vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Metro Collection Service Inc.
State: NJ

Complaint narrative:
Metro Collection has engaged in harassing, abusive, and unlawful debt collection practices regarding an alleged apartment debt in Colorado. They have repeatedly threatened wage garnishment without a court judgment, and they have improperly contacted my XXXX employer about this debt. These actions are abusive, coercive, and direct violations of the Fair Debt Collection Practices Act ( FDCPA ). 

The alleged debt relates to a past apartment lease between myself and my XXXX in Colorado. 

I have not been sued in court, nor has any judgment been entered against me. 

Despite this, Metro Collection has repeatedly threatened that my wages will be garnished. 

On XX/XX/year>, at XXXX XXXX ( XXXX XXXX XXXX  XXXX, I called Metro Collection . During this call, their representative told me : You have a balance of {$2700.00} thats due and your wages will be garnished unless the balance is paid off. 

This was a direct and false threat of immediate wage garnishment, which they can not legally do without a judgment. 

In addition, Metro Collection contacted my XXXX  employer about this alleged debt. This is an impermissible third-party disclosure of debt information and a violation of FDCPA 1692c ( b ). 

Threatening wage garnishment without a judgment violates FDCPA 1692e ( 4 ) and 1692e ( 5 ) ( false representation of legal remedies and threats of actions not legally permitted ). 

Contacting my XXXX  employer about this debt violates FDCPA 1692c ( b ) ( unauthorized third-party communication ).

Their repeated and aggressive conduct is harassment under FDCPA 1692d.

These actions are designed to intimidate me into paying, not to follow lawful debt collection practices. 

I request that the CFPB : Investigate Metro Collection for making illegal threats and unlawful third-party contacts. 

Require them to cease all harassing and deceptive collection practices. 

Take enforcement action if these practices are found to be part of their standard operations. 

Consumers should not be subjected to threats of wage garnishment without due process, nor should debt collectors be allowed to harass third parties by contacting employers about alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-30 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Subject : SECOND ATTEMPT FOR DELETION XXXX To the Consumer Financial Protection Bureau ( CFPB ) : I am submitting this complaint against XXXX XXXX XXXX XXXX regarding account XXXX reported by XXXX XXXX, which remains inaccurate on my credit file despite prior disputes. This is my second attempt for deletion, and the credit bureaus has failed to conduct a proper reinvestigation or correct/delete the information. 

Violations : XXXX XXXX with no HIPPA authorization or validation. 

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i & 1681s-2 ), They are legally required to : Conduct a reasonable reinvestigation of all disputed information. 

Correct or delete any information that is inaccurate, incomplete, or unverifiable. 

Ensure that reporting complies with XXXX XXXX standards, including : XXXX XXXX Information Disputed by Consumer XXXX XXXX  Unable to Verify XXXX XXXX Error They have failed to meet these obligations, leaving inaccurate and unverifiable information on my credit file. This failure harms my consumer rights and financial standing. 

Requested Resolution : I demand immediate deletion of all inaccurate or unverifiable information related to XXXX XXXX account XXXX from all credit report, along with written confirmation of the corrections made. 

Please note that if the bureaus and XXXX does not comply, I am prepared to pursue all remedies available under 15 U.S.C. 1681n, including : Actual damages Statutory damages up to {$1000.00} per violation Punitive damages Attorneys fees Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
On XX/XX/year>, I was notified by TransUnion that my personal information was exposed in a data breach. According to the notice, the breach may have included my name, date of birth, Social Security number, and other sensitive identifying information. 
Since receiving this notice, I have discovered multiple fraudulent credit inquiries and accounts appearing on my credit report that I did not authorize. These accounts and inquiries are negatively affecting my credit standing and pose a serious risk to my financial security. I am requesting immediate assistance in investigating and removing these fraudulent accounts and inquiries from 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 2025-09-30 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: NY

Complaint narrative:
On XX/XX/year>, I was notified by TransUnion that my personal information was exposed in a data breach. According to the notice, the breach may have included my name, date of birth, Social Security number, and other sensitive identifying information. 
Since receiving this notice, I have discovered multiple fraudulent credit inquiries and accounts appearing on my credit report that I did not authorize. These accounts and inquiries are negatively affecting my credit standing and pose a serious risk to my financial security. I am requesting immediate assistance in investigating and removing these fraudulent accounts and inquiries from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
These accounts are appearing on my credit report in my name without my authorization or knowledge. I did not open, authorize, or benefit from them ; their presence is false, misleading, and damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong to me.

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 2025-09-30 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-30 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:
Crazy is XXXX Thank You XXXX XXXX XXXX false accounts information and XXXX of which does NOT exist please see attached PROOF of incorrect information AGAIN Today, while filing false information regarding XXXX account now showing on my credit report as being XXXX different account with XXXX different ending numbers but same false info. Please see attached pay ATTENTION to the account numbers with same false information wrongly falsely reported to Equifax and no one at Equifax has either corrected this showing not only perjury with the CFPB but also to this credit bureau. I only have XXXX account with XXXX Thank You XXXX XXXX ending in XXXX with false info, while ALSO Duplicate account is falsely being reported to Equifax is being ending inn XXXX. HELLO CFPB PLEASE READ THE ATTACHED PROOFS OF PERJURY AND FALSE CREDIT REPORTING BY XXXX THANK YOU XXXXXXXX XXXX. This is the FOURTH FALSE REPORTING TO EQUIFAX! 
When I again called the XXXX number for XXXX XXXX XXXX I was given a wrong number instead of the Resolve Citi Thank You XXXX XXXX XXXX XXXX. I was given the XXXX XXXX XXXX number on or about XXXX at XXXX. In XXXX XXXX XXXX  here attached PLEASE READ All ATTACHED!! CFPB has Also been given false info included on these statements for balance showing same for both account ending in different numbers while my credit score with my credit monitoring service has been crushed giving me enormous Damages. Could possibly be an account being Double billed, is this possible?? 
Also the attached shows that XXXX gave CFPB XXXX different fake balances on XX/XX/year> on the XXXX XXXX letters attached XXXX shows balance of over {$4500.00} the other {$4400.00} BOTH on XX/XX/XXXX. Pure perjury and false credit reporting!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ADP Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I received a direct deposit from my employer. Prior to this I logged into my account and saw a balance of {$0.00}, no fees and no overdrafts. Inexplicably Wisely performed an administrative debit of {$86.00}. Shocked by this action and with no knowledge of why I immediately contacted Wisely support. They claimed it was a result of an overdraft on my account. Of course there was no indication of an overdraft anywhere on my account nor any emails, letters or notifications from Wisely about any overdraft. Account history is only up to XXXX months on the app. Furthermore, Wisely does not perform overdrafts ; if there is insufficient funds the transaction is declined. 
Failing to get answers I called Wisely customer service and asked for an explanation. This time the representative attempted to say my employer accidentally gave me too much money and should get in touch with them. When I explained to them this is not the case they escalated to a supervisor. This supervisor told me again about an overdraft from XXXX years ago that they credited to my account and balanced out but then later planned on charging me for. Again with XXXX notifications, emails or letters indicating I have an overdraft or fees on my account. After talking to the supervisor for a while she became frustrated and hung up. I later decided to close the account because they couldnt tell me whether there were more hidden fees and overdrafts I didnt know about. I want them to refund the money they took and provide a detailed written record and explanation of the events along with why I was not alerted or notified about this. It is unfair, lacks transparency and extremely financially devastating for someone on limited income. I feel like I was loaned money and the money was snatched away without my consent in a surprise attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: UPGRADE, INC.
State: TX

Complaint narrative:
XX/XX/year> Upgrade inc : XXXX XXXX XXXX rewards to XXXX XXXX Me : Not liable, dispute with XXXX credit bureaus. Upgrade inc : response to bureaus by excessing factor trust report to verify information, instead of verifying the information uses the information as a place to draw information from to replace what is currently on file. What this looks like, how to verify my statement or confirm, please visit XXXX website Complaints and the complaints related will look like this, Im locked out of my account, ive been charged multiple times, my user name wont work, i have tried updating my information and i can not? This is a normal practice that can explain most all the complaints submitted. If you try to correct this you will fail authentication and be denied access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Subject : Formal Complaint Regarding Unfair Fees and Interest Barclays XXXX XXXX Dear Barclays Customer Relations, I am writing to file a formal complaint regarding my Barclays XXXX XXXX account. I have been a loyal account holder for over 10 years. During this time, I have never missed a payment, and my account has always been kept in good standing with autopay. 

However, despite the fact that I do not use this card for purchases, I have been repeatedly charged a large annual fee. Because I had autopay set to minimum payments, I have also been charged ongoing interest on top of that fee. This has created a current balance of approximately {$1100.00} for a card I never use. 

I believe this is an unfair and predatory practice. Annual fees should reflect the value of active use and benefits ; in my case, this card has been completely inactive for years. Instead, I have been trapped in a cycle of fees and interest on a product that provides me no value. 

I am formally requesting : A full reversal of the annual fee ( s ) charged to my account during the period of non-use. 

A refund or credit of the associated interest charges. 

Closure of the account at my request, with the balance adjusted accordingly. 

If Barclays is unwilling to resolve this matter fairly, I will be escalating my complaint to the Consumer Financial Protection Bureau ( CFPB ) for further investigation. 

I would appreciate a prompt written response within 15 business days. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation