vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: CA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I filed a complaint previously, XXXX, because they changed the interest rate from fixed to variable. They commented on XX/XX/XXXX that they had fixed the interest rate. I have a loan modification that states my payment is {$370.00} and they are now trying to tell me that I have to pay {$370.00}. They can not change the terms of my loan. I called on XX/XX/XXXX and spoke with XXXX XXXX who was supposed to be getting me to the XXXX department. I was transferred to XXXX XXXX who told me there is no XXXX  department. She opened a case for the payment amount, XXXX. Called on XX/XX/XXXX and spoke with XXXX XXXX in Customer Service. He tried to transfer me to XXXX XXXX saying they handle the HELOC. XXXX XXXX would not take my call because they show the account is delinquent. I have not made any payments because they have the amount incorrect. If I make a payment, it will not be applied properly. As soon as they have the payment corrected, I will make all payments. XXXX then tried to transfer me to escalations and was connected to XXXX XXXX. She said she is the one that spoke with me XX/XX/XXXX and remembered the conversation. She was supposed to call me back. I neve received a call back. I called again on XX/XX/XXXX and XXXX XXXX filed a complaint and reached out to XXXX who said she had not called me because she had not heard anything. She said she would get back to me when she hears something. I called back on XX/XX/XXXX and spoke with XXXX XXXX who said XXXX was not in. XXXX put in a request to have the complaint escalated since there was still no response since XX/XX/XXXX, reference number XXXX. I still have not received any response and the payment amount is still showing {$370.00}. I received a letter stating that my account is past due and how to file for a hardship. I need for Shellpoint to correct the payment amount and remove any delinquencies on the account and with the credit bureaus. I will make all payments due as soon as the payment amount is corrected.

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 2025-03-30 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Affirm Inc . 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Subject : Dispute of Fraudulent Credit Reporting Affirm Inc . 

Dear CFPB Representative, I am filing a formal dispute regarding a fraudulent and inaccurate charge-off account reported by Affirm Inc. on my credit report. This account does not belong to me, and its presence on my credit file constitutes an unlawful violation of my rights under federal law. I am demanding its immediate removal based on the following legal grounds.

Legal Violations and Supporting Case Law Failure to Properly Verify Identity ( FCRA Violation 15 U.S.C. 1681e ( b ) ) Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies ( CRAs ) must ensure that all reported information is accurate and belongs to the correct consumer.

Affirm Inc. failed to verify my identity before associating this account with my credit report. 

Case Law : In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that credit furnishers must ensure accuracy, and failure to do so constitutes a violation of the FCRA. 

Account Belongs to Another Individual ( FDCPA Violation 15 U.S.C. 1692e ( 2 ) ( A ) ) The Fair Debt Collection Practices Act ( FDCPA ) prohibits the reporting of false or misleading information regarding a consumers credit.

Reporting a debt that does not belong to me is a direct violation of 15 U.S.C. 1692e ( 2 ) ( A ), which prohibits false representations of a consumer 's debt obligations. 

Case Law : In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), the Supreme Court reinforced that debt collectors and furnishers must prove ownership and validity of a debt before reporting it.

Lack of a Valid Agreement and Payment Records ( Contract Law and FCRA Violation 15 U.S.C. 1681i ) I never signed any agreement with Affirm Inc. and never made any payments toward this alleged debt.

Affirm Inc. has failed to provide any proof of a contractual obligation, signed agreement, or payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), courts ruled that furnishers must provide documented proof of a legitimate credit obligation upon request. 

Failure to Properly Investigate Dispute ( FCRA Violation 15 U.S.C. 1681s-2 ( b ) ) I previously disputed this account, yet Affirm Inc. failed to conduct a reasonable investigation, in violation of 15 U.S.C. 1681s-2 ( b ).

The law requires credit furnishers and bureaus to properly investigate disputes and remove any unverifiable information. 

Case Law : IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the court ruled that failure to conduct a reasonable investigation violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I am filing a complaint regarding a Nordstrom account that is currently reported as charged off and in collections with a balance of {$420.00}. It also shows XXXX missed payments and a past due balance, which continues to update as if the account is active. 

I am currently XXXX  and experiencing significant financial hardship. This makes it impossible for me to repay this account now or in the foreseeable future. Continuing to report this debt as both charged off and still actively delinquent is not only misleading, but also damaging under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ).

The account should reflect that it was charged off and closednot one that is still missing payments or past due. This inaccurate reporting is making it extremely difficult to rebuild my credit and financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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 writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX, XXXX XXXX XXXX ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Il, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ XXXX ] Subject : Dispute of Billing Error Dear Sir/Madam, I am writing to formally dispute a billing error on my [ XXXX ] under the provisions of the Fair Credit Billing Act ( 15 U.S.C. 1666b and 1637b ). I have reviewed my most recent statement and noticed discrepancies regarding [ Account closed by Credit grantor responsibility terminated thats still reporting late payments on my account, incorrect amounts, services not rendered, etc. ]. In accordance with 15 U.S.C. 1666b, I request that you immediately investigate and correct this billing error. Under this section, the creditor is obligated to investigate and resolve disputes regarding billing errors promptly. I would also like to emphasize that under 15 U.S.C. 1637b, creditors are required to provide clear and accurate information on billing statements, which I believe has not been met in this instance. The details of the dispute are as follows : Date of transaction : [ Insert date ] Amount of disputed charge : [ Insert amount ] Description of the charge : [ Describe the charge, vendor, or service involved ] Please provide a written response within the XXXX timeframe specified by law, acknowledging receipt of this dispute and informing me of your findings and the outcome of your investigation. Thank you for your prompt attention to this matter. Please confirm that this dispute has been received and is under review. I expect to receive a resolution within the time frame stipulated by federal law. 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 non-monetary relief
Consumer complaint received 2025-03-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

I looked at my experian credit report on XXXX XXXX and notice some thing are incomplete and not accurate, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I made XXXX deposits of XXXX that they said they recieved in night deposits box that are over 90 days old and are not getting my money into my account as they changed night deposits policy. It is complete theft as I included my deposit slip and name and phone number with my deposits. I have been making deposits there for 32 years now it has been a month trying to get my money in my account they have taken and used! Numerous stops and calls but am told executive approval needed and is NOT GETTING DONE! 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 2025-03-30 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: MA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Re : Unlawful Credit Reporting by Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX : Dispute of Unlawful Credit Reporting Portfolio Recovery Associates Dear CFPB Representative, I am submitting this formal dispute regarding Portfolio Recovery Associates ( PRA ), which has reported a collection account on my credit report. The original creditor, XXXXXXXX XXXX Delaware, sold the debt without proper authorization to report it under their name, violating federal law. I am requesting an immediate removal of this account from my credit report based on the following legal grounds. 
Legal Violations and Supporting Case Law Lack of Authorization to Report Debt ( FCRA Violation 15 U.S.C. 1681s-2 ) Portfolio Recovery Associates did not receive direct authorization from me to report the debt to credit bureaus.

Under 15 U.S.C. 1681b, only authorized pa
rties may report consumer credit information. 

Case Law : In XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX ), inaccurate reporting by a third-party collector without sufficient documentation was ruled unlawful. 

Failure to Provide Verification of the Debt ( FDCPA Violation 15 U.S.C. 1692g ( b ) ) Per the Fair Debt Collection Practices Act ( FDCPA ), debt buyers must provide proper validation of the debt upon request before reporting it. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), debt collection agencies were held liable for reporting unverifiable debts. 

Portfolio Recovery Associates has failed to provide proper validation, making their reporting inaccurate.

Re-Aging of Debt ( FCRA Violation 15 U.S.C. 1681c ( a ) ) The original XXXX XXXX  Delaware charge-off occurred before Portfolio Recovery Associates acquired the debt. 

Reporting the collection as a newly opened account ( XX/XX/XXXX ) is a deceptive practice known as re-aging, which is illegal under the FCRA. 

Case Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ruled that improperly resetting a debts delinquency date violated the FCRA. 

Unfair and Deceptive Practices ( XXXX5 U.S.C. 45 FTC Act ) Portfolio Recovery Associates reporting of this debt in a misleading manner violates the Federal Trade Commission Act ( FTC Act, 15 U.S.C. 45 ). 

Case Law : In FTC XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX ), the FTC fined a debt buyer for misleading consumers with incorrect credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App created an account for me and sent a debit card without my permission. Cash App should not be allowed to create user accounts without their permission. This is fraud and potentially harmful to consumers.

Company response to consumer: Closed with explanation