vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Credit Bureau, I am writing to formally dispute inaccurate and negative information appearing on my credit report. Upon reviewing my credit report dated XX/XX/XXXX, I noticed late payment records that are incorrect and negatively impacting my credit standing. 

The following accounts are in question : XXXX. XXXX XXXX Listed as Closed with XXXX missed payments XXXX. XXXX  Listed with XXXX missed payments I have maintained timely payments and/or resolved any temporary issues long ago. These late marks do not accurately reflect my payment history and should not appear as delinquencies. Please conduct a thorough investigation into these accounts. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you verify these entries with the creditors. If the creditors can not verify the accuracy or provide documentation proving these missed payments, please remove these negative marks from my credit report immediately. 

Please send me a written confirmation of the results of your investigation. 

Thank you for your prompt attention to this matter. 
Also Formal Credit Dispute Inaccurate Auto Loan Reporting XXXX XXXX XXXX XXXX ) To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report regarding an auto loan account reported by XXXX XXXX XXXX  in the amount of {$29000.00}. I was not provided with proper notice of the vehicle sale as required under UCC 9-611, and the reported balance is incorrect. Under the Fair Credit Reporting Act ( FCRA ) 611 and 623, I am requesting that you investigate this account and either delete it entirely or correct the reporting to reflect a zero balance or a paid/closed status. Please verify the accuracy of this information with XXXX XXXX XXXX. If the lender can not provide proof of proper sale notice and a valid remaining balance, I ask that the tradeline be deleted from my credit report immediately. Thank you for your prompt attention to this matter. Please send a written response to my address above once your investigation is complete. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) is reporting a collection account on my credit reports since 2024 even though I have never received any written notice from SST, as required under 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act.

I have never been contacted by SST via mail, phone, or email, and I did not receive any initial validation notice within five days of their first reporting or collection attempt.

Despite this, SST continues to verify the account with all three credit bureaus when I dispute it, but they have not provided ANY documentation proving : that the debt belongs to me that they own or are authorized to collect it the original creditor details the date of delinquency the amount or any supporting account records This appears to be an automated e-OSCAR verify response without any real investigation or documentation. 

Steps I Have Already Taken I have disputed this account multiple times with Experian, Equifax, and TransUnion. Every time, SST simply marks it verified without ever contacting me or providing validation. 

I still have : No validation letter No debt notice No proof of ownership No original creditor documentation No breakdown of the alleged amount This is the same pattern I experienced with another debt collector ( XXXX XXXX XXXX ), where they repeatedly verified the debt with credit bureaus but were unable to substantiate it when required by law. 

Why This Violates Federal Law This conduct may violate : FDCPA 809 ( a ) Failure to provide the required written notice within 5 days of the initial communication.

FCRA 611 & 623 Failure to conduct a reasonable investigation and continuing to report unverifiable information. 

If SST can not validate the debt, they are required to cease collection efforts and stop reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: GA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( XXXX ) ; My student records were disclosed without my consent, violating XXXX 'S XXXX XXXX protections. 
Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence ; The entity responsible for safeguarding my data & United States to do so, putting my financial security at risk. And unauthorized disclosure to third Parties.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-16 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: IL

Complaint narrative:
XXXXSubject:Inaccurate and Unverified Accounts Reporting After Formal Dispute\nComplaint:I submitted formal FCRA disputes to all three credit bureaus regarding multiple inaccurate accounts, includingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education / XXXX  student loan accounts reporting inaccurate balances and dates\nThe bureaus eitherXXXX  Failed to correct inaccuraciesXXXX  Verified accounts without proper investigation\XXXX  Used automated e-Oscar responses instead of proper reinvestigation\n* Failed to provide evidence supporting verificationXXXX also sent debt validation letters to all collectors.They failed to validate, yet continue reporting  a violation of FDCPA  809(b).\nI am requesting CFPB intervention XXXX. Require proper validation\XXXX. Remove unverified accountsXXXX. Enforce FCRA  602,  607, and  611 complianceXXXXThank you,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 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Please remove collections account from all 3 credit bureaus per 15USC 1692c ( c ) Thanks Please remove all negative history and comments from credit reports Thanks I have no knowledge of this account, thanks.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: PA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account on my credit report that I do not recognize and have no knowledge of. I never received validation, notices, or proof that this debt is mine. I disputed this account, but Portfolio Recovery has failed to provide documentation proving ownership, such as the original creditor agreement, signed application, or detailed statements. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA, a debt collector must provide verification before reporting or continuing to report. They have not done so. 

I request CFPB assistance to require Portfolio Recovery to either provide full validation or delete this unverifiable account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Prosper Marketplace, Inc.
State: PA

Complaint narrative:
I received an email about billing statements regarding a credit card with Prosper ; however, I have no recollection of opening this account. Even though the account has positive reporting on my credit reports, I disputed the account a few times since I have no knowledge of when and where I opened the account. I reached out to the creditor requesting this information but I did not receive a response. Further, I was actually able to gain online access to the account, but it was registered to an address I havent lived at since XXXX and the online portal also indicated that a new card was being issued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> I was charged twice in XXXX XXXX by a driver who took my debit card and manually entered the number into his phone. The charges were {$140.00} and {$72.00} from XXXX * XXXX XXXX. I did not authorize these transfers, no receipt was given, and the amounts were far above any normal taxi fare. These were manually keyed foreign transactions with no chip, PIN, or consent. 

I filed a fraud claim with M & T. They denied it on XX/XX/year>, saying only that the transactions were processed correctly. They did not provide merchant documentation or proof of authorization. I requested the Reg E documentation ( transaction record, authorization method, merchant evidence ) but the bank did not provide it. I am disputing these charges as unauthorized electronic fund transfers under Regulation E.

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 2025-11-16 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:
Equifax , INC. Data Breach XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I write as a Retired Firefighter for California Retired Veteran that has experienced identity theft, my personal information was stolen during the Equifax, and XXXX XXXX XXXXXXXX and my SSN was used as a personal gain for a scammer. The accounts were reported as a result of identity theft, and the placement of this materially false information violates my rights. Your agency continues to furnish and report fraud. Due to the inaccuracy of false information on my reports, I will be seeking legal advice, if this issue is not handled legally I have never given permission for this information and it is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$33000.00} : Fraud Date : XX/XX/XXXX The accounts were reported as a result of identity theft, and the placement of this materially false information violates my rights. Your agency continues to furnish and report fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
My Coinbase account had a withdrawal on XX/XX/XXXX and XX/XX/XXXX unauthorized, however, I found the bank XXXXXXXX XXXX and they investigated and reversed debit the funds back to Coinbase on XX/XX/year>. Coinbase confirmed they received the funds but havent credited it back to my Coinbase account. I requested a provisional credit from Coinbase until their investigation is over they said no provisional credit even though they have the reversed funds from XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: MD

Complaint narrative:
I XXXX XXXX AM SUBMITTING THIS COMPLAINT ON BEHALF OF MYSELF. THIS IS NOW MY THIRD REQUEST, AS MY PREVIOUS XXXX HAVE GONE UNANSWERED. 

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX XXXXXX/XX/year>, a charge for {$42000.00} was processed through XXXX for services that were never rendered. XXXX informed me that they returned or reversed this charge, but NO refund was ever credited back to my American Express account. 

American Express closed the dispute based on XXXX claim, and they are now holding me liable for the entire {$42000.00} even though I never received the funds back. 

I have bank statements showing no refund, and I mailed a formal written dispute letter to American Express under Regulation Z on Thursday. AMEX refuses to reopen the dispute or investigate properly. 

XXXX XXXX I am requesting that American Express be required to : XXXX. Provide proof of the alleged refund from XXXX. 
XXXX. Reopen or properly investigate the chargeback. 
XXXX. Pause all adverse actions, collection activity, or account closures during the investigation. 
XXXX. Correct the account since I never received the {$42000.00} refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
All balanced on this cards is unauthorized. This card should show a XXXX balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: NV

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the XXXX XXXX late payments ( Acct XXXX XXXX and Acct XXXX XXXXXXXX ), and I want to make this very clear : I have not received one page of real verification from your office. Under the FCRA, you are legally required to maintain and provide accurate, complete, and fully verifiable payment information not recycled stall letters and not copies of my own credit report. Since you clearly do not know how to verify a late payment, here is what is required : the actual due date, the date the payment was received, the date the payment was posted, the full payment ledger, the complete transaction history, the billing cycle records, the DOFD ( Date of First Delinquency ), and Metro-2 compliant payment coding showing the exact sequence of timely vs. late payments. None of this has been provided, and the FCRA deadline has already expired. Reporting a late payment without proof violates FCRA 1681e ( b ) ( accuracy ), 1681i ( a ) ( failure to reinvestigate ), and 1681s-2 ( b ) ( failure to verify disputed information ). Since you have failed to verify any required documentation, these late payments are legally unverified and must be deleted immediately and not reinserted without complete, documented validation not vague excuses, not stall tactics, and not another copy of my credit report.

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 2025-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the XXXX XXXX late payments ( Acct XXXX XXXX and Acct XXXX XXXXXXXX ), and I want to make this very clear : I have not received one page of real verification from your office. Under the FCRA, you are legally required to maintain and provide accurate, complete, and fully verifiable payment information not recycled stall letters and not copies of my own credit report. Since you clearly do not know how to verify a late payment, here is what is required : the actual due date, the date the payment was received, the date the payment was posted, the full payment ledger, the complete transaction history, the billing cycle records, the DOFD ( Date of First Delinquency ), and Metro-2 compliant payment coding showing the exact sequence of timely vs. late payments. None of this has been provided, and the FCRA deadline has already expired. Reporting a late payment without proof violates FCRA 1681e ( b ) ( accuracy ), 1681i ( a ) ( failure to reinvestigate ), and 1681s-2 ( b ) ( failure to verify disputed information ). Since you have failed to verify any required documentation, these late payments are legally unverified and must be deleted immediately and not reinserted without complete, documented validation not vague excuses, not stall tactics, and not another copy of my credit report.

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