vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV Funding LLC is reporting a collection account they purchased from XXXX XXXX XXXX, which issued a credit card to me in XXXX. However, XXXX XXXX XXXX  is not licensed to lend in XXXX, meaning the debt was illegally originated. 
I requested validation and a breakdown of the balance from LVNV, but they failed to provide anything. Even though LVNV is licensed to collect in XXXX, they are attempting to enforce a debt that is legally unenforceable due to XXXX XXXX  lack of a lending license. 
This is harming my credit and may violate state lending and federal reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
Debt validation I am writing in response to a collection I received from Cavalry Portfolio Services, regarding an alleged debt. I am requesting that you provide validation of this debt as is

my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A copy of the original agreement or contract that bears my signature ( if applicable ) ; 4. Proof that you are licensed to collect debt in my state ; 5. A complete account history, showing all charges and payments ; 6. The name and address of the original creditor if different from the current one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am filing a formal complaint against Barclays for closing my account without cause after months of charging excessive interest and inflating my balance. The balance is abnormally high for my limited card usage, and I demand an investigation. 

I will only agree to pay if Barclays : XXXX. Reopens my account, XXXX. Provides a full breakdown of the charges, and XXXX. Adjusts any unfair or incorrect balances. 

This situation is unacceptable, and I request the XXXXs assistance in resolving it.

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 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
XX/XX/year> Account was frozen, no lnk was provided to validate the account. Over {$9000.00} was in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
Account ALDOUS # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I deposited a check from my attorney in a personal injury case in the amount of {$48000.00} on XX/XX/year> ; I did this at the Huntington bank in XXXX MI. 2 days later I was locked out of online banking. When I called for assistance I was told that my account was being closed and that I needed to wait until the funds cleared before I could withdrawal the. Well I received that email on XX/XX/year>. I called the XXXX number and asked. If I could go and get my funds at the branch. I was told yes. I went to the branch and nobody would help me. I went to 3 branches that day and all of them this me booting and wouldn't help me. XX/XX/year> I called XXXX. Talked to a manager named XXXX. I was on the phone with her for almost 40 mins. We she can't back on she informed me that she was talking with the back office and they were gon na make a note I'm my file that I was good till collect and withdrawal my funds. She told.me to wait until Saturday. Saturday morning I went to the bank again. This time I was told XXXX never noted anything and they couldn't do anything. Third check is from my attorney. He already has to put the check into a XXXX account for it to clear. That took 10 days. Huntington is telling me that the check still hasn't cleared as of Saturday the XXXX. I am in dire need of this money. My children and I have not had anything since the accident. I spent 20 days in XXXX and my XXXX was XXXX I understand they don't want my business but I don't understand why they won't give me my money. I cried too them begged them. I even told them I have documentation stating I'm by that this was a good check. Well documented from emails back and forth. They didn't care of want to see them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: CO

Complaint narrative:
I tried a few to fix this problem all three credit reporting agencies refused to do there jobs. I will only ask one more time for the letter to incure new debt. At time is was in a XXXX XXXX Under federal law. I need the approval for my XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-05-27 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: CO

Complaint narrative:
I tried a few to fix this problem all three credit reporting agencies refused to do there jobs. I will only ask one more time for the letter to incure new debt. At time is was in a XXXX XXXXXXXX. Under federal law. I need the approval for my 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 2025-05-27 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:
Recently I've discovered XXXX was fraudulent items restoring on my consumer credit file. It was blocked under fcra 605b but then reinserted. This fraudulent activity violates the fair credit reporting act. I was never wrote any letter informing me, the consumer that this fraudulent account would be placed again on my file. Once it's taken off, no CRA may reinsert it back on a consumer credit file. This is a monetary violation now. I've submitted the identitytheft report, a copy of my identification and now I'm submitting proof that it was removed and now my credit score has taken a XXXX plus hit over fraud. This is the same practices that the lawsuit was over and the CRA are acting outside their scope of boundaries. This is discriminatory and biased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
Recently I've discovered XXXX was fraudulent items restoring on my consumer credit file. It was blocked under fcra 605b but then reinserted. This fraudulent activity violates the fair credit reporting act. I was never wrote any letter informing me, the consumer that this fraudulent account would be placed again on my file. Once it's taken off, no CRA may reinsert it back on a consumer credit file. This is a monetary violation now. I've submitted the identitytheft report, a copy of my identification and now I'm submitting proof that it was removed and now my credit score has taken a XXXX plus hit over fraud. This is the same practices that the lawsuit was over and the CRA are acting outside their scope of boundaries. This is discriminatory and biased.

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 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This company by the name of LVNV Funding is reporting {$650.00} to my credit report. I already sent a letter to the original creditor requesting copies of the identification they requested to open this account and the copy of the signed credit application. I called them to see why they have not responded to my letter and they said they no longer have the account and that I need to contact LVNV.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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 requested the correction of inaccurate information, which Another credit reporting agency was found to be inaccurate and had removed. Due to your lack of response, or a response that I Classified as frivolous, Credit Bureaus have dishonored the FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX * * Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX  XXXX * Balance : {$25000.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX * Balance {$2500.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX * Balance {$110.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX * * * * * * * * * * * * * * Balance {$760.00} XXXX XXXXXXXX * * * Balance {$1500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-05-27 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 requested the correction of inaccurate information, which Another credit reporting agency was found to be inaccurate and had removed. Due to your lack of response, or a response that I Classified as frivolous, Credit Bureaus have dishonored the FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX * * Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX  XXXX * Balance : {$25000.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX * Balance {$2500.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX * Balance {$110.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX * * * * * * * * * * * * * * Balance {$760.00} XXXX XXXXXXXX * * * Balance {$1500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: PA

