vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
This notice serves as my formal refusal to pay the alleged debt you claim to be collecting. Pursuant to the Supremacy Clause, federal law governs and supersedes any conflicting state law or internal corporate policy. Your agency is strictly bound to comply with the Fair Debt Collection Practices Act ( FDCPA ) and related federal consumer protection statutes. Your conduct demonstrates clear violations of federal law, including but not limited to : XXXX. 15 U.S.C. 1692b ( 2 ) : Improperly representing that a consumer owes a debt. XXXX. 15 U.S.C. 1692c ( a ) : Communicating without my prior consent. XXXX. 15 U.S.C. 1692d : Engaging in harassing or abusive conduct in collection efforts. XXXX. 15 U.S.C. 1692 ( a ) : Invasion of consumer privacy. 5. 5 U.S.C. 552a ( b ) : Unauthorized disclosure of personal information without written consent. XXXX. 15 U.S.C. 1692e ( 10 ) : Use of false, deceptive, or misleading means in debt collection. XXXX. 15 U.S.C. 1692e ( 6 ) ( B ) : False representation that transfer or sale of a debt changes consumer protections. XXXX. 42 U.S.C. 408 ( a ) ( 8 ) : Unauthorized use or disclosure of my Social Security number. XXXX. 18 U.S.C. 3571 ( c ) ( 3 ) : Federal penalties applicable to unlawful conduct. Accordingly, the alleged account must be removed immediately from all consumer reporting agencies. Additionally, you are hereby required to produce the following documentation : XXXX. Complete and dated chain of title for the alleged account ; XXXX. The assignment agreement and legal proof of transfer ; XXXX. The original signed agreement bearing my signature ; XXXX. Evidence of your agencys legal ownership or standing to collect ; XXXX. IRS XXXX XXXX reflecting any discharge of debt ; XXXX. All pooling and servicing agreements or trust documents evidencing securitization or transfer ; XXXX. The full account history from origination through present. You are further directed to cease and desist from all collection activity regarding this alleged debt, including calls, texts, emails, letters, and reporting to consumer agencies. Any further contact will constitute additional violations of 15 U.S.C. 1692c ( c ). Due to your unlawful and deceptive conduct, I demand that this alleged debt be waived and discharged in full. Your repeated violations of federal law justify this demand. An invoice for damages incurred as a result of your violations accompanies this notice. Failure to comply will result in immediate escalation, including regulatory complaints and civil litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: Kovo
State: GA

Complaint narrative:
I am disputing the accuracy of a Kovo account being reported on my credit report. It is listed as Late 120 Days, which is inaccurate. I have never received proper validation or documentation supporting this reporting, nor have I received notice of the delinquency in accordance with the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ). I am requesting that the CFPB investigate Kovos reporting and require the furnisher to provide verified documentation or delete this account entirely from all credit bureaus. The information is damaging, unverifiable, and in violation of the FCRA and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
XX/XX/year> {$750.00} sent from my personal account to my newly created business account after fees {$720.00}. PayPal said that it was suspicious, so they put a hold on the account until I can provide a picture of myself and match it against my drivers ' license. I was unable on XX/XX/year>, so I called them. I spoke to representatives and they sent me an email through PayPal to upload my drivers ' license and passport. They said everything was okay and that I should be able to access in 24 hours. The evening of XX/XX/year> I receive a message on PayPal saying that they are " permanently limiting my account that I can no longer use PayPal. '' Then when I click the arrow that to go to the next screen it says, They no longer offering PayPal services for this account and that it may take 180 days to release my funds. I have my business and personal account under the same log in, and my ss number. I asked if they can just send the money back to the sender and they refused. I can't believe I have to wait up to 6 months for my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Experian 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 ), Experian 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. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 2025-10-24 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 am submitting this follow-up complaint to request expedited action regarding my previously filed disputes with the Consumer Financial Protection Bureau . Despite prior investigations, multiple inaccurate, incomplete, and unverifiable items remain across my Experian, Equifax, and TransUnion reports, continuing to violate the Fair Credit Reporting Act ( FCRA ) and damage my credit standing.In my earlier complaint, I identified persistent errors, including outdated personal information and misreported charge-off accounts. My only valid address is XXXX XXXX XXXX, XXXX, CA XXXX, yet XXXX XXXX XXXX, XXXX, CA XXXX still appears on both Experian and TransUnion reports . This violates FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 607 ( b ), which mandate deletion of unverifiable or outdated identifiers within 30 days of dispute and require reasonable procedures for maximum accuracy.

Additionally, several charge-off accounts remain inaccurately reported with XXXX  balances or unverifiable statuses, including XXXX, XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX . The XXXX XXXX XXXXXXXX account, reported as a Profit and Loss Write-Off or Charge-Off for {$4500.00}, lacks any IRS Form 1099-C or proof of cancellation. Continued reporting of these items without verification constitutes noncompliance with FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
Cashapp offered me XXXXXXXX XXXX XXXX  if I made a saving account and I have and did and never received my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding MERCEDES BENZ FINANCIALs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. MERCEDES BENZ FINANCIAL has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: HI

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4600.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: HI

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4600.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
They have been stealing my money for long time without reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Closed my account without sending anything over before warning me of closing my account was a customer for 11 years on this credit card have multiple other credit cards with them as well. I had XXXX $ worth of rewards points saved as well that just disappeared now as well no refund or anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/2025 Via Certified Mail Return Receipt Requested Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Account Reference : XXXX Dear Midland Credit Management, I am writing to formally request validation of the alleged debt referenced above. I recently reviewed my credit report and discovered this account being reported by your company. As a California resident, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the California Rosenthal Fair Debt Collection Practices Act ( California Civil Code 1788 et seq. ) to request full verification of this alleged debt.

Please provide the following documentation so I may properly verify the validity of this claim : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized breakdown of all fees, interest, and charges added.

3. A copy of the original signed agreement or contract that bears my signature, establishing my legal responsibility for this debt.

4. The date the debt was incurred and the date of the last payment made on the account.

5. Documentation showing that Midland Credit Management , Inc. is legally authorized to collect debts in the State of California.

Until the requested documentation is provided, please cease all collection efforts and stop reporting or verifying this account with any credit reporting agencies, as doing so without proper validation is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

This letter is not an acknowledgment that I owe this debt, nor should it be construed as such. I am requesting validation only. If you are unable to provide sufficient proof of this debt, please remove this account from my credit reports with all major credit bureaus and cease any further collection activity.

Thank you for your attention to this matter. I expect your response within 30 days as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account has been paid in full, yet it still reflects late payment history.

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 2025-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I used Affirm to finance a {$1400.00} purchase from a company called XXXX on XX/XX/XXXX, for a XXXX and headphones. The product was never delivered. XXXX advertised a XXXX delivery timeline, meaning the item should have arrived by XX/XX/XXXX. As of now well over a year later I have not received the product or a refund from either XXXX or Affirm. 

XXXX provided access to a XXXX XXXX on their website, which has proven completely unreliable. The delivery estimate constantly changed, from XXXX weeks, to XXXX weeks, to XXXX, and now currently shows XXXX weeks. This is clearly a tactic to delay and deflect without providing any real shipping or fulfillment status. No tracking number or actual shipment has ever been provided. 

After a year of vague responses and shifting excuses from XXXX, I submitted a formal refund request on XX/XX/XXXX. XXXX replied via email stating that a refund check for {$1500.00} would be processed. I provided my mailing address and asked for confirmation or tracking, but no check ever arrived, and they have not responded since. 

I filed a formal dispute through Affirm and submitted all supporting documentation, including the email from XXXX promising the refund. Despite this, Affirm closed the dispute without resolution, and no refund has been issued by either company. 

I made monthly payments from XX/XX/XXXX, through XX/XX/XXXX, totaling {$1700.00}, and now the loan shows paid in full. I paid for a product I never received, was misled by the merchant, and left with no support from Affirm. 

I initially trusted XXXX because they were promoted as an approved merchant through the Affirm app. I just checked XXXX website again, and they are still prominently advertising Affirm as their financing provider, which means Affirm is continuing to support this merchant, despite a documented pattern of failing to deliver products and resolve complaints. XXXX also has numerous similar complaints on the XXXX. 

Im requesting that Affirm issue a full refund and be held accountable for continuing to partner with a merchant known to defraud customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I disputed activities on account XXXX reported by Credit Systems International with XXXX  on XX/XX/year>. I requested the reinvestigation procedure per 15 U.S.C. 1681i ( 7 ), which must be provided within XXXX  days. XXXX  did not respond until XX/XX/XXXX timeframe stating the account  will remain until XX/XX/year>. This violates the Fair Credit Reporting Act ( FCRA ). The account is a collection that has been sold and re-reported, making it inaccurate under 15 U.S.C. 1681e ( b ). I am requesting the CFPB investigate XXXX  and Credit Systems International for FCRA non-compliance and require deletion of the inaccurate collection account. They also did not validate or send any documentation regarding validation of the account. Im request them to delet, cease and desist on a collection activites.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this third follow-up complaint regarding ongoing inaccuracies related to my XXXX XXXX account, Account XXXX. : XXXX, Date Opened : XX/XX/XXXX, Balance : {$39000.00}. Despite my prior disputes, the account continues to reflect an incorrect late payment for XX/XX/XXXX, reported as Current, was past due XXXX  days. Reporting the account as Current while simultaneously stating it was XXXX  days past due is contradictory and misleading. 
This inaccurate reporting directly violates the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] mandates that consumer reporting agencies ensure maximum possible accuracy in all reporting, and this discrepancy fails that requirement. Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ], furnishers are prohibited from reporting information they know or should know is inaccurate or misleading. Finally, FCRA 611 [ 15 U.S.C. 1681i ] requires a proper reinvestigation whenever a consumer submits a dispute, which has not been adequately completed in this case.

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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
My cash app account was closed suddenly for no reason. They say I was gambling which I was not. I've tried to appeal it 8 times. Only one did they actually do anything and they denied it

Company response to consumer: Closed with explanation