vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: AL

Complaint narrative:
To Whom It May Concern : I am writing under the authority of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 1681e ( b ) ( Sections 604 and 607 ), to demand that all outdated, inaccurate, or unnecessary personal identifiers ( specifically all prior addresses ) be removed from my file.

The FCRA requires that consumer reporting agencies maintain only accurate and relevant information. Outdated addresses and phone numbers are no longer valid, serve no permissible purpose under 604, and increase my risk of fraud and identity theft. These entries are obsolete and must be removed to ensure full compliance with 607, which requires agencies to follow reasonable procedures to assure maximum possible accuracy. 

My only accurate and current contact information is as follows : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX I am enclosing copies of my government-issued ID and proof of my current address for verification. You are hereby instructed to investigate and confirm deletion of all prior addresses and phone numbers from my file across all nationwide consumer reporting agencies. Please provide written confirmation of these deletions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
determine that the merchant fulfilled their obligations for the goods/services associated with this transaction. 

determine that the merchant fulfilled their obligations for the goods/services associated with this transaction. I called them and told them that they couldn't have fulfilled anything because I got nothing. Also how is it not valid when stayforless is refunding the money supposedly. That makes no sense. 

I have sent numerous emails and all answered by robo cut and paste responses. I will send copies of them. Also copy of denial and copy of them saying will refund. I will be Ending every single talk I had with both companies. Cashapp is not servicing their customers at all. They are using XXXX or robo calls to answer everything as you will see in my emails. I gave them every opportunity to fix problem and both have decided to not care about my money at all. They took my money immediately y but won't refund money immediately. That is wrong. XXXX internet messed up the date and they tried to use that to keep my money. They also are holding my money hostage. They do not care about the consumer at all. They found a way to steal my money and howany others have had this happen bit didn't know how to fight. 

Next cashapp. They do not care for their customers and actually like a lot of companies deny deny deny. They do not even look at emails or even apparently look at disputes as the reason for denial is proof they didn't even look. That chose to side with another business over their customer. They paid hem my money right away but foe me it's you'll get it when they send it. Unacceptable Lastly cashapp was called today and I told them I would be filing complaints with ftc and cfpb if they do not come to their senses and do the right thing. They have not so this is my complaint. Please XXXX XXXX XXXX for anything else. This is disgusting. They need to be held accountable for these kinds of practices. I've read many other stories of same happening regarding both companies. 

I am in the process of finding out just how many people have been affected by both and I will be seeking a class action lawsuits on both after I hear from you. Thanks for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$5.00} Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$720.00} Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXXXXXX XXXX  Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing this complaint against LVNV Funding for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

LVNV Funding is reporting an account on my credit file that I do not owe. I have never entered into any contract or agreement with LVNV Funding. On [ insert date ], I sent a written request for validation of this alleged debt, as is my right under the FDCPA. LVNV Funding has failed to provide any proof of a contractual relationship, signed agreement, or documentation to validate this debt.

Despite not providing the required validation, LVNV Funding continues to report this account to the credit reporting agencies, which is inaccurate and unlawful. This false reporting has caused damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: MO

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Subject : Formal Complaint Unlawful Reporting of Co-Signed Auto Loan Debt I am filing this complaint against XXXX XXXX XXXX and the credit reporting agencies ( Experian, Equifax, TransUnion ) for willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ). 

Facts of the Case 1. I was listed as a co-signer on an auto loan for XXXX XXXX, account # XXXX. 
XXXX. The original creditor has continued to report derogatory information against me, despite failing to provide verifiable documentation with my wet-ink signature authorizing this debt obligation. 
XXXX. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demanded an investigation. No proper investigation has been conducted within the 30-day requirement.

4. Reporting unverifiable or inaccurate debt constitutes a furnisher violation under 15 U.S.C. 1681s-2 ( b ).

Violations Failure to verify debt : The creditor has not produced a legally binding contract with my original signature, violating 15 U.S.C. 1681i.

Continued reporting of inaccurate information : This is a willful violation of the FCRA and creates liability under 15 U.S.C. 1681n.

Emotional and financial harm : This unlawful reporting has damaged my creditworthiness, denied me access to fair credit opportunities, and exposed me to collection harassment.

Relief Demanded I demand the immediate deletion of this inaccurate and unverified co-signed auto loan from all consumer reporting agencies. Failure to comply will result in : A lawsuit in federal court for statutory damages of up to {$1000.00} per violation under FCRA 616 and FDCPA 813. 
Claims for actual damages, punitive damages, and attorneys fees. 
Additional complaints to the State Attorney General and the Federal Trade Commission ( FTC ). 



I request the CFPB enforce my rights by compelling the deletion of this unlawful account reporting immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year>, my debit card was charged {$2400.00} without my full authorization by individuals posing as a grieving family who claimed to have lost a XXXX to XXXX XXXX. They identified themselves as the XXXX XXXX XXXX, which I have since learned is a scam. Their story is part of a known fraud scheme, as reported here : XXXX XXXX XXXXXXXX. 

I filed a police report ( reference number XXXX ) on XX/XX/XXXX at XXXX XXXX and reported the fraud to Bank of America the same day. I am requesting a full refund for the {$2400.00} charge made under false pretenses. This transaction was deceptive in nature, and I believe it falls under consumer protections for unauthorized or fraudulent electronic fund transfers.

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 2025-08-17 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: GA

Complaint narrative:
The investigation did not fix the inaccuracies on my credit report

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 2025-08-17 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: GA

Complaint narrative:
The investigation did not fix the inaccuracies on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I previously filed Complaint No. XXXX regarding a debt being reported in collections to the credit bureaus by Portfolio Recovery Associates ( PRA ). This alleged debt has been reported since XX/XX/XXXX, with XXXX XXXX, XXXX. listed as the original creditor. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector is required to provide written notice of the debt and of the consumers right to dispute within five ( 5 ) days of its initial communication. I subscribe to USPS Informed Delivery and have no record of receiving any correspondence from PRA containing the required notice.In its response, PRA stated that it purchased a XXXX XXXX XXXX XXXX  account ending in XXXX on or about XX/XX/XXXX, together with the right to collect on the account. PRA further asserted that XXXX XXXX  business records listed my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and that the validation notice was mailed to this address. PRA also provided a copy of that notice in response to my previous complaint. However, this is not my address and was never associated with any XXXX XXXX, XXXX. XXXX account ending in XXXX in my name. PRAs reliance on an incorrect address demonstrates that I was not properly provided the required notice under 15 U.S.C. 1692g ( a ). Furthermore, PRAs continued reporting of this alleged debt to consumer reporting agencies without providing proper validation violates its obligations under both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I have received a notice of acceleration on XX/XX/year> in the mail date XX/XX/year> for my auto loan. I feel this a retaliation from the company because I been verbal about their deceiving tactics on trying to make themselves look like the heroes during the flood disaster that happened in my area. I had filed two previous complaints and its a big coincidence that right after these complaints I received this notice with no prior communication of this or warning. I had spoken to an agent over the phone on XX/XX/year> and they advised that I could make one of the payments on XX/XX/year> and after making that payment to call and see for other options to catch up on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
On or around 4 weeks ago my Cash App account was suspended without clear explanation, and a {$100.00} transfer to my bank failed. 

Since then, I have repeatedly contacted Cash App support through the app. They continue to send me the same template response : that my complaint has been documented but that no further action will be taken without new information. I have asked what specific information or documentation they require to restore my account or release my funds, but no clear guidance has been provided. 

It has now been over 4 weeks with no resolution, no path forward, and no access to the {$100.00} transfer. I believe Cash App is failing to provide a fair review of my case and is withholding my funds without justification. 

Actions taken : Contacted Cash App multiple times through advocate chat. 
Asked what documentation they need to verify and restore my account. 
Requested escalation to a higher-level support team. No resolution provided. Amount involved : {$100.00} Desired resolution : 1. Restore access to my account OR provide a clear, documented explanation for suspension.

2. Release or return the failed {$100.00} transfer.

3. Provide a real escalation path beyond automated template responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Company : Capital One, XXXX 
Account Type : Checking Account ending in XXXX | Capital One CID : XXXX To whom it may concern, This complaint details a severe issue with Capital One that began on XX/XX/XXXX. The bank 's actions have resulted in the loss of my funds, significant financial and emotional distress, and severe damage to my credit history. 

Chronology of Events : XX/XX/XXXX : I received a legitimate XXXX transfer of {$5000.00} from " XXXX XXXX XXXX, XXXX '' for the sale of a generator, for which I have an invoice. Capital One immediately restricted my account without notice or explanation. 

XXXX - XX/XX/XXXX : For months, I was unable to access my funds. My attempts to pay my Capital One credit card from my checking account were blocked, leading to late fees and interest charges. In multiple recorded calls with customer service, I was only told to provide an updated U.S. ID, with no opportunity to submit proof of the funds ' origin. 

XX/XX/XXXX : To comply with the bank 's demand, I was forced to take out a personal loan to travel to the United States to renew my passport and Florida ID. 

XX/XX/XXXX : After obtaining my new documents, I contacted the bank, ready to comply. A supervisor informed me that despite my efforts, the decision was to permanently close my account. 

Post-Closure Damage : My credit profile was severely damaged, as confirmed by XXXX Bank. I was given contradictory information about my {$5000.00} : first, that it would be returned to the sender ( it wasn't ), and second, that a check would be mailed to my U.S. address ( it never arrived ).

Escalation to the Office of the President : I sent a formal complaint to Capital One 's executive office. On XX/XX/XXXX, I received a response from " XXXX '' ( Case ID : XXXX ), who stated she would research my concerns. 

Failure to Communicate : On XX/XX/XXXX, I proactively sent supporting evidence. On XX/XX/XXXX, after receiving no updates, I sent a follow-up email to clarify my previous communications and ask for confirmation of receipt of the documents. 

Current Status : It has been weeks since my case was assigned to the Office of the President, and I have received no substantive response or update, despite my follow-up attempts. The bank has ceased all communication. They are still holding my {$5000.00}, my credit remains damaged, and I have been left with no resolution. 

Desired Resolution : I request the CFPB 's intervention to compel Capital One to : Immediately return my {$5000.00}. 

Refund all late fees and interest charges applied to my credit card since XX/XX/XXXX. 

Issue a formal correction to all three credit bureaus ( XXXX, XXXX, XXXX  ) to remove all negative reporting related to this issue. 

Provide fair and significant compensation for the severe financial damages and emotional distress caused by over a year of negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
For XXXX years this AFFIRM ACCOUNT HAS BEEN REPORTING NEGATIVELY MONTHLY AND ALTHOUGH IVE DISPUTED XXXX  XXXX DOES NOT REMOVE AND CONTINUES TO REPORT NEGATIVE EACH MONTH. As of XX/XX/year> a representative XXXX at AFFIRM LOOKED into this matter and after verifying my information she was unable to even locate the file that XXXX  has reported saying it does not exist. She then instructed me to email affirm she respond with her findings for proof and to immediately contact XXXX  AND INFORM THEM OF THE NEW INFORMATION! They have for years now been in violation of my rights harming my chances for financial opportunities who knows how many times as a result of this false inaccurate information all the other bureaus investigated and removed immediately. I explained my identity was compromised numerous times and uploaded support documents and yet and still neither AFFIRM NOR XXXX  REMOVED THE ACCOUNT INFORMATION FROM MY REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: PA

Complaint narrative:
The following accounts do not belong to me as this is a continuation of my identity theft claim due to space limitations on the ftc report : XXXX XXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX. Several fraudulent accounts have been removed from my credit file, Block and remove permanently these accounts from my credit profile pursuant to 15 USC 1681c-2 ( FCRA Section 605B )

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
I have been trying to dispute several inaccurate and unverified items on my LexisNexis consumer file for several months. 

I sent a dispute letter via Certified Mail to LexisNexis 's official XXXX XXXX address ( XXXX XXXX XXXX XXXX, GA XXXX ). The letter requested verification of multiple disputed records, including a small claims judgment and several auto claims. 

That letter was returned to me as undeliverable, despite using the correct address. I have the returned envelope as proof. 

I re-sent the dispute letter again and this letter was also returned to me. 

While LexisNexis does provide phone assistance, this is not a suitable or legally sufficient method for my specific disputes. The FCRA requires consumers to have a reliable way to communicate disputes in writing, and the paper trail provided is essential for protecting my rights. Given that my mail is being returned, LexisNexis is effectively preventing me from exercising my right to a proper reinvestigation. This is a serious failure in their system for handling consumer disputes.

I am requesting that the CFPB compel LexisNexis to take the following actions : Acknowledge and properly process my dispute.

Conduct a full and proper reinvestigation as required by the FCRA.

Provide me with a detailed breakdown of their verification procedure and copies of the documentation used to verify the disputed items, including the auto claims. 

Remove all records that can not be properly verified with the source and that violate the " maximum possible accuracy '' standard of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: IL

Complaint narrative:
On XX/XX/year>, I mailed written requests with all required documentation to have outdated addresses removed from my credit report. Despite allowing sufficient time, these obsolete addresses are still being reported. This violates the FCRA and Metro 2 compliance standards and is causing harm to my credit profile and overall creditworthiness.

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