vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I bought XXXX XXXXXXXX XXXX XXXX and paid the bill of {$130.00} in XX/XX/year> for the first month. Everything was fine. Then I called before the end of XX/XX/year> to cancel the policy because I found a better price for the same coverage. The XXXX XXXX agent who cancelled the policy prior to XX/XX/XXXX said I would receive a bill for {$59.00} for the cancellation. That was it. Nothing else mentioned. Then XX/XX/year> I got a bill for {$490.00}! {$59.00} for the policy change, Charge for a new premium of {$800.00}, credit for my payment of {$130.00} and a {$720.00} Cancellation Credit. THEN under " adjustment activity '' there is a charge that has NOTHING to do with this policy!!! A " Transferred Balance '' of {$490.00}. For what??? No explanation. From when??? No explanation. 

Hours on the phone with XXXX XXXX yielded nothing. They sent it to a Collection Agency, Credit Collection Services XXXX XXXX, XXXX. 
They have the same inexplicable bill I have. And are calling it proof. The put the collection on my credit report and it dropped XXXX points!!!! 

What is this crazy bill!!! $ I have never heard or seen a balance of {$490.00} from XXXX XXXX previously. No idea what it is for or from when. No one will help or tell me but very happily and easily destroyed my credit.

PS : Insurance companies cancel you if you don't pay! What kind of bill gets up to {$490.00} and then goes away? None of it makes any sense! No one has any information but are adamant I owe this money. This is very damaging!!!! Wrong and Unfair!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX  Inquired on XX/XX/year> PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : Dept Of Ed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: MA

Complaint narrative:
Credit Corp Solutions is inaccurately reporting a collection account on my credit reports.

On XXXX, they are reporting a balance of {$690.00}, but on XXXX, they are reporting {$450.00} for the same account.

They have also re-aged the account. The original delinquency occurred in XXXX, but Credit Corp is reporting a much more recent opened date, which is not accurate.

I requested validation of this debt, including proof of ownership/assignment, original agreement, and the correct Date of First Delinquency, but they have not provided this information.

This inaccurate and misleading reporting violates FCRA 623 ( a ) ( 5 ) ( accurate reporting of the DOFD ) and creates false credit reporting. I request that this tradeline be corrected to
reflect the true original delinquency date or deleted entirely if the company can not substantiate it.

Supporting documents, including credit report screenshots and dispute letters, are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding improper billing and collection practices following a total loss accident. 

On XX/XX/year> I was in a car accident, and my vehicle was declared a total loss. 
After the accident, I contacted XXXX to cancel my insurance policy, as the vehicle was no longer operable or insurable. 
I was informed that the policy would be cancelled following the total loss. 
Despite this, XXXX has continued to bill me for coverage after the cancellation request and/or has referred the account to collections. 
I dispute this debt as invalid and believe XXXX failed to process the cancellation properly. 

1.Billing for insurance on a totaled vehicle after a cancellation request is improper. 
2.XXXX has failed to provide documentation supporting the alleged debt. 
3.These actions may violate state insurance regulations and consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this formal complaint against Equifax for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Equifax has failed to remove or block fraudulent accounts from my credit file as required by law. The accounts in question include XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which the banks confirmed would be deleted but remains on my report. All of these accounts are the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. Equifaxs refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting accounts without proper notice. These failures have caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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:
My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-08-27 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: TX

Complaint narrative:
I have received a copy of my credit report, and there are late payments that are being recorded which are inaccurate.My name and address are wrong, and I want only my legal name and one address reporting on my credit report. ATTENTION DISPUTE DEPARTMENT I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong in my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX 5. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT.

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all
other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day
timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 
Sincerely, 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have received a copy of my credit report, and there are late payments that are being recorded which are inaccurate.My name and address are wrong, and I want only my legal name and one address reporting on my credit report. ATTENTION DISPUTE DEPARTMENT I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong in my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX 5. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT.

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all
other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day
timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: TomoCredit Inc.
State: GA

Complaint narrative:
Issue : Credit card company holding funds/ not disbursing refund What happened : On XX/XX/year>2023, my insurance company, XXXX, issued a {$3000.00} refund to my Tomo Credit account. At the time, my account was suspended ( and remains suspended ). Despite this, Tomo Credit accepted the refund into the account but has failed to disburse or release the funds to me.

In my original CFPB complaint # XXXX, Tomo Credit responded that my request has been processed, but provided no proof that I received the {$3000.00} refund. I never received the funds.

Problem with the prior CFPB case : The CFPB complaint was closed prematurely after Tomo Credits vague response, before I was able to file a rebuttal. Their statement did not resolve my issue, nor did it include evidence of payment. The funds remain missing.

Attempts to resolve directly : I have emailed and called Tomo Credit multiple times no responses.

They do not answer their phone lines.

I mailed a formal demand letter via certified mail to TomoCredit , Inc., XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. I have proof of delivery. 

I filed with the XXXX  no response from Tomo Credit. 

Supporting documents attached : Proof of {$3000.00} refund from my insurance company.

Copy of my demand letter.

Certified mail receipt and proof of delivery.

Tomo Credits vague CFPB response stating only that my request has been processed.

Resolution sought : I request that Tomo Credit be required to : Provide verifiable proof of disbursement of the {$3000.00} refund.

If no disbursement was made, immediately release or reimburse the {$3000.00} refund to me.

Provide a written explanation for withholding these funds.

Company information : TomoCredit , Inc. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Website : XXXX : XXXX Consumer location : XXXXXXXX XXXX Amount in dispute : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
Applied for mortgage loan told credit score was XXXX ask for a pre-approval letter or why told could qualify for XXXX with XXXX credit been weeks haven't received any thing

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one venture credit card Product/Service : Credit card / Rewards program ( points, miles ) What happened : The company closed my loyalty/rewards account without providing any explanation. Their representatives refuse to share details about the closure. Before the closure, I also struggled for months to log into my linked bank account, which added further difficulty in managing my rewards.

As a result, I lost more than XXXX points that I had lawfully earned. The company took away my points against my consent, without providing a valid reason or any opportunity to resolve the issue.

What I want : I am requesting the full reinstatement of my rewards points ( over XXXX ) or equivalent monetary compensation, as well as a clear explanation from the company regarding why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
Account Number : XXXX Dear

Sequiium Asset Solutions, I am writing in response to the above-referenced account, which you have erroneously reported to my credit files. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., and applicable Pennsylvania consumer protection statutes, I hereby formally dispute and unequivocally refuse to pay this alleged debt. First and foremost, you failed to provide any prior notification of this alleged debt before placing it on my consumer credit report, thereby violating my rights as stipulated under 15 U.S.C. 1692g ( a ). This violation alone is grounds for immediate removal of this account from my credit report. Additionally, under both federal and Pennsylvania consumer protection laws, including but not limited to Pennsylvanias Fair Credit Extension Uniformity Act ( FCEUA ) and Unfair Trade Practices and Consumer Protection Law ( UTPCPL ), I am entitled to a full and complete validation of this alleged debt. Therefore, I demand that you provide the following documentation within the statutory period : The original signed contract or agreement bearing my signature, verifying my obligation to pay the alleged debt. Complete chain of assignment clearly identifying your authority and standing to collect th is alleged debt. The full purchase and sales agreement documenting the transfer of this account from the original creditor, XXXX XXXX, to Sequiium Asset Solutions.


Be advised that a mere billing statement or printout from your internal records is insufficient proof under federal and state laws. Without the requested validation documentation, any further attempts at collection or continued reporting of this alleged debt to any credit reporting agency will be deemed as willful violations of the FDCPA and FCRA. Given these violations, I demand that you immediately cease all collection activities, promptly delete this account from all consumer credit reporting agencies to which you have reported, and provide written confirmation of such deletions. Failure to comply with this request within thirty ( 30 ) days from the receipt of this letter will result in my pursuit of all available legal remedies, including filing complaints with the Federal Trade Commission ( FTC ), Pennsylvania Attorney General, and potential civil action to enforce my rights. This communication serves as formal notice. Govern yourselves accordingly. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information on my credit report as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

Company response to consumer: Closed with non-monetary relief