vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
XX/XX/year>, I can not log into my account through Avant 's website!!! It keeps saying " page is down '', and they tried to re-direct me several times. I never had this happen before, and I have to make a payment in the next couple days!!! When I call their number, they have too strong an accent and refuse to send me to someone from the USA!!! And they were supposed to have a manager call, and never did!!! I see a lot of people have had this issue with them too!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP

Complaint narrative:
I am unable to access my account online for XXXX months. I have called 3 times and talked to them for hours but no fix. Last time my call was transferred to another department and they said to call back on the number provided on the back of the card. That's what I did. I called the number on the back of the card and they transferred me. I am unable to access my account, and their customer service has been unprofessional. There is only one number that I can contact and no other to way to escalate.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Before me, the undersigned authority, appeared who being first duly sworn, says that XXXX XXXX and Resurgent Capital/LVNV Funding has failed to Preform a reasonable investigation into the Resurgent Capital/LVNV Funding accounts on their respective credit reports in accordance with 15 U.S.C.1681s-2 ( b ), and 15U.S.C. 1681i ( a ) ( 1 ) ( A ).

Before me, the undersigned authority, appeared who being first duly sworn, says that XXXX, XXXX  and Resurgent Capital/LVNV Funding has failed to provide Proof of Ownership : Bill of Sale or Assignment Contract. False Representations : Regulation F and the Fair Debt Collection Practices Act ( FDCPA ) prohibit the use of any false, deceptive, or misleading representation in connection with the collection of a debt, including false representations of " the character, amount, or legal status of any debt ''. 

RE : Account Validation Request RE : Inaccurate Reporting/Deceptive Reporting Practices RE : Notification of Legal Proceedings Identifiers : Western District Missouri : Case Number XXXX XXXX  Partial Account Number : XXXX. 
XXXX  Partial Account Number : XXXX  XXXX Based on : XXXX  Report Number : XXXX dated XX/XX/year> XXXX  Report Number : XXXX dated XX/XX/year> Account Verification Letter dated XX/XX/year> CFPB Case Number : XXXX Written Notification / CFPB Complaints : CFPB Complain Number : XXXX CFPB Complain Number : XXXX CFPB Complain Number : XXXXResurgent Capital/LVNV Funding

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
XXXX XXXX email invoice dated XXXX for amt {$340.00} for XXXX purchase using my credit card. Order ID XXXX for XXXX purchase of {$340.00} auto debit on XXXX XX/XX/XXXX. I did not make this purchase. Customer support tel number XXXX did not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX for reporting, verifying, and attempting to collect a debt that is inaccurate, incomplete, and unverifiable in violation of the FCRA and FDCPA. 

The vehicle financed by XXXX XXXX XXXX XXXX was repossessed and sold at auction ; the alleged deficiency balance is unsupported and unverifiable. Despite multiple prior disputes, the same debt continues to be re-reported and has now resulted in a lawsuit ( Cause No. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX ). 

Violations include FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), FDCPA 807 ( 2 ) ( A ), 808 ( 1 ), and FTC Act 5 ( a ).

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 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
To Whom It May Concern, This letter serves as a formal follow-up to my previous correspondence dated [ XX/XX/year> ], regarding the account ending in XXXX, which you allege is owed to Portfolio Recovery Associates , LLC on behalf of XXXX XXXX XXXX .

I have not received any verification or documentation in response to my original request. Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide written validation of the alleged debt before continuing any collection activity.

Despite my dispute, I have now received a mailed notice attempting to collect this same debt. This is a violation of my rights under 15 U.S.C. 1692g ( b ), which requires you to cease all collection efforts until the debt has been properly verified.

To reiterate, please provide the following : Verification that the alleged debt is valid and accurate. 
Documentation showing the date of the last payment made on this account. 
Proof that this account is still within the statute of limitations for collection in my state. 




Until you have provided this documentation, you are required by law to cease all collection activity, including but not limited to : Contacting me by phone or mail regarding this account, Reporting or continuing to report the alleged debt to any credit reporting agencies, and Selling or assigning the account to any third party.

If you fail to comply, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office for violations of the FDCPA. 



Please treat this as a final written request for full debt validation and compliance with federal law. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Meta Payments Inc.
State: VT

Complaint narrative:
I was creating content for XXXXMeta via their monetization program. All was going well until they stopped remitting funds they owed me starting in XX/XX/year>. I started getting messages stating that my monetization was being withheld, pending verification of my identity. I provided the documentation hey requested numerous times. I spoke with their support team by phone several times and they promised to rectify the issue. After that, they would never respond back, as promised and to this very date, they still promise to pay the money they owe but I suspect they are using bots to send automated responses.They currently owe me about {$1500.00} but more importantly, it caused me to suspend my activity on their platform because I was not getting paid and this has resulted in losing several XXXX dollars. I have screenshots, etc. that I would be happy to provide if helpful for your review. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DigniFi
State: TX

Complaint narrative:
Debt collector XXXX  acct XXXX balance XXXX XXXX XXXX. This debt keeps reporting on my credit when it supposed to been deleted. I spoke with XXXX agent by the name of XXXX on XX/XX/XXXX, she discussed via phone recorded conversation. She strongly explained XXXX doesn't report any charged off accounts to any credit bureaus. She said this acct balance on credit report is XXXX when it should state XXXX. She reassured this acct charged off XX/XX/XXXX that XXXX shouldn't be the XXXX reporting but XXXX XXXX XXXX could report since this account is showing paid in full and charged off. All these discrepancies discussed but refused to delete this especially due to XXXX doesn't report charges off accounts. This account will be permanently deleted in XX/XX/XXXX. 

XXXX credit reporting agency told me XXXX requested for this account to be reinserted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
XXXX XXXX XXXX COLLECTION DISPUTE ( FCRA 602A, 609, 611, 623 ; FDCPA 807, 809 ; 15 U.S.C. 1681 et seq., 1692 et seq. ; Regulations XXXX & XXXX ) To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX Date : [ XXXX ] Subject : Formal Dispute XXXX XXXX XXXX XXXX Collection ( {$2900.00} ) Dear TransUnion, I dispute the XXXX XXXX XXXX XXXX collection account ( reported XX/XX/XXXX ; balance {$2900.00} ). This entry is inaccurate and unverified and violates both the FCRA and the FDCPA. 

Legal Basis FCRA 609 ( a ) ( 1 ) ( A ) Right to receive all data sources used to report an item.

FCRA 611 ( a ) Mandates reasonable reinvestigation and deletion if unverifiable.

FCRA 623 ( a ) ( 1 ) ( A ) Furnisher may not report information known to be inaccurate.

FDCPA 807 ( 8 ) [ 15 U.S.C. 1692e ( 8 ) ] Prohibits furnishing false credit information.

FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ] Requires debt validation before continued reporting or collection.

Regulation V, 12 C.F.R. Part 1022 and Regulation F, 12 C.F.R. Part 1006 Implementing rules for CRA and collector conduct. 

Validation and Verification Demands Provide within XXXX  days : XXXXA copy of the original contract bearing my signature or a sworn affidavit explaining its absence. 
XXXXAn itemized statement showing how the {$2900.00} balance was calculated. 
XXXXDocumentation proving assignment or ownership transfer to XXXX XXXX XXXX XXXX 
XXXXEvidence of the furnishers compliance with FCRA 623. 
XXXXAll communications between TransUnion and XXXX XXXX XXXX this account. 

Notice of Consumer Participation Requirement Under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 2 ) ( A ) ( 15 U.S.C. 1681i ), your reinvestigation must include my input and all relevant information I provide. Any investigation conducted without contacting me constitutes a false and incomplete investigation under FCRA and Regulation V, 12 C.F.R. 1022.43 ( e ). I require written confirmation of my direct involvement in the process. If you verify this account without doing so, such verification is invalid and must be deleted under FCRA 611 ( a ) ( 5 ) ( A ). 

If XXXX XXXX fails to validate this debt within the time limits, you must delete this collection entry and notify me in writing. Continued reporting of unverified data will be reported to the CFPB, FTC, and the Maine Attorney General. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On several occasions Ive requested a debt validation letter from source to show I have an agreement and contract with them. Ive yet to receive such documents with my signature and validation. However on a daily basis I keep on receiving text messages in regards to this debt for collection agency. Please provide requested information or seize all communication as we have no agreements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
There were multiple withdralws from my TD bank checking account for the same amount through XXXX XXXX. XXXX transactions in total for same amount {$320.00}. I don't even have XXXX XXXX. I disputed it and TD credited me. Yesterday they took all the money back causing an overdraft and negative balance. It was around XXXX in fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: NM

Complaint narrative:
I took out a personal loan to buy solar panels in XXXX. I bought the solar panels out right and continue to pay on them until XX/XX/XXXX when I experience significant financial hardship. No longer having physical access to the solar panels due to personal reasons.I contacted goodleap and offered them a settlement which they ignored for multiple months despite me calling and emailing. During this time, they were harassing me and threatening me with damage to my credit and threatening me with putting a lock on my property. After many months of no communication and threats of a right off despite already having taken off the lien of the solar panels prior they wrote off the debt without communication of settlement in XX/XX/XXXX. This had damaged my credit report and they have not provided me with a XXXX. They continue to harass me multiple times demanding payment.

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: VA

Complaint narrative:
This letter serves as a formal demand for deletion of the inaccurate and duplicate accounts being reported under multiple creditors on my consumer report. These accounts represent the same debt being reported twice, which is deceptive, misleading, and damaging to my credit profile. 
I have no contract with either of these companies, and I do not owe either of them. Continuing to report these items as verified despite the legal and sufficient documentation Ive provided is a willful violation of the Fair Credit Reporting Act ( FCRA ). 
Your reliance on third-party verification systems such as XXXX, E-Oscar, or other data resellers is INVALID AND INACCURATE. 
Such sources do not meet the standard of a lawful or reasonable investigation under 1681s-2 ( b ) and can not be used as a substitute for direct verification with the original creditor. This practice constitutes a SHAM INVESTIGATION and deliberate noncompliance with federal law. 
In light of multiple active lawsuits against credit bureaus and data furnishers for these same deceptive and negligent practicescombined with the data breaches that have compromised consumer identities nationwideyour continued reporting of these accounts is a clear act of willful misconduct. 
These accounts are NOT mine, DUPLICATED, and FALSELY VERIFIED. 
DELETE THEM IMMEDIATELY.

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 2025-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
My Car was financed by XXXX XXXX i only had to pay XXXX more months to finish off the loan i had gotten a extension from them i have tge message still were they asked me if i need it anextension to extended onecmore month wich i replied yes so according to my conversation wirh their repi was goid fo that month but i wsdnt cuz they came picked up the car with all my personel things that never got back and the car was repoed for the XXXX last payments and now some third party is charging me the XXXX months that the finance kept the car i have proof of all payments and extensionis so Unfair and dispicuble for these individuals from these lying egencys to scam hard working people they keot all the money and the car

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc.
State: CA

Complaint narrative:
A payroll check from my employer " XXXX XXXX XXXX '' was deposited on XXXX, 2025 for {$790.00} into an account I do not recognize nor do I have any recollection of having the credentials to access. I called HR to see about any resolution or different avenues to go through to attempt to fix this situation as those wages were earned and owed to me but I never received them. They told me that it was out of their hands since they deposited it into an account somehow allegedly connected to me. They were of little to realistically no help whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
offending Financial Institution : Fraud Management Department America First Credit Union XXXX. XXXX XXXX XXXX, UT XXXX I am writing to file a formal complaint regarding the handling of XXXX XXXX deposits posted to my account on XX/XX/year> at your XXXX XXXX branch. 
Both deposits appeared in my online banking as available funds. When I went to the branch to obtain a cashiers check to pay a bill, staff informed me that both deposits had suddenly been placed on fraud hold, and I was unable to access the funds. 
I received no written notice or explanation for the action. I spoke with employees at both the XXXX XXXX XXXX and XXXX headquarters a total of XXXX representatives and XXXX supervisor. Each told me that the funds could be held for up to XXXX days, but none could confirm when they would actually be released or how I would be notified. When I asked if a check I wrote would bounce, the supervisor responded it depends, without offering a clear answer. 
I would also note that I previously received ACH deposits from the same issuer, XXXX, on XX/XX/year>, which were accepted and made available immediately without any fraud hold. Although the XX/XX/XXXX deposits were not identical, they originated from the same verified source. The inconsistent treatment of these deposits, combined with the lack of written notice and defined procedures, raises concerns about XXXX compliance with Regulation E and NCUA consumer-protection standards related to ACH processing, timely notification, and consistent application of internal policies.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
From : XXXX XXXX XXXX XX/XX/XXXX DOB LAST OF SSN # XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have XXXXhirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, 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 non-monetary relief