vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This Debt Validation Letter was sent the company.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, Experian or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal co for the suit. This includes any listing of any information to a credit reporting repository that coul inaccurate or invalidated.

+ If your office fails to respond to this validation request within 30 days from the date of your receipt, references to the account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint regarding Truist Banks continued and unlawful retention of U.S. Treasury Social Security benefit funds belonging to my father, who was XXXX XXXX XXXX at the time the funds were wrongfully withheld and is now XXXX XXXX XXXX, and who is a Social Security beneficiary diagnosed with XXXX XXXX. 

In XX/XX/2025, a Social Security benefit check in the amount of {$3000.00}, payable to my father, was deposited into a Truist account opened in my name. I hold valid Power of Attorney for my father, which was provided to Truist. Truist had previously accepted and released an identical Social Security benefit deposit in XX/XX/2025 under the same authority and procedures. 

Truist accepted and negotiated the XX/XX/2025 XXXX Treasury instrument. The Social Security Administration and U.S. Treasury confirm that the check was cashed to Truist and not returned. After negotiation, Truist unilaterally flagged the deposit, closed the account, removed all access to the funds, and has refused to release the money or return it to the Treasury. Truist has provided no written explanation, no fraud determination, and no investigative findings.

At no time has Truist alleged fraud or wrongdoing by the beneficiary or by me as attorney-in-fact. Nevertheless, Truist has retained the funds for many months despite repeated notice that the deprivation caused severe hardship to an elderly, cognitively impaired beneficiary. 

As a direct result of Truists failure to return or account for the XXXX payment, the Social Security Administration later withheld my fathers monthly benefit citing an alleged overpayment. I am requesting CFPB assistance to compel Truist to immediately release or remit the funds and to investigate Truists handling of federal benefit payments.

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 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
A tribal predatory company named Makwa finance misled me when applying for a loan. On XX/XX/XXXX of XXXX I received money in the amount of XXXX dollars. When applying no where did it say you had to accept the loan. When I did I apply I was ever shown an interest rate or loan term length in fact I was never in aware of receiving the money in the first place. Now for the last few months XXXX dollars have been taken out of my checking account without my knowledge. When I saw this my wife called to ask why this was happening and they said that I had signed loan documents which I never did. For the last fourth these payments had been coming out. Never in my life would I sign a loan with an over XXXX percent interest rate. This had put a hardship on my life being an XXXX XXXX citizen living on basically just my social security every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate, misleading, and unverified credit reporting that continues to appear on my consumer credit report despite my prior disputes. The furnishers and credit reporting agencies have failed to comply with their obligations under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. The continued reporting of these items reflects a lack of reasonable investigation and a failure to ensure maximum possible accuracy as required by law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account is reporting late payments while showing a XXXX balance, which is internally inconsistent and misleading. Reporting late payment history without supporting documentation violates FCRA 1681e ( b ). If full payment history, billing statements, and proof of delinquency can not be verified, the late payment reporting must be corrected or deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} Chargeoff This charge-off is being reported without proper verification of the debts accuracy, balance calculation, and charge-off decision. Under FCRA 1681a ( XXXX ) and 1681e ( b ), any reported charge-off must be fully verifiable, accurate, and complete. If XXXX XXXX  XXXX can not provide original account documentation, payment history, and lawful basis for the charge-off amount, this tradeline must be deleted or corrected accordingly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Chargeoff This charge-off is inaccurate and unverified. No documentation has been provided showing how the balance was calculated, whether the account was lawfully charged off, or whether all payments were properly credited. Reporting a charge-off without complete substantiation violates FCRA 1681e ( b ). If XXXX XXXX can not fully verify this account with competent evidence, it must be removed from my credit report. 
XXXX  Inquiry Date : XX/XX/XXXX This inquiry was not authorized by me and I have no knowledge of any permissible purpose under FCRA 1681b. Any inquiry made without a valid permissible purpose is unlawful and must be deleted immediately. 
Under FCRA 1681i, credit reporting agencies are required to conduct a reasonable investigation of disputed information. The failure to correct or delete these items indicates noncompliance. I am requesting CFPB assistance to ensure that these furnishers and credit reporting agencies comply with federal law by correcting or deleting all inaccurate, misleading, and unverifiable information listed above. Continued noncompliance may constitute negligent or willful violations under FCRA 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under XXXX XXXX and XXXX. 

