vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have had an American Express credit card open in good standing for several years. American Express suddenly reduced my available credit limit to {$0.00} while leaving the account open. There were no late payments, no returned payments, and no prior warning. 
When I noticed the limit change, I contacted customer service multiple times and asked for the reason and for reconsideration. Each time I was told they could not provide any reason or timeline for review, and I was not given any written adverse action notice explaining why the limit was removed. 
This action has negatively affected my credit utilization and has prevented me from using the card. I am asking that the company provide the required adverse action disclosure and restore a usable credit limit to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: HW Holding, Inc
State: CA

Complaint narrative:
This company has violated my rights under 12 CFR 1006.34 ( b ) ( 5 ) by failing to provide the required validation information before placing a collection on my consumer report. I have made previous attempts to fix these issues directly with them, but they continue to ignore my requests. They are violating my rights, and I am entitled to {$1000.00} for this violation. They need to either pay me or delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This letter is a formal follow-up to my prior complaint filed under CFPB Case # XXXX, concerning LVNV Funding LLC ( current owner ) and Resurgent Capital Services L.P. ( servicer ) regarding an account originally issued by XXXX XXXX XXXX XXXX XXXX ( Account # : XXXX ). 

On XX/XX/year>, Resurgent Capital Services responded to the CFPB inquiry by confirming that LVNV Funding currently owns the account and that Resurgent services it on their behalf. However, this response did not include any of the required documentation to validate the debt, as mandated under both the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

Specifically, the following information was not provided : 1. A copy of the original signed credit agreement or application bearing my signature.

2. A complete payment and charge-off history from the original creditor to present.

3. Proof of the legal assignment or chain of title transferring the debt from XXXX XXXX XXXX  to LVNV Funding LLC. 
4. Evidence that LVNV Funding LLC has the lawful right to report this account to credit bureaus under my name.

Without this documentation, there is no verifiable proof that this account is valid, accurate, or legally enforceable. Reporting an unvalidated account to consumer reporting agencies is a direct violation of the FCRA.

Request for CFPB Action I respectfully request that the CFPB : Require LVNV Funding LLC and Resurgent Capital Services L.P. to provide full debt validation, including the original signed agreement and payment history.

Compel the deletion of this unverified account from all credit reporting agencies ( XXXX XXXX XXXX XXXX if they fail to comply. 
Record this as a continuing violation if the account remains reported without validation. 

Please add this letter and the attached Resurgent response ( dated XX/XX/year> ) to my case file as supporting documentation. 

Thank you for your continued assistance in protecting consumers rights under federal law. I look forward to your acknowledgment and a final resolution. 

Sincerely, XXXX XXXX ( Signature if printed )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc.
State: FL

Complaint narrative:
Allowed unauthorized charge 's to take place on my card. Won't help me or give my money back cool they are allowed to discriminate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Global Lending Services LLC
State: PA

Complaint narrative:
Global Lending Services, hired XXXX XXXX XXXX, who in turn hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX @ approx. XXXX ( XXXX XXXX  ) on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE ( record says XXXX XXXX XXXX XXXX XXXX, DE, unaware as to why ) XXXX XXXX, driver for XXXX XXXX XXXX XXXX located in XXXX, DE, did knowingly breach the peace, damage my vehicle, make threats and illegally lift occupied vehicle and lie during repossession of my XXXX XXXX XXXX, in multiple ways. 
1. Lifted the truck in the air, sidesways and twisted as the only tire still completely on the ground was the drivers front tire, while running and occupied with driver. ( causing the entire body to twist causing air leaks and doors now rub ) * * note car was tightly parallel parked between two cars and unable to be hooked without being pulled out of spot first 2. Threatened multiple times to flip vehicle, if it wasn't vacated while I repeatedly protested him taking my vehicle while I remained inside in the drivers seat.

3. Blocked entire roadway of over an hour and refused to stop repo when I requested and said breach of peace 4. Lied to police saying I drove vehicle off his truck and damaged it ( when he never properly hooked my truck up until after police threatened to attest me if I didn't vacate the truck ) 5. Attempt to create chaos and further complications when he told neighbors I may have hit their vehicles.

I called police for help ( apparently, his assistant had already called them as well from her car a block behind us ) due to fearing for my safety as he had repeatedly made threats and is known to pull weapons on people during repossessions ( multiple people around town have openly discussed and some even pursued legal actions for this ), only to have the police assist him with repossession and threatening me with charges if I didn't vacate the vehicle, and doing nothing about him breaking the laws he broke and telling me yes I do have the right to sue my lender over this situation, which I feel is acknowledging, his wrong doing.

The laws state that repossession is a civil manner and the police are not to assist in repossessions, and that if a breach of peace occurs the repossession is to be stopped at that time, even if I come out during and tell them to stop with the repossession. Tow drivers also aren't to lift the vehilce while occupied, as it creates safety issues.

* * I have photos as well as audio and video recordings of my own and an entire block of witnesses and others who have video and audio recordings to prove all statements above * * Videos to large to attach, available upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I was accused of fraudulent activity. I have no recollection of any of these mishaps that took place. Due to that my accounts have been closing down. Whenever I try to get open a new account it happens again. I have no clue on how to fix it, whos doing it, and why. It is affecting my financial records and my life.

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
TransUnion has willfully violated the Fair Credit Reporting Act ( FCRA ) by refusing to block fraudulent information from my credit file, despite receiving a valid identity theft report and all required supporting documentation under 15 U.S.C. 1681c-2 ( FCRA 605B ).

I am the verified victim of identity theft. I submitted a complete fraud block request with a police report, proof of identity, and detailed documentation identifying specific fraudulent accounts. Rather than complying with federal law, TransUnion issued a boilerplate denial ( File # XXXX ), falsely claiming that the accounts reflected a history of payments or were opened before the reported date of fraud. That response is factually incorrect, unsupported by evidence, and legally indefensible.

TransUnions refusal to block these accounts has caused ongoing harm, including continued reporting of false debt, damage to my credit standing, and emotional XXXX. The FCRA does not grant TransUnion discretion to ignore an identity theft report simply because the furnisher provided unverifiable or outdated information. Once a valid report is provided, TransUnion must block the fraudulent data its failure to do so constitutes willful noncompliance.

I demand that the CFPB investigate TransUnions misconduct, compel immediate removal and blocking of all fraudulent tradelines, require production of TransUnions internal dispute notes, and hold the company accountable for violating the FCRA. I further request that CFPB forward this complaint to all involved furnishers and ensure that they cease reporting these fraudulent accounts.

TransUnions conduct shows reckless disregard for consumer rights and for the statutory protections Congress established to protect identity theft victims. I seek immediate corrective action, written confirmation of the block, and appropriate penalties against TransUnion for this unlawful and harmful behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
TransUnion has willfully violated the Fair Credit Reporting Act ( FCRA ) by refusing to block fraudulent information from my credit file, despite receiving a valid identity theft report and all required supporting documentation under 15 U.S.C. 1681c-2 ( FCRA 605B ).

I am the verified victim of identity theft. I submitted a complete fraud block request with a police report, proof of identity, and detailed documentation identifying specific fraudulent accounts. Rather than complying with federal law, TransUnion issued a boilerplate denial ( File # XXXX ), falsely claiming that the accounts reflected a history of payments or were opened before the reported date of fraud. That response is factually incorrect, unsupported by evidence, and legally indefensible.

TransUnions refusal to block these accounts has caused ongoing harm, including continued reporting of false debt, damage to my credit standing, and emotional XXXX. The FCRA does not grant TransUnion discretion to ignore an identity theft report simply because the furnisher provided unverifiable or outdated information. Once a valid report is provided, TransUnion must block the fraudulent data its failure to do so constitutes willful noncompliance.

I demand that the CFPB investigate TransUnions misconduct, compel immediate removal and blocking of all fraudulent tradelines, require production of TransUnions internal dispute notes, and hold the company accountable for violating the FCRA. I further request that CFPB forward this complaint to all involved furnishers and ensure that they cease reporting these fraudulent accounts.

TransUnions conduct shows reckless disregard for consumer rights and for the statutory protections Congress established to protect identity theft victims. I seek immediate corrective action, written confirmation of the block, and appropriate penalties against TransUnion for this unlawful and harmful behavior.

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 2025-10-19 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 filing this dispute to report inaccurate and/or unauthorized information being reported or handled by [ Company Name ]. Despite my attempts to resolve the issue directly, the company has failed to correct the error or provide proper documentation. The information in question is incorrect and has negatively impacted my financial standing. I am requesting that the Consumer Financial Protection Bureau investigate this matter under the Fair Credit Reporting Act ( FCRA ) according to law 15 U.S.C 1681 and other applicable consumer protection laws to ensure the company provides full verification, correction, or removal of the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this dispute to report inaccurate and/or unauthorized information being reported or handled by [ Company Name ]. Despite my attempts to resolve the issue directly, the company has failed to correct the error or provide proper documentation. The information in question is incorrect and has negatively impacted my financial standing. I am requesting that the Consumer Financial Protection Bureau investigate this matter under the Fair Credit Reporting Act ( FCRA ) according to law 15 U.S.C 1681 and other applicable consumer protection laws to ensure the company provides full verification, correction, or removal of the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me XXXX  because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-10-19 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: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me XXXX  because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: WA

Complaint narrative:
My Discover credit card account was suddenly closed after 11 months of responsible use. The reason they gave was suspicious transactions, but there were no fraudulent or unauthorized charges on my account.

I called Discover and asked them to review these transactions again, but they refused to reopen my account. I always paid on time and never violated any terms. I was also supposed to receive my Cashback Match ( x2 cashback ) after 12 months, but now I lost all my earned cashback because they closed my account just before th

e 12-month mark. I believe this closure was a mistake, and Im requesting Discover to : 1. Reopen my account or provide a detailed explanation of which transactions were suspicious. 2. Return my earned Cashback Rewards and my 12-month
Cashback Match.

I was a loyal customer and feel this was unfair treatment after using the card responsibly for almost a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently sent in several disputes to remove a fraud address that doesnt belong to me,, these 3 credit bureau will not remove it,,, this is a violation of the FCRA THEY HAVE FAILED TO REMOVE THESE ADDRESSES FROM MY CREDIT FILE I HAVE SENT I. ALL THE DOCUMENTS THEY ASKED FOR .. AND WHATS REQUIRED FOR THEM TO REMOVE THESE FRAUD ADDRESSES THAT IS NOT MAIL DELIVEABLE TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year>, I filed a dispute with Cash App for {$85.00} regarding a payment I made for goods/services that were never delivered. Since then, I have contacted Cash App multiple times over XXXX days to get a resolution. 

Despite multiple agents acknowledging that I should have received a provisional credit, my account has received no credit or update. The dispute was miscategorized as a service claim, which has caused delays, and agents have repeatedly told me they can not manually issue the credit. 

I am requesting that Cash App issue a provisional credit of {$85.00} immediately and provide a written confirmation of the posting date. I have attached screenshots of my communications with Cash App support showing the repeated delays and acknowledgment that the credit is owed. 

I have been extremely patient, but the dispute has exceeded the XXXX resolution period stated in Cash Apps policy, and I am seeking intervention to ensure the funds are credited to my account without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: LA

Complaint narrative:
I previously disputed multiple inaccurate and fraudulent accounts with Experian under the Fair Credit Reporting Act ( FCRA ). Experian closed the dispute claiming the accounts were verified, but no evidence, source information, or documentation was ever provided.

This constitutes a violation of FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 7 ) Experian failed to conduct a reasonable reinvestigation and to provide the method of verification. 

The accounts in question include XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX Each was included in my FTC Identity Theft Reports ( XX/XX/year>, and XX/XX/year> ), yet Experian continues to display them. 

Additionally, Experian has failed to block identity-theft accounts within four business days as required under FCRA 605B / 15 U.S.C. 1681c-2.

I am requesting that Experian produce primary-source verification documentation such as signed applications, contracts, or identification used to open each account. If this information can not be produced, Experian must delete the accounts in compliance with 611 ( a ) ( 5 ) and 605B.

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 2025-10-19 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: Credit Control, LLC
State: CO

Complaint narrative:
Comtacted company of there incorrect reporting of account on my credit report. Company did nothing to fix issue.

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 2025-10-19 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief