vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Debt Dispute Letter ( FCRA & FDCPA Validation Request ) XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX LVNV Funding LLC Re : Formal Dispute & Request for Validation of Alleged Debt Account Name : LVNV Funding LLC Reported Balance : {$670.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX To Whom It May Concern, I am contacting you regarding the above-referenced account that you are reporting to the credit bureaus. I am formally disputing this account and requesting full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and my rights under the Fair Credit Reporting Act ( FCRA ). 

The information on my credit report shows the following remarks : Placed for collection Account information disputed by consumer As required by law, please provide complete validation of this alleged debt, including but not limited to : 1. Proof that I am legally obligated to pay this debt.

2. A complete accounting of the amount you claim is owed, including principal, interest, and fees.

3. A copy of the original signed contract or agreement bearing my signature. 
4. The name and address of the original creditor, as well as documentation showing how LVNV Funding LLC obtained the debt. 
5. Proof that LVNV Funding LLC is licensed to collect in my state, if applicable.

6. A copy of your consumer rights notice as required under federal law.

Until you provide proper validation, you are required to : Cease all collection activities, Cease reporting this account, and Cease updating or verifying this tradeline with any credit bureaus. 

If the debt can not be validated, or if any information you have reported is inaccurate, incomplete, or unverifiable, you must immediately delete the account from all credit reporting agencies. 

Please send all correspondence to the mailing address listed above. I request that all communication be in writing. 

Thank you for your prompt attention. 

Sincerely,XX/XX/XXXXXX/XX/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: 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: NY

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 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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: KS

Complaint narrative:
So I recently called you guys customer service saturday in regards to my accounts being under review after I applied for 3 checking accounts and was approved literally after opening those checking accounts that when I got logged out of my us bank online banking mobile app and tried login back in and was told that my account login was XXXX after calling to try to resolve my issue seems nobody could do nothing besides tell me that my accounts are under review. I tried talking to da fraud department and was being told that I had to step into a branch which I dont have in my area the closet us bank branch that closet to me is 6 hours away which im not driving. then was told then I would have to call them back which I did and yet im still getting told the same thing my account is under review. and I did recently file a couple of fraud claims from XXXX and XXXX which I hope thats not the reason you guys are reviewing my accounts just because I filed a couple of fraud claims for some transactions I did authorize

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX, I received an email from XXXX stating that my account features were paused because they detected recent transactions that I may or may not have authorized. To keep my account and funds safe, they requested that I submit a Photo ID, Proof of Address, Bank Statement, and Recent Transaction information. 
When I opened the submission page, the Photo ID section was already marked as completed, even though I had not uploaded anything yet. I am unsure if this was done automatically by XXXX, but I proceeded to submit all the remaining documents. After submitting everything, I received a confirmation email stating that they would respond within XXXX business day. 
However, on XX/XX/year>, at XXXX I received another email from XXXX informing me that they can no longer offer me services and that my account has been permanently limited. 
I tried contacting customer support. I called the phone number provided, but it rang without anyone answering. I then contacted a customer service representative through chat and explained the situation. They informed me that XXXX can not offer me services anymore but did not provide any explanation. I currently have {$45.00} locked in the account. 
I am requesting help to restore my account. I do not run any business through XXXX. I only use it to send and receive payments with my family and friends. I kindly ask for assistance in resolving this issue and regaining access to my account. Thank you

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In the mail, I received a letter stating " Welcome to your new Barclay 's GM Rewards Mastercard. '' Attached was a credit card. I never applied for this credit card.

The letter also states, " Your new Barclay 's GM Rewards Mastercard is here to replace your GM Credit Card from Marcus by Goldman Sachs. '' I never applied for that credit card either, and I'm certain that I took steps to remove that card from my credit report a few years ago. 

I have not activated this card.

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MI

Complaint narrative:
I received a letter from Credit Control , LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX. The letter I received states I incurred a bill with XXXX XXXX from XX/XX/year> and stated I originally owed {$1600.00} and paid {$1500.00} with a remaining overdue balance of {$130.00}. The XXXX XXXX site shows that I have a {$0.00} balance on their site. Nor did I receive this billing from XXXX or any additional contact from 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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MI

Complaint narrative:
The CFPB told me to contact the U.S. Department of Education office of Federal Student Aid. As I went to that department it sent me right back to you. Today is XX/XX/year>, and I sent you a letter asking for help in getting Sallie Mae to stop harassing me. I sent them {$310.00} every month and I still get phones calls on Saturday @ XXXXXXXX XXXX which I called back, and they said the was closed and call back during normal business hours. They want me to let them to take it out of my little, small bank account, and I will never do that so what is the different I sent them a check. This Nasty person I talk to the last time said if I do the program and they can take straight of my account if will get there much faster. How can I stop the harassment. I am the co-singer of the loan ; I don't know where my granddaughter is nor if she is working or back in school so I'm doing the best i can being on social security. And as long as XXXX give me strength in my body, they will get that amount I stated in the statement above. Thank you for listening to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Requesting Method Of Verification on an account that I submitted an FTC Fraud affidavit due to identity theft and fraud.

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 2025-11-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision :XX/XX/1100. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to
believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Company keeps putting that on my credit report like it just happened which is totally false and illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Company Name : Westlake Financial Services Account Number : XXXX Issue : Wrongful repossession, failure to provide required notices, refusal to validate debt, attempted sale of vehicle On XX/XX/XXXX, I purchased a vehicle financed through Westlake Financial Services . My payment was due on XX/XX/XXXX, but the vehicle was repossessed at XXXX XXXX on XX/XX/XXXX, before any payment was late. 

I submitted a formal written dispute requesting : Validation of the debt Copy of the original loan contract Payment history Repossession and towing documentation Explanation for a charge-off date of XX/XX/XXXX, which predates my purchase Westlake Financial Services ignored my requests and falsely claimed that providing notices is a courtesy and not required. They also indicated the car may be sold without providing the legally required Notice of Intent to Sell, which violates XXXX XXXX, XXXX, XXXX, and XXXX  law. 

I demanded immediate restoration of the vehicle and explicitly refused to pay any towing, storage, repossession, or reinstatement fees because the repossession was wrongful. 

XXXX has failed to respond, leaving me without access to my vehicle and subject to potential illegal fees or sale. Their actions constitute : Wrongful repossession Failure to provide legally required notices Attempted collection of invalid fees Ignoring debt validation requests

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-16 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: EQUIFAX, INC.
State: MN

Complaint narrative:
The information being reported is inaccurate, incomplete, and not properly verified as required under the Fair Credit Reporting Act. Under FCRA 607 ( b ) and 611 ( a ), furnishers and credit bureaus must ensure maximum possible accuracy and verify disputed data. Since this account and the related inquiries can not be fully verified with proper documentation or permissible purpose, I am requesting immediate deletion of all unverifiable, inaccurate, and obsolete information from my credit report.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must b
e addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-16 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: GA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXXXXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$8600.00} DEPT OF EDUCATION/XXXX XXXX XXXX XX/XX/XXXX -- {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$290.00}

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account was limited for 180 days. After the limitation period ended, PayPal seized the entire balance without providing any reason, explanation, or documentation. The funds were sent to me by friends for personal usenot for business or commercial purposes. I contacted PayPal multiple times to request clarification, but they refused to respond or justify their actions. 
I am requesting the full return of my personal funds, without exception, as PayPal has provided no proof of any prohibited activity. Their lack of transparency and refusal to communicate violates basic consumer protection standards. I am asking the CFPB to intervene and require PayPal to refund my money and provide a written explanation for the seizure.

Company response to consumer: Closed with explanation