vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I am disputing an alleged debt that was purportedly purchased by XXXX XXXX, XXXX and assigned to XXXX XXXX XXXX XXXX XXXX for collection and legal action. No valid, verifiable contract exists between me and Velocity. Despite lawful demands, they have failed to validate the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), UCC 3-501, and Florida Statute XXXX. 

I sent a formal notice of arbitration, debt dispute, revocation of Power of Attorney, and demand for validation on XX/XX/year>, which was lawfully served and remains unrebutted. Under UCC 1-202 and 3-505, this constitutes a default and tacit acquiescence.

In response to my initial CFPB complaint, the company misrepresented facts by claiming I never submitted arbitration or dispute notices, despite certified proof of delivery and preserved records. They also claimed they are not required to provide the original signed contractthis is a direct violation of 15 U.S.C. 1692g ( b ) and UCC validation requirements.

Furthermore, the trust property and name they are attempting to collect againststyled in ALL XXXX copyrighted property of the XXXX XXXX XXXX and any unauthorized commercial use constitutes misrepresentation, fraud, and identity theft. 

This is a constructive fraud, a violation of consumer protection law, and breach of fiduciary duty by the alleged debt buyer and its legal agents. 
See attached proof of arbitration, tracking number proof of delivery and return receipt sign by velocity email to attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
My cousin utilized my name and credit info to open up some accounts that are not mine. He did this because he didnt have the ability to open them on his own, but I never gave him permission to open these. I want these taken from my credit because they are not mine. My cousin has returned to XXXX and I cant reach him, please get this resolved and removed asap as they are not my accounts. Thank you for you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I am disputing an alleged debt that was purportedly purchased by Velocity Investments , LLC and assigned to XXXX XXXX XXXX XXXX XXXX for collection and legal action. No valid, verifiable contract exists between me and Velocity. Despite lawful demands, they have failed to validate the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), UCC 3-501, and Florida Statute XXXX. 

I sent a formal notice of arbitration, debt dispute, revocation of XXXX of Attorney, and demand for validation on XX/XX/year>, which was lawfully served and remains unrebutted. Under UCC 1-202 and 3-505, this constitutes a default and tacit acquiescence.

In response to my initial CFPB complaint, the company misrepresented facts by claiming I never submitted arbitration or dispute notices, despite certified proof of delivery and preserved records. They also claimed they are not required to provide the original signed contractthis is a direct violation of 15 U.S.C. 1692g ( b ) and UCC validation requirements.

Furthermore, the trust property and name they are attempting to collect againststyled in ALL XXXX copyrighted property of the XXXX XXXX XXXX and any unauthorized commercial use constitutes misrepresentation, fraud, and identity theft. 

This is a constructive fraud, a violation of consumer protection law, and breach of fiduciary duty by the alleged debt buyer and its legal agents. 
See attached proof of arbitration, tracking number proof of delivery and return receipt sign by velocity email to attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
What Happened ( Summary Statement for Complaint or Follow-Up ) : On XX/XX/year>, I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against Equifax for inaccurate and unverifiable information being reported on my credit file. 

On XX/XX/year>, the company acknowledged the complaint and stated they were working on the issue. 

Then, on XX/XX/year>, I received a physical letter from the company stating that they had verified all disputed information without providing any documentation or explanation of the verification process, in direct violation of 15 U.S.C. 1681i ( a ) ( 7 ) which requires them to disclose the method of verification. 

Subsequently, they responded via the CFPB portal that they were unable to respond due to lack of information. This is both misleading and contradictory, as they previously claimed to have verified the information and had mailed me a letter stating such. 

Their responses are inconsistent and do not comply with federal consumer protection laws. They are failing to verify the disputed information, refusing to provide evidence, and continuing to report data that is inaccurate, unverifiable, and harmful to my credit profile. This is willful noncompliance with the Fair Credit Reporting Act and should result in the immediate deletion of all disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MS

Complaint narrative:
Cashapp closed my account due to fraud.I strongly believe this is an error.I called them they was no help at all.I cant even open a cashapp account without a few weeks telling me its fraud.Help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I am trying to refinance my loan currently help by Nissan Financial Services. When I requested a payoff letter on XX/XX/year> I was told that they could not produce it because of system issues. I subsequently made an {$8000.00} principle only payment which they credited to my account twice. They now can not provide the loan payoff letter because they are unable to calculate the payoff amount due to the payment error. I have made numerous calls and keep being told that it will take a couple of days to fix the payment issue. When I spoke with their escalation department today XX/XX/year>, I was told there was no way of knowing when the issue would be fixed and I would just need to keep checking. This has been going on for over two weeks, I have made numerous calls and spent hours on the phone. I now have a payment due which I do not wish to make because I want to refinance the loan, and I am not confident that they could process my payment correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MI

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MI

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 2025-06-16 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
Last year, I requested XXXX  XXXX  cards from XXXX with the intention of switching our mobile service from XXXX XXXX  XXXX XXXX However, before we received or activated the XXXX  cards, XXXX-XXXX  began charging us for XXXX  linesa detail that was not communicated or disclosed at any point during the process.

We never activated any of the XXXX  cards. Upon noticing the unexpected charges, we visited a XXXXXXXX  store, as we had not yet created an online account. A store associate assured us that, since the XXXX  cards had never been activated, the charges would be refunded.

Despite this assurance, we continued to incur charges. I contacted XXXX customer service many times and eventually had our payment information removed from the account to prevent further automatic billing. Soon afterward, we received our first paper bill in the mail, stating a balance due of XXXX XXXXXXXXthis was for an account that had already been closed for several months.

We disputed the charges, but the issue was not resolved, and the bill was subsequently sent to collections. We now have a {$570.00} collection account with XXXX even though we have never used their service, activated any XXXX  cards, or created an online account.

This account should have been closed long ago, and no charges should have been applied. We were under the impression that a refund was being processed, and we are seeking a resolution to clear this erroneous balance from collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX, Mr. Cooper ( the name of the mortgage company ) they sent me documents pertaining to not having insurance and were going to close my insurance account and force me to have XXXX with them that would cost more and be less coverage, I inquired as to how I didn't have insurance seeing as they held my escrow and made the payment already XXXX weeks before they sent me the letter. They replied with '' well It shows there was a lapse in coverage '' saying I didn't have coverage from XXXX to XXXX, which I found off considering I not only didn't own the property itself until XXXX but the coverage was from XX/XX/XXXX to XX/XX/XXXX, they tried to pull some well it says here XXXX so it's XXXX, however I didn't even own the house then... We do a XXXX way call with the insurance company XXXX XXXX  and they agreed with me, Mr. Cooper apologized then said they " fixed it '' I don't trust them so I close my escrow account with them and will handle it myself, they said it'll be closed XX/XX/XXXX XXXX days before the payment is due. I wait until XX/XX/XXXX to check the website to see if they reflected my new payment and it still shows my escrow account, I chatted with an agent of Mr. Cooper by the name of XXXX, he stated that they were sorry, however even though the account was closed I still needed to pay them the escrow amount. I asked why if the escrow is closed and all they could do was say pay it or you'll have a fee. So I ask you, why am I making a payment on an account that's closed? Then they threaten fees? I had a surplus on my escrow that they mailed out the check on the and day I got their fraudulent documents but never received the check, I asked about it they said it'll take XXXX business days to get the check, but again I got their fake threatening letter the same day they both were issued .. shouldn't I be able to charge them a late fee? How am I supposed to make a payment to an account that's closed? Why should I make a payment to an account that's closed. It doesn't make any sense at all and is infuriating that they're this frivolous out in the open and no one is doing anything about it .. Mr Cooper XXXX a scam mortgage company and needs to be audited!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX INQUIRIES : XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year> I opened a checking account. Today is XX/XX/XXXX and I dont have access to my online account. I do not have th XXXX  card anymore and you guys dont include the account number on any of the statements. I will be having an upcoming credit card bill coming. So I can put this online access off to a hold if you just want me to send me a paper bill to the registered address on the account. Also what security threat was there. I just went through this with XXXX XXXX. You are restricting my access to go on my online account. You guys dont include not give any alternative solutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: LA

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 explanation
Consumer complaint received 2025-06-16 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: PA

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from EQUIFAX, associated with XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 

Despite my formal dispute and request for a thorough investigation, EQUIFAX, has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS XXXX XXXX  - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$930.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$3200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/XXXX I made a {$1000.00} cash deposit on my chime debit card at a reload store ( XXXX XXXX  after I made this transaction I was then arrested later on that night and when I was arrested my cell phone was stolen where I no longer had access to my phone when I was released XX/XX/XXXX after dealing with warrants in different counties I contacted chime and file my dispute for {$1000.00} stating that I was arrested and release on the above date also explaining that my phone was stolen and I wanted to report a fraud dispute once that dispute was submitted I was told by XXXX different representatives on XXXX different occasions that I would receive a temporary credit to my account on XX/XX/XXXX when I contacted chime XX/XX/XXXX the day before I was supposed to receive the temporary credit to see when and what time I would receive my temporary credit on XX/XX/XXXX I was told that I was no longer eligible to receive a temporary credit the day before I was supposed to receive it with out any notification while the dispute investigation was still being done I was given and promised false information pertaining my account

Company response to consumer: Closed with explanation