Complaint narrative:
I signed up for self credit builder and payed off my account {$510.00}. They said I would receive my refund on the XXXX of XXXX. After XXXX weeks I contacted them about my money and they told me now there is no timetable and they could not offer me any other details. They took my money and now are not returning what is owed. This company is scamming their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: MLB Residential Lending, LLC
State: MD

Complaint narrative:
To Whom It May Concern, Subject : Appraisal and Loan Discrepancy Related to Purchase of XXXX XXXX XXXX I am writing to formally raise a concern regarding a serious discrepancy in the appraisal and loan Documentation for the property I purchased at XXXX XXXX XXXX. My signed purchase at contract, dated XX/XX/year>. Explicitly lists only two parcels as part of the transaction : Parcel # XXXX ( Tax ID XXXX ) Parcel # XXXX ( Tax ID XXXX ) However, the appraisal used to support my mortgage loan includes a third parcel : Parcel # XXXX ( Tax ID XXXX ) This parcel ( # XXXX ) was never referenced in the purchase contract, nor was it agreed upon as part of the sale. Despite this, my loan and appraisal were both based on the value of three parcels, not the two I legally contracted to purchase. To provide context : Timeline of Events XXXX XXXX contract signed, specifying parcels # XXXX and # XXXX only. XXXX Appraisal conducted by XXXX XXXX XXXX who was directed by the seller and conducted the appraisal with no other parties present. XX/XX/year> XXXXLoan closed based on the inflated appraisal including the third parcel. XXXX XXXX discovered the discrepancy upon reviewing the deed and property boundaries, and confirmed the issue through a review of the appraisal report and contract. This third parcel significantly increased the square footage and thus inflated the appraised value of the property. The two parcels I purchased total approximately XXXX square feet while the inclusion of parcel # XXXX increased the total area to approximately 1.2 acres. The appraiser also used marketing photographs, provided by or under the direction of the seller, which depicted all three parcels. This misrepresentation has resulted in a mortgage loan amount that is substantially higher than it should have been, had the appraisal been conducted based solely on the contracted property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXXXXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX * * * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX * * * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX * * * * - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX Dear TransUnion, Re : Request for Removal of Unauthorized/Inaccurate Hard Inquiries Under 15 U.S.C. 1681n This letter serves as formal notice of unauthorized and/or inaccurate hard inquiries on my credit report. I am requesting the immediate removal of these inquiries pursuant to 15 U.S.C. 1681n, which provides for damages and relief for non-compliance with the Fair Credit Reporting Act ( FCRA ). 

* Details of the Inquiries to be Removed : * - Account Name : XXXX card - Date of Inquiry : XX/XX/XXXX - Creditor 's Name : XXXX XXXXXXXX - Date of Inquiry : XX/XX/XXXX - Account Name : XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX - Account Name : XXXXXXXX XXXX - Date of Inquiry : XX/XX/XXXX - Account Name : XXXX  - Date of Inquiry : XX/XX/XXXX - Account Name : XXXX  XXXX - Date of Inquiry : XX/XX/XXXX - Account Name : XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX - Account Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX - Account Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX - Account Name : XXXX -Date of Inquiry : XX/XX/XXXX - Account Name : XXXX - Date XXXX Inquiry : XX/XX/XXXX - Account Name : XXXX - Date of Inquiry : XX/XX/XXXX - Account Name : XXXX -Date of XXXX : XX/XX/XXXX - Account Name : XXXX XXXX - Date of Inquiry : XX/XX/XXXX - Account Name : XXXX - Date of Inquiry : XX/XX/XXXX - Account Name : XXXX - Date of XXXX : XX/XX/XXXX - Account Name : XXXX - Date of XXXX : XX/XX/XXXX These inquiries were unauthorized and/or inaccurately reported. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), credit bureaus are required to conduct a reasonable investigation and correct or delete disputed information that can not be verified. 


15 U.S.C. 1681n provides for civil liability for willful non-compliance with the FCRA, including failure to adhere to reinvestigation requirements under 1681i. Failure to remove these unauthorized inquiries will result in further action.

I request : 1. Immediate removal of the listed hard inquiries from my credit report. 
XXXX. Confirmation of this removal in writing. 
XXXX. A copy of my updated credit report reflecting this correction. 

Sincerely, XXXX XXXX cc : [ Optional : Relevant regulatory bodies or consumer protection agencies, if desired ] ---

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 2025-05-27 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: NV

Complaint narrative:
For the past 34 weeks, I have been unable to access my TransUnion online account. I called TransUnion at least once a week and was told each time that the issue would be escalated and someone would follow up within 5 business days. However, no one ever contacted me, and I still can not access my credit report online. 

I initially requested a copy of my credit report weeks ago but only received it on XX/XX/ 2025. When I reviewed the report, I found two collection accounts that do not belong to me and that I have no knowledge of : XXXX XXXX XXXX  {$670.00} Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$5700.00} Creditor : XXXX XXXXXXXX ( Rental/Leasing ) I have never opened accounts with these companies or been contacted about any such debts. I believe these are reporting errors or a possible case of mistaken identity. These accounts are seriously harming my credit, and I am unable to dispute them effectively due to the ongoing account access issue. 

I tried contacting TransUnion repeatedly to fix both problems the inaccurate account information and the technical issue but nothing has been resolved after multiple attempts. Here is my case number 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