vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
My XXXX XXXX account information and card was sent to the wrong address and all of my money was missing from my account without my permission and I need a bias dispute investigation ongoing with the transactions listed below

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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
State: CT

Complaint narrative:
I have XXXX and lost my cell phone. my XXXX  account is under XXXX and my lost cell phone number associated with this account is XXXX. This number has been discontinued as the phone is lost. Money was sent to this account but as my phone was lost and the phone account closed I have no way to receive this money. I would like the money to be sent back the sender but XXXX  says that they can not return the money. There is NO live person in the XXXX  system to reach and discuss the problem, so right now there is {$1600.00} stuck in XXXX. I can not get my money and the sender is not able retrieve it back into her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint against LVNV Funding LLC, a debt collector that has placed a collection account on my credit report despite the fact that : I do not owe this debt, I have never had any business, account, contract, or relationship with LVNV, I never received any written validation from them, They can not provide a contract bearing my signature, And they continue to report this unknown debt to credit bureaus. 


This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 


-- - SUMMARY OF THE PROBLEM LVNV Funding LLC reported a collection account on my credit report with no prior notification, no proof, no validation, and no documentation showing : What the debt is for Who the original creditor is Whether the debt is legally mine Whether LVNV owns the debt Any signed agreement with my signature I have never had any account, loan, credit card, or service with LVNV Funding LLC or their alleged original creditor. 
This account is fraudulent, unverified, and illegally reported.

-- - LEGAL VIOLATIONS 1. FDCPA 809 ( 15 U.S.C. 1692g ) Failure to Provide Validation of Debt A debt collector must provide written validation of the debt including : The name of the original creditor, Proof of the debt amount, Proof that the debt is owed by me, And a copy of the original signed contract.

LVNV failed to provide ANY of this.

-- - 2. FDCPA 807 False or Misleading Representations LVNV is attempting to collect a debt I do not owe. 
Reporting a collection without verification is false, deceptive, and illegal.

-- - 3. FDCPA 808 Unfair Collection Practices Continuing to report or pursue a debt without proof is an unfair practice.

-- - 4. FCRA 602 & 607 Right to Accurate Reporting LVNV is reporting inaccurate information.

Under FCRA 607, they must ensure maximum possible accuracy.

They have not done so.

-- - 5. FCRA 611 Failure to Reinvestigate After disputing the account with the credit bureaus, LVNV continued to verify it without providing : A contract A signature Any documentation This violates FCRA 611, which requires proper reinvestigation.

-- - 6. UDAAP Unfair, Deceptive, Abusive Acts or Practices LVNV : Reported a debt I do not owe Provided no validation Continued collection activity Used false and misleading credit reporting This is a UDAAP violation under CFPB authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
Can you assess this entry? Its late and potentially flawed.

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 2025-11-15 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: GA

Complaint narrative:
Previously under complaint : XXXX According to Equifax : XXXX XXXX  PLEASE BE ADVISED THAT ACCOUNT INCLUDED IN XXXX  DOES NOT REPORT ANY LATE PAYMENTS. HISTORICAL ACCOUNT INFORMATION WAS UPDATED ON THIS ACCOUNT THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACCOUNT HISTORY, HISTORICAL ACCOUNT INFORMATION Public Record : XXXX  A DISMISSED/DISCHARGED XXXX XXXX XXXX REMAINS ON THE CREDIT FILE FOR XXXX YEARS FROM THE DATE FILED. HELLO, I DON'T RECALL a XXXX XXXX XXXX UNLESS THEY MEAN IN XXXX??? IF SO XXXX would have been the XXXX year mark for this to have been removed from my CREDIT report. The attached clearly indicates I had a XXXX  XXXX whose last payment was made in XX/XX/XXXX XXXX years later and still this erroneous information OF A XXXX XXXX versus XXXX  XXXX which requires this information to be TOTALLY removed because it is inaccurate! ONCE AGAIN The information is wrong/INACCURATE THEREFORE IT MUST BE REMOVED OFF MY REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I am costumer of Citibank for more of XXXX  years ago and I received offer of credit card during XX/XX/XXXX where they offer me 0.00 % intro XXXX on purchases for XXXX months but I did my first purchase on XX/XX/XXXX for XXXX and they charged interest for {$56.00} on XX/XX/XXXX. 
I called to claim about this issue on XX/XX/XXXX and I spoke with XXXX and she said me that I sent the letter of offer as like proof to email Citi application offers XXXX and I procced to send information requested on same date. Citibank sent me a confirmation letter on XX/XX/XXXX that the annual percentage rate 0.00 % effective XX/XX/XXXX for purchases made through XX/XX/XXXX and they did credit for interest charged on XX/XX/XXXX but on XX/XX/XXXX they charged interest of XXXX XXXX  % for {$75.00}, They also charged during months of XX/XX/XXXX {$57.00} and XX/XX/XXXX {$55.00}. 
Due to what happened, I contacted the credit card department again on XX/XX/XXXX, and I spoke with XXXX, and I explained the situation, but he told me I had to continue paying interest. 

Thank you for your cooperation.

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 monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: A.R.M. Solutions, Inc.
State: NY

Complaint narrative:
Sometime in XX/XX/year>, a gentleman came knocking at my front door. He was a young man and looked very kind. He said he was in the area to do some work that was canceled. So he could give me a great deal on pest control for my outdoors. I asked how much he said {$250.00} and they would spray the yard for rodents and pests, etc.. 
I generally would have refused. But I felt badly for the gentleman and I agreed. 
I paid him. And we were through later on. I got messages and emails regarding my past due account on my subscription. I never signed up for a subscription nor did I sign anything at all. I simply paid him what he asked me for at the time of service. When looking into this on the website, I find that it is a scam and has been done to many people before. I immediately wrote to them and told them that I had no intention of continuing on with this scam and then I'm not paying them and then I will reach out to other agencies for help. I have a copy of that email. 
" XXXX XXXX, pest solutions '' New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: AZ

Complaint narrative:
Ive been trying to invest in cryptocurrency and bitcoin online sadly, the companies that I was investing in were scammers, and I lost a great deal of money and never received XXXX  or XXXX  in return

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CO

Complaint narrative:
XX/XX/year> email stating I opened account I did not XX/XX/year> notice of email change on the above listed account XX/XX/year> email asking to add funds to account XX/XX/year> email reminder to add funds or account will close XX/XX/year> email stating account closed due to not depositing funds XX/XX/year> spoke with us bank fraud dept via phone they locked account. 

Letters received in mail week of XX/XX/XXXX notice of opening account.

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 2025-11-15 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 have no connection here ; remove these accounts within 15 days as USC 1681g mandates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am reporting a fraudulent Discover Card credit card account that appears on my credit report. The account shows an opening date of XX/XX/scrub>, 2024, but I did not open this account and never authorized Discover to issue me a credit card. 

Details : This Discover credit card account was opened without my knowledge or consent. 
I was incarcerated at the time this account was opened, which makes it impossible that I opened or authorized this account. 
I have no relationship with Discover for this account. 
I disputed the account with the credit bureaus, but it was not removed despite the fact that Discover has not supplied any proof that I opened this account. 
I have not received an application, signature, device information, IP address, or identity verification connecting me to this account. 
This fraudulent account is damaging my credit and preventing me from obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
Kindly look over the documents supplied ; the questions came with no prior warning and may be unapproved.

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 2025-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Climb Credit Inc.
State: ID

Complaint narrative:
I financed an online course with a company called XXXX. The company shut down XX/XX/year> and I am no longer receiving their services that I paid for. I have talked to climb and they told me I have to contest for a refund from XXXX using XXXX however every attempt to communicate with the company has failed. All phone numbers have been disconnected and all emails that were provided to me and climb also do not work. Under the FTC Holder Rule ( 16 CFR 433 ) and federal consumer credit protections, when a school shuts down and stops providing the program that was financed, the lender can not force students to chase the closed school for refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
I am submitting this statement regarding the XXXX credit card account and other credit report issues that are inaccurate, inconsistent, and potentially fraudulent. 
Account Information Issues : The XXXX credit card account is reported differently across the XXXX credit bureaus. The credit limit is not the same, the date opened differs, and the last reported, date last active, and date of last payment fields are inconsistent. 
TransUnion shows no collection activity, Experian reports the account fully in collections/charge-off, and Equifax reports all payments as on-time. These discrepancies are clear violations of the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ), which requires credit reporting to be accurate, complete, and consistent.

Debt Collection Harassment : I am receiving calls from debt collectors regarding this account, which I do not recognize. This is a violation of the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692 ). Collectors must cease contacting me for debts that are disputed or potentially fraudulent. 
Unauthorized Inquiries : There are multiple hard inquiries that I did not authorize from XXXX, XXXX XXXX, XXXX  XXXX XXXX, and other creditors. These are violations of my rights under the FCRA and may constitute fraudulent activity.

Impact on My Life : These inaccurate reports are preventing me from qualifying for a mortgage and severely affecting my ability to provide a home for my family. The damage caused is real, significant, and ongoing. 
Legal Basis for Action : Under federal law, I have the right to : FCRA ( 15 U.S.C. 1681 ) Accurate, complete, and verified credit reporting ; dispute and removal of inaccurate or unverifiable information ; blocking fraudulent items.

FDCPA ( 15 U.S.C. 1692 ) Protection against harassment by debt collectors, including for debts I do not owe.

FACTA ( Fair and Accurate Credit Transactions Act ) Access to credit reports and identity theft protections, including fraud alerts and identity theft reports. 
State and federal identity theft protections Unauthorized accounts and inquiries can be treated as identity theft and removed. 
Request for Immediate Action : I demand that the XXXX account, all inaccurate or inconsistent information, and unauthorized inquiries be investigated, corrected, or removed immediately. The failure to correct this information is a violation of federal law and continues to cause significant financial and emotional harm. 
I am prepared to escalate this dispute to regulators and legal authorities if these violations are not corrected promptly.

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 2025-11-15 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: NY

Complaint narrative:
I am submitting this statement regarding the XXXX credit card account and other credit report issues that are inaccurate, inconsistent, and potentially fraudulent. 
Account Information Issues : The XXXX credit card account is reported differently across the XXXX credit bureaus. The credit limit is not the same, the date opened differs, and the last reported, date last active, and date of last payment fields are inconsistent. 
TransUnion shows no collection activity, Experian reports the account fully in collections/charge-off, and Equifax reports all payments as on-time. These discrepancies are clear violations of the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ), which requires credit reporting to be accurate, complete, and consistent.

Debt Collection Harassment : I am receiving calls from debt collectors regarding this account, which I do not recognize. This is a violation of the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692 ). Collectors must cease contacting me for debts that are disputed or potentially fraudulent. 
Unauthorized Inquiries : There are multiple hard inquiries that I did not authorize from XXXX, XXXX XXXX, XXXX  XXXX XXXX, and other creditors. These are violations of my rights under the FCRA and may constitute fraudulent activity.

Impact on My Life : These inaccurate reports are preventing me from qualifying for a mortgage and severely affecting my ability to provide a home for my family. The damage caused is real, significant, and ongoing. 
Legal Basis for Action : Under federal law, I have the right to : FCRA ( 15 U.S.C. 1681 ) Accurate, complete, and verified credit reporting ; dispute and removal of inaccurate or unverifiable information ; blocking fraudulent items.

FDCPA ( 15 U.S.C. 1692 ) Protection against harassment by debt collectors, including for debts I do not owe.

FACTA ( Fair and Accurate Credit Transactions Act ) Access to credit reports and identity theft protections, including fraud alerts and identity theft reports. 
State and federal identity theft protections Unauthorized accounts and inquiries can be treated as identity theft and removed. 
Request for Immediate Action : I demand that the XXXX account, all inaccurate or inconsistent information, and unauthorized inquiries be investigated, corrected, or removed immediately. The failure to correct this information is a violation of federal law and continues to cause significant financial and emotional harm. 
I am prepared to escalate this dispute to regulators and legal authorities if these violations are not corrected promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: MD

Complaint narrative:
This XXXX XXXX account ending in XXXX is the result of identity theft. I have filed an official police report and will upload it here. 

Police Report Number : XXXX Agency : XXXX XXXX XXXX XXXX Date Filed : XX/XX/year> Under FCRA 1681c-2, once an identity theft report is submitted, the furnisher is legally required to : XXXX. Cease all reporting of fraudulent information, XXXX. XXXX the account within XXXX business days, XXXX. Stop verifying or furnishing any negative information related to this account. 

This is a formal cease-and-desist demand. 
XXXX XXXX must block, delete, and permanently remove all negative information connected to this fraudulent account, including any late payments, charge-offs, collection codes, or loan advancement history. 
XXXX is prohibited under federal law. 

XXXX XXXX Police Report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This XXXX XXXX account ending in XXXX is the result of identity theft. I have filed an official police report and will upload it here. 

Police Report Number XXXX XXXXXXXX Agency : XXXX XXXX XXXX XXXX Date Filed XXXX XXXXXX/XX/year> Under FCRA 1681c-2, once an identity theft report is submitted, the furnisher is legally required to : XXXX. Cease all reporting of fraudulent information, XXXX. XXXX the account within XXXX business days, XXXX. Stop verifying or furnishing any negative information related to this account. 

This is a formal cease-and-desist demand. 
XXXX XXXX must block, delete, and permanently remove all negative information connected to this fraudulent account, including any late payments, charge-offs, collection codes, or loan advancement history. 
XXXX is prohibited under federal law. 

XXXX XXXX Police Report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation