vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX ACCT # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX ( XXXX ) XXXX XX/XX/year> LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX, SC XXXX Re : Cease and Desist Notice Pursuant to 15 U.S. Code 1692c To Whom It May Concern : I am writing to formally demand that you cease all communication with me regarding the alleged debt referenced in your recent correspondence.

Pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the collector must cease all further contact with the consumer except to : Advise that further efforts to collect the debt are being terminated ; Notify the consumer that the debt collector may invoke specified remedies which are ordinarily invoked by such debt collector ; or Notify the consumer that the debt collector intends to invoke a specified remedy. 

Be advised that any further communication from your agency, outside the exceptions listed above, will constitute a violation of federal law and will be documented for potential legal action. I am aware of my rights under the FDCPA and will not hesitate to report any continued contact to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and, if necessary, pursue legal remedies under 15 U.S. Code 1692k, which provides for actual damages, statutory damages, and attorneys fees. 

This notice serves as a formal request to immediately cease all communications with me, including but not limited to : phone calls, letters, emails, or any form of electronic communication. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Equifax Information Services LLC, XXXX. XXXX XXXX, XXXX, GA XXXX Last XXXX of XXXX : XXXX To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listedcorrectly. My address should read : XXXX XXXX XXXX XXXX XXXX, KS XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Social security card, utility bill, Etc ) for your verification. 
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 non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Equifax Information Services LLC, XXXX. XXXX XXXX, XXXX, GA XXXX Last XXXX of XXXX : XXXX To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listedcorrectly. My address should read : XXXX XXXX XXXX XXXX XXXX, KS XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Social security card, utility bill, Etc ) for your verification. 
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 2025-08-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I just recently looked at my credit report on XX/XX/year>, I saw some hard inquiries that did not have permissible purpose. ( 1 ) XXXX  ON XX/XX/year>, THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B ( 2 ) XXXX XXXX XXXX  ON XX/XX/year> .this inquiry has no permissible purpose to be on my report Delete this inquiry due to violation of 15 USC 1681B ( 3 ) XXXX XXXX on XX/XX/year> THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B ( 4 ) XXXX XXXX ON XX/XX/year>. THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 168. ( 5 ) XXXX ON XX/XX/year> THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B ( 6 ) THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B ( 7 ) XXXX XXXX  ON XXXX. THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 16181B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just recently looked at my credit report on XX/XX/year>, I saw some hard inquiries that did not have permissible purpose. ( 1 ) XXXX  ON XX/XX/year>, THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B ( 2 ) XXXX XXXX XXXX  ON XX/XX/year> .this inquiry has no permissible purpose to be on my report Delete this inquiry due to violation of 15 USC 1681B ( 3 ) XXXX XXXX on XX/XX/year> THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B ( 4 ) XXXX XXXX ON XX/XX/year>. THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 168. ( 5 ) XXXX ON XX/XX/year> THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B ( 6 ) THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B ( 7 ) XXXX XXXX  ON XXXX. THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 16181B

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 2025-08-11 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$5100.00}

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 2025-08-10 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:
I recently reviewed a copy of my credit report and noticed that i had fraudulent accounts on my credit report. Please remove these accounts from my report, it is hurting my ability to obtain credit..

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 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was scammed by XXXX account member XXXXXXXX XXXX is prevalent with scammers and does nothing to protect peoples personal info thus allowing all sorts of scams. From human trafficking to bank fraud. This guy is committing many federal crimes and I would love to see this guy, his family, and colleges wake up in federal prison for their horrific crimes. On behalf of many people being scammed by him, I would ask that you please put him and everyone with him in Federal Prison! I pray to God for this and for those responsible to look after people on the internet and our society to please lock this guy and everyone he knows away! Make a great example out of this low life person and his evil and the evil of his family and the evil of his associates. You would be doing the world allot of good. I know you have many out there, but if you cut off the snake at the head you will kill the entire serpent of the 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 monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XX/XX/2025 Credit Acceptance Corporation [ XXXX ] XXXX XXXX XXXX, XXXX, MI XXXX Re : Cease and Desist Notice Under 15 U.S.C. 1692c Dear Credit Acceptance Corporation, I am writing to formally request that you immediately cease and desist from all communications with me in regard to the alleged debt referenced under your file number [ insert reference number here ].

Under 15 U.S.C. 1692c, also known as the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request that a debt collector stop all forms of communication with me regarding the debt. Specifically, this statute prohibits debt collectors from contacting a consumer at any time after receiving a request to cease communication, except under certain limited circumstances such as providing formal legal notices of action taken. 
Therefore, I am exercising my right under this provision and demand that you : Cease all further communication with me about this debt, including but not limited to phone calls, letters, emails, and any other form of communication. 


If you continue to communicate with me, be advised that I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office, and I may pursue legal action. 


Please note that any future communication on your part will be considered a violation of the FDCPA, and I will take appropriate action as necessary to protect my rights. 
Thank you for your immediate attention to this matter. I expect your confirmation that my request has been processed and that all communications with me have ceased. 
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 2025-08-10 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: MA

Complaint narrative:
This complaint concerns the continued reporting of charge-offs and late payment entries that are inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( XX/XX/XXXX) and the Fair Credit Billing Act ( XXXX U.S.C. XXXX ( b ) ). 

I have requested proof of the alleged late payments, complete payment histories, and lawful calculation of the charge-off balance. The furnishers have failed to provide this documentation or conduct a reasonable reinvestigation. 

I am requesting that the CFPB direct the credit bureaus and furnishers to delete all unverifiable charge-offs and late payments, correct my reports across all CRAs, and ensure compliance with the cited laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Sezzle Inc.
State: GA

Complaint narrative:
I use Sezzle as a payment plan to order items from XXXX XXXX, a consignment company. I ordered 13 items, 9 of which were returned. Sezzle acknowledged proof of the receipt of the refund monies from XXXX XXXX, but is still stating that I owe them, when they actually owe me. Photo 2 shows the original order amount of {$720.00} and proof that 3 of 4 payments from me were made to them totaling {$540.00}. Photo 1 shows they received the credit of {$370.00} and they claimed they credited it to this order. So, when you take the original amount of {$720.00} and subtract the refund of {$370.00}, you get {$350.00}, which would be the total I should owe Sezzle.. I have already paid them {$540.00}, so I am owed back the difference between the Payments made to them of {$540.00} and the final total after returns of {$350.00}, which is {$190.00}. Not only are they ignoring my requests, they are still saying I owe more. You can not speak to a rep there so I have them several internal messages on their site and they have ignored them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
XXXX at XXXX XXXX I contacted XXXX XXXX XXXX Call center Picked Up from XXXX, Ohio at XXXX The employee 's name is XXXX. I stated " I would like to request a copy of my delinquency XXXX XXXX account as stated in the letter from Synchrony Bank mailed and dated XXXX. The male employee XXXX then stated, " that he can not present me any information related to my XXXX XXXX credit card being delinquent ''. Simply because my account was not Delinquent as the letter stated XXXX. 
Evidence : of XX/XX/XXXXdiscussing the case evidence submitted within this Federal arbitration case in the month of XXXX, XXXX and XX/XX/year>, with XXXX  for retaliation then XX/XX/XXXXcontacted Synchrony out of Retaliation, XXXX bank retaliation is they lowered my credit card from {$1500.00} to {$1000.00} XXXX contacted Synchrony Bank XXXX I asked Synchrony Bank why did they lowered my credit card limit after it was recently increased now out the blue? I informed her right then and there that this was done simply out of retaliation from XXXX  credit Bureau and this is a federal arbitration case occurring. I know that XXXX  contacted Synchrony bank Soley out of retaliation for 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 monetary relief
Consumer complaint received 2025-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One & XXXX has account reported incorrect information on my credit report a NaN payment which is an error that reported inaccurate payment information because it is a error in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
As previously stated, the company informed me that they would be sending me my gap refund in 7-10 days in XXXX. I tradedthe Vehicle in XXXX and have yet to receive the GAP REFUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
This letter serves as a formal Cease and Desist under 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ), which restricts communication from debt collectors without my consent. I am exercising my legal right to request that you immediately cease reporting and remove any and all collections and charge-off accounts appearing on my consumer credit file that are inaccurate, unverifiable, or otherwise in violation of federal law.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, you are required to ensure that all information you report is accurate and verifiable. If you can not provide documented proof from the original creditor validating the accuracy, legitimacy, and legal standing of these debts, you must remove them immediately.

The accounts in question are : XXXX XXXX XXXX XXXX No account number given ( violation ) Date opened XX/XX/year>XXXX  Failure to comply with this request within 30 days will be considered a willful violation of the FDCPA and FCRA, and I will pursue legal remedies including complaints to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and civil litigation for statutory damages, as this is a form of collection. 

This is your notice to remove these accounts from my credit report immediately. Continued reporting of unverified or invalid debts constitutes defamation of character, negligent misrepresentation, and violation of my consumer rights.

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 2025-08-11 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:
This letter serves as a formal Cease and Desist under 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ), which restricts communication from debt collectors without my consent. I am exercising my legal right to request that you immediately cease reporting and remove any and all collections and charge-off accounts appearing on my consumer credit file that are inaccurate, unverifiable, or otherwise in violation of federal law.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, you are required to ensure that all information you report is accurate and verifiable. If you can not provide documented proof from the original creditor validating the accuracy, legitimacy, and legal standing of these debts, you must remove them immediately.

The accounts in question are : XXXX XXXX XXXX XXXX No account number given ( violation ) Date opened XX/XX/year>XXXX  Failure to comply with this request within 30 days will be considered a willful violation of the FDCPA and FCRA, and I will pursue legal remedies including complaints to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and civil litigation for statutory damages, as this is a form of collection. 

This is your notice to remove these accounts from my credit report immediately. Continued reporting of unverified or invalid debts constitutes defamation of character, negligent misrepresentation, and violation of my consumer rights.

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 2025-08-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
I'm a victim of fraud and serious account mishandling by XXXX XXXX in XX/XX/year> was stolen from my account ending while my card number and following days occurred XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX they they took more money I did not authorize any of this I submitted all the paperwork to XXXX XXXX XXXX dispute but I never heard anything back they sent nine cards out to people in La was I only ended up getting one card out of online and they just kept taking more money from my account they locked it down four times XXXX XXXX  did somebody opened it up every single time I need help getting my money back and Social Security did help me close that account and open another one through them here in XXXX California where I live the people are in La that were taking my money

Company response to consumer: Closed with monetary relief