vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I checked my credit reports and found an account from XXXX XXXX XXXX, I dispute the account with XXXX XXXX XXXX XXXX XXXX received my dispute, XXXX XXXXXXXX conducted an investigation after the investigation, XXXX XXXXXXXX found out the account was indeed a fraud, XXXX  XXXX remove the account from all my tree credit agencies and also sent me a letter of the outcome. XXXX months later the same account showed on my credit reports by a company named Resurgent Capital Services, I sent them a debt validation letter and also filed a dispute with all XXXX credit agencies, the account was deleted again, after the account reappeared on my credit reports again this time it LVNV Funding LLC which is a partner with Resurgent, I disputed the account and requested a debt validation and a copy of the purchase agreement, what they sent me were some credit card statement with the original creditor name only, they did not provide what i requested, they did not notify the credit agencies that the account was dispute and did not remove the account from my credit reports. That is a violation of the FCRA rules and regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
Im asking for XXXXXXXX XXXX XXXX to immediately remove or XXXXXXXX XXXX XXXX XXXX ending in XXXX due to fraudulent activity under the XXXX XXXX XXXX due to identity theft also included a police report number XXXX. Could you please Remove or investigate immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: TX

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

FRAUDULENT ACCOUNTS : XXXX  XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX -- Balance : {$1000.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$600.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX -- Balance : {$1300.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX # XXXX -- Balance : {$2200.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$260.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/2025 daughter sent money to my Cash App acct but it went into one that should not have open. I have. {$660.00} in this acct : XXXX XXXX. There was {$60.00} already in there did not remember. They havve tried everything the same process not working and I know they know it does not work. I have done all they have asked me to do, process still not working. I can not talk to anyone except those in call center. However this account should not have been open I closed it, I lost my card and called to let them know to close it. But in having opened a new cashapp account I found out that money was still in this account that should have been closed. And some how that is where this {$600.00} went into from my daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Leafy Financial, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Leafy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Debt Verification and Cease Communication Request Account/Reference Number : XXXX ________________________________________ To Whom It May Concern : This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) and 1692g ( b ).

I am requesting that you provide validation of the alleged debt, including but not limited to : 1. The name and address of the original creditor XXXX. The amount of the alleged debt, including a breakdown of principal, interest, and fees ; XXXX. A copy of any written agreement bearing my signature showing that I agreed to assume this debt ; and XXXX. Proof that your company has the legal right to collect on this account. 
Until you provide such verification, you must cease all collection activities and communications concerning this alleged debt. 
Additionally, pursuant to 15 U.S.C. 1692c ( c ), I am requesting that you cease all further communication with me regarding this matter, except as permitted by law specifically, to provide the requested validation, to confirm that your collection efforts are being terminated, or to notify me of specific legal remedies you intend to pursue. 
Please be advised that any further unauthorized communication will be documented and may constitute a violation of federal law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX Date : XX/XX/XXXX XXXX Subject : request for investigation of inaccurate credit information confirmation # XXXX Dear Experian, Equifax, Transunion and Dispute department I " am writing to dispute several items on my credit report dated XXXX XXXX that appear to be inaccurate or incomplete.please investigate the following : XXXX : XXXX XXXX XXXX : Account XXXX I do not recognize this account and the reported dates are inconsistent ( first delinquency XX/XX/XXXX, account opened XXXX ). Please verify ownership and correct or remove this account if it can not be validated. 
XXXX : XXXX XXXX XXXX : Account XXXX This account shows an outstanding balance deposite repossession and closure in XXXX. Please verify the balance correct the status to " closed/charged off '', or remove if no balance is due. 
XXXX : XXXX XXXX : Account XXXX This student loan appears twice on my report with different balances. Please remove the duplicate entry so only one accurate record remains. 
XXXX : XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 
These inquiries were part of a single auto loan application and should be treated as one under FCRA604 ( a ) ( 3 ) ( A ). Please review and consolidate or remove duplicates.

