vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Duvera Billing Services, LLC
State: VA

Complaint narrative:
Company : EasyPay Finance I am filing this complaint regarding what I believe to be predatory lending and deceptive practices by EasyPay Finance. 

I financed a purchase of {$2600.00} through EasyPay at a XXXX XXXX ( XXXX XXXX XXXX XXXX ) with the understanding that I had a XXXX promotional period to pay off the balance with minimal finance charges ( no more than {$40.00} ). I made regular payments of {$170.00} twice per month and was never informed clearly that the vast majority of those payments were going strictly toward interest, with almost no reduction in principal. 

Unfortunately, I missed the payoff deadline by a short margin ( the rebate expiration was XX/XX/year> ), and now I am being told that my XXXX is 148.99 %, which is outrageous and entirely predatory. As of XX/XX/year>, after paying more than {$1400.00}, I still owe nearly the full original amount of {$2600.00}. 

This type of business model exploits consumers by disguising extremely high interest rates behind promotional language and hidden terms. I feel completely misled and scammed by this financing structure. 

I am requesting the following : A reinstatement of the XXXX promotional terms ( or a fair settlement ) A full review of EasyPay Finances lending practices Consumer protection action, if deemed appropriate I am happy to provide supporting documents, screenshots, and payment records if needed. 

Thank you for reviewing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-22 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NC

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$1500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX  ( also known as XXXX XXXX XXXX ) sent a debt for XXXX dollars to Pro collect inc. I received this letter in XXXX from Pro collect after moving out of the XXXXXXXX XXXX on XX/XX/XXXX at the end of my lease. I tried calling the apartments but of course they wouldnt answer so I reached out to the debt collectors which I was told the XXXX sent them the debt telling them I refused to pay ( ( which is a lie because they had all of my forwarding info and I was never contacted ). The XXXX also did not send me the move out sheet 30 days after I moved out telling me where my deposit was going. After several attempts of reaching out to the apartments I submitted my paperwork to the debt collectors ( bank statements proving I paid my last 2 months rent ). I also saw that there was a fraudulent 30 days notice in my documents section in my old apartment portal which I never received either. I got no response from Pro collect about the results of the dispute until I called back and asked and was told the XXXX said it was valid. I also asked how that was possible and was hung up on for arguing. I broke down and went to the XXXX to go over the ledger with XXXX the property manager and it ultimately resulted in an error on my ledger. It was cleared and she signed a new ledger for me to email to pro collect which I did the same day. Fast forward to now, pro collect says the XXXX has until the XXXX to answer then it they will continue with collections which will hurt my credit. I am also in need my my deposit from the XXXX but they dont answer phones and Ive been more than understanding trying to fix the issue locally but I am about to seek legal action on them.

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 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Online Dispute : Violation of FCRA, FACTA, TILA, UCC Subject : Urgent Demand for Deletion of Unverified and Inaccurate Collection Accounts Under FCRA, FACTA, TILA, and UCC To Whom It May Concern, This is a formal demand for the immediate removal of four negative accounts from my consumer credit report, which are being reported in violation of federal law. The listed accounts, being reported by debt buyers without my consent, violate the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Uniform Commercial Code ( UCC ).

Violations Include : 1. FCRA 1681i & 1681s-2 ( b ) : You are legally obligated to conduct a reasonable reinvestigation of disputed information. These accounts have been updated month after month with no substantiating evidence or signed contracts.

2. FACTA : The continued publication of inaccurate, outdated, an
d unverifiable information directly undermines my right to fair and accurate reporting.

3. TILA : There has been no full disclosure of the transfer, terms, or servicing of these alleged debts following assignment from the original creditor.

4. UCC Article 3 & 9 : There is no proof of valid assignment of debt with commercial paper and no endorsement or authenticated evidence that obligates me to these alleged third-party debts. 
Accounts in Dispute : XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  {$670.00} XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX  {$490.00} XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX  {$510.00} XXXX. PORTFOLIO RECOVERY ASSOCIATES Original Creditor : XXXX XXXX XXXX XXXX {$650.00} I never signed any agreement with the listed third-party entities. These accounts are not legally enforceable without proof of a lawful contract and chain of assignment per UCC 3-302 and 9-210.

You are knowingly harming my credit profile by continuing to report unverifiable debt in violation of federal law.

I am demanding : - Immediate reinvestigation of these accounts.- Written disclosure of who verified the information and what documents were used.- Full deletion of each account if not verified within 30 days under FCRA 611.

You are on notice. I am prepared to file formal complaints with the CFPB, FTC, and State Attorney General. Any continued reporting of these unverifiable accounts may be considered willful noncompliance under FCRA 616 and subject to statutory damages. 
Sincerely ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: PR

Complaint narrative:
I previously filed CFPB complaint # XXXX against TransUnion. They failed to validate the disputed accounts and responded verified as reported without providing signed contracts, government ID, IP address, or any legally admissible evidence. XXXX already deleted these same accounts, proving they are unverifiable. This is willful noncompliance and bad faith under FCRA XXXX and a violation of CFPB XXXX XXXX. I demand immediate deletion of all unverifiable accounts or I will escalate to federal court for damages of {$1000.00} per violation.

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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
While visiting XXXX of XXXX XXXX I was overcharged for the services provided. 

I texted the club asking what the XXXX experience would cost, in the text provided ( shared online ) they agreed that the amount was {$1200.00} for an hour plus tip. A XXXX  % tip would bring my total to {$1400.00}. I was charged on multiple cards XXXX bills XXXX ) {$4700.00} XXXX ) {$6200.00}, which are both well beyond the approved amount. 

I was forced, under duress, at this point to sign the receipts with no information on what the extra charges were for. Not only was I overcharged on XXXX accounts and forced to sign but the vendor actually went as far as to take my phone out, open the capital one application, and approve the transaction. 

In order to dispute these claims I tried multiple times to call to request and itemized receipt, to provide answers for the vast variance, and left a voicemail but never heard back. 

I opened a dispute case with XXXX  XXXX XXXX and XXXX XXXX  but neither were willing to protect their consumer because the vendor provided NON-ITEMIZED receipts for the total amounts with my coerced signature. At this point I asked XXXX XXXX to please request the video from inside the establishment that will corroborate these events but they refused. I spoke with XXXX XXXX and XXXX XXXX  XXXX multiple times providing details, information, and any evidence I could on what happened but both establishments were adamant that there was nothing they could do because it was policy ( either theirs or XXXX ) to agree with the vendor versus the customer because they provided a signed receipt, with no actual information on what services/gratuities were included. 

I am extremely disappointed that XXXX XXXX and Bank XXXX XXXX has taken the vendors side in this matter. I was clearly under duress and robbed/exploited by a hostile and seedy vendor and would expect that these companies would protect their customers better.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CO

Complaint narrative:
My credit file contains an incorrect variation of my name that I have never used. This error may lead to misidentification or confusion with someone elses credit history.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FC HoldCo LLC
State: MO

Complaint narrative:
They reporting wrong person information on my credit report I have filed Cfpb complaint and they sent somebody else information and contact information over as response you guys failed to look at what they sent over clearly was another person contract and legal documents

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 2025-07-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
I have purchased multiple Vanilla gift cards from InComm for {$500.00}. When I attempted to make a purchase, the card was locked and for over a month now I have lost access to my funds. 

Upon contacting Customer Service for my XXXX cards which were locked, I was given the case numbers XXXX and XXXX. 

When I lodged a case for these cards I was told that I would receive a refund within XXXX business days. However, I have still been waiting to hear back from InComm with no news of the promised refund via XXXX. I ask InComm to please take action on this case and process the refund check as promised over the phone in a prompt manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Applied Data Finance, LLC
State: DE

Complaint narrative:
This company has called my XXXX regarding a debt that they say is mine, but they have not reached out to me. We have repeatedly asked them not to call his number yet they call at least XXXX or XXXX times a day and leave messages that are clearly from a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am highly concerned about this late payment record, as it does not align with my reliable payment history. This situation is distressing, and I respectfully ask for its prompt removal to ensure my account is updated correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Complainant : XXXX XXXX Email : XXXX Date of Original Dispute : XX/XX/XXXX Most Recent Follow-Up : XX/XX/XXXX Subject : Continued Failure to Reinvestigate and Correct Inaccurate XXXX XXXX XXXX XXXX XXXX this formal complaint against Experian, Equifax, and TransUnion for their ongoing failure to properly address and resolve multiple disputes I have submitted regarding inaccurate and unverifiable information in my credit reports. Despite repeated requests, dating back to XX/XX/XXXX, and a formal follow-up on XX/XX/XXXX, the bureaus have neither corrected the errors nor provided legally required documentation to support the continued reporting of these items. 

Your persistent inaction represents a willful violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of verification upon request 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of the information contained in consumer reports Disputed Accounts Still Unresolved : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$3200.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} Inquiries Still Unverified or Unjustified : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Despite my clear and lawful requests, the bureaus have failed to : Provide the method of verification used in these investigations Disclose the names and contact information of the data furnishers Supply any supporting documentation used to verify or maintain these items on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-22 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/year> -- {$6800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation