {$100000.00} ( XXXX ) XX/XX/year> : Debit {$50000.00} ( XXXX ) XX/XX/year> : Debit {$32000.00} ( XXXX ) XX/XX/year> : Debit {$1000.00} All these transfers were labeled XXXX XXXX XXXXXXXX XXXX, indicating they were sent to XXXX XXXX. I did not authorize any of these transactions. 

I immediately reported the fraud to East West Bank at their XXXX XXXX, TX branch. The bank was able to stop the last {$1000.00} debit. However, the previous {$280000.00} in unauthorized debits had already cleared. 

As advised, I filed a police report with the XXXX XXXX XXXX XXXX  and also submitted a complaint at www.ic3.gov. 

After about XXXX weeks, on XX/XX/year>, the missing funds were returned to my account by the bank. However, East West Bank refused to provide me with their investigation findings or an explanation of how this breach occurred. 

As a victim of this fraud, I believe I have a right to know how my account was compromised, how the bank responded, and what steps have been taken to protect my funds in the future. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Good day, Upgrade account number : # XXXX I purchased a used XXXX XXXX at XXXX on XX/XX/XXXX. The finance company UPGRADE. tel : XXXX received my financed account with a principal amount due of XXXX. The interest rate of 6.54 % with 72 months. The monthly payment is XXXX with the first payment due XX/XX/XXXX. 

XX/XX/XXXX {$370.00} Here is how they posted my payment, my dispute is the amount of interest they took. 

POSTED {$190.00} Principal {$180.00} Interest {$0.00} Late Fee {$0.00} NSF Fee According to my calculations at 6.54 % rate the interest should of been at XXXX I have called and sent emails and the representatives are not helping. 

Second payment XX/XX/XXXX is correct : Principal {$260.00} Interest {$110.00} Although I am going to refinance my loan with my credit union, how can I can remedy to this? 

I appreciate your help. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I am submitting this complaint because there is an unresolved and materially inaccurate charge-off being reported on all three of my credit reports by XXXX XXXX  under account number XXXXXXXX XXXX XXXX XXXX XXXX, with a date of XX/XX/year>. While this account is listed as a charge-off, the balance and past-due amount both reflect {$0.00}. This is highly misleading, and the continued presence of the derogatory status is not only outdated but legally inappropriate under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, specifically Section 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy of the information they report. That clause is not vague it requires more than simply pulling data from a creditor. It demands that the context, completeness, and accuracy of the record be upheld. When an account has been paid or resolved to a {$0.00} balance and {$0.00} past due, continuing to display it with the derogatory " charge-off '' label, without clarification or removal of the derogatory impact, fails to meet this standard. This charge-off, while technically accurate in the past, no longer reflects the true status or risk of the account, and therefore its presence in the current derogatory category misrepresents my creditworthiness and violates the maximum possible accuracy principle. 

Additionally, under Section 1681i ( a ), when a consumer disputes an item and provides evidence of inaccuracy or misleading presentation, the bureau must conduct a reasonable reinvestigation. In this case, I have submitted multiple disputes requesting that this charge-off either be updated to reflect its fully paid and resolved nature or removed if the derogatory label continues to apply and yet the account remains without appropriate contextual correction. 

This reporting practice, in its current form, is punitive beyond its justified timeframe. It severely distorts my credit profile, deters lenders from approving applications, and has even contributed to higher interest rates. I have worked hard to resolve my obligations, and yet I am being indefinitely penalized for a balance that no longer exists and a debt that is no longer in default. That is not only unfair it directly contravenes the FCRA 's purpose to ensure that reports are a fair and accurate representation of a consumer 's current credit standing.

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 2025-07-09 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Account Number XXXX Balance : {$0.00} DEPT OF ED Account Number XXXX Balance : {$3900.00} DEPT OF ED Account Number XXXX Balance : {$3200.00} XXXX XXXX XXXX  Account Number XXXX Balance : {$2100.00} XXXX XXXX  Account Number XXXX Balance : {$160.00} XXXX  Account Number XXXX Balance : {$640.00} Inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
* * Date of Claim with Chase Bank : * * XX/XX/year> * * Merchant : * * XXXX XXXX * * Disputed Amount : * * \ {$110.00} * * Chase Case Resolution Date ( as stated by bank ) : * * XX/XX/year> I am filing this complaint against JPMorgan Chase for failure to conduct a thorough and good faith investigation under * * Regulation XXXX ( XXXX XXXX XXXX ) * * regarding an unauthorized or improper electronic funds transfer. 

On XX/XX/year>, I filed a claim with Chase Bank regarding a charge from XXXX XXXX in the amount of \ {$110.00}. I informed Chase that XXXX XXXX charged me for a service that I did * * not receive * *. The XXXX XXXX location indicated they would perform the repair in-house, but later insisted my vehicle be sent to a third-party electronics specialist for completionsomething I neither authorized nor expected. 

Despite notifying Chase that I * * never received the services paid for * *, Chase instructed me that I would need to obtain a copy of a * * repair bill from a third-party electronic shop * * to validate my claim. This shop was not part of my original agreement with XXXX XXXX, and I am being asked to * * pay for an additional service * * just to obtain documentation for a refund on work that was never done. This is unreasonable and inconsistent with the intent of Regulation E, which * * does not require a consumer to prove fraud or pay out-of-pocket to validate a claim * *. 

Chase temporarily credited the amount to my account but indicated that if I do not obtain documentation from XXXX XXXX or this third-party shop ( which again, was never disclosed to me ), the credit may be reversed. 

This places an unfair and unlawful burden on me as the consumer. * * Regulation E * * requires banks to * * promptly investigate * *, * * resolve disputes within 10 business days * *, and base their decisions on a good-faith investigationnot on requiring the consumer to do investigative work or incur additional costs. 

I am requesting that the CFPB intervene to ensure : 1. * * Chase completes a full and independent investigation * *, consistent with Regulation E requirements. 
XXXX. I am not required to make additional purchases or retrieve third-party documents that were never part of my transaction with XXXX XXXX XXXX 
3. Chase provides documentation of how their investigation was conducted and what it relied upon in reaching its conclusion.

This experience has caused stress and financial hardship, and I believe Chase has failed in its legal obligations under federal banking regulations. I respectfully request the CFPB to review this matter and ensure my rights are protected. 

\

Company response to consumer: Closed with explanation