vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XX/XX/year> Dear Sir/Madam, I am writing to request validation of the debt referenced above, which is currently being reported on my credit report by your agency. This letter is sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681-2 of the Fair Credit Reporting Act ( FCRA ), which outlines my rights regarding disputed debts.

Please provide me with the following information : 1. Verification of the amount of the debt.

2. The full name and address of the original creditor.

3. Evidence that your agency is authorized to collect on this debt.

4. A detailed payment history, including any interest and fees since the date of charge off.

5. Documentation showing that I am legally obligated to pay this debt.

As per 15 U.S.C. 1681-2, I am entitled to request this information to ensure the accuracy of my credit report. Until I receive the requested validation, please cease any collection activities and halt reporting this account to credit reporting agencies. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
Subject : Formal Request for Removal of Eviction Record Due to Extenuating Circumstances and Property Negligence To Whom It May Concern, I am writing to formally request the removal of an eviction record reported by XXXX. This eviction was not the result of nonpayment, lease violations, or neglect, but rather the outcome of extenuating and traumatic circumstances stemming from property managements failure to address a serious safety issue I had reported in advance. 

Before the incident occurred, I submitted a written complaint to property management detailing ongoing harassment and escalating safety concerns involving my roommate. I specifically requested relocation for my safety, but unfortunately, no effective action was taken to protect me. 

Approximately two months after my report, the same roommate I had warned about forcibly entered my private room and assaulted me. I acted in self-defense. There was also a witness present that night who can corroborate the events that took place. The situation led to a criminal case that lasted over two years while I was still a college student. Ultimately, the case was fully dismissed and expunged, confirming my innocence. 

Throughout that legal process, I experienced immense hardship. The pending charges made it nearly impossible to find stable employment or maintain financial security, which directly contributed to the eviction. Again, this was not due to neglect or irresponsibility on my part, but rather a chain of events set in motion by the propertys inaction in response to my prior written safety complaint. 

This eviction record does not reflect my character, financial responsibility, or rental history. It is the result of an avoidable and traumatic situation that I took clear steps to prevent. I still retain all relevant documentation, including : -The original, dated email to property management reporting the harassment and requesting relocation -The official court documents confirming the dismissal and expungement of the criminal case -Photographic and medical documentation of the injuries I sustained during the assault This experience was very traumatic for me, and I still struggle emotionally and psychologically because of this. I had never had to defend myself or be forced to be in a situation such as this one. 

Since this incident, I have moved forward with my life and am now a XXXX XXXX with XXXX XXXX XXXX However, the emotional, physical, and reputational impact of this experience still affects me. I have previously attempted to dispute this eviction record with no resolution. This letter serves as a final good faith attempt to resolve the matter. If necessary, I am prepared to pursue legal action. 

Thank you for your time and understanding. I am willing to provide any of the above-mentioned documentation upon request. 

Sincerely, XXXX XXXX XXXX XXXX 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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed several items that I did not open. I suspect that my personal information has been used fraudulently without my authorization. These items do not belong to me and should be removed from my credit file. Ive attached a copy of my Drivers License ID, Proof of Address, and my FTC Identity Theft Report. Please remove these items from my credit report in accordance with Section 605B of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-06 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: MO

Complaint narrative:
Between XXXX and XXXX, I discovered that Equifax, Experian, and TransUnion are reporting numerous derogatory and inconsistent accounts that are unverified, outdated, or legally deficient under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and CFPB Regulation V ( 12 CFR 1022 ).

Despite multiple prior disputes, the bureaus have failed to conduct a lawful reinvestigation under 1681i, failed to require verification under 1681s-2 ( b ), and continue to publish inaccurate, incomplete, and re-aged information.

The following 16 derogatory accounts appear across my reports and remain unverified or inconsistent among bureaus : XXXX. XXXX XXXX XXXX  Charge-off ( {$750.00} ) reported XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX Charge-off reported XX/XX/XXXX. 
XXXX. XXXX XXXX Charge-off ( {$34000.00} ) reported XX/XX/XXXX. 
XXXX. XXXX Account Services Derogatory ( {$1900.00} ) XXXX-only ; duplicate closed item appears on TransUnion. 
XXXX. XXXX XXXX XXXX # XXXX XXXX ( {$1100.00} ). 
XXXX. XXXX XXXX XXXX # XXXX XXXX ( {$1100.00} ). 
XXXX. XXXX XXXX XXXX # XXXX XXXX ( {$590.00} ). 
XXXX. XXXX XXXX # XXXX XXXX ( {$210.00} ). 
XXXX. XXXX XXXX # XXXX XXXX ( {$1400.00} ). 
XXXX. XXXX XXXX XXXX # XXXX XXXX ( {$780.00} ). 
XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX ( {$590.00} ). 
XXXX. XXXX XXXX XXXX # XXXX XXXX ( {$1000.00} ). 
XXXX. XXXX XXXX XXXX # XXXX XXXX ( {$2500.00} ). 
XXXX. XXXX XXXX XXXX XXXXXXXX ( {$180.00} ). 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX ( {$370.00} ). 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( {$220.00} ). 

Each furnisher was required to verify accuracy or provide full account-level documentation ( including Forward Flow Agreement and chain of assignment ). No such validation has been produced. Several entries also show inconsistent dates of first delinquency and duplicate reporting across bureausan unlawful form of re-aging that artificially extends derogatory history in violation of 623 ( a ) ( 5 ).

In addition, all three bureaus continue to report outdated addresses and employer information despite written disputes requesting correction under 611 ( a ). The continued publication of unverifiable and duplicate data has caused measurable credit damage and constitutes negligent and willful non-compliance under 616 and 617 of the FCRA.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer privacy.

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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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 information incorrect
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I am using this CFPB complaint as both a formal complaint and a formal dispute and request for debt validation addressed to XXXXXXXX XXXX XXXXXXXX. Attached to this complaint is my written validation request, which clearly lists the documents that XXXXXXXX XXXX XXXXXXXX must provide under the Fair Debt Collection Practices Act XXXXXXXX XXXX XXXX  to prove the debt is valid and legally collectible. This includes proof of ownership of the debt by purchase agreement, a breakdown of the amount claimed, and a copy of the original agreement bearing my signature. I am submitting this request through the CFPB to ensure that XXXX XXXX XXXXXXXX receives my letter and is held - accountable for responding properly and lawfully.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I requested that equifax send me the original documents used to confirmed the collection. It has been more than 30 days and i still haven't received a response. I want this collection from XXXX XXXX XXXX deleted off my credit profile immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XX/XX/year> Cavalry Portfolio Services , LLC XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Debt Validation Request Account Opened XX/XX/year> Amount {$1700.00} To Whom It May Concern, I am writing in regard to the debt your company claims I owe in the amount of {$1700.00} on an account allegedly opened on XX/XX/year>. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request that you provide validation of this debt.

Specifically, I request the following : 1. A complete and detailed list of the payment history on this account.

2. A copy of the original contract or agreement, including my signature, that created this obligation.

3. Documentation of whether any insurance claims have been filed or paid in relation to this account.

4. A full chain of title or assignment demonstrating your companys legal right to collect on this debt.

Please consider this letter a request for validation before I take any further action regarding this alleged obligation. Until the requested documentation is provided, I do not acknowledge this debt.

I also request that all future communications regarding this matter be in writing only. 
Thank you for your attention to this matter. I look forward to your timely response within the statutory period. 
Sincerely, ______________________________ 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: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This was my first car at the age of XXXX, Another much younger driver t boned me on my way to work, a sherriff responded. My car was totaled and kid lied to XXXX about insurance and car was charged off and I got nothing. Just recently checked my credit report to see its closed still but also reporting every month as a late payment. If its closed and/or charged off, how and why am I getting dingged for lates? 

This involved my first XXXX XXXX at 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 non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: MID FLORIDA FINANCING LLC
State: FL

Complaint narrative:
Im just now finding out the in house insurance maybe fraud as well. Also my car was repossessed for no reason.

My balance was paid and they still sent a tow truck to pick up my XXXX  and I missed work because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: LJ Ross Associates
State: WI

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

I am stressed out because this company is violating my rights Under 15 U.S.C. sub section 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX -Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX -Balance {$3800.00}

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: Block, Inc.
State: SC

Complaint narrative:
The XXXX  time I'm trying to submit this complaint, but it's okay. So I was on XXXX today and I was making a purchase for {$60.00} through Cash App to a business on XXXX. Who does business on XXXX? I have not received any good for the money that I have sent. I have asked for the money. I have asked for what I paid for I was assured that I would get it. I was sure it would be on time. This is not going to happen. I will not be deceiving my goods. This is a scam. They did everything but laugh at me I. Repeatedly, have asked for it back. I repeatedly had tried to get in touch with the company. So after that, after I realized that I was not going to get the goods I had purchased, I then went to cash app where the money came out of my checking account. And I submit submitted a dispute and it is, they still haven't gotten back with me, they have probably nothing to say to me cash up. Or whatever the name of the bank is, they have no customer service that I have been through so many times with Cash App to where I lose every time there, I don't even know why they have a customer service department because there is no customer service at Cash App cash app is A vial company, and they do not treat anybody fairly, except for scammers, I believe that they actually work together with cameras, because that's who they protect, they have never put what I brought forward as priority. It's always the other person I have never, ever been satisfied with. A resolution and I have had cash app as my bank account for at least XXXX years so I have never been satisfied it's just because I am in the poverty level that I do not have a bank account a regular bank account. I have used Cash App that is what poverty I need and this person and Cash App have done nothing but rob. And stealing scam for me. And I will include the documents that will include transact. Though it can be plain to see that I made a purchase. I'm not getting the purchased agreement. Good and I would like somebody to help me somebody to be on my side with this. I'm sending the documents right now. Thank you, and please get back in touch with me. I would like to know every step of the way. I'm so so disappointed. That's it and so ready for Cash App.And the scammers to stop and to pay their dues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: LA

Complaint narrative:
I am writing to formally express my concerns regarding chime handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately, they informed me that tracking these transactions was infeasible. The CFPBs findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the systems, leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation