vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I am complaining about the Pennsylvania employees benefit trust fund, also known as XXXX  and the XXXX of Pennsylvania. I submitted notification of retirement to the XXXX of XXXX  and directly to my supervisor XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. I submitted this notification on XX/XX/year>, notifying the XXXX and XXXX XXXX that my last date of employment will be XX/XX/year>. I started a new employment with the federal government XX/XX/year> which is when my new benefits XXXX XXXX XXXX XXXX operating under the office of personnel had commenced. When I went to XXXX pharmacy to fill my medication they verified that they saw that my XXXX XXXX XXXX XXXX XXXX was active and that they were XXXX against it. I told them not to bill the XXXX information and to take it out. However, because the XXXX and the XXXX failed to remove my benefit coverage, it automatically stuck in XXXX system therefore they built against the primary insurance at the time which was XXXX since that was the first insurance that was established. Ive tried to make this right with XXXX  and they refused. They even tried to make me Pay {$780.00} for cobra coverage that I didnt need because I notified them in a timely fashion that I was leaving the XXXX. If the XXXX and XXXX have done their full duty by terminating all my rights as an employee in the timely fashion then the insurance wouldnt have built in the first place. There is no way I can make a pharmacy bill someone and its unfair that theyre treating me like a criminal like I scammed and tried to get over on this benefit. I even submitted a claim against my own insurance company and they will pay for it but they only gave me {$20.00}. Also, since XXXX XXXX XXXX properly submit a manual claim to get this medical paid through my current employer insurance company XXXX shouldnt be responsible for this debt. This is clearly their clerical error and I should not be responsible for it. I also reached out to their former creditor over XXXX months ago to try to get this settled and I never got a response. The only response I got was for {$2200.00} bill Sent by another creditor from XXXX. The new creditor is named commercial acceptance company and they are operating out of XXXX XXXX, Pennsylvania. And they are refusing to work with me. They are not accepting any payment plans and they only want this {$2200.00}. I clearly do not have that. The cost of food is going up. I may not have a job due to the current administration efficiency policies and I may lose my home. I did not incur this debt honest to XXXX I did not incur this and this is unfair. I can not afford to pay this at all and the way they were going about it, trying to make me responsible. It doesnt seem legal to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XX/XX/year> Account Information : Creditor Name : CKS PRIME INVESTMENTS LLC Account Number : XXXX Amount : {$1900.00} Subject : Request for Debt Validation under FDCPA Dear XXXX XXXX I am writing in response to a notice I received from your office regarding an alleged debt ( Account No : [ Insert Account Number, if known ] ). This letter is not a refusal to pay, but a request that you provide full validation and verification of the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : XXXX. The amount of the alleged debt ; XXXX. The name of the original creditor ; XXXX. A copy of the original contract or agreement bearing my signature or any agreement that you believe makes me liable for this debt ; XXXX. A complete payment history showing how the alleged amount was calculated ; XXXX. Verification that you are legally authorized to collect on this debt in the State of New York ; XXXX. The name and address of the current creditor if different from the original ; XXXX. A copy of your license to collect debts in New York. 

Under the FDCPA, you are required to cease collection activity until you provide proper validation of this debt. Reporting this debt to the credit bureaus without validating it may be a violation of federal law. 

Please note that I am requesting this debt be removed from my credit report until proper validation is completed. This request is being made pursuant to my rights under the FDCPA, and any failure to respond accordingly will be documented and reported to the appropriate authorities. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I erroneously purchased what turns out to be a product that violates XXXX terms of service from the merchant XXXX on XX/XX/year>. It is access to a XXXX account which turns out could get my actual account banned for using. Within XXXX hour of purchase, I reached out to the merchant asking for a refund as I realized this was an unusable item which is also legally gray. Upon my request, XXXX, the merchant, closed my account and banned me from the website, preventing me access to what Id purchased even if I wanted to use it. I opened XXXX disputes with my Apple Card and provided all documentation Ive included below, and they refuse to understand that this is a product that shouldnt even be listed that I was not able to access.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-31 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: TX

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request. 

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report. 

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent. 

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : ( 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 2025-05-31 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: TN

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account 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

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 2025-05-31 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting XXXX XXXX  accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-31 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year>

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am in disagreement with the account listed below, which still appears on my credit report even after a previous investigation. I am formally requesting that this item be immediately re-investigated. The account status indicates it was charged off and closed on XX/XX/XXXX, yet it continues to show late payments and derogatory activity into XXXX, and is still reporting a balance as of XX/XX/XXXX. This type of reporting is highly injurious to my credit profile. 



Account Information : Creditor : XXXX XXXX, XXXX Account Status : Charged Off Account Type : Charge Account Date Closed : XX/XX/XXXX Date Last Reported : XX/XX/XXXX Balance : {$160.00} Past Due Amount : {$120.00} Identified Inaccuracies : 1. Post-Charge-Off Late Payments Late payments are reported in early XXXX, even though the account was closed and charged off as of XX/XX/XXXX. This is inaccurate and creates the appearance of ongoing delinquency on an inactive account. 
2. Account Reporting After Closure Date The account was last reported on XX/XX/XXXX, over a year after the official closure date. This may indicate improper updates or re-aging. 
3. Past Due Balance After Charge-Off A past due amount of {$120.00} is still listed, despite the account being charged off. This is potentially double jeopardy and misleading.

4. Incomplete Payment History The payment history shows only 52 % of payments made on time, but includes many unknown months. Incomplete or inaccurate data should not be used to penalize the consumer. 
5. Missing Terms The minimum monthly payment field is blank, which could be a reporting violation under Metro2 guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
At XXXX an unknown person ( XXXX XXXX ) accessed my cash app account and changed email, changed phone number, changed cash app card pin. I immediately contacted cash app customer support to report this unauthorized transaction. The Representative stated that an investigation would be started and would take 10 days. The representative removed the fraudulent account credentials so that it couldn't be accessed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/year>, TransUnion reported a {$210.00} collection account to my credit report. However, this debt was paid in full on XX/XX/year>, and I have attached a copy of the receipt as proof of payment. 

This account should not have been reported as delinquent or in collections after it had already been resolved. TransUnions reporting is inaccurate and damaging to my credit standing. 

I tried to file a dispute with TransUnion on XX/XX/year>, but their online portal will not allow me to submit a new dispute related to this issue because it says I have active requests. When I log in to " previous requests, '' it's showing that nothing is active, ( although I do have an open request completely separate from this issue. ) I am requesting that TransUnion remove this {$210.00} account from my credit report immediately, as it was paid prior to the date of reporting. Reporting a paid debt as unpaid or derogatory is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to report accurate and up-to-date information.

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 2025-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Who is the Agent who offered these loans and what location did these signing take place.What was the balance of current loan before modification to {$190000.00} in 2013

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
On April 1 I challenged the validity of this collection account on my report because I have never been given and contractual terms from This company and therefore dont ow this company anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received a letter from Citi Bank regarding my Citi AAdvantage CC that states : " Your APR for purchases are below the APR ( s ) we offer consumers with the same credit score wo apply for the same or a similar card product today. as a result we are increasing your APR ( s ). 

The letter also states my credit score as of XX/XX/year>XXXX  is XXXX. Checking it this morning, it has risen to XXXX. 

I have never had a late payment with Citi Bank or any other creditor. I pay my balance in full with Citi Bank every month. I also have another credit card with Citibank that I have maintained in perfect credit order for years and that the rate has not been increased. Additionally Citi Bank granted me an increased line of credit on this card in the past year. 

All of my other creditors, including ones where I currently have a credit balance have not adjusted my interest rate. I have an over 30 year credit history of consistently excellent credit. 

I am being selected against and having a punitive interest rate of 29.24 % without cause or any credit mis-step on my part. The purpose of maintaining an excellent credit score is to garner a favorable interest rate on money loaned. It demonstrates your responsibility and credit-worthiness. What is the point of maintaining an excellent credit score if a creditor can arbitrarily increase your interest rate to the maximum legal limit.

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