vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I did not give written expressed or implied consent for LVNV Funding LLC to report absolutely anything on my private credit report. They are now in violation of the Fair Credit Reporting Act ( FCRA ), VIOLATION OF STATE AND FEDERAL LAW, 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, No Given Consent, 15 U.S. Code 1681s-2 Responsibilities of Furnishers of Information I am the original creditor that funded this private account with Both XXXX  XXXX XXXX XXXX and XXXX XXXX. LVNV Funding LLC business has confessed to purchasing consumer charged off debts from original creditors and subsequently illegally attempt, harass and solicit payment, absent any agreement or consent to contact the consumer proving a severe violation of XXXX XXXX XXXX. There is no customer relationship in this situation, I am not a customer of this company nor did this company sell my consumer anything, nor have I received any XXXX forms from Both XXXX XXXX XXXX. and XXXX XXXX showing that this debt was cancelled. I am aware that your company buys debt. XXXX is an asset and it belongs to the original creditor. I am the original creditor. Return to me immediately this debt as it is against the XXXX to sell or buy any account that belongs to the holder in due course. I will be following up with acquiring this debt asset. Absolutely NO CONSENT was given to share my non-personal information to any affiliated parties. LVNV Funding LLC XXXX Inc. has treated my consumer as an employee by using the SSN without proper verification required by submitting the XXXX XXXX form. I do not have an employer employee relationship agreement with this corporation. I do not consent to contract with your company LVNV Funding LLC. EIN Number : XXXX as this entire matter was only between two parties XXXX XXXX XXXX and Both XXXX XXXX XXXX. and XXXX XXXX. I will be enforcing legal punishment for violations of Trust Fraud against Both XXXX XXXX XXXX. and XXXX XXXX as a very heinous and severe violation of Anti-Trust Laws has occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I used an ATM machine inside the XXXX store located at XXXX XXXX XXXX, at approximately XXXX AM. I attempted to make a withdrawal from my PenFed checking account with my PenFed Visa debit card linked to my checking account, but during the transaction, the system went down, and no cash was dispensed and no receipted was printed out. 

I notified the cashier at XXXX who advised me to take a picture of the machine and contact my bank and XXXX. She told me that I was not the first person to have this issue with the ATM. 

I called PenFed, who stated that they showed no withdrawal from my account. 

I called XXXX and they told me that the bank must contact them. 

Later that day, I saw that {$400.00} was withdrawn from my account, and I called PenFed back, who advised me that the withdrawal occurred around XXXX PM, and to wait a few days for the process where the funds would be refunded. 

On XX/XX/XXXX, I saw that the {$400.00} was refunded back to my account. 

On XX/XX/XXXX, the {$400.00} was again removed from my account. I called PenFed, who said that they would escalate the problem. 

Since then, I have been back and forth numerous times with both XXXX and PenFed, and have filed a police report on XX/XX/XXXX, as well as obtained a statement from XXXX. 

XXXX keeps opening up different case numbers and closing them, and telling me that I need to deal with XXXX. 

I have contacted XXXX multiple times, and they keep saying that I must contact PenFed and that PenFed needs to send them the police report and other documentation. 

PenFed will not send any documentation to XXXX and is now saying that my dispute is past the XXXX period to report it, even though I reported it to them the day it happened. 

Last week, XXXX told me that I now have to contact XXXX, located at XXXX XXXX XXXX XXXX # XXXX, Fresco, TX XXXX, but XXXX said that they do not have a phone number or email for XXXX. 

Both the bank and the company responsible for the ATM are refusing to do anything about this.

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 2025-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CarMax, Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I am formally disputing the inaccurate and damaging information being reported on my credit file.

This dispute is submitted directly by me, the consumer. No third party is involved. I will not accept a form letter or stall response. 
Item ( s ) in Dispute : 1. XXXX Account Number : XXXX Attached you will find supporting document from XXXX XXXX XXXX XXXX showing that this reporting is false/inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Date : XX/XX/year> Debt Collectors Name NATIONAL CREDIT ADJUST RE : Request for Debt Validation To Whom It May Concern, I am writing in response to a call I received on 08/01/2025 regarding an alleged debt. I am requesting that you provide validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the alleged debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A copy of the original contract or agreement bearing my signature, if applicable ; 4. Detailed account history, including the date and amount of all charges and payments ; 5. Proof that your agency is legally authorized to collect debts in my state.

Until you provide the information requested above, please cease all collection activities, including reporting this account to credit reporting agencies. 
This letter is not an acknowledgment or acceptance of the debt and should not be construed as such. I am merely requesting validation of the alleged debt. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: IN

Complaint narrative:
I am writing to formally dispute and request the permanent deletion of all fraudulent and unauthorized credit inquiries and accounts that appear on my TransUnion and Experian credit report. CONTRACT CALLERS INC # XXXX I did not authorize, apply for, or consent to these accounts or inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), Sections 605B and 609 ( e ), I am asserting my right to have any and all information related to identity theft blocked and permanently removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Around the beginning of XXXX  I was having trouble accessing my Citibank account, I remember that I had two direct deposits from my job within those next two months and no matter how hard I tried. I could not get into my account even when I know I was putting in the correct log in info, even if I wasn't I deleted to change/reset my username and password by clicking " forgot username or password '' but it was not working. It would not let me log in for some reason, I called customer service multiple times like 5 times a day for those two months, Everytime I got someone on the line... they would ask me to verify my information but said my email was changed to something I don't recognize and the address was changed where I did not recognize. I tried to explain that I am the actually person who own the account and someone just have changed my info and stealing my funds. I worry they suspected that I'm the one who is committing the fraud but I assure you I am the actual owner. So it was very frustrating Everytime I tried to talk to somebody they would not listen or direct me to the fraud department to get it sorted. Also they would always just hang up on me even when I would be nice and respectful as much as I possibly could. I asked to be directed to the fraud department and get any info I could but I'm out of options. It has been a long time years but I gave up hope but I realized they owe me my money, my direct deposit which I believe should have nearly {$2000.00} in that checking account and it be nice to get back what I owe. Please

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Dear CFPB Team, I am writing to urgently report several unauthorized hard inquiries that appear on my TransUnion credit report. I did not apply for credit or authorize the following companies to access my credit information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want to make it clear that I never granted permission for these companies to pull my credit, and I have no relationship or open applications with any of them. These inquiries are not recognized or authorized by me and are negatively affecting my credit score. 

Despite my efforts to resolve this matter, these inquiries remain on my report. Therefore, I respectfully request that the CFPB investigate this issue as soon as possible and assist in having TransUnion delete these unauthorized inquiries immediately. 

I appreciate your urgent attention to this matter and am willing to provide any additional details necessary to help verify my identity and support the investigation. 

Sincerely, 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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: STATE BANKSHARES, INC.
State: MN

Complaint narrative:
Bell Bank loaned money to my XXXX XXXX who was not supposed to be able to get a loan until he paid off nine judgments in family court. The underwriter of Bell Bank overlooked these nine judgments and gave my XXXX a loan for over XXXX XXXX dollars for his new home.

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 2025-10-06 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: TX

Complaint narrative:
I placed order # XXXX on XXXX ( XXXX  ) on XX/XX/year> for {$32.00} and paid via PayPal. I never received the item. XXXX tracking XXXX shows the package was Unclaimed/Being Returned to Sender and Return to Sender Processed on XXXX XXXX, XXXX, so the goods were not delivered to me. 

Through the XXXX message center, the seller confirmed the order was canceled and that the platform would issue the refund. However, XXXX support first demanded an unusual post-office certificate with seal and parcel number within XXXX hours, and then closed my request stating my evidence was invalid, even though XXXX tracking proves the item was returned. 

As a result, I paid for a product I never received, the seller says the platform is responsible for the refund, and XXXX has refused to process it. I am seeking CFPB assistance because the platforms dispute handling is unfair and ignores official XXXX tracking that shows a return to sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-10-06 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:
Complaint filed by XXXX XXXX XXXX XXXX XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX Services, XXXX XXXX, and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 


Fraudulent Accounts and Inquiries ( Previously Disputed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Sunbit, Inc.
State: TX

Complaint narrative:
Dear Sunbit Support Team, I am extremely frustrated with the constant runaround I keep getting regarding my applications. First, I was told my applications were denied due to identity verification issues. I went through the process of resubmitting all of my verification documents to your verification department as instructed. Then, when I applied again, my application was instantly denied once more. My phone number and address are both current and updated on my credit report, so theres no reason for any mismatch. To make things even more confusing, I received an email today stating that my latest denial was due to a suspected fraudulent application. That makes absolutely no sense I currently have an active Sunbit loan that Ive been paying on time and in good standing. All applications submitted have been made by me personally, so there is absolutely no fraud involved. Whats even more frustrating is that the denial email tells me to contact customer service, but every time I call, all they do is escalate the issue, which just circles right back to another email response with no real resolution. This back-and-forth is beyond frustrating and feels like XXXX being ignored instead of helped. Ive been a loyal, paying customer and should not have to deal with this kind of repeated inconvenience. Please have someone review my case properly and clarify why my legitimate applications keep being denied. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
When I got out of XXXX  i was trying to get a car and I found this collection account on credit report and I did not take out this card because I was in XXXX at the time. I have sent them proof in XX/XX/year> that I was in XXXX and this came off my credit for a few months and then it just came back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I am filing this complaint because Transworld Systems Inc is reporting a collection account to my Experian and Equifax credit report for a XXXX XXXX bill that I never authorized or opened. 

The account ( ending in XXXX ) was allegedly opened on XX/XX/year>, with a balance of {$570.00}. I have never had any account or services with XXXX XXXX and did not authorize this debt. This account was opened and reported without my consent or knowledge and is therefore fraudulent. 


I contacted XXXX XXXX, and they confirmed there was no valid account under my name or Social Security number. Transworld Systems has failed to provide any documentation showing I opened this account or received any services. 

Under the Fair Credit Reporting Act ( FCRA 605B ), they are required to block and delete fraudulent information within 4 business days of being notified. Under the Fair Debt Collection Practices Act ( FDCPA 805 ( c ) ), they must also cease all communication and collection activity once notified of fraud. 

I am requesting that Transworld Systems immediately delete this fraudulent collection account from all credit reporting agencies ( Experian and Equifax ), and provide written confirmation that all collection and reporting activity has been permanently stopped. 

I have attached a copy of a Police report, FTC report, my Id, and Cease and Desist ( Please see all attachments )

Company response to consumer: Closed with explanation