vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duvera Billing Services, LLC
State: OH

Complaint narrative:
Subject : Unlawful 140 % Interest Rate and Failure to Provide Proper Debt Validation EasyPay Finance XXXX Duvera Billing Services ( XXXX XXXX  ) I am submitting this complaint regarding an installment loan associated with EasyPay Finance / Duvera Billing Services LLC, originated by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I live in Ohio. 

After multiple written requests for validation under the Fair Debt Collection Practices Act ( FDCPA ), the company initially sent only balance summaries and website links. Recently, they mailed a packet including a contract showing an APR of approximately 140 %. 

I believe this rate is unlawful or unconscionable under Ohios consumer lending laws ( R.C. 1321 and 1345 ) and that EasyPay/XXXX XXXX may be operating a rent-a-bank model to evade state usury limits. I am asking the CFPB to investigate whether these lending and collection practices comply with federal consumer-protection standards and to ensure the company is not charging or collecting on loans with illegal interest rates. 

Timeline summary : Validation requests sent : XX/XX/year>. XX/XX/year>. XX/XX/year> Duplicate form responses received : XX/XX/year>. XXXX Final notice sent : XX/XX/year> Loan packet received showing XXXX % APR : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK
State: IL

Complaint narrative:
I have been trying to get a paycheck, a cashed check, and another earning deposited into my account for nearly 4 months by commerce bank. I have been back and forth with them to get my money. They have tried to process it, or promised cash, but have fallen through each time. Corporate has been absolutely no help, managers at either branch in my location are unresponsive, and its is impossible to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXX, lates 60 days XX/XX/XXXX and 90 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 90 days XX/XX/XXXX, 120 days XX/XX/XXXX and XX/XX/XXXX and 120 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 120 days XX/XX/XXXX to XX/XX/XXXX, and 120 days lates XX/XX/XXXX to XX/XX/XXXX not reported on other bureaus

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am requesting full validation of an alleged account and the original purchase/service agreement from the original creditor. The collector and/or creditor has not provided the documentation required to verify the debt. I am asking for all documentation that establishes the account, including the original agreement, to ensure the debt is accurate and valid. 
I have requested the following documentation, but it has not been provided : The original purchase agreement or service contract Any signed customer agreement associated with the account All itemized billing statements The date the account was opened The date and amount of the last payment A detailed breakdown of how the balance was calculated Proof that the collector ( if applicable ) has the legal right to collect this debt Without this documentation, I can not confirm whether the debt is valid, accurate, or legally enforceable. I am requesting the CFPBs assistance in obtaining the complete records from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am filing a complaint regarding an unauthorized credit inquiry from XXXX that appears on my Experian credit report. I did not apply for any service, credit, or product that would require XXXX to access my credit file, nor did I provide them with any authorization to pull my report. I disputed this inquiry directly with Experian and explained that I did not give permission for this company to access my personal credit information. Despite notifying Experian, the inquiry still remains on my file. This unauthorized access is a violation of my consumer rights, and I am requesting further assistance to have this corrected.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This account was cleared in full, but the report still lists it as having late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
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 2025-11-21 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: FL

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
On XX/XX/2025, I went to utilize my credit card from Barclays and it was denied due to me being over my credit limit. There was no way this was possible as I had just paid down my card the month before substantially. I went to review the transactions and realized that there was purchases made on my account during XXXX that I had not authorized. I called the company as soon as I realized and they opened a fraud claim. The lady on the phone even agreed that someone or something was happening with my account. The account was closed and credit issued during the investigation. I also inquired about how a credit card company would allow a {$26000.00} dollar charge to may account without even notifying me of flagging the transaction. Not to mention that this charge amongst the others put me over my credit limit. How does a company not protect its consumers? 
I received a notification in my app from the company that they have reviewed my claim and found it not fraudulent because it was " consistent '' with other purchases. I do agree that I have bought from this merchant frequently and also recently. However, never in an amount that would even be remotely close to XXXX, highest was maybe XXXX. 
I also immediately cancelled and flagged every single card I had with any company. The app that was used to make the purchase, I logged in, changed my password that same day and then deleted my account to never log in again. Which was frustrating as I was building a social platform for myself. I NEVER authorized a purchase of this amount. Also, i had just paid down my credit card the month prior by XXXX or more as an effort to reduce interest and payments. 
I called the company again on XX/XX/2025. The individual told me to final an identify theft report. However, I didn't feel like the XXXX instance of my account getting hacked would prove I had identity theft as it only related to the card i had linked through the application. Another letter was received that they denied any fraudulent charges. I called back and reasserted to have the claim re opened and reviewed. Not even XXXX  days later they closed my claim again. All while I'm trying to make payments so that my credit does not get impacted even more than it already has with this fraud charge. The company can not even provide me with any other information other than it was " consistent. '' I do not understand how an outrageous amount is consistent seeing as though it was never done before.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am filing a complaint against XXXX XXXX, a representative of J.P. Morgan Chase Portfolio Management Center for violating the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, XXXX XXXX sent me an unsolicited email attempting to use me as a conduit to reach my brother about an alleged corporate debt. 

I am not the debtor, and I am not a co-signer on any debt related to my brother. I have never dealt with J.P. Morgan nor given them permission to contact me. 

Despite this, the collector contacted me by email on XX/XX/year>, and instructed me to tell my brother to call them. 

This communication is illegal for several reasons : Under 15 U.S.C. 1692b, a debt collector may contact a third party only once and only to obtain location information. They may not ask the third party to relay messages.

They disclosed the existence of a debt by asking me to have him return their call.

They contacted me electronically without my permission, violating 15 U.S.C. 1692b and 1692c ( b ). They attempted to use me as an intermediary, which the FDCPA expressly prohibits. 

I have attached a copy of the email they sent me as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a citi strata card. On XX/XX/year> I received and email from citi that my card was blocked. They requested a form XXXX from me and I sent it, it was delivered on XX/XX/XXXX. Here is the tracking number XXXX from usps. I sent my form before the deadline. On XX/XX/year> I called citi to check if they processed my form, but instead they told me that my account is closed. I tried to figure out why and they didn't even gave me any information. I think it is unfair towards me and I want them to treat me as all other customers and reopen my card.

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 2025-11-21 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

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 2025-11-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am reaching out to formally request an urgent resolution under the Fair Credit Reporting Act. This correspondence serves as a notification of identity theft and fraud, prompting a need for immediate action concerning my consumer credit report. As per FCRA XXXX, I am seeking the removal of specific fraudulent information within the stipulated XXXXbusiness-day timeframe.The fraudulent activity involves the following unrecognized hard inquiries appearing on each of my consumer FICO credit reports. These fraudulent and unrecognized, unauthorized hard inquiries are as follows ( XXXX XXXX  XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX/XXXX ) These inquiries are fraudulent and I demand they be removed from each of my consumer credit reports pursuing to my rights within the FCRA and the FDCPA laws. I have given no permission or permissible purpose for these items to be reported on my credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: OH

Complaint narrative:
I am reaching out to formally request an urgent resolution under the Fair Credit Reporting Act. This correspondence serves as a notification of identity theft and fraud, prompting a need for immediate action concerning my consumer credit report. As per FCRA XXXX, I am seeking the removal of specific fraudulent information within the stipulated XXXXbusiness-day timeframe.The fraudulent activity involves the following unrecognized hard inquiries appearing on each of my consumer FICO credit reports. These fraudulent and unrecognized, unauthorized hard inquiries are as follows ( XXXX XXXX  XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX/XXXX ) These inquiries are fraudulent and I demand they be removed from each of my consumer credit reports pursuing to my rights within the FCRA and the FDCPA laws. I have given no permission or permissible purpose for these items to be reported on my credit profiles.

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 2025-11-20 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-21 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2025-11-21 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: VA

Complaint narrative:
I am writing to dispute multiple unauthorized inquiries on my credit report. These companies pulled my information without my permission, and I did not apply for credit with any of them. I take my rights as a consumer very seriously, and seeing these inquiries appear without my consent is extremely stressful, especially given everything else Im already dealing with. This is a clear violation of my privacy and has caused me unnecessary anxiety.

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 2025-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: MCCUE MORTGAGE COMPANY, THE
State: CT

Complaint narrative:
My mortgage company is charging late fees even though I am paying the mortgage at the last day : XXXX of each month. I asked them about it. They said the cut off time is XXXX, but other time they said the cut off time is XXXX. I pay via online.

Company response to consumer: Closed with explanation