vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: NY

Complaint narrative:
I served as a guarantor on my sons lease at XXXX  XXXX  in XXXX XXXX, Indiana. At no point did the property management company notify me in writing that there was an unpaid balance or that they intended to send the account to a collection agency. I never received a statement, demand letter, itemized charges, or any opportunity to resolve the matter directly. 

Separately, the collection agency never sent me any initial communication, by mail or electronically, before attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), the collector must send a written validation notice within XXXX  days of first contact, outlining the amount of the debt, the name of the creditor, and my right to dispute the debt. I never received such notice, and I never received any documentation supporting or validating the amount owed. 

I only learned of this collection activity after the fact, which created significant distress and prevented me from exercising my legal right to dispute or verify the debt. 

I am not disputing that there was some amount owed, and I am fully willing to pay a legitimate balance. However, the collection agencys failure to provide required notices, documentation, or validation prevented me from understanding the validity or accuracy of the claim. 

I am asking the CFPB to require the collection agency to : XXXX. Provide the full FDCPA-required validation notice. 

XXXX. Provide all documents supporting the alleged debt, including the lease, guaranty, itemized charges, and original creditor documentation. 

XXXX. Remove any negative credit reporting, as the debt was placed for collection without proper notice or opportunity to resolve. 

XXXX. Correct all violations of the FDCPA related to failure to notify, failure to validate, and improper collection procedures. 

I am willing to pay the accurate remaining balance once proper documentation is provided and the matter is removed from credit reporting. I am simply requesting that the collection agency follow the legal requirements that should have been observed prior to collecting the debt. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: SC

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TN

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 2025-12-09 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: TN

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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: NC

Complaint narrative:
They closed my account XXXX times. The first time my direct deposit was going through called they said it was an error and pushed my deposit through. Closed my account XXXX times after that and took the funds out my account, swore they sent a check but failed to do that. Still havent resolved 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 explanation
Consumer complaint received 2025-12-10 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: MI

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 2025-12-10 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: MI

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am submitting a complaint regarding unauthorized credit card charges and the issuers handling of my dispute. 

The disputed transactions occurred between XX/XX/XXXX and XX/XX/year>, totaling {$820.00} from XXXX ' and {$75.00} from XXXX XXXX. I reported the fraud promptly on XX/XX/year> after noticing multiple charges from the same vendor. I did not notice at first as there were only a few random immaterial charges, and my wife uses the card also. Once there were more recurring charges is when it stood out. Initially, the issuer reversed the charges and stated they would investigate. 

I did not hear back for months and assumed the matter was resolved. In late XXXX, I received a letter stating I would be held liable because they could not confirm the fraud. I appealed immediately, but again received no response for weeks. On XX/XX/year> ( letter dated XX/XX/year> ), I was informed my appeal was denied. I have contacted the issuer since then without success. 

Despite my timely dispute and cooperation, the issuer denied my claim and stated I am liable. I believe this decision is incorrect and may violate Regulation Z requirements for investigating and resolving billing errors. 

These fraudulent charges appear linked to a data breach involving XXXX XXXX and XXXX XXXX of Illinois and its business associate, XXXX XXXX XXXX, which exposed my personal informationincluding my Social Security numberearlier this year. I received a breach notification confirming this. 

Supporting details : Date first reported : XX/XX/year> Disputed transactions : XX/XX/year> XX/XX/year>, {$820.00} ( XXXX ), {$75.00} ( XXXX XXXX  ) Issuers final denial date : XX/XX/year> I can provide statements, correspondence, and breach documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
On XXXX XXXX On [ insert date ], I received communication from Portfolio Recovery Associates in which their representative stated that they could take or intercept my federal tax refund if I did not pay the alleged debt. Despite the fact that I am already on a $ XXXXper-month payment plan. This statement is false, misleading, and illegal. Debt collectors can not seize or redirect someones federal tax refund unless the debt is owed to the federal government ( such as student loans or IRS debt ), which is not the case here. This is a consumer debt, not a federal obligation. 

Portfolio Recoverys statement was used as a form of intimidation and is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from making false statements, using deceptive practices, or misrepresenting their authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am submitting this complaint regarding my U.S. Bank XXXX XXXX credit card annual fee refund request, which was recently denied. 

The annual fee was charged on XX/XX/year>. I contacted U.S. Bank to request a goodwill refund of this annual fee after I closed the card. The account was closed in good standing, with no outstanding balances. I have been a loyal customer for approximately XXXX  months and used the card actively, including travel, lounge access, and other benefits. 

I was informed that my request was denied solely because more than 30 days had passed since the annual fee was charged. However, no meaningful review of my long-standing relationship, usage history, or special circumstances was conducted. Additionally, many of the cards core benefits were scheduled for significant reductions starting XX/XX/year>, which further reduced the value of the annual fee. 

I made my request politely and in good faith, but was transferred to a manager who directly rejected the request without offering any alternative resolution. I believe this outcome is unreasonable given my history, the benefit devaluation, and the fact that the account was promptly closed. 

I am requesting that U.S. Bank reconsider my case for a goodwill refund of the annual fee based on fairness, customer history, and benefit changes. I am seeking CFPBs assistance to ensure my complaint is reviewed properly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
Several companies have accessed my credit report without authorization, causing direct harm to both my credit and my credit score. I previously contacted your agency regarding this matter and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored, and the inquiries remain. This failure to take action is unacceptable. The continued presence of these potentially fraudulent entries is deeply concerning and raises serious concerns about possible identity theft. This unresolved issue is causing ongoing emotional and financial distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This complaint is not a mistake. Multiple accounts on my credit report contain inaccurate information and are not being reported with the maximum possible accuracy. These erroneous entries are materially misrepresenting my financial history and causing real, ongoing harm to my credit and wellbeing. I have repeatedly raised these issues and they remain unresolved, which is unacceptable. These inaccuracies are weighing on me and interfering with my ability to obtain credit and financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I submitted a complaint in XX/XX/year> regarding this same issue. XXXX XXXX XXXX is claiming that I owe {$490.00}. My internet/cable were being paid with my rent through XXXX XXXX XXXX in XXXX, TX. About XXXX years ago, they changed their policy and we were being charged only for internet. I received a bill from XXXX XXXX XXXX and contacted them and told them the situation and also spoke to the apartment manager. The problem was resolved and I received a final bill of {$0.00} but I continue to receive collection notices from third party debt collectors. I demand this collection item be removed immediately from my credit report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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