I have attached a copy of my id and recent utility bill for identification verification. Please complete the investigation within 4 as required by the fair credit Reporting Act ( FCRA ). in other uncorrect account to Dispute. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX ( last XXXX ) : XXXX XXXX : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX Date : XX/XX/XXXX XXXX Subject : request for investigation of inaccurate credit information confirmation # XXXX Dear Experian, Equifax, Transunion and Dispute department I " am writing to dispute several items on my credit report dated XXXX XXXX that appear to be inaccurate or incomplete.please investigate the following : XXXX : XXXX XXXX XXXX : Account XXXX I do not recognize this account and the reported dates are inconsistent ( first delinquency XX/XX/XXXX, account opened XXXX ). Please verify ownership and correct or remove this account if it can not be validated. 
XXXX : XXXX XXXX XXXX : Account XXXX This account shows an outstanding balance deposite repossession and closure in XXXX. Please verify the balance correct the status to " closed/charged off '', or remove if no balance is due. 
XXXX : XXXX XXXX : Account XXXX This student loan appears twice on my report with different balances. Please remove the duplicate entry so only one accurate record remains. 
XXXX : XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 
These inquiries were part of a single auto loan application and should be treated as one under FCRA604 ( a ) ( 3 ) ( A ). Please review and consolidate or remove duplicates.

I have attached a copy of my id and recent utility bill for identification verification. Please complete the investigation within 4 as required by the fair credit Reporting Act ( FCRA ). in other uncorrect account to Dispute. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX ( last XXXX ) : XXXX XXXX : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: Central Portfolio Control Inc.
State: VA

Complaint narrative:
They repossessed my vehicle without first providing me a required Notice Of Default or Right To Cure violating my states consumer protection laws. After reposession, I was never given a Notice Of Sale or a Deficiency Balance Notice which are required under USCC 9-614 it is also being reported to the credit agencies inaccurately and without proper documentation violating the Fair Credit Reporting Act 15 U.S. Code 1681-2 I am demanding full investigation and immediate removal from all credit reports due to this violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am asserting violations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

This account is being reported as charged off and past due in the amount of {$1000.00} as of XX/XX/XXXX. No recent payments have been reported, and the account remains on file despite being written off internally by the creditor. 

I hereby dispute the accuracy, completeness, and legal validity of this account as currently reported. XXXX XXXX XXXX XXXXXXXX XXXX is furnishing inaccurate and misleading information to consumer reporting agencies in violation of the FCRA, including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Duty to furnish accurate information.

15 U.S.C. 1681s-2 ( b ) ( 1 ) : Duty to investigate and correct disputed information after receiving notice from a consumer reporting agency. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Reporting a charged-off debt without clarifying that it is disputed or inaccurately verified can be deemed materially misleading and a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
On XX/XX/2025, I filed a legitimate complaint against LVNV Funding, LLC. In response, LVNV falsely and deceptively claimed that my complaint was submitted by an unauthorized third party. That statement is entirely false I personally submitted this complaint. This appears to be an intentional attempt to evade federal accountability and obstruct a lawful consumer dispute under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

Despite having received a formal debt validation request pursuant to 15 U.S.C. 1692g ( b ), LVNV Funding has continued to report, publish, and furnish this alleged debt without providing competent evidence that they are authorized to collect or report it. Their ongoing reporting of an unverified account constitutes a willful violation of : 15 U.S.C. 1692e False or misleading representations ; 15 U.S.C. 1692g ( b ) Failure to cease collection without validation ; 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate or unverified information ; and 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation.

LVNVs deliberate misrepresentation that my CFPB complaint was filed by a third party not only violates consumer protection statutes but also reflects a pattern of bad-faith practices designed to silence legitimate consumer grievances and avoid compliance obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
M & T Bank is still not accepting additional principal payments. When I took out this RV loan the RV dealership finance person and salespeople told me numerous times the was no problem with additional principal payments and early payoff. I went to make my first payment and asked how to make an additional Princ payment and was told I can not. I looked at my paperwork and there is NOTHING that says I can't. This was escalated and she ( XXXX ) told me I couldn't, then I COULD and then called me again and said I could not. In the last phone call, she said they were working on something to make it possible to make additional Principal payments but not yet. This is unacceptable. I would file with the OCC but this is not a Fed Bank. I will probably contact the most favorable AG in one of the 13 States they are in. But first I wanted to get back to you. My complaint was not settled because she called back and said NO YOU CAN'T MAKE ADDITIONAL PRINC PAYMENTS... How is this not FRAUD??? I need to be able to do this and need a reliable way to do in and I would like that from them in writing. I checked online in forums and other people have run into this and said you can do it, but the Bank discourages it and makes it difficult.

