vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
Subject : MOHELAs Failure to Validate Debt, Concealment of Ownership, and Violations of FDCPA, FCRA, and UCC Summary of Complaint This complaint is submitted against MOHELA for failure to validate the alleged student loan debt, concealment of the lawful holder in due course, and refusal to provide ownership, payment, and securitization records, in violation of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Uniform Commercial Code ( UCC ), and California consumer protection laws. MOHELAs actions constitute willful noncompliance, dishonor, and bad faith conduct warranting enforcement, discharge, and restitution. 
Background On XX/XX/XXXX, I sent a certified letter titled Final Demand Validation, Securitization, Reporting Violations, and Dishonor, demanding lawful validation of the alleged account under 15 U.S.C. 1692g ( b ) and UCC 3-301 and 9-203.

MOHELA received the letter but failed to provide any of the requested documentation. Instead, on XX/XX/XXXX, they responded dismissively, labeling the dispute frivolous and irrelevant, and later claimed, we will respond as soon as our research is complete. As of this filing, MOHELA has not provided validation within the 30-day statutory timeframe. 
Violations XXXX. Failure to Validate Debt FDCPA & UCC No signed original promissory note or custodian-certified copy proving lawful ownership under UCC 3-301 .

No XXXX XXXXudit trail verifying authentication, timestamps, or attribution as required by 15 U.S.C. XXXX 

No chain-of-title, transfer, or assignment records under UCC 9-203 proving right to enforce.

No CUSIP number, securitization disclosures, or trust-level filings ( Pooling & Servicing Agreement or investor data ).

No accounting records showing whether the loan was paid, offset, or satisfied by Treasury, a guarantor, or any other party, and no IRS Form 1099-C to indicate debt cancellation. 

XXXX. Failure to Investigate and Report FCRA Violations Under 15 U.S.C. 1681s-2 ( a ) ( 3 ) and 1681i ( a ) ( 1 ) ( A ), furnishers must investigate disputes and mark the account as disputed.

MOHELA failed to do either, continuing to report the account as if undisputed, violating Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ). 

XXXX. Deceptive and Unfair Practices XXXX XXXX XXXX XXXX XXXX Dismissing a lawful dispute as frivolous despite full identifying information is a deceptive practice violating XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

MOHELAs refusal to validate while maintaining collection and reporting activity constitutes dishonor under UCC 1-308.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: AR

Complaint narrative:
This complaint serves as my formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a complete investigation of the items listed below and their removal within the legally mandated 30-day timeframe. Below are the accounts I believe to contain reporting inaccuracies. I respectfully request that a full investigation be conducted to verify and remove any erroneous information. Upon reviewing my credit report, I have identified the following entries that I believe to be incorrectly reported, unverifiable, or misleading : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXX/XX/year>

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 2025-10-06 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
I have reached out to XXXX  to dispute 33 Affirm accounts that are inaccurately reporting balances, even though these accounts have been charged off and sold to third-party collection agencies. I also contacted Affirm directly to obtain the third-party agencies contact information and have set up payment plans to bring all balances to zero within the next six months. Despite these actions, my credit report continues to show inaccurate and duplicate information, and neither Affirm nor XXXX  has provided a proper resolution to correct or update the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
Complaint filed by XXXX XXXX XXXX XXXX XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-06 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation.

Account Details in Dispute : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Date : XX/XX/year> Debt Collectors Name XXXX XXXX XXXX RE : Request for Debt Validation To Whom It May Concern, I am writing in response to a call I received on XX/XX/year> regarding an alleged debt. I am requesting that you provide validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the alleged debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A copy of the original contract or agreement bearing my signature, if applicable ; 4. Detailed account history, including the date and amount of all charges and payments ; 5. Proof that your agency is legally authorized to collect debts in my state.

Until you provide the information requested above, please cease all collection activities, including reporting this account to credit reporting agencies. 
This letter is not an acknowledgment or acceptance of the debt and should not be construed as such. I am merely requesting validation of the alleged debt. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
b'I sent a dispute to TransUnion related to a bankruptcy, and it was received by them on XXXX XXXX XXXX with the tracking number XXXX XXXX XXXX XXXX XXXX XXXX.    \n\nA section of the law is included in this dispute. I have not given you permission to access my credit profile, and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses equal to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX  years of imprisonment, in addition to civil liability.\n\nYou also do not have any permissible purpose to furnish my personal information to any third party. \n15 USC 1681b Permissible purpose of consumer reports\nIN GENERAL\nSubject to subsection , any consumer reporting agency may furnish a consumer report under the following circumstances and no other:\n(2) In accordance with the written instructions of the consumer to whom it relates.\n\nAs a consumer, I am demanding a deletion of the following Public Records XXXX XXXX XXXX.\n\nYour answer was "No change needed".'

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 2025-10-06 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: FL

Complaint narrative:
LVNV Funding Wage Garnishment Without Proper Notification or Court Summons Message : I am filing this complaint regarding a wage garnishment initiated by LVNV Funding LLC. I never received any prior court summons or notice regarding this debt before the garnishment began. Because of that, I was denied the opportunity to appear in court or dispute the validity of the claim. 

I am concerned that LVNV Funding obtained a judgment and wage garnishment order without proper service of process, which may be a violation of my rights under state law and the Fair Debt Collection Practices Act ( FDCPA ). 

I do not recall ever receiving documentation showing that LVNV Funding legally owns this debt or any detailed account validation. I believe this garnishment may be improper or unlawful, and I am requesting the CFPBs assistance in investigating the matter. 

Details : Debt Collector : LVNV Funding LLC Type of Issue : Wage garnishment without prior summons or notice Approximate Date Garnishment Began : XX/XX/year> Employer Name ( for wage garnishment ) : XXXX XXXX XXXX Case Number ( if known ) : XXXX Amount Being Garnished : XXXX XXXX of each paycheck. 
I am requesting that the CFPB investigate whether LVNV Funding followed proper legal procedures, including providing adequate notice and validation of the debt, before obtaining a wage garnishment order. I also request that this garnishment be paused or reviewed until proper documentation is provided. 

Thank you for your assistance and support. 

Sincerely, XXXX XXXX XXXX XXXX fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: AR

Complaint narrative:
This happen on or about XXXX XXXX through Crypto.com platform where Crypto kept the funds instead of sending the funds to XXXX XXXX XXXX  where the funds were never sent to the bank Cryto keep the funds. The two addresses where the funds went were XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Florida and XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXXNow my bank is asking me for those funds because the services were not given or rendered at the time of the services as promised. This falls on Crypto.com where I filed two complaints after each transaction with Crypto which they took my funds for themselves, the external address belongs to Crypto to defraud the consumer out of their personal information and the said allocated funds. The inheritance funds was supposed to be for recovery of lost funds and the amount was generated to a said bank account to assess the funds but after the ridiculous fees that was never implemented in thier terms and conditions before anything was done in this matter. I was never told about the fees before the company called XXXX XXXX which is Crypto themselves start working on fund recovery case for the consumer.Terms and Conditions were never implemented before a case was worked on it. According to the identity theft.gov I would be responsible if I did not report it within two business day but I reported it as soon as it happened on both cases on XXXX XXXX and XXXX XXXX. Crypto decide to update their XXXX  on XXXX XXXX this is after the fact of deceiving the consumer out of their personal information and said funds. The point is that the funds never left Crypto place of business that would travel to a place of business it stayed a the two places of business at Crypto. There were fees to be paid but terms and conditions were not present before they start working on the case if I knew that I would not have had True Claims Solutions work on anything because I did not have any said funds to generate this scam and fraud scenario but it falls on Crypto.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: Exeter Finance, LLC.
State: OH

Complaint narrative:
Hi my name is XXXX XXXX I am writing to delete the following information on my credit file. The items I need deleted are listed in the report enclosed with this letter. I am a victim of identity theft and did not make the charge. I ask that the items be deleted immediately to correct my credit report please. I reported the theft of my identity to the federal trade commission. Please delete the items as soon as possible, thank you very much XXXX XXXX XXXX XXXX EXETER FINANCE LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I try and pay off my credit card and I checked it was about {$120.00} left but a few months later it went up to about {$200.00} and something, it was supposed to be off the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: CL Holdings LLC
State: NC

Complaint narrative:
If you have verified this information as accurate, please provide method of the amount was verified and how youre reporting the past due balance if you can not provide this, please remove this from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I filed a fraud claim with wells fargo on XX/XX/XXXX due to multiple charges on my account using my debit card. before calling wells fargo i reported the theft of my phone and the fraud with the XXXX XXXX XXXX. the total was over XXXX XXXX I had stated to wells fargo fraud claim customer service that my phone was stolen in the XXXX XXXX  and i listed every transaction that was fraud. i also told them i had a police report they proceeded to take the police report number. on XX/XX/XXXX i had got an email from wells fargo stating my claim had been started. the claim was for XXXX but i knew immediately that they were missing transactions because there was over XXXX XXXX  in my account before the fraud and now there is 1 XXXX they were missing XXXX XXXX  in transactions on the claim. so i called the fraud department back and they said they added the transactions to the claim. They were only put into the notes of the claim. A couple of days later another email from wells fargo stating my claim had been closed. i called the fraud department back. they stated they denied the claim because some transactions were reported as fraud and some werent and that is inconsistent with fraud. i told them i in fact did report every single charge on the debit card and the rep that made the claim for me failed to report every transaction that i had given to her. He went into the notes and stated it says there is a police report but we have no received one. No one stated to me before that day that i needed to email them the report. i was asked for the number and i had given it. i emailed the report immediately.

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 monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX, IA XXXX Subject : Complaint against XXXX XXXX XXXX and its collection agencies for false debt reporting To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXX XXXX and its third-party collection agencies for falsely reporting a debt on my credit file. I have never used XXXX XXXX XXXX XXXX services and do not owe this debt. This false information is severely impacting my financial well-being. 

Summary of the issue : Original Creditor : XXXX XXXX XXXX XXXX XXXX : Credence Resource Account Number : XXXX Approximate Debt Amount : {$950.00} Detailed account of the situation : Despite never being a customer of XXXX XXXX XXXX, a false debt has appeared on my credit report. This has led to collection agencies pursuing me for payment on an account that does not belong to me. My identity and financial security have been put at risk by XXXX XXXX XXXX XXXX fraudulent record-keeping practices. 
As a 100 % total and permanent XXXX XXXX, I live on a fixed income. I can not afford to be victimized by predatory and fraudulent collection tactics used by a multi-billion-dollar corporation and its agents. I have no legal or moral obligation to pay for services I never received. 

Legal violations : XXXX XXXX XXXX and its collection agencies are in violation of federal law, including : Fair Credit Reporting Act ( FCRA ) : This act requires that credit reporting agencies and data furnishers like XXXX XXXX XXXX ensure information is accurate. Reporting and attempting to collect a debt for an account I never opened is a willful violation of this act. 
Fair Debt Collection Practices Act ( FDCPA ) : This act protects consumers from abusive and deceptive practices by debt collectors. Attempts to collect a debt not owed violate the FDCPA.

Resolution requested : I demand the following actions be taken immediately : Investigation and Removal : Conduct a thorough investigation into my complaint and require AT & T to cease all fraudulent collection attempts. 
Credit Report Deletion : XXXX XXXX XXXX XXXX and any associated collection agencies to have this false and disputed debt removed from all credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX 

Future Actions : Prevent XXXX XXXX XXXX from ever reporting this false debt again. 
Thank you for your attention to this critical matter. I look forward to a swift and just resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, CashApp suspended my account citing suspicious activity. I denied this allegation and requested documentation. Instead of providing evidence, CashApp permanently closed my account and is withholding my {$250.00} balance. 

I have repeatedly asked for an explanation and documentation of the alleged suspicious activity, but CashApp has not provided any. They continue to hold my funds without cause. 

I am requesting the release of my {$250.00} balance and a written explanation of CashApps policies regarding account closure and fund withholding. CashApps refusal to release customer funds or provide documentation raises serious consumer protection concerns.

Company response to consumer: Closed with explanation