vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK

Complaint narrative:
Discover charged me two late fees on my account for the same billing cycle, including interest on the second fee. The first fee was for a late payment on the balance due XX/XX/XXXX, which I paid on XX/XX/XXXX. The second late fee, posted XX/XX/XXXX, was applied because the first late fee remained unpaid effectively a late fee on a late fee, also known as a pyramiding fee. 

During a call with a Discover supervisor, they admitted this was a fee-on-a-fee, though they framed the first fee as an outstanding balance. The internal review process lacks transparency and accountability and does not take into account my strong payment history, long-standing customer loyalty, or strong credit score ( XXXX ). Instead, the system is being followed blindly, without proper judgment applied to override scenarios or unusual circumstances. They also refused to provide a clear policy or criteria for when such fees can be waived, stating the review would be internal with no updates. 

I believe this is an improper or incorrect charge under the Fair Credit Billing Act ( FCBA ). I am requesting the removal of both late fees and any interest charged on the second fee, as well as confirmation that this will not negatively impact my credit reporting. 

Steps Already Taken : Contacted Discover customer service multiple times to request a waiver of both late fees and related interest. 

Escalated to a supervisor who admitted the second fee was a fee-on-a-fee but refused to reverse the charge, stating it would only be reviewed internally. 


You can also listen to the call recordings where they aligned and agreed to this ^

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-01 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: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am filing this complaint because Columbia Debt Recovery has repeatedly failed to properly validate an alleged debt and has not responded to my written disputes in a timely or lawful manner. 

Timeline of events : XX/XX/year> : I received a collection notice from Columbia Debt Recovery regarding an alleged debt. 
beginning XX/XX/year> : I mailed my first written debt validation request. 
middle XX/XX/year> : Columbia Debt Recovery sent a response, but the documents they provided were incomplete and did not meet the FDCPAs standards for proper debt validation. So I sent another letter for complete validation of the discrepancies. 
XX/XX/year> : I mailed a 10-day final notice requesting full, itemized validation or removal of the debt. I stated clearly that failure to respond within 10 days would result in formal complaints being filed. 
XXXX XXXX XXXX XXXX  : The company received my letter but did not respond. 
XX/XX/year> : The 10-day deadline expired with no reply and no validation provided. 
XX/XX/year> : As of today, it has been 27 days since my final notice was mailed, and 17 days past the deadline, with no response at all from the company. 

Columbia Debt Recovery has not provided proper validation at any point, despite multiple written disputes from me. They have also continued to ignore my final notice, which violates the FDCPA requirement that a collector must cease all collection activity until proper validation is provided. 

This situation has caused confusion, stress, and potential credit harm because the debt is still being reported or collected even though it remains unverified. 

I am requesting that Columbia Debt Recovery be required : 1. Remove the debt entirely and cease all collection activity. 

I am also requesting written confirmation of their actions, as they have not responded to any of my prior written notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-01 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: LA

Complaint narrative:
Im filing a complaint against the company because my rights as a customer have been violated and taken away I cant access my benefits card without them blocking my card and I have bills and personal needs I cant get taken care of because theyre denying me my rights to the funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
The sales person was not very thorough in letting me know exactly what my Car payment will be and I signed. Also, my interest rate is through the roof. And, why can't I refinance. 

Thanks

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 2025-12-01 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: MD

Complaint narrative:
I am submitting this dispute statement to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccuracies found on my credit report. Below are the details of the accounts in dispute, separated by credit bureau : CHARGED OFF TRANSUNION Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} INQUIRIES TRANSUNION Account Name : XXXX Date : XX/XX/XXXX LATE PAYMENT TRANSUNION Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : 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 2025-12-01 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXXXXXX XXXX, Im on hardship due to not receiving all my benefits that I have earned, the mortgage company keeps menacing with foreclosure even that they have hardship programs that they do not want to help my family with. They also dont want any partial payments, they just want to gauge your eyes with complete payments only Im struggling and they do not want to help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I redeemed the rewards on my Bank of America Credit Card ( see attached confirmation ) to be deposited into my personal checking account at XXXX XXXX. The amount was {$390.00}. Shortly thereafter, I closed the credit card. However, I never received the funds. 

I had difficulty reaching Bank of America regarding this issue. I initially tried to call to resolve this issue but could not reach anyone. I went to one of their bank locations to sort the issue out. The staff were unable to assist me directly because they do not handle credit cards. Instead, I had to sit with one of the bankers while they sat on hold with their credit department ; a feat which was no different from when I called for myself, but previously could not reach someone. After waiting on hold for an exorbitant amount of time, the banker finally reached someone. 

After providing verifying information of myself and the banker, the person on the line was able to confirm the amount ( I provided the confirmation ). I then provided my banking information ( account and routing numbers ). The person on the phone stated that he was transferring the funds. 

Instead of receiving the funds that were promised, I received a letter in the mail requesting that I physically mail additional information ( see attached ). 

On XX/XX/year>, I mailed the attached letter ( unredacted version ), with my Reward Transfer Confirmation, and the letter Bank of America sent me. I have not received a response.

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 monetary relief
Consumer complaint received 2025-12-01 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: DE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
On XX/XX/year>, I personally mailed a dispute letter to TransUnion regarding an inaccurate account ( XXXX XXXX  ). I included a copy of my Passport, a Bank Statement, and my Social Security Number to verify my identity and prove that the request came from me. 

TransUnion responded with a generic postcard dated XX/XX/year>, refusing to process my dispute by falsely alleging it was a " suspicious request '' or sent by a third party. This is a frivolous refusal to investigate. 

I am a consumer exercising my rights under the FCRA. I provided ample identification in my original letter. TransUnion 's refusal to review the attached ID and their rejection of my dispute is a violation of 15 U.S.C. 1681i. I have mailed a second confirmation letter to them, but I am filing this complaint to force TransUnion to accept my dispute immediately and stop rejecting valid consumer disputes under false pretenses of " suspicion. ''

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: AL

Complaint narrative:
I am submitting this statement regarding the following accounts in dispute across the three major credit bureausEquifax ( EQ ), XXXX XXXX XXXX ), and XXXX  ( XXXX ). Below is a breakdown of the accounts under dispute, categorized by charge-off status, inquiries, positive items, and late payments. I kindly request that you investigate these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts Equifax ( EQ ) DEPTEDXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} DEPTEDXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} DEPTEDXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} DEPTEDXXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} DEPTEDXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} DEPTEDXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} DEPTEDXXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} Inquiries Equifax ( EQ ) XXXX, Date : XX/XX/XXXX Late Payments Equifax ( EQ ) XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: LA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of 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 2025-12-01 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: MS

Complaint narrative:
I am disputing the following items on my TransUnion credit report because they may contain inaccurate or unverifiable information. I request that TransUnion conduct a full investigation under the FCRA to ensure that all information is reported accurately. 

CHARGED OFF XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX Please verify the details of these charged-off accounts, including balances, dates, and reporting accuracy.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
The companys response still does not satisfy FDCPA 1692g ( b ) validation requirements or Texas state law. 
They claim the Statement of Deposit was processed on XX/XX/year> and would have been sent, but they provided no proof it was actually mailed, received, or compliant with Texas Property Code 92.104. Under Texas law, the landlord must provide a copy of the itemized deposit letter and proof of mailing within 30 days. None was provided.

No final itemized statement, inspection report, photos, repair invoices, or documentation supporting any charges were provided.

Their explanation of accelerated rent violates Texas Property Code 91.006, which requires landlords to mitigate damages and provide documentation of re-rental, new rental rate, vacancy days, and exact calculation. They provided no documentation only unsupported statements. 
A ledger and a narrative explanation are not legal validation under FDCPA or case law ( XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ). 

The debt remains unvalidated, and continuing to report it violates FDCPA 1692g ( b ), FDCPA 1692e ( 8 ), and FCRA 623 ( a ) ( 3 ).

I request supervisory escalation and deletion of the account due to continued failure to validate while engaging in collection and credit reporting.

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