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CT

Complaint narrative:
In XXXX, my automatic payments suddenly stopped and my loan was put in forbearance. I don't understand why interest is accruing while I'm not required to make payments? I was gravely ill during XXXX and only realized that my payments had ceased being withdrawn from my checking account, and interest was still accruing. I've made several payments in XXXX and would like to resume making payments if possible. While working full time at XXXX, I had made XXXX payments toward XXXX. My income is now primarily from social security, I'm semi-retired, and teaching part-time at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX So I need an income-driven repayment plan that fits with my budget. I tried using the online repayment calculator and its results calculated a XXXX payment. I'm confused, this does not make sense to me. Why am I being charged interest while my loan is in forbearance, if I'm not required to make monthly payments? I've made numerous attempts to contact a person at Mohela, but no one ever answers the phone. I've only been able to speak with someone at XXXX, who referred me to this page for complaints. XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I am disputing the following items on my Equifax credit report due to discrepancies and inaccuracies in the reporting of my accounts. Please review the information and correct as necessary. 

Charged Off Accounts : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.0XXXX XXXX XXXXXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} Inquiries : No inquiries listed for dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
Dear XXXX, I am writing to formally dispute certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. The specific accounts I am disputing are as follows : CHARGED OFF XXXX XXXX XXXX, XXXX, XX/XX/year>, {$190.00} LATE PAYMENT XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/year>, I made a purchase through Affirm with XXXX XXXX XXXX for approximately {$270.00}. A duplicate order was created in error, and XXXX XXXX XXXX canceled XXXX of the purchases. The canceled order was refunded in full. 

On XX/XX/year>, Affirm applied XXXX adjustments of {$130.00} and {$130.00}, which together total the full {$270.00} refund amount. However, instead of applying the full refund to the canceled loan and closing it, Affirm split the refund across XXXX separate loans. As a result, I now have XXXX active loans and am being required to make XXXX payments within days of each other for a purchase that was canceled. 

I contacted Affirm multiple times via chat on XX/XX/year>, and was transferred between several agents and departments over more than an hour. I provided confirmation that the merchant canceled the duplicate order and that the refund emails state the refund was processed. Despite this, Affirm representatives stated the system automatically applied the refund to multiple loans and that they are unable to move or correct the funds once applied. 

A supervisor confirmed that the refund was split due to an automated system process and stated that because the adjustments were already applied, Affirm can not correct the loan balances. I was told a push notification was allegedly sent on XX/XX/year>, allowing me to manually match the refund, but I never received this notification and was not given the opportunity to apply the refund myself. I do receive Affirm emails and SMS notifications, and no notice explaining this process was provided to me. 

As a result of XXXX system error, I am being billed for XXXX loans instead of having the canceled loan fully voided. I did not authorize XXXX loans, did not agree to split refund adjustments, and can not afford duplicate payments for a canceled transaction. I am requesting correction of my account so the canceled loan is closed and the balance is adjusted to reflect that I owe {$0.00} on the canceled purchase, with no negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Possible double reporting, DOFD vs Last Reported mismatch

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute multiple inaccuracies appearing on my credit reports provided by the three major credit bureaus : Equifax ( XXXX ), Below is a list of the accounts that I am disputing, as well as the specific inaccuracies I believe exist in each case. 

Charged Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} UNAUTHORIZED COLLECTION Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
Midland credit is attempting to collect a XXXX XXXXXXXX card balance that I do not owe. Despite this I sent in the payment to them and they are still saying it is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief