vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
These insurance companies are wrong for forcing people on your policy in order to price gouge your rates. I was a policy holder for 3 years until XXXX decided to place people on my policy without my consent. I've repeatedly to tried and resolve my current issue with XXXX XXXX XXXX, they were constantly giving me the run-around regarding removing and backdating my policy after I TOLD them on numerous times that a family member DID NOT OR DO NOT live at my address. They've were placed on my policy REGARDLESS, I believe XXXX  Predatorily FORCED me to fill out a suspended/excluded driver form never removing them from my policy, they were asking for information I could not provide because I had already told them several times + they did not reside at my address. However, I was able too provide ( a copy ) of a school transcript to XXXX XXXX Underwriting Team. In Which, no one ever responded after receiving the document of PROOF ( I did have issues with getting the document before, BUT I was still able to provide the document to XXXX 's Underwriting Team ) I called numerous times to resolve my issue and spoke with over different several agent ( s ) who claimed I would be contacted, one agent mentioned I had to wait 30 days after receiving the document. To-date NO ONE has contacted me, I recently attempted in XX/XX/year> I was placed on hold ( as before ) with no one returning to the call ( except to stay still reviewing ) then my calls were disconnected and they NEVER attempted to call back after the fact. Because of my unresolved issue with XXXX XXXX XXXX XXXX underwriting team I decided NOT to renew my policy XXXX XXXX ( MY XXXX XXXX TERMS ENDED/EXPIRED/ IT DID NOT LAPSE ) XXXX received the last payment owed in XXXX XXXX XX/XX/year> was the month to renew which I didn't agree or sign, even when they kept trying to pressure me into signing the new renewal terms. They renewel rate was priced gouged because they placed people on my policy without my consent. They're now threatening & sent a debt I do not owe to a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was shocked and frustrated to find an unauthorized inquiry on my credit report this morning with no explanation. I double-checked by refreshing my browser, but the error remained, proving it wasnt a display issue. I need this handled immediately, and I insist on a full review of the documents Ive submitted so I can finally get peace of mind.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
XXXX of XXXX, Velocity Investments sent a process server on behalf of XXXX XXXX., to my apartment complex and misrepresented himself as a XXXX XXXX sheriff to the leasing staff. 
He continued to harass me every week until I blocked him because he never identified himself or the reason he was contacting me. This was embarrassing and caused me XXXX since I work for XXXX XXXX and the leasing office though I was being invested for criminal activity and it posed a risk of me losing my housing due to his aggressive and deceitful demeanor. 

I then was served by velocity investments via mail XX/XX/XXXX. They were suing me for {$2800.00}. I then sent an email to their attorney XXXX XXXX  XXXX  requesting arbitration on XX/XX/XXXX and they did not respond. I followed up via email with their attorney XX/XX/XXXX and XX/XX/XXXX and never received a response to my debt validation request or proposal for arbitration. The arbitration is stated in the agreement and they did not want to reconcile the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 

The following fraudulent accounts and inquiries have been identified as a result of this breach : DEPTEDXXXX - XXXX, DEPTEDXXXXT - XXXX, DEPTEDXXXX  - XXXX, DEPTEDXXXX - XXXX, DEPTEDXXXX XXXX XXXX, DEPTEDXXXX  - XXXX, DEPTEDXXXX  - XXXX, DEPTEDXXXX XXXX XXXX, DEPTEDXXXX  - XXXX, DEPTEDXXXX - XXXX, DEPTEDXXXX - XXXX, DEPTEDXXXX XXXX  XXXX, DEPTEDXXXX - XXXX, DEPTEDXXXXXXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX due to inaccurate and inconsistent reporting by Equifax and Experian. This account is being reported with conflicting information across the two bureaus, including discrepancies in the balance, last reported date, and payment history. Experian reports a balance of {$130000.00} while Equifax reports {$130000.00}. Experian shows the last reported date as XX/XX/XXXX and a last payment date of XX/XX/XXXX, while Equifax lists the last reported date as XX/XX/XXXX and does not report any last payment date. Additionally, Experian reports the date last active as XX/XX/XXXX, which is also missing from XXXX report. TransUnion does not report this account at all. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which requires that information be reported with maximum possible accuracy. 

I contacted the original creditor, XXXX XXXX, who could not verify the inconsistent payment history or provide accurate supporting documentation. The dispute letter is attached which is dated and time stamped. Under 15 U.S. Code 1681i ( 5 ) ( A ), if information is found to be inaccurate, incomplete, or can not be verified during a reinvestigation, the consumer reporting agency must delete or modify the information accordingly. Therefore, I am requesting that all late payments be removed from this account and the status be updated to paid as agreed never late. If verifiable documentation can not be provided within 15 days of investigation, I request that the inaccurate and unverifiable information be deleted in accordance with federal 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 2025-04-30 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: Block, Inc.
State: LA

Complaint narrative:
Unauthorized purchase from cash app in the amount of {$200.00} .. cash app refused to refund my money. 
This past month {$13.00} was transferred to a cash app patron, who no longer has access to the phone and phone number. I disputed, and called cash app several times asking them to refund the money but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I paid {$1000.00} to a XXXX XXXX XXXX under a contract that guaranteed a 50 % refund ( {$500.00} ) if the company failed to secure 75 % of the requested funds within 6 months. The company did not fulfill its obligations and refused to issue the refund. I filed a dispute with Capital One and provided a copy of the original 6-month contract. However, Capital One ruled in favor of the merchant, who submitted a different, unauthorized version of the contract stating a 12-month term. Based on this false documentation, Capital One reversed my {$500.00} credit, leaving my account in a negative balance right before a planned trip. I am seeking the reinstatement of the {$500.00} and a fair review based on the correct contract. 

CAPITAL ONE AND THIS MERCHANT KEEP REFRENCING A FALSIFIED DOCUMENT. THE AGREEMENT THEY ARE REFERENCING SAYS 12 MONTHS. I NEVER SIGNED A 12 MONTH AGREEMENT. I SIGNED A 6 MONTH AGREEMENT. THIS IS DISGUSTING HOW I'VE BEEN A CUSTOMER FOR YEARS WITH THIS BANK & I AS THE CONSUMER AM NOT BEING TAKEN SERIOUS. ADDITIONALLY, THE MERCHANT HAS DISSAPEARED AND NOT RESPONDED TO A SINGLE REQUEST FOR REFUND IN OVER A MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my credit report, I found multiple accounts that I did not authorize or open. These unauthorized accounts have been affecting my efforts to secure a home for my family. I kindly ask for the immediate removal of these fraudulent accounts from my credit 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I checked my credit report this morning, I found some incorrect entries that I can not explain. This isnt the first time Ive reviewed my report, but these discrepancies suddenly showed up. I attempted to reload the page to rule out a temporary issue, but nothing changed. Thats why Im asking for a detailed review of the documents I submitted to help ensure this issue doesnt come back.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX , XXXX XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education . 
Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo accepted a {$4800.00} check I deposited from a supposed new employer ( XXXX XXXX ) on XX/XX/XXXX. The next day I called to confirm the check was valid and if there was any reason it could be returned once available and they confirmed it was valid and there was no concern. The company that I thought had hired me as a remote worker advised they would send me a check to fund the equipment and software I needed to start my training. Once I thought the check was valid they proceeded to request that I wire and XXXX funds to a person with the software company and to also get an XXXX and XXXX to start my training. They advised me that the company used to do the purchases themselves but found it quicker and less expensive if I did it instead. On XX/XX/XXXX my bank listed the deposited check as pending return. I immediately called them and they advised it was a fraudulent check. I then asked to file a report to get the wired funds ( {$3500.00} + {$25.00} fee ) and two XXXX transfers ( XXXX {$500.00} each ) back. I told them that I would of never proceeded with these transfers if I knew the check was not valid and that I had talked to a Wells Fargo representative on XX/XX/XXXX that confirmed it was valid. This was supposedly a recorded call. They filled the reports. On XX/XX/XXXX the {$4800.00} check was listed as returned and my checking account was drained of all funds. I called them and they advised they could not get the money back and the check could still be returned within 7 days. I advised them that if I was told that originally on XX/XX/XXXX I would of never proceeded with the transfers. They said there was nothing they could do and did not acknowledge that they were also at fault for not advising me this originally on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I attempted to use my Citi XXXX XXXX XXXX card at a XXXX self-checkout on or around XX/XX/2025, only to find that the transaction was declined. I immediately checked my Citi mobile app and saw that the account had been closed, with no prior notice or explanation provided. I had received no letter, email, app notification, or phone call informing me of the closure. 

I called Citi customer service on the same day and was told that my account had been closed due to poor performance stemming from returned payments over the past 12 months. I was also told that the account is not eligible for reinstatement and that I should expect a mailed letter in 57 business days. 

I want to stress that I have never missed a payment or been delinquent on this account. The returned payments were the result of me switching banks multiple times over the past year and Citis auto-pay system not pulling from the correct account. Each time a payment failed, I promptly resolved the issue. 

Ive had this account for several years, have spent thousands of dollars on it, and rely on it for the XXXX rewards program. Citis decision to close my account without any warning or opportunity to fix the issue has caused me significant inconvenience and financial disruption. 

I am requesting that Citi review this closure and provide a detailed explanation for why no notice was given and why the account is not eligible for reinstatement despite good payment history and customer loyalty.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief