vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
This complaint is not about the debt collector itself. The problem is with XXXX XXXX XXXX ( XXXX ), my health insurance company, whose failure to honor a covered claim created a wrongful debt that was then sent to collections. 

On XX/XX/year>, I visited XXXX XXXX ( XXXX in XXXX  ) . The bill was {$400.00} and, according to my XXXX health insurance policy, this type of doctor visit was advertised and promised as fully covered. The provider submitted the claim multiple times, but XXXX consistently refused to pay, claiming they can not locate the claim. The provider has confirmed in writing that the claim was submitted many times. 

Over the past XXXX years, I have contacted XXXX repeatedly, but I only receive generic responses and no resolution. As a result of IMGs refusal to honor valid covered claims, the bill was sent to a debt collection agency and I am now being harassed for payment of a debt that should not exist. This has caused me financial stress, repeated collection calls, and potential harm to my credit history. 

I filed a complaint with the XXXX  Department of Insurance ( XXXX # XXXX ). They told me they could not take action because IMGs plan falls outside of their jurisdiction and referred me to the U.S. Department of Labor ( EBSA ). EBSA also informed me that they could not take my case because I am not employed through XXXX. 

This means I have been left without any regulator willing to intervene, despite the fact that XXXX marketed and sold this policy directly to me as a student. IMGs practices show a pattern : this {$400.00} claim is not the only XXXX they have denied ; other valid claims under the policy have also been refused with different excuses. 

As a student without stable income, being held responsible for wrongful medical debts has caused severe hardship. XXXX is avoiding accountability by exploiting regulatory loopholes, leaving me with debts that should be covered. Their actions are unfair, deceptive, and harmful to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: AC AutoPay LLC, Denver, CO Branch
State: MS

Complaint narrative:
Received letter from Autopay stating we were pre-qualified to refinance our auto loan and save $ XXXX. My husband called in response and talked to an agent thinking this was a legitimate offer. We specifically asked if this would cause a hard inquiry on our credit report and the agent told us " NO. '' Checking my credit score a few weeks later, I noticed several hard inquiries on my credit report. XXXX being XXXX XXXX XXXX and XXXX. We have never delt with/contacted either of these companies. I called Transunion also to report our concern, and they told me I had to contact the FTC, get a form and submit a formal complaint. Autopay was contacted first and got no help whatsoever. I feel Autopay should not share any information with XXXX parties without our consent. Their agents need to be honest and not deceive consumers just to get their business. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: 21ST MORTGAGE CORP.
State: MN

Complaint narrative:
I submitted a Qualified Written Request / Notice of Error under RESPA ( 12 C.F.R. 1024.351024.36 ) to 21st Mortgage concerning Loan # XXXX for property located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My request sought documentation and clarification regarding ( XXXX ) any filings with XXXX Driver & Vehicle Services ( DVS ) to surrender or transfer the manufactured home title, ( XXXX ) reconciliation of inconsistent collateral descriptions ( Bill of Sale reflects home only while the mortgage and appraisal list land + home ), ( XXXX ) appraisal work file and supporting records, and ( XXXX ) servicing notes or records related to affixation and title handling. 

Instead of providing this information, 21st Mortgage explicitly denied treating my letter as a Qualified Written Request/Notice of Error, as confirmed by their Associate General Counsel in writing : the letter will not be treated as RFI/NOE. Please proceed as you see fit. This is a direct violation of RESPA/Reg X obligations, as a borrowers properly submitted QWR/NOE can not be disregarded at the servicers discretion.

The company has also continued reporting adverse credit despite the active dispute. This conduct constitutes a violation of RESPA/Reg X timelines, wrongful denial of a QWR/NOE, misrepresentation of collateral, and potential appraisal independence issues. 

I request that CFPB require 21st Mortgage to : ( a ) properly recognize and respond to my QWR/NOE, ( b ) provide the full set of requested records, ( c ) correct servicing and collateral discrepancies, and ( d ) cease furnishing adverse credit information during the dispute period as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 XXXX XXXXXXXX and XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other 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 ) 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. Accounts need to be removed from 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 2025-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
I submitted my XXXX XXXX XXXX XXXXXXXX ( XXXX  ) discharge application on XX/XX/year>, and was told by Federal Student Aid that a decision would be made within 45 days. It has now been 64 days with no decision or update beyond application under review. 

During this time, FSA failed to notify XXXX of my XXXX  application or intent to apply, so XXXX continued charging interest and reporting my account as if it were active. My balance increased by {$180.00} last month, and my credit score dropped XXXX points, causing me to lose mortgage approval. 

I have emailed FSA six times, called multiple times, and even requested supervisors but I only receive automated replies or vague assurances. No one has confirmed when my interest will be stopped or when negative credit reporting will be corrected. 

On XX/XX/year>, Congresswoman XXXX XXXX ( XXXX ) initiated a congressional inquiry with the Department of Education on my behalf, yet the issue remains unresolved. 

I am requesting that my XXXX  discharge be processed immediately, accrued interest reversed, forbearance applied retroactively to XX/XX/year>, and my credit report corrected to remove the damage caused by this delay. This failure to act is financially harming me and risk. 

Thank you XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Cards/Citibank Charged off but showing closed at creditors request multiple times. 

Balance history inconsistent : same balance repeated with {$0.00} paid since XXXX. 

Violations of FCRA 1681e ( b ) ( accuracy ), FDCPA 807 ( misleading representation ). 

XXXX violations.

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 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, Client Services , Inc. ( CSI ) formally responded to the CFPB stating that : CSI does not purchase delinquent debt, CSI does not furnish to the credit bureaus, CSI had forwarded my debt validation request to the original creditor ( XXXX Bank ). 

This response was an implicit admission that CSI could not validate the alleged account and had no ownership or legal standing to pursue collection. 

However, on XX/XX/year>, I received a new letter from CSI ( XXXX XXXX. XXXX ) which included a single account statement from XXXX Bank and a clear disclaimer : This communication is from a debt collector. This is an attempt to collect a debt. 

This is contradictory, deceptive, and unlawful. An account statement generated by the creditor does not constitute proper debt validation under FDCPA 1692g ( b ). CSI has again attempted to collect on an account they already admitted they can not validate, without providing : A signed contract or agreement, Chain of title or proof of assignment, A full itemized accounting of the alleged debt, Proof of legal right to collect. 

Why This Is Unlawful FDCPA ( 15 U.S.C. 1692g ( b ) ) continuing collection activity without providing proper validation. 

FCCPA ( Fla. Stat. 559.72 ( 9 ) ) attempting to enforce a debt not legitimate or not supported by documentation.

FCRA 623 ( a ) ( 1 ) by implication, they are furnishing or supporting the furnishing of inaccurate information to bureaus through XXXX. 

Deceptive conduct : They told the CFPB XXXX thing ( that they do not own or validate ), but then acted differently by reinitiating collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Today I received a notification from my credit bureau. That stated I had a new credit transaction on my credit report so I contacted chime and ask them to close the credit builder account because I didnt have any knowledge of it. I didnt know I made a credit builder account. I did that on accident but I knowingly had a checking account with them. I used my checking account often. I placed thousands of dollars in my checking account. I had {$3200.00} left on my checking account and they closed my account because I tried to close my credit account With them. Then I asked the representatives could they let me know why my account was closed and they told me they could not give me any knowledge of why it was being closed. They said it was against their security policy to let me know why it was closed when I know that I called them earlier this morning And told them that I didnt want a credit account that was it not telling them to close checking account at all so for a while each representative gave me the runaround about why they couldnt send me a check with my check back for my refund. All I wanted to know was if I cant get my money where is my money going and why I cant have my money. Neither representative had an answer for me. I just want my hard earned money back. Could you please please help me get my money back?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
My bank account for the XXXX time was hit with fraud. This time I asked to have to account closed and open a new XXXX then transfer any remaining funds to new account I was told that not only do they not have XXXX  verification services set-up or anything for persons with XXXX that they can not close my account without all transactions have come through I explained those transactions might be fraudulent lets minimize the damage and close the account and transfer funds. I was told cant do that. I asked to get the refusal in writing, to speak with a manager, and the Disibility compliance officer. Ive yet to speak with either and Im blocked from any of my remaining funds. As of today I was told I would still have to physically come in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Provided management at the time, my XXXX and asked for my ledger to apply for a unit elsewhere. The manager emailed me my ledger took my keys and said good luck. I find out almost a year later that this property placed me under eviction and put a large balance on my credit report. I was no longer a resident after XXXX of XXXX, I moved into my new place and that lease started XXXX of XXXX. I reached out several times I called corporate they requested my new lease and told me they would remove the debt from my credit report. Months later and I am still in limbo with the property manager the regional told me theyre too busy to deal with my concern. The property manager keeps telling me she will get back to me. I havent received any follow up or anything. This debt was placed on my credit maliciously and with intent to hinder me and my family. My daughter moved out before me in XXXX I provided them with her lease as well. My other daughter however they XXXX rained her information she never lived there due to incarceration since XXXX but they placed the balance on her credit report also. 
This is the first time Ive ever had to deal with this type of problem. This same property would keep my rent payments and say they never got them and then when I call the police my payments appeared. Its so I just to be treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
After making a purchase at Best Buy XXXX XXXX XXXX, and seeing my old cell phone number attached to my Best Buy credit card and points account XX/XX/XXXX ; I called customer service, and spoke to XXXX and her supervisor XXXX. XXXX asked for the CVV number of the card which I thought was very odd. Her explanation was : I needed to prove I had the card on hand. During that conversation, I requested amendments towards my address and cell phone number, along with a new card and account number. While I received a new Best Buy credit card earlier this XX/XX/XXXX, upon review of my account ; both online and via statements, my address and phone number has not been corrected. My mother and I have been subjected to identity theft and fraud, where our address has been listed as a private house or single unit. 
My previous Best Buy credit card that was used towards a fraudulent merchant XXXX XX/XX/XXXX, which I did report to Best Buy and the police. While I was not given a police report regarding the charge, I did obtain a report regarding my Wi-Fi being hacked, and experiencing fraud towards our cellphone. 
As of XX/XX/XXXX and XX/XX/XXXX, I made a purchase at the Best Buy location on XXXX XXXX and on my bank statement the transaction appears as an " In-Home Golf '' transaction.

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 2025-09-24 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: MI

Complaint narrative:
My information has been exposed to the XXXX  data breach. There has been several debt collectors contacting me and harassing me. FCRA 605B states that this information should be BLOCKED while the FTC investigates.

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 2025-09-24 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: NY

Complaint narrative:
To Whom it may concern. I notice some inaccurate information on my credit report. I take my credit history seriously and it is imperatitve that this information be reported with utmost accuracy. I have never missed a payment on the following account. XXXX  XXXX XXXX Account # XXXX. This account is now close yet it is reporting in accurate information. Please look into this matter with a full investigation. Please show proof of any late payments for which there should be none because I made all of my payments on time.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I began calling Cap One on XX/XX/year> because I attempted to log in to the app to make a payment, and received an error message stating that my accounts couldnt be verified and that I needed to call to customer service. 

Ive now called XXXX, each person has suggested a different resolution, none have worked. Im now locked out of all accounts, accounts were reported as delinquent to the credit bureau, and Capital One has not responded. I was also reported to the fraud department. I sent a copy of my drivers license, marriage license and a letter to verify my identity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im disputing the way my case was handled because its clear that my evidence was not properly considered. I submitted documents and details showing the account being reported is inaccurate, but instead of reviewing what I sent, you relied only on the furnishers response. That is not what the law allows. Under 15 U.S. Code 1681i ( 4 ), you are required to fully review and consider the information I provide when I dispute an account.

By ignoring my documentation, you are not only violating federal law, but youre also allowing false information to remain on my credit report. This has already harmed me by lowering my credit score and creating unnecessary obstacles with my financial opportunities.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must include only information that is accurate, complete, and verifiable. I am requesting a verification of these entries, and if they can not be verified, they should be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased an animal petting session for my kids. At no point during the purchase process was it disclosed that this is a non-refundable purchase. I attempted to cancel the the service and the merchant wouldn't refund my purchase. 

I filed a dispute with Citi credit card billing department and after some time, they just decided in favor of merchant without even hearing my side of the story. I tried E-mailing and calling the multiple times, to no avail.

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