vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: KEYCORP
State: WA

Complaint narrative:
( historical XXXX payment sent to and received by home insurance company XXXX XXXXXXXX XXXX XXXX used KeyBank " Bill PAY XXXX to send annual home insurance premium due on XXXX, " guaranteed '' payment by XXXX. Statement shows sent on XXXX with confirm code. 

XXXX Dunning notice by insurance co-payment not received XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX not received XXXXXXXX XXXX XXXX XXXX XXXX co-payment not received XXXX KeyBank says payment sent. 
XXXXXXXX XXXX XXXX XXXXXXXX only mailed, paper checks accepted XXXX KeyBank " customer advised if paper check '' sent USPS. NO FLAG OR WARNING received of this. 
XXXX Three way telcon. KeyBAnk not explain default. Advised halt payment XXXX KeyBank " dispute '' dept states payment must be returned from ins co XXXX XXXX 
XXXX XXXXXXXX XXXX disconnect. Need money credited back to checkingXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Subject : Cease and Desist Request for Validation and Removal of Inaccurate Collection Account Account Reference : XXXX To Whom It May Concern : This letter serves as my formal demand to cease and desist from all further collection activity and communication regarding the above-referenced alleged debt, pending full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under federal law, I am entitled to request that you provide proper verification of the alleged debt, including but not limited to : The original creditors name and address ; The full account number and amount allegedly owed ; Documentation bearing my signature establishing that I am legally responsible for the debt ; and A complete itemization of the alleged balance, including interest, fees, and charges.

To date, you have not provided sufficient documentation substantiating this alleged obligation. Reporting or continuing to report this unverifiable debt to any credit reporting agency may constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the FDCPA.

Accordingly, I hereby demand that LVNV Funding LLC : 1. Immediately cease all collection efforts and communications related to this account, except for lawful notice of cessation ; 2. Delete or request deletion of any reporting of this alleged debt from all consumer credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX ; and 3. Provide written confirmation that this account has been closed, withdrawn, or deleted from all reporting systems. 

Failure to comply with this request will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies, as well as consideration of additional remedies available under state and federal law. 

Please respond in writing within 30 days of receipt of this letter. All future communications regarding this matter must be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
I am filing this complaint under the Military Lending Act ( 10 U.S.C. 987 ) and the Consumer Financial Protection Act, regarding XXXX loan and membership practices. 

I obtained a XXXX loan and/or subscribed to their membership program between XXXX and XXXX. During that time, I was charged excessive fees and/or interest that likely exceeded the 36 % APR limit under the Military Lending Act, due to mandatory membership charges tied to my loan. 

I was also misled about cancellation procedures. Even after the loan was repaid, I was charged recurring membership fees and found it very difficult to close or cancel the account. These actions were unfair, deceptive, and abusive, particularly for servicemembers and veterans. 

The Consumer Financial Protection Bureau has already filed suit against MoneyLion for these same violations ( CFPB XXXX XXXX XXXX XXXX, filed XX/XX/XXXX ), alleging that the company violated the MLA and consumer protection laws through similar practices. My experience appears consistent with those allegations.

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 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: NJ

Complaint narrative:
Doing the year of XXXX I hard hardship I was told I could do tax exempt at my job. Dnt know how I owe over XXXX XXXX  please explain. I have no money to pay that whole amount back, can we please work out a payment plan please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 have no knowledge of such inquiries, so this one seems to be unlawful and a unauthorized. Please resolve this issue as soon as you can. 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-15 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: TX

Complaint narrative:
Please help me, I have attached supporting documents

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-10-15 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: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I called Capital One about my XXXX XXXX credit card. I closed the card because I'm trying to pay the card off and asked if there was anything they could do to adjust the interest rate so I could pay it off, and they said NO. I was XXXX day past the due date a couple months ago and they charged me a late fee. I asked if there was a grace period after the due date as most companies offer and they said there is no grace period. This company doesn't care about their customers, they are only interested in charging extra fees to make it impossible to pay off. Any company I've ever dealt with gives at least a week grace period to make the monthly payment but this company will not do that or help the customer out in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only accurate, complete, and verifiable information. I request these entries be verified, and if they can not be confirmed, they should be corrected or removed.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-10-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: CA

Complaint narrative:
I was involved in a XXXX XXXX XXXX XXXXXXXX accident XX/XX/XXXX. I was at 0 % fault. The car had not been paid off then so I was unable to file anything with XXXX. Finally in XX/XX/XXXX, I paid off the car and have been trying to get the title to get the car junked. The car was a total loss. I have been back in forth with carman finance company and the XXXX and each tells me to go to the other. In XXXX, CarMax sent me a letter stating that there was a hold on my account and thats why I couldn't receive the title. Magically, after many times of calling them and without me doing anything else, they removed the hold and stated I'd be receiving the title in the mail. This was XX/XX/XXXX. For 3 months, I waited for the title to no avail. I visited the XXXX on XX/XX/XXXX with a XXXX XXXX form filled out and all the paperwork CarMax had sent me. They informed me that because the title was paperless, I would need to contact CarMax to be removed from an ELT Program in order to receive the pink slip in the mail. From there I could take that to the XXXX and receive the title. When I called CarMax on XX/XX/XXXX, they repeatedly stated that there was nothing they could do, I should be able to receive the title with the documents they had already sent me. I've been going in circles for a year now trying to get this car junked for an accident that wasn't my fault and everyone seems to be giving me the run around. I don't know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
Please delete the contested accounts on time, as outlined in 15 U.S. Code 1681g.

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 2025-10-15 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: FL

Complaint narrative:
Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MD

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXXXXXX - XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: NY

Complaint narrative:
I am filing a complaint against Netspend Bank for failing to properly investigate and resolve a case of clear card fraud involving my lost debit card. My card was lost with the PIN written on it, and an unauthorized withdrawal of approximately {$350.00}, along with other associated charges, occurred shortly thereafter. 

I immediately reported the incident through Netspends chat system and followed up multiple times via email. Despite providing all necessary details promptly, Netspend failed to respond in a timely manner. After weeks of silence, they abruptly denied my claim without providing any meaningful explanation or documentation of an investigation. 

This conduct demonstrates gross negligence in handling a fraud report. The delay, lack of communication, and unreasonable denial of a legitimate dispute are unacceptable and contrary to standard consumer protection and banking practices.

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 2025-10-15 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: MD

Complaint narrative:
I am disputing the accuracy and completeness of the following data on my TransUnion credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as Open / Late 120 Days every month from XXXX through XXXX with a past-due amount of {$3400.00}. This reporting is factually inconsistent and violates FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ). Under Metro-2 guidelines, Fields 17A, 71, and 78 can not simultaneously indicate Open and 120 Days Late.

I dispute all reported late months ( 30-, 60-, 90-, 120-day ). Provide complete payment ledgers showing due dates, receipt, and posting for each month. Automated codes are not proof ( XXXX v. TransUnion, XXXX XXXX XXXX ). 
If your furnisher can not verify this through independent documentation within the FCRAs timeframe, you must delete this tradeline entirely under 611 ( a ) ( 5 ) ( A ). 
XXXX. Personal Information Errors Your report contains mixed identifiers ( XXXX XXXX XXXX/ XXXX XXXX XXXX ) and old addresses ( XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  ). These violate FCRA 605 ( a ) ( 1 ) and 607 ( b ). Delete obsolete or inaccurate names and addresses and confirm my file is isolated to my current identity only.

Failure to correct will constitute willful non-compliance under XXXX and be escalated to the CFPB, FTC, and the Attorney General. 
Enclosures : ID, utility bill, highlighted 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 non-monetary relief
Consumer complaint received 2025-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> via XXXX a purchase of an XXXX XXXX was made using my XXXX online account and credit card that was saved within account. I caught the email that was sent giving order confirmation on product I did not buy. I called XXXX customer service and they were able to cancel purchase and reissue a new account number. Also, of interest was that my email was signed up for numerous ( like 20 different govermental subscriptions ) emails for which I never signed up for -- assuming in attempt to saturate my email feed and make me not notice that there was an XXXX XXXX purchase confirmation. Luckily I did because I watch my email like a hawk. But I know many people do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: SC

Complaint narrative:
I am writing to advise that I am a XXXX XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$740.00} INQUIRIES : XXXX XX/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 2025-10-15 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 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 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

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