vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing this complaint because my credit card dispute was unfairly denied. I paid {$180.00} for concert tickets via XXXX ( XXXX XXXX  ) on XX/XX/year>. The event was scheduled for XX/XX/year>. I never received the tickets and therefore did not receive any benefit from the transaction. Despite this, the card issuer declined my dispute in XXXX 2025, claiming I had received the service. 
On XX/XX/year>, I purchased concert tickets through what I believed was XXXX. The charge appeared on my statement as XXXX XXXX, a name I did not recognize. Between XXXX and XXXX, I contacted XXXX customer service multiple times. Each time, they said they had no record of my order. Without any tickets or confirmation, I reasonably suspected fraud and filed a dispute with my credit card company in late XXXX. 

On XXXX XXXX 3 days before the concertI was finally told by an XXXX agent that their event ticketing is handled by a different department under the name XXXX XXXX. I contacted that department and was told they found my order, but I could no longer redeem the tickets due to the open dispute. This was the first time I was made aware of the separate entity. 

In XXXX, I was notified that my dispute had been denied because I had received the benefit of the purchase. However, I never received tickets and was not able to attend the event. This is an incorrect conclusion. 

The denial failed to consider : I made multiple attempts to resolve the issue with the merchant ( XXXX ). 
The merchants own customer service could not locate my order for months. 
I was never provided the product I paid for. 
I did not attend the concert and received no benefit. 

The merchants internal communication issues prevented me from resolving this prior to the event, and I believe I acted in good faith throughout. I am seeking a full refund of {$180.00} as I did not receive the service I paid for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent attempt to collect a debt from me. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested full validation of this debt. However, what you have provided falls well short of the legal requirements.

Specifically, you have failed to provide the following : Chain of title Assignment agreement from the original creditor Original promissory note Legal proof of ownership of the debt IRS Form 1099-C ( if applicable ) Instead, you have only submitted recycled account statements and vague information, which does not meet the standards for proper validation under the FDCPA and does not establish your legal right to collect. 

Until and unless full validation is provided, you are to cease all collection efforts, including any credit reporting or legal action. Continued attempts to collect without proper validation may constitute a violation of the FDCPA, and I reserve the right to take legal action and file complaints with the CFPB, FTC, and the Attorney Generals office. 

This letter is being sent for the purpose of full documentation. Please communicate with me in writing only. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
Here is a legal letter template you can send to the Consumer Financial Protection Bureau ( CFPB ) when filing a formal dispute to request the removal of inaccurate or unverified debt from your credit report. This letter is structured to support your claim under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 



[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX NY XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/XXXX ] To : Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Dispute of Unverified/Inaccurate Debt on Credit Report Dear CFPB Representative, I am submitting this formal complaint and request for investigation regarding an inaccurate and unverified debt that is currently being reported on my credit report. This alleged debt violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX ] and the Fair Debt Collection Practices Act ( FDCPA ) [ XXXX XXXX. XXXX ]. 

Below are the details of the disputed item : XXXX Name : [ XXXX XXXX XXXX cards, XXXX ] Account Number/Reference XXXX [ Insert Account Number ] Amount Reported : [ {$6700.00}. and {$4500.00} {$12000.00} Credit Bureaus XXXX : [ Experian, Equifax, XXXX all that apply ] I have formally requested that the creditor and/or collector provide proper validation of this debt, including : XXXX. A copy of the original contract or agreement bearing my signature XXXX. The name and address of the original creditor XXXX. An itemized breakdown of the balance XXXX. Proof of legal authority to collect or report the debt To date, no such validation has been provided, yet the debt remains on my credit report, causing significant harm to my creditworthiness and financial stability. This is in direct violation of the FCRA and FDCPA, which require accurate, fair, and substantiated reporting. 

I am requesting the CFPB to investigate this matter and require the furnisher and/or credit bureau XXXX XXXX : Provide full, legally sufficient validation of the debt, OR Immediately delete the account from my credit report ( XXXX ) due to failure to validate. 

Attached are copies of the letters I sent to the creditor and credit bureaus, along with my credit report showing the disputed item. 

I appreciate your prompt attention to this matter and request a written resolution of this complaint as soon as possible. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] XXXX ( last XXXX digits only ) : XXX-XX- [ XXXX ] Date of Birth : [ XX/XX/XXXX Removal of all Inquiry details : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COMENITYBANK/KAYJEWE XX/XX/XXXX 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I signed a contract with XXXX XXXX that noted in writing that our purchase through their credit card would be 24 months interests free. XXXX setup paperless billing as they requested and set to pay the amount of {$600.00} automatically every month, starting XX/XX/XXXX. I never missed a single payment and they received the automatic payment on the XXXX of every month. I went to check my account balance this past month to confirm the final payment I needed to make in XXXX and noticed that my balance was not adding up to my contracted rate. 

I then found that I was charged interest after only 12 months, which was XX/XX/XXXX. I was charged the full interest of XXXX and then each month since then I have been charged a monthly interest rate, those amounts are noted below. I have been told that XXXX XXXX  is the financer for XXXX XXXX and the only allowed 12 months interest. This isn't noted in my XXXX XXXX contract and I was never show these terms from XXXX Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: U.S. BANCORP
State: FL

Complaint narrative:
My son passed away in XXXX. He had a XXXX XXXX XXXX with U.S. Bank. His roommate wanted to assume the loan and we were more than XXXX with this process. We made sure that the loan was assumable with U.S. Bank. They said my son had a second mortgage that was an FHA VA down payment assistance loan I called the people who were in charge of that loan and they said that they would OK the loan be assumable by the buyer if it was OK with U.S. Bank. I contacted U.S. Bank in XX/XX/XXXX and all of this was approved. We did a sales contract and ever since then this loan has been delayed. All I wan na do is get rid of this house because it was my sons house and its heartbreaking and because of the memories, the XXXX XXXXXXXX that my buyer was using went on maternity leave and no one addressed to this loan. This loan has been sitting there and no one has been doing anything theyre finally trying to get closing documents but now theyre telling my buyer he owes {$13000.00}. We have tried to reach the loan officers and the XXXX XXXX XXXXXXXX, and no one has contacted us. Now my buyer is being transferred because hes in the XXXX XXXX and he no longer wants to purchase the property so now I have lost a buyer and now I have to go and sell the house. This has been emotionally heartbreaking and frustrating to no avail. I have emailed U.S. Bank I have called them and left messages. No one is answering any of our messages mine or the buyer or the real estate agent. They are not holding up their end of the deal by getting this loan completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NV

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CARCO Group, Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I was employed by XXXX XXXX for approximately XXXX week. Shortly after leaving the company, I discovered that Cisive Driver iQ had added an entry to my report stating that I had been terminated from XXXX as of XX/XX/XXXX. In addition, the report includes a statement under " XXXX or XXXX '' marked as XXXX, although I was never involved in any accident or incident during my brief time with the company. 

Since then, I have applied to multiple major trucking carriers and have consistently received rejections. When I followed up with these employers, they all cited the same issue : my Cisive Driver iQ report shows a termination from XXXX and an accident record, which makes me ineligible for employment. Many told me to return only after gaining at least XXXX months of driving experiencesomething I am unable to do due to the false and misleading information in this report. 

I attempted to dispute the inaccurate information directly with Cisive Driver iQ, but their response was dismissive and unhelpful. They stated that they can not dispute the statement in my report and claimed that it only shows that we ran your background. This contradicts the fact that the report includes damaging and incorrect employment history, which has directly impacted my ability to secure any work in the trucking industry, whether local or over-the-road.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover card ending in XXXX I am submitting this complaint against Discover for inaccurate and incomplete credit reporting, false verbal representations regarding deletion, and failure to provide full debt validation documentation upon request. 

I had a Discover credit card account that was charged off during COVID while I was outside the XXXX and unaware of any delinquency. Upon being contacted by XXXX XXXX XXXX, the collection agency acting on Discovers behalf, I immediately paid the full amount including interest, fees, and international transaction costs in XX/XX/year>. 

At the time of payment, both XXXX and Discover verbally assured me that the account would be deleted from my credit report upon payment. However, the account remains on my report as a charge-off with a {$0.00} balance, harming my credit score for over 6 years. 

I have repeatedly requested complete debt validation, including : Full transaction history Payment breakdown Chain of title and collection authority Copy of the original signed contract Discover has refused to provide any of this documentation and instead sent generic response letters merely stating that the debt was mine and it was paid. This fails to meet proper validation standards under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA 623.

Additionally, Discover may be in violation of the Gramm-Leach-Bliley Act ( 15 U.S. Code 6802 ) for failure to provide proper disclosure or opportunity to opt-out before sharing my private account information with a non-affiliated third party, XXXX XXXXl. 

Their continued reporting is inaccurate, unverifiable, and deeply harmful. I respectfully request immediate deletion of this account from all credit reporting agencies, as it has been resolved in full for years and is now being used punitively despite lacking proper validation or legal justification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NE

Complaint narrative:
I believe my FCRA rights were violated in the collections process. I was contacted by Hunter Warfield via email on XX/XX/year>. I did notice, however, that before contacting me to validate the alleged debt, they posted derogatory information about this account on my Transunion report dated on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a Citi AAdvantage credit card in late XX/XX/year> while booking a flight, based on a promotional offer. However, contrary to some of the promotional material for the card, which implied I could use it for the very booking I was making, I did not receive access to the card immediately, nor in time to use it for the booking, which was urgent. I called Citi the same day to cancel but was told I would need to wait for the account to activate. 

On Saturday, XX/XX/year>, I called Citi customer support to close the account. The call began at XXXXXXXX XXXX XXXXXXXX XXXX and lasted XXXX minutes. I explained clearly and multiple times that I wanted to close the account, as I had not used it and would no longer benefit from the bonus offer, given that I had no further travel plans. The representative repeatedly tried to persuade me to keep the account, despite my repeated verbal confirmations that I wanted it closed. 

After these multiple confirmations, the representative sent me a text message with a link to a webpage labeled account disclosures. The page made no mention of account closure and instead discussed AAdvantage miles expiring in 24 months. The representative asked me to accept the disclosure in order to continue. I questioned its relevance and declined twice. Only then did she proceed to close the account without requiring me to accept the disclosure. 

I later received confirmation by email that the account was closed. However, I feel the process was misleading and unnecessarily difficult. Im concerned that I might have unknowingly agreed to something unrelated to account closure if I had accepted that disclosure. I have also followed up with Citi in writing to formally report the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: GA

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 XXXX. 

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

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
We intend to sell our home and when we contacted Dividend Finance a division of Fifth Third Bank They informed us that in order pay off the alone we would either have pay the entire amount or if the buyer decided to assume the loan they would do a transfer to the prospective buyer. However they told us we would still have to pay a solar incentive payment of {$7800.00} which apparently was issued when we sign the agreement. We were scammed as you can see in previous claims that we have made on this account and we don't want to go through the entire process of telling this over again. The bottom line is they want us to pay this money which we've never received we were told we would get a check for {$7800.00} as the solar incentive which never happened. We are XXXX XXXX XXXX XXXX XXXX that were scammed by a fictitious bankrupt XXXX XXXX company and now they want us to pay back {$7800.00} if we sell the home when we do our income tax we do not have to pay anything so we don't have solar credit.

Company response to consumer: Closed with explanation