vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am a victim of identity theft and filed an FTC Identity Theft Report on XX/XX/year>. On XX/XX/year>, I submitted a comprehensive dispute to LexisNexis with my FTC report and supporting documentation, requesting deletion of fraudulent insurance claims, policies, motor vehicle violations, and addresses that do not belong to me. 

Despite the clear evidence of identity theft, LexisNexis has engaged in a piecemeal deletion process, removing some items while continuing to " verify '' other fraudulent records. On XX/XX/year>, LexisNexis removed 32 fraudulent addresses but stated they had " located and verified '' fraudulent insurance policies, claims, and violations. On XX/XX/year>, they again claimed to have " verified '' fraudulent information and refused full deletion. Their most recent response was XX/XX/year>, continuing this inadequate approach. 

The fraudulent records still on my file include six automobile insurance claims ( claim numbers : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX ), five insurance policies ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), a fraudulent address in XXXXXXXX XXXX and associated motor vehicle violations. 

I have never owned the vehicles listed in these policies ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). I have never filed these insurance claims. I have never resided at the XXXX address. I can prove I was elsewhere when the alleged violations occurred. 

LexisNexis has violated FCRA Section 605B by failing to block identity theft information within four business days. Over 40 days have elapsed since I provided my FTC report. This willful non-compliance is causing severe financial harm through dramatically inflated insurance premiums and emotional distress to my family.

I previously filed two CFPB complaints ( Case # XXXX on XX/XX/year>, and XXXX # XXXX on XX/XX/year> ), yet LexisNexis continues to violate federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: Block, Inc.
State: PA

Complaint narrative:
My Cash App account under the name XXXX XXXX ( XXXX XXXXXXXX ) was locked for security reasons, and Cash App Support has refused to release or return the funds in the account. The money in this account belongs to me, XXXX XXXX XXXX, but the account was created under my grandmothers name because I did not have my own account at the time. 

We have contacted Cash App multiple times by phone and email to verify our identities and request that the funds be released or transferred to my grandmother ( the verified account holder ), but each time we were told that they can not override this decision for security reasons. 

We are requesting that Cash App review this case again or release the remaining balance to the verified account owner ( XXXX XXXX ). The funds are important because they were saved for my passport application, and I have been unable to access them for weeks. 

Account details : Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account user : XXXX XXXX XXXX. 
Phone number : XXXX Email : XXXX We have followed all normal support procedures, but the issue remains unresolved. Please help ensure Cash App properly reviews this situation and returns the funds. 

Thank you for your help. 

Desired resolution : Release or refund the funds from the locked account to the verified account owner ( XXXX XXXX ) or to a new verified account in my name. 
Company name : Block, Inc. ( Cash App ) Product : Payment app or digital wallet Issue : Closed or restricted account or Funds not returned Amount involved : XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
I enrolled in a school program around XX/XX/XXXX, but I only attended for approximately a week and a half before deciding to withdraw. I did not complete the program or remain enrolled for a full month. Based on my understanding, if I did not attend or remain enrolled for a full month, I should not have been charged for a student loan related to the program and this is what the school said. 
However, despite my short attendance, I was later informed that a school loan was processed in my name. When I contacted the school, I explained that I attended for less than XXXX weeks and withdrew early. The school representatives told me there was nothing they could do and that the loan would still remain active. 
I believe this loan was applied in error, as I did not receive the full services or education for which the loan was intended. I am requesting that this matter be reviewed and that my loan be canceled or adjusted to reflect that I did not complete or benefit from the program. 
This situation has been ongoing since XX/XX/XXXX, and I have made multiple attempts to resolve it directly with the school without success And contact them in XX/XX/XXXX 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 non-monetary relief
Consumer complaint received 2025-11-02 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: GA

Complaint narrative:
Dear Credit Bureau Representative, I am writing regarding my consumer credit file. Upon review, I have identified several debts and/or negative entries that I believe are inaccurate, incomplete, or can not be verified in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

These inaccuracies may constitute a violation of your duties under the FCRA, including those outlined in 15 U.S.C. 1681n, which establishes civil liability for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Credit Bureau Representative, I am writing regarding my consumer credit file. Upon review, I have identified several debts and/or negative entries that I believe are inaccurate, incomplete, or can not be verified in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

These inaccuracies may constitute a violation of your duties under the FCRA, including those outlined in 15 U.S.C. 1681n, which establishes civil liability for willful noncompliance.

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Email : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX Subject : Request to Remove Former Address XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX I am writing to request that the following former address be removed from my credit report : XXXX XXXX XXXX XXXX, XXXX, PA XXXX I previously resided at this address, but I no longer live there. I would like my credit report updated to reflect only my current and accurate mailing address, which is listed above. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and delete this outdated address from my credit file. This will help ensure that my credit information remains current and accurate. 



Please send me written confirmation once this address has been removed and my credit file updated. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On the night of XX/XX/year>, I attempted to make a {$630.00} hotel booking using my Citibank credit card. The transaction was declined, and my card was immediately blocked without notice. I contacted Citibank right away, and the representative informed me that they would mail a verification letter before I could regain access to my account. 

After waiting for several days, I finally received the verification letter on the afternoon of XX/XX/year>. I called Citibank immediately, provided the reference number, and the representative confirmed that my account was now normal and fully restored. 

However, only a few hours later, on the evening of XX/XX/year>, I attempted to make a {$30.00} payment to XXXX, and the transaction was again declined. When I contacted Citibank, I was transferred between multiple representatives and was eventually told that a new verification letter would be mailed, meaning I must wait yet another week or longer just to use my card again. 

This situation is extremely frustrating and unreasonable. I have followed every verification instruction from Citibank and have confirmed legitimate transactions through both text and email when prompted. For example, I confirmed the XX/XX/XXXX hotel transaction through both channels, yet my account was still blocked afterward. 

Citibank repeatedly claims that these lockouts are for account protection, but in practice, they have caused only inconvenience and disruption. Each time my card is locked, I am unable to make basic payments for more than a week.

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 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
To whom it may concern : Be advise thus not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay debt .This is NOT a request for 'verification " or proof of my mailing address, but a request for VALDIATION made pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your office have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX  ) this action might constitute fraud under both federal and state laws. Due to this fact, if ant negative mark is found or continue to bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Pratices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with the request could put your company in serious legal trouble with the FTC and other state and federal agencies.

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 2025-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
According to the 15 USC 1681 law there should not any damages on my credit report. It is definition to my character.

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 2025-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Had a title loan on or about XXXX for {$3000.00} with TITLE MAX charged me $ XXXX {$500.00} per month for 10 months at which point I enquired about my remaining balance They said I owed the entire XXXX plus fees After I had already paid $ XXXX {$5000.00} On an XXXX XXXXXXXX XXXX XXXX TITLE MAX charged me excessive fees Made it very problematic to get my title back I did indeed get my title back but only after I paid them an additional {$2000.00} I feel that I have been victimized by predatory Lending Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
I am submitting this complaint because Lake Michigan Credit Union is reporting inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

This account has been paid in full and I have confirmation of the XXXX balance from the creditor. However, the account is still being reported as charged off and is not being updated to reflect Paid in Full / {$0.00} balance/ Closed.

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 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX Formal Demand for Validation and Investigation Results- Account # XXXX Debt Collector Name and Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Debt Validation and Cease of Collection Activities Pending Verification To Whom It May Concern, This correspondence constitutes a formal demand for debt validation and investigative disclosure pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

You are hereby required to produce complete and verifiable documentation substantiating your legal right to collect the alleged debt referenced above, including but not limited to proof of Ownership and Assignment : A complete chain of custody or assignment demonstrates lawful transfer of this debt, from the original creditor to your agency. Executed Contract : A true and complete copy of any signed agreement or contract bearing my signature, establishing my legal obligation to the alleged debt. Detailed Accounting : A comprehensive itemization of all debits, credits, interest, and fees claimed to be owed. Licensing Verification : Proof that your agency is duly licensed and authorized to collect debts in my state of residence.

Pursuant to 15 U.S.C. 1692g ( b ), all collection activity must cease immediately until you furnish the documentation required for proper validation. Any attempt to collect, report, or communicate this debt to third parties in the absence of validation shall constitute a willful violation of federal law and may result in civil liability under both the FDCPA and FCRA. 
Should you fail to provide full verification within 30 calendar days of receipt of this notice, you are expected to : Permanently cease all collection efforts, remove any negative reporting from all consumer reporting agencies, and Refrain from any further contact except to confirm cessation. 
This notice does not constitute an acknowledgment of the alleged debt, not a waiver of any of my rights under federal or state law. 
Respectfully, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
On XX/XX/year>, American Express canceled all of my credit cards, according to them, due to indicia of misuse. An over {$2000.00} credit card annual fee has been paid to American Express without getting a pro-rated refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
the car was repo XXXX of XXXX got the car back under bankruptcy XX/XX/XXXX got pulled over because car is no longer registered so now I have to go to court they said I can beat the ticket if the car is registered by the court date called them and they continue to say the same thing that they mailed it and I never returned it and now they going to send it XXXX. but I never received it still. court date is approaching I cant drive the car because the police will take it I need the car paced back in my name immediately .I cant get to work so I'm not making any money I'm behind on my rent and gas they need to stop lying and put the car back in my name so I can register it at XXXX and drive it or issue me some temporary tags. this is insane this company is ridiculous I know I'm not the only one they doing this too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I purchased a XXXX XXXX XXXX from cars XXXX sell in XXXX, XXXX  ] on XX/XX/XXXX. XXXX XXXX XXXXXXXX. I financed the vehicle through XXXX XXXX. The dealer advertised the car for {$18000.00} online originally but then said the car went away and then said they had another camry for sale for XXXX but i searched the listing later and seen they had it publicly for XXXX but the final contract shows the financed amount is about {$5000.00} higher. I have attached the sales contract ( contains VIN number ), the original advertisement screenshot, and my communications with the dealer for verification

Company response to consumer: Closed with explanation