vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EXPERIAN,, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EXPERIAN, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX Account # : XXXX - Date Opened : XXXX Balance : {$15000.00} NQUIRIES : XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
I returned my leased XXXX XXXX XXXX XXXX XXXX Security on XX/XX/year>, which was ten days before my lease end date of XX/XX/year>. The dealership removed my plates at the time of return, and I surrendered them to the XXXX  XXXX the same day. I have documentation of the plate surrender dated XX/XX/XXXX. 

However, the dealership incorrectly reported my grounding date as XX/XX/year>, more than a month after I turned in the vehicle. As a result, Nissan Motor Acceptance Company billed me for an additional month that I do not owe. 

This is an inaccurate and deceptive business practice and has caused financial harm. I am requesting that NMAC correct the grounding date to XX/XX/year>, remove the improper charge, and provide written confirmation. 

Alternately I am requesting that XXXX XXXX XXXX take responsibility and they pay the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: OH

Complaint narrative:
I am filing this complaint because TransUnion failed to comply with the federal Identity Theft Block requirements under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2.

I am a XXXX XXXX XXXX XXXX and I submitted all legally required documents for an identity theft block, including : A valid FTC Identity Theft Report My government-issued identification Proof of address A written request identifying each fraudulent account Under 15 U.S.C. 1681c-2 ( a ) ( 1 ), once a consumer submits an Identity Theft Report and supporting documents, the credit bureau is legally required to block all fraudulent information from the consumers file within 4 business days.

Despite following every step required by federal law, TransUnion : 1. Refused to block the fraudulent accounts 2. Stated that my accounts do not qualify, without providing any legal explanation 3. Failed to provide the specific written reason for denial, which is required under 15 U.S.C. 1681c-2 ( a ) ( 6 ) 4. Attempted to place my request into the 30-day dispute process, even though identity theft block requests are not subject to that timeline TransUnion has not identified which of the four legal exceptions under 1681c-2 ( a ) ( 6 ) they believe applies, nor did they provide any evidence supporting their refusal. 

Because TransUnion received a valid Identity Theft Report and all necessary documents, they are required under federal law to apply the identity theft block within 4 business days, not 30 days. 

Their refusal to apply the block and refusal to provide a legally required reason constitutes a clear violation of the FCRA. 

15 U.S.C. 1681c-2 ( a ) ( 1 ) Requires a credit bureau to block all information resulting from identity theft within 4 business days after receiving an Identity Theft Report and required documents. 

15 U.S.C. 1681c-2 ( a ) ( 6 ) Requires the credit bureau to provide a specific written reason if they refuse to apply the block. 
A vague denial such as does not qualify does not meet the statutory requirement. 

TransUnion has violated both sections of the FCRA.

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 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: CO

Complaint narrative:
Between XX/XX/year> and XX/XX/year> I had a total of 14 charges that occurred on two of my debit cards in XXXX. While I had been in XXXX, I had returned to the United States on XX/XX/year>. All of the charges on my account were made after this date by several weeks. I filed a chargeback with KeyBank on all of these charges and they were denied because they indicate that .the physical card was present where the CHIP and/or PIN were authenticated at the merchants terminal, with no errors, and the card was in your possession when the transaction occurred. I provided proof to KeyBank proving that 1. My trip to XXXX had concluded on XX/XX/year> and 2. That I was at work in Colorado at the time of all of these transactions. Despite this, my claims were denied for the above stated reason. I plan to follow through with a case in small claims court if this isnt resolved. 

I have not included my time card in this upload as it contains too much private information. However, this was emailed to KeyBank several weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I am submitting this complaint regarding LVNV Funding, a third-party debt buyer, for continued inaccurate and unverifiable credit reporting of an alleged {$1000.00} collection account originally attributed to XXXX XXXX XXXX XXXX XXXX This account is currently reporting on XXXX  only. 

LVNV Funding is not the original creditor, yet it is reporting this account as a collection without providing any documentary proof that it has legal ownership of the alleged debt or the authority to report it. At no time has LVNV Funding produced : A copy of the original signed contract with the original creditor, A complete payment history, Proof of any lawful transfer or assignment, or Proof of current legal ownership of the alleged balance.

Because no documentation has been provided to substantiate this tradeline, the continued reporting of this account violates the requirement of maximum possible accuracy under 15 U.S.C. 1681e ( b ). The fact that this account is reporting on only one consumer reporting agency further demonstrates the information can not be verified with consistency or reliability.

Upon receipt of this complaint, LVNV Funding is legally required to conduct a reasonable investigation and provide documentary verification under 15 U.S.C. 1681s-2 ( b ).

This inaccurate reporting has caused suppression of my credit score and ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: NC

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: KS

Complaint narrative:
XXXX XX/XX/XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
This is been going on since XXXX. I reached out to them with a numerous amount of emails but I will give you the most recent ones XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX  had asked me to provide them with the ACH information to transfer my money from their account to my other bank account due to the fact my bank account that was linked to XXXX  was hacked and the bank had to close that account. They requested a letter from the bank stating that the account was closed and that no funds would be able to be transferred into that account I sent them that. They asked me for a selfie, a picture of my driver 's license that I used when I signed up for the account, a handwritten note with the date that the picture was taken and sent and a copy of the ticket number written underneath the date. I did that XXXX times and XXXX  still ignoring me. XXXX will not answer any of my emails all I am getting is responses from AI 's. That their team is investigating it and I will hear from them soon but still no response I've already filed a complaint with the XXXX XXXX XXXX XXXX Attorney General 's office but they still will not comply, it's like they're trying to steal the funds that I have in that account. I was sent an email back from them stating that the alternate bank account was cleared for transferring the money to the alternate account but they still have my account locked and won't let me transfer my money to my alternate bank account. Although they verified the new bank account they're still holding my money hostage. I want my account unlocked so I can get my money out of that account because this seems to be a shady company I've seen many many complaints about XXXX  and do not wish to have any further dealings with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: TX

Complaint narrative:
Hello, XXXX is now forcing consumers to pay them using their credit cards. I have tried multiple times to use my debit card to pay them ; however, they have blocked the transaction, and I am forced to use my credit card instead. Before reaching out to XXXX, I contacted my bank. The reps have assured me that they have not blocked any transaction from XXXX and that this is an issue on their side. My financial institution stated that they are receiving a system error message that reads, " System not able '' from XXXX. This is not an insufficient funds issue, and all other transactions from different companies have been processed without any problems. I've called and emailed XXXX multiple times since XX/XX/XXXX with no resolution. They continue to state that my bank is blocking the transaction, A blatant lie! I tried removing my debit info and re-entering it. The XXXX app does not allow me to save my debit information. This was done deliberately. Consumers should not be forced to use their credit cards or submit checking information to pay a debt. I have had no issues using my debit card until XX/XX/XXXX. In addition, when I'm in the app, and go to the payment method, I can no longer edit or see my full card information on file. That has not always been the case, and it leaves me with the impression that something was messed up. Please review the emails I have attached to this complaint. No company should force a consumer to pay one way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: PA

Complaint narrative:
Sendwave promoted a wallet service advertised as providing better exchange rates. Based on this promotion, I deposited {$500.00} into the Sendwave wallet. The funds did not post for several days, making the service unusable. When I requested a refund, Sendwave refused without clear explanation.

Because the service was not rendered, I contacted my bank and lawfully disputed the {$500.00} charge. After the chargeback, Sendwave closed my account and restricted access.

Despite closing my account, Sendwave later confirmed in an email dated XX/XX/year> that my wallet balance was approximately {$490.00}. This amount includes a refund of {$180.00} for canceled transfer # XXXX on XX/XX/year>. Since my account is closed, I can not access or withdraw these funds. 

Sendwave continues to retain my money and has refused to refund the balance to my linked bank account or provide an alternative withdrawal method. They have implied the funds are being withheld due to the prior chargeback, even though the balance represents my own money and a canceled, undelivered transaction.

Holding consumer funds after account closure and conditioning refunds on whether a consumer exercised their right to dispute a charge is unfair and improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: VA

Complaint narrative:
I have repeatedly disputed a {$170.00} collection from XXXX XXXX XXXX that Equifax is reportingXXXX XXXX  has already deleted this exact collection because the furnisher could not verify the account with maximum possible accuracy.

Despite this, Equifax continues to report the collection even though the furnisher failed to validate the debt with another credit bureau. Under the FCRA, Equifax is required to ensure data accuracy and can not continue reporting unverifiable information. I specifically requested validation and original documentation from Equifax, but they have not provided any. Their responses have been automated verified results without any supporting evidence.

This violates FCRA Sections 602 ( A ), 607 ( B ), and 611 ( a ) ( 1 ) ( A ), which require credit reporting agencies to maintain accurate data and conduct reasonable investigations.

I am requesting that the CFPB require Equifax to perform a true reinvestigation using original documentation from the furnisher. If the furnisher can not supply proper validation, Equifax must delete the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Issue : Debt collector is reporting inaccurate information ( late, past due, open ) on a collection account in violation of FCRA and FDCPA. 
Company : XXXX XXXX XXXX LVNV Funding / Resurgent Capital Services Complaint : I am filing this complaint because the companies listed above are reporting inaccurate and unlawful information on my credit report. Specifically, they are reporting a collection account as late, past due, or open. XXXX accounts can not legally have scheduled monthly payments, and therefore can not be late or past due under federal law. 
This violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report only accurate information, and 15 U.S.C. 1681i, which requires reinvestigation of disputed information.

This also violates the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e, which prohibits false, misleading, or deceptive representations in connection with the collection of a debt.

I have already notified each collector in writing that the reporting is inaccurate. I also mailed a formal debt validation request under 15 U.S.C. 1692g ( b ), and until validation is provided, the collector is required to cease collection activity, including credit reporting. They have not provided the required documentation.

I am requesting that the CFPB require these companies to : 1. Delete or correct the inaccurate reporting immediately, 2. Provide me with full written validation, and 3. Confirm compliance with federal law.

I believe the actions of these companies are causing significant harm to my credit and violate federal consumer protection laws.

Consumer Information : Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had borrowed a small personal loan earlier this year to cover attorney fee for a lawsuit from a business that ruined motor on my vehicle my attorney got me recovered damages enough to cover engine replacement with little extra to put in for install the bank XXXX threatened to take funds from me if I didn't pay remaining off was little behind work gets slow sometimes so I was forced to use some of my settlement money to pay last little bit of money off I owed them money that was recovered for me from damages I had suffered from another business last year I'm short on getting my vehicle fixed I applied for another personal loan and they are refusing bc of credit yet my credit was worse when they gave me the first loan my income is more than enough to cover the payments they bashed me bc of my credit threatened to take funds from me over a couple grand owed and refused to work with me through this difficult time they preach about taking care of their members and they don't I think they need investigated for unfair credit practices and being unprofessional they do not take care of their members they threatened my funds when I'm recovering from a hardship and I was forced to use rest of my settlement money to pay them back when that money was ment for my vehicle repair this isn't right and completely unfair I have banked with these people since 2013 gave them my word on paying personal loan back and did asked for one more small loan to get me back on track and they crap on me oh we can't loan to you now all of a sudden your not good enough bc of credit how does that make sense credit was worse from the first loan what's the issue? Now I'm struggling and stressed with staying working bc I'm stuck paying 2 vehicle loans bc i can't get my other vehicle fixed they are causing me more of a hardship I was forced to purchase second vehicle bc of what happened with lawsuit and my other vehicle getting ruined couldn't afford to drag it out and settled bc of work being slow so now I can't even rebuild my credit bc I need transportation to get to work so I'm stuck with 2 vehicle loans still and can't finalize my bankruptcy and on verge of getting hit with 2 repos

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: TX

Complaint narrative:
This is a legal reminder that under 15 U.S.C. 1692g ( b ), you must halt all collection activity once a written validation request is submitted. The accounts I mentioned include incorrect data. You must show competent evidence a signed contract, complete account records, and proof you have the authority to collect or stop all collection and delete these items.

TRUEACCORD C XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
These late payments are inaccurate. I had XXXX  and was completely out of work. I asked for a deferred payment and was told okay. I did still send payments to the company over the amount of the payment needed. Company wont send out statements.

Company response to consumer: Closed with explanation