vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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
Consumer complaint received 2025-11-27 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: Aqua Finance, Inc.
State: MI

Complaint narrative:
I am filing this complaint because AQUA FINANCE INC is furnishing inaccurate, unverified, and fraud-related derogatory information to the credit reporting agencies. Specifically, AQUA FINANCE INC continues to report late payments that resulted from fraudulent activity, despite being notified and provided with disputes.

These inaccuracies are negatively affecting my creditworthiness, employment opportunities, and access to credit.

I disputed the fraudulent late payment reporting through the credit bureaus and received reinvestigation results under FCRA 611 ( a ) ( 6 ). The late payments from XX/XX/XXXX were not corrected or removed, even though they stem from activity that I did not authorize. 

Following those results, I submitted a request under FCRA 611 ( a ) ( 7 ) asking for a description of the investigation procedure used to verify the disputed information. AQUA FINANCE INC has not provided the required explanation.

Account With Fraudulent and Inaccurate Reporting AQUA FINANCE INC XXXX Date Opened : XX/XX/XXXX Reported Balance : {$97000.00} This account shows late payments for XX/XX/XXXX, which were the direct result of fraudulent activity. These late entries are inaccurate and should not be reported. 
AQUA FINANCE INC has not properly investigated the dispute, nor have they provided documentation to verify the reporting.

Violations of Federal Law ( FCRA ) AQUA FINANCE INC is in violation of several provisions of the Fair Credit Reporting Act, including : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information knownor reasonably expectedto be inaccurate FCRA 623 ( b ) : Failure to conduct a reasonable investigation after receiving notice of dispute from a credit bureau FCRA 609 & 611 : Failure to ensure accuracy, completeness, and proper verification FCRA 611 ( a ) ( 7 ) : Failure to provide the required description of the reinvestigation procedure These violations demonstrate a failure to maintain accurate records and failure to comply with established dispute-handling requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
I am writing to formally dispute unauthorized credit inquiries on my credit report, as permitted under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ). This statute provides me the right to dispute any inaccurate information, and 15 U.S.C. 1681b stipulates that credit inquiries can only be conducted under specific, permissible circumstances. 

The following inquiries were not authorized by me and therefore, I request their immediate removal from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 
Please remove these inaccurate accounts inquiries from all my consumer reports immediately.

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 2025-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
I am filing a formal complaint regarding gross mismanagement, negligence, and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) by Nissan Motor Acceptance Company ( NMAC ). 

The Core Violation : I initiated a standard Transfer of Equity ( TOE ) on XX/XX/year>, to transfer my vehicle to my mother to enable refinancing. NMAC representatives explicitly promised a 3-4 week processing timeline. It has now been over 5 months.

Systemic Failures & Negligence : Completed Requirements : I have submitted all required documentation twice, including re-notarized forms due to NMAC 's own administrative errors. XXXX tracking confirms final delivery of the corrected package on XX/XX/year>. 

Acknowledged System Failure : NMAC has acknowledged receipt of these documents but refuses to process the transfer due to an internal 'system error ' they identified on XX/XX/year> ( Ticket # XXXX ). They have failed to resolve this internal error for nearly 30 days, holding my loan hostage. 

Deceptive Communication : I have escalated this to supervisors XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). Each supervisor promised a callback within 2-5 business days. XXXX callbacks were received. They provided false information regarding timelines and even instructed me to pay a partial amount ( 85 % ) in XX/XX/year>, which caused a past-due balance on my account through no fault of my own. 

Unavailability : On XX/XX/year>, I attempted to contact the Escalation Team during posted business hours as instructed. Their automated system stated they were 'unable to take the call ' and disconnected me. Their chat system was also offline. I have been completely cut off from support. 

Financial Injury : By administratively blocking this transfer for 5 months, NMAC has prevented me from refinancing to a lower interest rate. I have been forced to pay approximately {$2100.00} in monthly payments on a loan I should have exited in XXXX. I am accruing daily interest charges that I can not mitigate because NMAC refuses to process the paperwork they admit they have. 

Resolution Demanded : Immediate completion of the Transfer of Equity within 48 hours. 

A retroactive refund of all interest accrued from XX/XX/year>, to present, credited to the principal balance. 

Written confirmation that no negative reporting will be made to credit bureaus regarding this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XX/XX/XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XX/XX/XXXX XXXXXX/XX/XXXXBalance : {$1000.00} - Date Opened : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX - Date Opened : XX/XX/XXXXXX/XX/XXXXXXXX - Date Opened : XX/XX/XXXXXX/XX/XXXXXXXX -- Balance : {$19000.00} - Date Opened : XX/XX/XXXX XX/XX/XXXXXXXX -- Balance : {$4800.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$4100.00} - Date Opened : XX/XX/XXXXXX/XX/XXXXXXXXXX/XX/XXXX Balance : {$5900.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I was scammed by cashapp for {$2000.00}. 
Funds were hacked and sent to XXXX people, XXXX for {$1500.00}, XXXX for {$500.00}. These people did not claim the money and sent it back. Then cashapp took it out and I dont know where it went. Then they sent my bank documents that said I authorized the transfer, but I did not. Now they won't give me back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: KY

Complaint narrative:
There was a fraudulent credit inquiry on my XXXX  report. I received a call stating there was going to be a lawsuit against me and then right after the inquiry showed up 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 2025-11-27 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 explanation
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OK

Complaint narrative:
I participated in a Coinbase promotion that advertised XXXX {$50.00} of XXXX and earn up to {$2000.00} in XXXX with an average payout of {$50.00}. I purchased {$50.00} of XXXX specifically because of this offer. 

After completing the purchase, I did not receive the reward. I contacted Coinbase support multiple times, and several different agents clearly told me that : I met all the requirements I would receive the reward I only needed to wait a few days The reward was guaranteed I have screenshots of multiple Coinbase support agents confirming that I fully qualified and that the reward would be issued soon. 

After over a week of waiting, I contacted Coinbase again. This time, a support agent told me I did not meet the requirements but they refused to explain which requirement I allegedly failed. They would not provide any proof or clarification, even though previous agents repeatedly told me I was fully eligible. 

This is misleading and inconsistent. XXXX support gave me false assurances, caused me to make a financial purchase based on their instructions, and then denied the reward with no explanation. It appears to be a deceptive or unfair promotional practice. 

I am requesting that Coinbase : Provide a clear explanation of the eligibility requirements. 

Explain why their agents repeatedly confirmed I qualified. 

Issue the promotional reward I was promised. 

Correct this misleading and contradictory customer service behavior. 

I am submitting this complaint because Coinbase has refused to provide transparency or resolve the issue through normal support channels.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Valon Technologies, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding Valon Mortgage Inc, negligence in handling my homeowners insurance payment. My homeowners insurance of XXXX with XXXX XXXX and XXXX XXXX XXXX was cancelled because Valon Mortgage Inc failed to send the payment to the correct company which was due yesterday, XX/XX/year>. My insurance agent confirmed that the payment was never received because Valon sent it to the wrong place. On their automated system, it said it was sent XX/XX/XXXX, XXXX was a careless mistake on Valon Mortgages part. 

As of today XX/XX/year>, the payment still has not been corrected or sent to the proper company. I was told it may take approximately XXXX to XXXX business days for the correct check to be issued and mailed. This delay is especially concerning because it falls during the XXXX holiday period tomorrow Thursday is XXXX, and Friday is XXXX XXXX. Because of the holiday closures, the earliest the corrected payment XXXX be sent is Tuesday. 

As a result, my home will remain uninsured until Valon Mortgage sends the correct payment and XXXX XXXX is able to reinstate my policy. This lapse in coverage is entirely due to Valon Mortgages negligence and has placed my property at significant risk through no fault of my own. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and require Valon Mortgage to take immediate corrective action and implement measures to prevent this type of error from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: VA

Complaint narrative:
I am filing a complaint against Climb Credit for improper handling of a private student loan ( Application # XXXX ) associated with XXXX XXXX which has ceased operations and is unable to provide contracted services. 

I have formally disputed the loan due to non-delivery of services and material breach by the school. My promissory note includes the FTC Holder Rule, which states : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES. 

Climb has repeatedly refused to address my Holder Rule claim and has instead instructed me to seek refunds directly from XXXX, even though the school is closed and unable to provide required services. 

Additionally, Climb is : Continuing to display an active payment due Maintaining a scheduled recurring ACH withdrawal despite ACH revocation Failing to suspend collections during a dispute Failing to provide written confirmation of dispute status Responding only with automated messages stating my complaint is directed to senior team Failing to investigate my claim or provide any substantive response These actions appear to violate : The FTC Holder Rule Regulation E ( ACH revocation requirements ) FCRA/Reg V ( handling of disputes and credit reporting obligations ) I am requesting the CFPB require Climb Credit to : Suspend all payments and collections during the dispute Properly review and respond to my Holder Rule claim Cease attempts to collect on services not delivered Confirm my accounts dispute status and freeze billing I can provide all emails, screenshots, agreements, and shutdown announcements upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am disputing the following account because it is obsolete under the Fair Credit Reporting Act ( FCRA ). 
The account is more than 7 years old from the original date of delinquency and must be removed. 

Account opened in XX/XX/XXXX, XXXXAmount XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation