vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Corp Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/year>, I placed a phone call to Credit Corp. Solutions regarding an alleged debt that they purchased from another creditor. I do not recall the representatives name, but the call took place at approximately XXXXXXXX XXXX and was placed to XXXX. 

During the conversation, I explained that it was financially impossible to pay under the terms they demanded. The representative immediately became aggressive and threatened to sue me right away if I did not comply. His tone was unprofessional and intimidating, and the conversation placed an intense amount of pressure on me. No alternative payment options were offered that I could afford only an ultimatum paired with a lawsuit threat. All of which is not only inconsistent with their self-reported culture of respect to consumers ( according to their own website ), but potentially violates the below : I believe this conduct violates the Fair Debt Collection Practices Act ( FDCPA ), specifically : 15 U.S.C. 1692e ( 5 ) Threatening legal action that is not intended to be taken or can not be taken immediately 15 U.S.C. 1692d Engaging in harassment, oppression, or abuse in the collection of a debt 15 U.S.C. 1692f Using unfair or unconscionable means to collect a debt I request that the CFPB : XXXX. Obtain and review the recording of the call, as this company records calls for quality and compliance purposes. 
XXXX. Require the collector to cease threats of legal action unless they are lawful, warranted, and intended XXXX. Ensure they provide full written validation of the debt before continuing collection XXXX Review whether their communication practices comply with the FDCPA and take appropriate action if violations are confirmed. 

I am drafting a formal debt validation letter to the company by certified mail requesting proof of ownership, an accurate account history, and documentation of their right to collect in my state. Until they comply, all collection and credit reporting activity should be suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: MA

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened 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 2025-08-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have filed a police report regarding the identity theft, and I have attached a copy of that report along with a valid government-issued photo ID and proof of address for verification. I am requesting the immediate removal and blocking of all fraudulent accounts, inquiries, and information from my credit file as allowed under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B. Please send me written confirmation once these fraudulent items have been removed from my credit report and provide a copy of my updated credit file. 
Thank you for your immediate attention to this serious 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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
CFPB Complaint XXXX XXXXXXXX Equifax is violating the FCRA by delaying my dispute investigation to 60 days without legal basis. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), they must complete within 30 days ( or XXXX only if I provide new information I have not ). 

Disputed items : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX File Nos. XXXX & XXXX. XXXX is misleading since no debts were discharged. Violates 1681e ( b ) and 1681i ( a ). Delete unless verified directly with court clerk by name + original docs. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Filed XX/XX/year>, removal date XX/XX/year> ( now past ). Violates XXXX ( a ) ( XXXX ) outdated negative info. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed as Included in Bankruptcy despite bankruptcies being dismissed. Violates 1681e ( b ) and 1681i ( a ) ( 5 ) inaccurate, misleading, unverifiable. 

Requested action : CFPB require XXXX to meet legal deadlines, permanently delete these items, and confirm in writing. Continued reporting is willful/noncompliant under XXXX and negligent under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: WI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I callled on XXXX XXXX and XXXX. I was sent XXXX statements on the XXXX but I can not get them downloaded in this site. I contacted the app creator on XXXX XXXX. The amount missing is {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-09 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: Kikoff Inc.
State: AR

Complaint narrative:
Removal of closed accounts : I am writing to formally dispute the accuracy of certain information reported on my credit file. Upon reviewing my credit report, I noticed that there are closed accounts still being reported that I believe should be removed, as they no longer accurately reflect my current credit standing. 

The closed accounts in question are : XXXX / XXXX XXXX XXXX XXXX KickOff Lending LLC XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain only accurate and up-to-date information. Since these accounts are closed and no longer active, their continued presence is negatively affecting my credit profile and does not reflect my present credit status. 

I am requesting that you investigate these accounts and remove them from my credit file. Please send me written confirmation of the results of your investigation and provide me with an updated copy of my credit report once the accounts have been removed. 

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day investigation period as required by the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX  Collection/Charge-Off Account Inaccuracies To Whom It May Concern : I am writing to dispute inaccurate and conflicting information reported on my TransUnion credit report concerning an XXXX XXXX  account currently reported in collection/charge-off status. The account reflects inconsistent last payment dates : The account shows a last payment date of XX/XX/XXXX. 
However, the payment history visual chart reflects a last payment date of XX/XX/XXXX. 

This discrepancy indicates that the reported information is inaccurate and incomplete, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information they know or have reasonable cause to believe is inaccurate. Furthermore, 15 U.S.C. 1681i ( a ) requires TransUnion to conduct a reasonable reinvestigation upon notice of a dispute and promptly correct or delete any inaccurate or unverifiable information.

Relevant case law supports my dispute : In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held furnishers liable for reporting inaccurate information and emphasized their duty to ensure accuracy. 
In XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court stated that credit reporting agencies must conduct meaningful reinvestigations when disputes arise. 
In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), failure to correct inaccurate credit information was deemed a willful violation of the FCRA. 

Demand for Action : 1. Conduct a thorough reinvestigation of this XXXX Bank account, with special attention to verifying the correct last payment date. 
2. Correct the conflicting payment date information to accurately reflect verified data.

3. Provide me with the documentation or method used to verify the last payment date. 
4. Provide an updated credit report reflecting all corrections. 

Failure to comply with the FCRA may compel me to seek all available legal remedies, including complaints with the Consumer Financial Protection Bureau and claims for damages under 15 U.S.C. 1681n & 1681o. 

Please respond within 30 days as required by law. 

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have a bank account with Discover. On XX/XX/XXXX, Discover placed a hold on my funds without a valid reason. I was told multiple conflicting timeframes for when my money would be available. I explained to Discover representatives multiple times that I am in an emergency situation my car insurance was canceled due to lack of funds, and my family is facing homelessness. 

I am a XXXX XXXX  veteran, and this situation has caused me severe financial and emotional hardship. A representative told me a credit would be issued to my account, but it was never applied. Later, I was told the credit was approved and all we can do is wait, but no one could provide an exact time or date for release of the funds. I specifically asked Discover to send me written proof that my deposit would be available on Monday, and they agreed but they never sent that proof. 

It is now XX/XX/year>, and the money is still being withheld. Discovers actions have caused direct harm the loss of my car insurance coverage, extreme financial distress, and the imminent risk of homelessness. They have failed to provide accurate information, did not follow through on their promises, and ignored the urgency of my situation despite being fully aware that I am a veteran in crisis. 

I am requesting immediate release of the credited funds, a written explanation of why the money was held, and an investigation into Discovers mishandling of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: MD

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 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges XXXX XXXX XXXX XXXX I have enclosed a copy of an FTC Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop collection on this account as it is a FRAUDULENT account. Your company is in direct violation with Fair Debt Collection Practices Act, which prohibits the using abusive, unfair, or deceptive practices, and a refusal to acknowledge or act upon an FTC report could be seen as a form of deception or unfair practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Klarna AB
State: TX

Complaint narrative:
I checked my XXXX XXXX the other day I found that my credit had dropped XXXX points due to XXXX credit checks by Klarna, which has never been done. Only when you make the account it checks your credit, but says it will not take a hit to it which it did not in the past. On XX/XX/XXXX I checked and they hit my credit XXXX times. I asked them why they could not give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION

Complaint narrative:
I need assistance with closing my mother 's accounts.

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 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
I, as sole debtor, financed an {$8300.00} retail auto installment loan from Toyota Financial Service ( secured party Toyota Motor Credit Corporation ) ( TMCC ) on XX/XX/XXXX in Wisconsin. 

I defaulted on that contract for past due installment payments. The vehicle, which was the secured collateral, was repossessed by TMCC on XX/XX/XXXX. 

Per written correspondence from TMCC, dated XX/XX/XXXX, and telephone calls with TMCC agents, dated XX/XX/XXXX, XXXX & XXXX, XXXX, I elected to redeem the vehicle by paying off the contract. I paid {$6000.00}, the full amount required to redeem the vehicle. By phone call, dated XX/XX/XXXX, TMCC confirmed receipt of payment and authorized the release of the vehicle to me. I retrieved the vehicle on XX/XX/XXXX. 

Per telephone calls with TMCC, dated XX/XX/XXXX and XX/XX/XXXX, I was advised that TMCC was processing the release of the lien, and that they would send it to me by XX/XX/XXXX, as the TMCC agent said it takes XXXX days from the XX/XX/XXXX ( the date I redeemed the vehicle ). 

However, to-date, I have not received the lien release. It has been 6 months. Per the Wisconsin Department of Transportation ( DOT ) website lien holder lookup, the vehicle continues to list Toyota Motor Credit Corporation as the lien holder, with origination date of XX/XX/XXXX. I followed up by contacting the DOT by phone on XX/XX/XXXX to inquire regarding the title and lien. The agent advised me that the vehicle was re-titled to someone in Indiana, someone other than me, but she wasnt permitted to tell me the name. I had previously renewed the vehicle registration in XX/XX/XXXX and XX/XX/XXXX -which is current- until XXXX. My address has not changed since obtaining the loan from TMCC. Per the TMCC agent who I spoke with on XX/XX/XXXX, the lien release would come to me. The TMCC agent said nothing about the vehicle being re-titled.

Per the above referenced communications with TMCC, and per the installment contract terms, the lien was to be released to me. TMCC has not released it to me by any delivery means, nor have they electronically released it via the DOT website portal. The lien still not released, exceeds the listed release times that the DOT and TMCC publish. 

Please note, I have documents and contemporaneous notes, to support the above assertions, and I will provide all of it upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( and [ Debt Collector Name ], if applicable ). I previously rented an apartment from XXXX XXXX. Due to financial hardship, I informed management that I could not continue paying rent. Management told me that if I could not pay, I could return the keys and vacate the unit. I have screenshot proof of this statement. 

On or about [ Month, Year ], I returned the keys and surrendered possession of the apartment in good faith, relying on their representation. No final bill or further charges were discussed at that time. 

Now, they are attempting to collect additional rent and/or other charges and have threatened to place the account with a debt collector. This is misleading and unfair, as I relied on their statement when returning the keys. If the debt has been placed with a collector, I have disputed it under the Fair Debt Collection Practices Act ( FDCPA ) and requested full validation, which has not been provided. 

I am requesting that this alleged debt be removed, any collection efforts cease, and no negative information be reported to the credit bureaus. I also request a complete written accounting of the alleged charges and documentation of any attempts to re-rent the apartment after I vacated, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had a balance on my capital one card which I paid in full in XXXX. In paying it I submitted an overpayment so my balance with them was in the negative ( they owed me money ) My negative balance was over XXXX so I made a few small purchases to try to get it to XXXX. Last night my statement was still in the negative but down to {$1.00}. So I wasn't going to worry about it. Today I open my app and see that I owe capital one over XXXX when my balance was in the negative for a month. They tell me its interest for the previous month when my balance was negative. So why am I being charged any interest period when they owe me money. How are they possibly allowed to get away with this kind of stuff. They owed me money, my card was paid off and they still want to charge interest on a negative balance. Seriously. This card was paid off, I had a negative balance and I owe capital one absolutely nothing. Someone needs to fix these thieves from ripping off the consumer. They make XXXX  of dollars and still have to do something like this to make a few more bucks. This should be completely against the law. Capital One needs to fix my bill and erase anything they say I owe them because I owe them nothing. My credit card was paid in full and had a negative balance and I didn't recieve any interest when they owed me money. This is ridiculous and should be against the law.

Company response to consumer: Closed with monetary relief