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 2025-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I applied with Citizens Bank for a mortgage. 

I paid an appraisal fee that I was told is refundable as long as they dont do an appraisal. No appraisal was done. 

I did not use Citizens to close. I have reached out for a refund of my appraisal and no one has responded to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-02 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- {$5800.00} - Date Opened : XX/XX/XXXX XXXX XXXXXXXX # XXXX -- {$1000.00} - Date Opened : XX/XX/XXXX TBOM/CONTFIN # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX CRED # XXXX -- {$2100.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX {$1900.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- {$2600.00} - Date Opened : XX/XX/XXXX XXXX CRED # XXXX -- {$2000.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: OH

Complaint narrative:
There is a balance in my cash app account and they have blocked the account and wont tell me why they said to open a new account veify my identity and they would tranfer the balance to the new account which i submitted alk the documwnts and then they closed the acxount for yiolating terms of service agreement on account i javent even been verified to use yet and they will not allow me to access either account for over a month now and wont release my balance either i discovered what is the only explanation i can see and thats my ohio license reads last name first then first name then middle name XXXX XXXX XXXX but my name is XXXX XXXX XXXX i brouhht this to their attention but still nothing and i mean nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: NC

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX ( XXXX ) on my TransUnion credit report with a reported balance of {$300.00}. The account is listed as placed for collection, but I have no record of this debt, nor was I ever provided with a legally valid debt validation notice. XXXX is reporting unverifiable and inaccurate information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

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 2025-11-02 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: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
I am filing this complaint against RentDebt Automated Collections , LLC and TransUnion XXXX for reporting inaccurate and unverifiable information on my credit report.

A collection account from RentDebt Automated Collections in the amount of {$8500.00} has been added to my TransUnion credit file. I have never lived at or rented from the property associated with this alleged debt, nor have I ever entered into any contractual agreement with this company. This is a clear case of inaccurate and unverifiable reporting, and it is damaging my credit profile.

I have already submitted a written dispute to TransUnion requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have not received any documentation proving this debt is valid or that I am responsible for it. Therefore, I am requesting that the CFPB step in to ensure both TransUnion and RentDebt Automated Collections delete this account entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened a XXXX XXXX credit card account that later went into default with an original balance of {$590.00}. The debt was sold to Portfolio Recovery Associates, and by XX/XX/XXXX, it appeared on my XXXX XXXX XXXX XXXX  credit reports under various names ( Portfolio Recovery Associates, Portfolio RC, and as a debt buyer ) showing a {$590.00} balance, 0 % paid off, and statuses including " Collection Account '' and " Placed for collection. '' On XX/XX/XXXX, I contacted Portfolio Recovery Associates at ( XXXX ) XXXX and spoke with a representative who explicitly agreed that if I paid the full {$590.00} immediately via electronic transfer, the account would be reported as paid in full and permanently deleted from all three credit bureaus within XXXX business daysno further reporting, no " paid collection '' status, just complete removal as if the trade line never existed. I completed the payment that same day ( XX/XX/XXXX ), and the collector confirmed the balance was updated to {$0.00} with a paid-off percentage of 0 % by XX/XX/XXXX. Despite this, as of XX/XX/XXXX, the account remains on all three credit reports exactly as before, with no deletion or update reflecting the agreement. This breach of the pay-for-delete arrangement has caused ongoing harm to my credit profile, and I request that the CFPB require XXXX XXXXXXXX, Portfolio Recovery Associates, XXXX XXXX XXXX XXXX XXXX to honor the verbal contract by immediately and permanently removing the entire trade line from my credit files.

Company response to consumer: Closed with explanation