vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Subject : Formal Dispute of LVNV Funding Account XXXX Demand for Immediate Investigation and Removal I am writing to formally dispute the accuracy and legitimacy of the collection account reported by XXXX XXXX XXXX Account # XXXX .This account is erroneous, unverifiable, and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and recent regulatory actions. 
Basis for Dispute 1. Data Integrity Compromised XXXX  Breach In light of the recent XXXX  data breach disclosed in XXXX, I have reason to believe that my personal information may have been compromised and misused. Any data furnished by LVNV Funding must be revalidated under heightened scrutiny. XXXX  has a legal obligation under 1681e ( b ) of the FCRA to ensure maximum possible accuracy, especially following a breach. 
2. LVNV Funding Under CFPB Scrutiny- The Consumer Financial Protection Bureau ( CFPB ) has previously filed enforcement actions against LVNV Funding for deceptive and unlawful collection practices, including failure to verify debts and misrepresenting ownership. This account may be part of a portfolio affected by those violations. Continuing to report this account without proper validation constitutes willful noncompliance. 
XXXX. No Contractual Privity or Chain of Title I demand documented proof of the chain of assignment from the original creditor ( XXXX XXXX XXXX ) to XXXX/LVNV. Without a valid contract or assignment, LVNV has no standing to collect or report this debt. See XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), which affirms the necessity of a valid assignment. 
4. Pre-Arbitration Notice This letter serves as a formal pre-arbitration notice. If this account is not removed within 15 days, I will initiate arbitration proceedings under the terms of your consumer agreement and applicable laws. I reserve the right to seek damages for negligent reporting, emotional distress, and statutory violations. 
Demand for Action I demand the following : Immediate deletion of the XXXXLVNV account from my credit report. Full reinvestigation of the account under 15 U.S.C. 1681i. Written confirmation of the results of your investigation. Disclosure of all documents used to verify the account, including contracts, payment history, and assignment records. Failure to comply will result in arbitration and/or legal action. 
Sincerely, XXXX XXXX XXXX XXXX. Attorney General CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
On Thursday, XX/XX/XXXX, I checked my credit report and noticed that I had lost XXXX points due to an XXXX XXXX XXXX XXXX debt under my name for the amount of {$1800.00} that went to collections. I was never contacted about this debt neither by XXXX XXXX XXXX  nor Sunrise Credit Service ( the collection agency ). I called XXXX XXXX XXXX to let them know that I'd never opened an account or bought a product from them since I have XXXX, but all they did was refer me to their website to fill out an identity theft report. I was able to contact Sunrise Credit Service and was told by a customer service representative that the account with XXXX XXXX XXXX was opened on XX/XX/year>, using my name, a former address in the state of PA, and my current and an older phone number. Also, a XXXX having my name on it was used. I happen to live in the state of SC, and the address used belongs to a house I lived in from XXXX  The account entered collections XX/XX/XXXX of this year, which makes little sense since the purchase occurred about 20 days before. I don't know what they bought, but it's truly concerning and shocking someone was able to do this since I never received any alerts on my phone, etc. The collection agency decided to put a hold on the debt, and it's working on sending a package for me to fill out and report it to authorities. Thanks!

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 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/year>XXXX  Credit Card XXXX deposit offer incentive promotion seperate entity. 
XX/XX/year>XXXX  early morning XXXX contract taken to Mangement for cancellation. He pulled his contract and I gave mine and we left. 
XX/XX/year> Later in the day we viewed a 2 bedroom Hotel. 
XX/XX/year>XXXX  Credit card {$4100.00} for upgrade from a one bedroom to a two bedroom. 
XX/XX/XXXX, signed the contract. 
XX/XX/XXXX return home. 
View each statement the XXXX was never refunded. 
XX/XX/year>XXXX  reviewing our contracted dated XX/XX/year>. Manager without our permission transfer the incentive promotion to our new contract on XX/XX/year>XXXX  and used the date XX/XX/year>. 
XX/XX/year> contacted our Sales Rep. incorrect email address forward to Manager. 
XX/XX/year> emails back and forth regarding refund. Stop XXXXXXXX XXXX XXXX Manager emails were, I explained everything to you a few times/ Chase recieved all emails, receipts, contracts showing Manager changed dates. 
Denied by phone. Never received statement by mail reason for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
My car has been repossessedXX/XX/XXXX and I had to pay to get it back, myXX/XX/XXXXvehicle is up for reposession. 
I have an old collection from 2019 from an apartment. 
Im wanting to get a place to stay

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 2025-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: NV

Complaint narrative:
On XXXX XXXX I rented a vehicle from CARMAX AUTO when doing so they gave me a check for {$3500.00} USD. For my registration! I never was able to use the check because it was missed placed so I called for a replacement and it never came I called weekly sometimes monthly they never reissued me a check for my registration I still have the check I will send proof but in result of the never sending me the check for my registration and I waited over a year plus the car has got took to the tow for no registration multiple times cost me upwards to XXXX for all the time I had to get it out of tow but the ending balance is wrong and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
This started in XXXX. My account was closed for no reason while I was out of state. I received a notice that my account was closed due to violation of terms I chatted with support and they said they had no information why and would appeal it and I would information in 30 days and nothing was ever communicated with me my account was closed and I was never able to log back in .. today XX/XX/XXXX I created new account and same thing happen it said I could not create one because my XXXX was tied to violating terms.. I went to support and they again had no information as to why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

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. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$580.00}

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Upon reveiwing my account in XX/XX/year>, I found the following accounts to be innaccurate, fraudulent, & unverifiable. 

Accounts to be deleted Portfolio for {$890.00} XXXX XXXX XXXX for XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX addresses include XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Inaccurate employers include XXXX, XXXX  XXXX Under 15 U.S.C. 1681e ( b ) you are required to ensure maximum accuracy of the information you report. Under15 U.S.C. 1681i ( a ) ( 5 ) any item found to be inaccurate, incomplete, or unverifiable must be deleted or corrected immediately. Under 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ( A ) furnishers may not report data they know or have reason to believe is inaccurate.

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 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
b'Vehicle (a trailer) violated a toll road in Texas. XXXX XXXX XXXX XXXX. They never paid toll. They (Tex toll people) found that the plates were registered to a company doing business with a like name. My old company was XXXX XXXX XXXX. The company with the registered plates is XXXX XXXX. I sent them the correct information and they have totally disregarded it. I do not own these plates and am really tired of them harassing me for payment. They still ask me for payment. These plates are not even registered to me. This is the company they are looking for:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Opened new checking in mid XX/XX/year>. Took paycheck to bank lobby and deposited it on XX/XX/XXXX. Later in the day tried to pay for a purchase using debit card. It was denied. I called the branch nearest to home and was advised the funds would clear that " evening ''. So I waited until Saturday XX/XX/XXXX. Still no funds. This is when I was advised of a XXXX day hold on funds. I was never told this at time of deposit in violation of the EFAA. Had I been made aware of this, I would have cashed check elsewhere. I set up direct deposit with employer but they could not do it until the following pay period. 
Now I will be unable to pay rent and car note on time, incurring fees. Not to mention no food for XXXX days. 
I was on the phone for over an hour this morning and they would not budge.

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 2025-09-27 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: LA

Complaint narrative:
I am disputing inaccurate personal information on my credit report. The report lists incorrect addresses, names, date of birth, and phone numbers that do not belong to me. I request that the bureau investigate and update my credit report with accurate information. Enclosed are copies of documents verifying my correct information, including my ID and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I was tricked into sending money to a person for a supposed job position. I sent {$500.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX, {$20.00} on XX/XX/XXXX and {$150.00} on XX/XX/XXXX. I Payed using PayPal from my XXXX  XXXX XXXX account. The PayPal account I transferred to wasn't flagged for scam. I have also filed a police report. no- XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
I have {$430.00} in my XXXX  account right now. My account was closed in XXXX. Its very clear from the records that the money in that account was from a paycheck but, even with knowing that information, they are refusing to give me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account Information : * Jefferson Capital Systems , LLC * Original Creditor : XXXX Credit Card * Balance : {$960.00} I sent them a certified letter # XXXX on XX/XX/year> asking them to send me a Debt Validation Request and Cease & Z Desist letter. The company has failed to provide any document that constitutes legal debt validation as required by 15 U.S.C. 1692g. a simple account summary or lack of response is legally insufficient. The company failed to provide the following essential documentation : 1. A copy of the original signed credit agreement proving my contractual liability.

2. A complete, itemized payment history from the date of default.

3. The legal bill of sale that Jefferson Capital Systems , LLC legally owns the debt and has the right to collect. 
By continuing to report this account and failing to validate it, Jefferson Capital Systems , LLC is violating the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I work nightshift as a XXXX, so I'm working XXXX hours, have to drive home and often rapidly prepare for my next shift. 

Over a week ago, I somehow locked myself out of my account. 
I have tried resetting my password with my account information and XXXX 's online tool will not accept my account information. I can not reset my password on my own. 

Recently, XXXX dramatically changed their customer service hours, including for online support. Their hours are standard Monday - Friday until XXXX. 

Most days I sleep until XXXX, and by the time I wake up and begin functioning like a human being again, it's past XXXX. 

Therefore I haven't been able to log into my account for almost XXXX weeks. Luckily, my wife 's access to our account is available so I can still manage our funds, but it's pretty sad that XXXX offers no other way to manage online accounts. It would be extremely distressing if I had absolutely no way to access my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC P.O. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Cease and Desist Request Regarding Collection Accounts To Whom It May Concern, I am writing to formally request that LVNV Funding LLC cease all collection-related activity and reporting regarding the following accounts listed on my credit report : 1XXXX XXXX XXXX  Account # XXXX XXXX XXXX  - Creditor : LVNV Funding LLC - Balance : {$690.00} - Date Opened : XXXX - Status : Collection XXXX. XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Creditor : LVNV Funding LLC - Balance : {$1000.00} - Date Opened : XXXX - Status : Collection These accounts are negatively impacting my credit profile and have been reported for over two years. I am asserting my rights under the XXXX XXXX Fair Credit Reporting Act ( FCRA ) XXXX XXXX  and the XXXX XXXX  Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX  specifically : XXXX XXXX XXXX  FCRA 605 ( a ) : XXXX XXXX  Limits the reporting of negative accounts beyond seven years from the date of delinquency.

- XXXX XXXX  FDCPA 805 ( c ) : XXXX XXXX  Grants consumers the right to request that debt collectors cease communication.

I hereby request that LVNV Funding LLC : 1. XXXX XXXX  Cease all collection communications XXXX XXXX regarding these accounts.

2. XXXX XXXX Cease reporting these accounts XXXX XXXX to any consumer reporting agencies.

3. XXXX XXXX  Provide written confirmation XXXX XXXX that these accounts will no longer be pursued or reported.

Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals Office. 

Please respond in writing within 30 days of receipt of this letter. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: MN

Complaint narrative:
Crypto.com has restricted my account and is effectively holding my funds of {$33.00} hostage by providing no viable method for withdrawal. 

The issue began when I was unable to log into my mobile app. Upon each login attempt, the app would fail, and I would receive an automated email stating my account has been restricted and that I can no longer deposit funds or purchase crypto. 

I contacted customer support multiple times over several days to resolve this. The support was unhelpful, circular, and followed a script. Despite my cooperation, including providing a screen recording of the login failure, they repeatedly made accusations that I was using a " VPN '' or an " emulator, '' which I was not. 

My core issue is a XXXX, as crypto.com has restricted my account, so I am blocked from depositing funds ; my account balance is {$33.00}, Crypto.com 's minimum withdrawal amount for cash is {$100.00}, and would I choose to buy cryptocurrency to make a withdrawal, it would exceed a balance greater than the {$33.00} I own on my crypto.com cash account. 

Because I can not deposit funds to meet the minimum withdrawal threshold, my money is indefinitely trapped. I pointed this out to support multiple times, even citing their own Terms of Service ( Clause XXXX ), which states a user is entitled to recover their assets from a suspended account. Their only solution was to " buy crypto and send it to an external wallet, '' which is impossible for me due to the minimums. 

I repeatedly requested to have my case escalated, but the issue was never resolved. 
The support agents simply repeated the same unhelpful troubleshooting steps. The entire experience has been documented in two support chats ( Chat IDs : XXXX and XXXX ). The company has failed to provide a path to resolution and is wrongfully withholding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit Reporting Error Incorrect information on credit report I am filing this complaint because Equifax and TransUnion are reporting my XXXX XXXX XXXX XXXX account inaccurately, in violation of the Fair Credit Reporting Act ( FCRA ). 

This account was charged off and closed, but TransUnion is now reporting it as open. This is factually false and misleading. 
The account also shows contradictory balances, such as a {$0.00} balance and a past due balance of {$25000.00} at the same time. Both can not be true. 
I previously disputed these inaccuracies through certified mail. Instead of correcting them, the bureaus added the remark dispute resolved by grantor without addressing the factual contradictions. 
After my dispute, the reporting became worse : the account is now listed as open when it was closed. This damaged my TransUnion credit score, dropping it to XXXX, while Equifax shows XXXX. 

This is clear evidence of inaccurate and inconsistent reporting. Under the FCRA, the credit reporting agencies are required to conduct reasonable investigations and report only accurate information. That has not been done here. 

I am requesting that this account be deleted in its entirety from my credit reports with Equifax and TransUnion due to repeated negligence and worsening inaccuracies. 

I am attaching supporting documents, including : Copies of my prior dispute letters. 
Screenshots of the contradictory reporting. 
Proof of XXXX XXXX app data showing the account is closed. 

Thank you for your prompt review of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
ute the following hard inquiries as unauthorized or unverifiable and request their immediate removal : Date Creditor Name XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX/CBNA XXXX XXXX XXXX XXXX XXXX CBNA XXXXXXXX And all other inquiries not authorized by me These inquiries were not authorized by me and do not reflect any initiated credit applications. Under FCRA 1681b ( c ), a permissible purpose is required for a hard inquiry. If no such authorization can be proven, the inquiry must be deleted.

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