vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: UPGRADE, INC.
State: FL

Complaint narrative:
daily through email and {$2800.00} owed XXXX XXXX XXXX debt collector bought through Upgrade

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have a loan from Service Finance for XXXX for my home. I have been making payments and decided to refinance though my credit union. Service Finance shows that I have XXXX loans through them, which I was not aware of and I can not access the second loan. I am afraid that I have fallen victim to a predatory loan as I am a widow with a teenager at home on a limited income. I expressed this to them and the payment continues to rise. It is causing much stress and fear.

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 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that was advertised at XXXX VND ( approximately USD XXXX ). The spa charged USD XXXX, a XXXX overcharge, which I did not authorize as I believed the cost was XXXX VND when I paid with my Capital One Venture X card. The treatment was XXXX XXXX XXXX XXXX XXXX XXXXs promised. On XX/XX/year>, I emailed the spa demanding a refund, but they did not respond. I have a picture showing the advertised price of XXXX VND as proof of their deception. 
I filed a dispute with Capital One on XX/XX/year>, but they denied it on XX/XX/year>. They reopened the dispute on XX/XX/year>, but have not refunded the USD XXXX as of XX/XX/year>. This is unacceptable, as I pay a {$390.00} annual fee for premium protection, yet Capital One failed to protect me from this scam. The spas actions violate XXXX consumer laws, and XXXX prepared to sue them in XXXX, report them to XXXX  authorities ( XXXX XXXX XXXX XXXX XXXX XXXXnd send this story to multiple YouTubers to expose their fraud, ensuring others are warned. I request a full chargeback of USD XXXX and a temporary credit pending resolution, as this charge was unauthorized and the service was not delivered as advertised, per the Fair Credit Billing Act and Consumer Credit Act Section XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-05 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: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however that information has not been provided. Due to my information being exposed I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached the copy of my ID, SSN, FTC complaint, NPD showing my information was exposed in a national data breach, and a validation of debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have contacted sent all three credit bureaus dispute letters and ask for the removal of inaccurate accounts from my report and I haven't received any responses or results. I included a picture of my drivers license. I sent letters in XX/XX/year>, XX/XX/year> and XX/XX/year>. 

I am asking that the following inaccurate accounts be removed 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have contacted sent all three credit bureaus dispute letters and ask for the removal of inaccurate accounts from my report and I haven't received any responses or results. I included a picture of my drivers license. I sent letters in XX/XX/year>, XX/XX/year> and XX/XX/year>. 

I am asking that the following inaccurate accounts be removed 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

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 2025-06-05 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: CA

Complaint narrative:
I have recently discovered fraudulent accounts on my credit report due to a data breach. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX   - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXXXXXX Date : XXXXXX/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 2025-06-05 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: CA

Complaint narrative:
I have recently discovered fraudulent accounts on my credit report due to a data breach. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX   - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXXXXXX Date : XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Credit acceptance sent me my insurance check after holding the check almost 2 years then once the check was cashed It bounced back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Veem  Inc.
State: PA

Complaint narrative:
Summary of Complaint : Veem Payments Inc. has unjustifiably withheld funds from both myself and my partner, employing unreasonable, discriminatory, and deceptive practices related to identity verification and account withdrawals. Their actions constitute multiple violations of federal and state financial consumer protection laws. 

Detailed Account : On XX/XX/XXXX, I created a Veem account, depositing {$10.00} via debit card transfer for platform testing. I submitted legitimate identity verification documents, including my Yemeni passport ( machine-readable ), valid U.S. visa , Social Security Number , verified Pennsylvania address , email, and phone number.

Upon attempting withdrawal, Veems system demanded a U.S. state-issued ID card, refusing my passport due to the lack of a non-existent " back side '' and providing no alternative verification method. Multiple interactions with Veem customer service ( June 3-4, 2025 ) confirmed their automated system lacks manual review capacity, rendering compliance impossible despite acknowledging the legitimacy of my documents. 

My partner, XXXX XXXX XXXX XXXX XXXX XXXX XXXX also encountered severe issues. Her employer paid her wages through Veem, which are now withheld due to Veem 's unreasonable demand for a XXXX XXXX  ( Tax ID ). She has no legal obligation nor practical means to obtain such documentation during her temporary study abroad period, effectively withholding her earned wages. 

XXXXeem recently contacted me directly, demanding that to receive funds owed by my partner ( for shared rent expenses ), I must provide a written loan agreementa highly irregular, invasive, and legally ungrounded request.

Relevant Violations : Electronic Fund Transfer Act ( EFTA ) & Regulation E ( 12 C.F.R. 1005.3036 ) : Veem 's arbitrary and unattainable verification requirements constitute unfair, deceptive, and abusive practices, restricting lawful access to deposited and earned funds. 

Bank XXXX XXXX / XXXX XXXX XXXX ( XXXX C.F.R. XXXX ) : Veem explicitly violates federal requirements by rejecting valid passport documentation without a suitable manual verification alternative. 

Dodd-Frank Act, Title X ( 12 U.S.C. 5531 ) : Veem 's demands for irrelevant documentation ( loan agreements for personal transactions ) constitute unfair and abusive practices designed to unjustly retain consumer funds.

Civil Rights Act ( 42 U.S.C. 1981 ) : Veem systematically discriminates against non-U.S. citizens/residents by imposing unattainable verification standards, disproportionately impacting immigrants and foreign nationals.

Pennsylvania Money Transmitter Act ( 7 P.S. 6101 et seq. ) : Veem is operating contrary to their obligation to conduct business in a safe, honest, and equitable manner, unlawfully withholding legitimate funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
They are reporting debt that isnt mine but refuses to send a debt validation letter and my dad has passed away but some of his accounts are being reported as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-05 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: TX

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address 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 non-monetary relief
Consumer complaint received 2025-06-05 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:
XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of * Fraudulent Account -- -Account Number, Opened Date, and Balance * These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of * Fraudulent Account -- -Account Number, Opened Date, and Balance * These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a certified hardship assistance letter to Carrington. I received a direct confirmation from their representative on XX/XX/XXXX, and a notice on XX/XX/XXXX that my application was complete. 

On XX/XX/XXXX, Carrington abruptly canceled the forbearance, claiming I communicated that I no longer wished to participatethis is entirely false. I never withdrew, declined, or ignored any correspondence. No offer was sent to reject. 

Additionally, Carrington issued a mass notice to VA borrowers in XX/XX/year> regarding policy changes and encouraged contact with XXXX XXXX. I complied with this request. 

I have also received a formal VA delinquency notice from a loan technician, which shows that federal oversight is active on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
This company is violating my rights. They have not provided validation information under 12 CFR 1006.34. ( b ) ( 5 ) yet they have placed a collection on my consumer report. Its been over eight years. Please remove off my credit report.

I have made previous attempts with this company to remove this remark. They are violating my rights and I am entitled to {$1000.00} for each violation I listed they either pay me or delete this account ASAP.

Company response to consumer: Closed with explanation