vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: FL

Complaint narrative:
Dear CFPB, I am writing to urgently dispute a debt reported on my credit report by the collection agency ProCollect, related to charges from my former property management for carpet replacement. I assert that these charges are inaccurate because the condition of the carpet represents normal wear and tear, which under Florida law should not be considered tenant damage nor converted into a collection debt. 
I have provided property management with clear evidence that the carpets condition is from ordinary use and heavy foot traffic by myself and my XXXX small children, not neglect or abuse. The managements own emails state that the charges were for carpet replacement. However, I have photographic evidence taken at move-out showing worn carpet due to regular use, not damage beyond wear and tear. 
Florida law defines normal wear and tear as the expected deterioration occurring from ordinary use of a rental property without negligence. Common examples include fading, discoloration, matting, and general soiling from trafficall of which accurately describe my carpets condition. Florida Statutes XXXX and relevant case law such as XXXX v. XXXX require landlords not to charge tenants for such wear and tear and to return security deposits accordingly. 
I have repeatedly contacted the collection company ProCollect with this information and supporting documentation, but they have refused to discuss the evidence, demanding full payment without consideration of my valid dispute. They have also refused any partial payment or settlement discussions based on the evidence of normal wear and tear. 
This ongoing collection is causing me immediate and severe hardship, leaving me unable to secure housing or move to a new residence. Therefore, I urgently request CFPBs prompt investigation into this matter to prevent further harm caused by this inaccurate and unfair credit reporting. 
Please find attached copies of : Emails from the property management admitting carpet charges Photographs of the carpet taken at move-out demonstrating normal wear Relevant excerpts from Florida landlord-tenant law regarding wear and tear Records of communications with the collection agency ProCollect Thank you for your immediate attention to this critical matter. I look forward to your support in ensuring fair reporting practices and the removal of this inaccurate collection account from my credit report. 
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 explanation
Consumer complaint received 2025-11-10 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: NC

Complaint narrative:
I am requesting a formal investigation into the following accounts listed on my Equifax credit report. These accounts are being disputed due to inaccurate or incomplete information, and I believe they should be corrected or removed as appropriate under the FCRA. 

Charged-Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} Inquiries : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-11-10 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: IL

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-10 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: NC

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF XXXX U.S.C. XXXX ( A ) ( XXXX ) ( B ) ( XXXX ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 
FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY XXXX U.S.C. XXXX ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I assert that the incorrect late payment entries on my accounts are a breach of 15 USC 1666. I have consistently made payments on time, and any errors in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX I need a new check to be reimbursed or reissued or reissued or issued to me again I have lost it somehow and I cant find it and I never cashed it and the balance was {$0.00} and I need the old check to be cancel out and put a stop payment on it or stop direct deposit on it if someone who try to cash it or direct deposit it or mobile deposit it and it wont go though and my ssn is XXXX and my date birthday is XXXX you can contact me at XXXX or XXXX or do both please send me a new check by mail at XXXX XXXX XXXX XXXX Pennsylvania XXXX by rush ship it and give me the tracking number to it because I really need it badly etc. Update I still never got my check yet in the mail I need to know if yall have send it out and what date was it send out or please send it to me etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Several months ago, I contacted Capital One to request a due date change because I started a new job and my pay date changed. The representative explained that the adjustment could take more than one billing cycle to take effect. During that transition, I was charged two late fees.

Capital One reversed one of the late fees as a one time courtesy but refused to reverse the second, even though both were caused by the timing overlap while the due date change was being processed. I could not have foreseen the new pay schedule far enough in advance to request the change earlier, so I believe being charged an additional late fee is unfair to the consumer.

I have a strong on-time payment and credit history with Capital One, and Ive since remained current. Im requesting that the second late fee be reversed as a goodwill adjustment, given the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
After reviewing my credit report, I discovered that several accounts and inquiries are being reported inaccurately and remain unverified despite multiple prior disputes. The accounts in question include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These furnishers have failed to provide validation or documentation proving the accuracy, ownership, and legitimacy of the debts they are reporting. Many of these accounts contain factual inconsistencies such as being simultaneously reported as charged off and past due, which is contradictory and violates FCRA 607 ( b ), which requires accurate reporting. 

For example, XXXX XXXX and XXXX XXXX continue to report balances that do not match the alleged charge-off amounts and update them monthly even though they are closed. XXXX XXXX reports the same account as both closed and in collection, which is misleading and unverified. XXXX XXXX XXXX is reporting an auto loan as repossessed while still showing an active balance, but has failed to provide any documentation such as a repossession notice, sale record, or deficiency calculation. XXXX XXXX XXXX is reporting a balance that exceeds the original loan amount by thousands of dollars, suggesting unlawful interest or fees added without proof. 

In addition, multiple unauthorized hard inquiries are appearing on my credit report from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I never authorized these companies to access my credit, nor have they provided signed consent or proof of a permissible purpose under FCRA 604 ( a ) ( 2 ). I have disputed these inquiries and accounts multiple times since early 2025, but the credit bureaus continue to verify them without producing any supporting documentation or evidence of proper reinvestigation as required by FCRA 611 ( a ). 

The continued reporting of inaccurate, unverifiable, and misleading information has damaged my creditworthiness and is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The credit bureaus repeated failure to conduct a lawful reinvestigation and provide proof of verification demonstrates willful noncompliance with federal consumer protection laws.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the following accounts and inquiries on my TransUnion credit file. I am asking for a reinvestigation to verify accuracy, completeness, and proper reporting. Any item that can not be proven as accurate should be removed. 

CHARGED OFF / NEGATIVE ACCOUNTS IN DISPUTE TU XXXX, XXXX * * * *, XX/XX/XXXX, {$5600.00} XXXX, XXXX * * * *, XX/XX/XXXX, {$8700.00} XXXX, XXXX * * * *, XX/XX/XXXX, {$5300.00} XXXX XXXX XXXX, XXXX * * * *, XX/XX/XXXX, {$170.00} XXXX XXXX XXXX IN, XXXX * * * *, XX/XX/XXXX, {$280.00} XXXX XXXX, XXXX * * * *, XX/XX/XXXX, {$550.00} INQUIRIES IN DISPUTE TU XXXX XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX LATE PAYMENTS IN DISPUTE TU XXXX, XXXX * * * * XXXX 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
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this incorrect account from my credit report, as I never authorized its creation or use. Attached are the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: Automated Collection Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/year> AUTOMATED COLLECTION SVCS XXXX XXXX XXXX XXXX XXXX TN XXXX Re : Cease and Desist Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act, XXXX U.S.C. XXXX ( c ), I hereby demand that Automated Collection XXXX XXXX immediately cease all communication with me regarding the above-referenced account. 

I revoke any and all prior consent, if given, to be contacted by telephone, mail, email, or any other means. The only exceptions permitted under the law are to advise me that your collection efforts are being terminated, or to notify me that you may invoke specific remedies that are ordinarily invoked by your company. 

Please note that any further communication from AUTOMATED COLLECTION XXXX XXXX, other than those exceptions outlined in the FDCPA, will constitute a violation of federal law and may result in legal action being taken against your company. 

This letter is being sent to you via [ Certified Mail/Return Receipt Requested ] to document your receipt and my compliance with the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: MA

Complaint narrative:
We traveled to XXXX XXXX in XXXX of XXXX and visited a XXXX XXXX Vacations and attended a timeshare presentation. The payment for attending was a {$200.00} gift card. 
We were not aware the gift card expired in less than a year ( XX/XX/XXXX ). When we went to use a few weeks ago we realized the card was expired. When I called the # on the back ( Myprepaidcenter.com ), to get a new card and date I was told the card was not eligible but not given a reason. I was just told to register the card to see the terms and conditions, but I could not register the card as it was expired. After numerous attempts with different reps, I've become frustrated and going this route as I'm aware of Federal Gift Card Protections ( Credit CARD Act of XXXX ). 

The gift card amount is for {$200.00} and is a Visa Gift card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: MI

Complaint narrative:
I am more than willing to pay back the money that I had borrowed, but the interest rate is or should be illegal, I believe it's over 300 %

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Inaccurate Personal Information and Fraudulent Debt Reporting Dear CFPB, I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act by the three major credit XXXX XXXX XXXX XXXX a debt collection agency, XXXX. XXXX XXXX XXXX. 

My credit files contain incorrect personal information, including outdated addresses, wrong phone numbers, and other personal identifiers that do not belong to me. These inaccuracies increase my risk of identity theft and undermine the accuracy of my credit profile. Despite prior attempts to correct these issues, the information continues to appear, which constitutes a failure to maintain maximum possible accuracy as required by FCRA 607 ( b ).

In addition, a new fraudulent account has been reported by F.H. Cann & Associates, allegedly originating from a university. This account is entirely invalid. My tuition was fully paid through my employer and union affiliation, and I was never personally responsible for any tuition payments. I never owed this debt, and I never authorized or agreed to any collection activity. Reporting this fabricated account is a violation of FCRA 1681s-2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: KS

Complaint narrative:
I am disputing the following accounts reporting on my Experian credit report. These items appear to be inaccurate or unverifiable and require an investigation under the FCRA to ensure proper reporting.

Charged Off Accounts in Dispute : XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$39000.00} Inquiries I Do Not Recognize / Wish to Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I contacted Robinhood on Friday XX/XX/year> inquiring why my direct deposit hadnt been posted. I wasnt given a clear reason, but I assumed it was on my employers end. Today, Monday XX/XX/year> I received an email stating unusual activity and that my account had been restricted. I immediately contacted Robinhood and was given no answers except my account was under review and it could take several days. I asked for more clarification, since Ive had this account for years, with no issues and have never been restricted, ever. I just signed up to have my new job send my direct deposit to Robinhood and everything went smoothly last week, which was the first week. This direct deposit would have been the second week and for some reason my direct deposit was rejected. I have no idea what Robinhood is doing, holding peoples money, but this is my paycheck. I worked hard for this money and desperately need it to pay my bills and buy medicine. I will be updating my employer today to send my direct deposit to a different bank. I will also be closing my Robinhood account after this ordeal is sorted out. Robinhood should not be able to hold money, with XXXX explanation for unspecified amounts of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to a completely accurate credit report. I am requesting that these accounts be reviewed, and if their accuracy can not be verified, they should be deleted from my report.

Company response to consumer: Closed with explanation