vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: U.S. BANCORP
State: IL

Complaint narrative:
Subject : Urgent Complaint Regarding Unfair and Possibly Fraudulent Credit Card Practices I am writing to formally lodge a complaint regarding what I believe to be unfair and potentially deceptive practices related to a cash advance I took on my US Bank credit card. 

In good faith, I took a {$2000.00} cash advance a couple years ago with the intention of repaying it promptly. Despite consistently paying more than the minimum payment each month, I was shocked to see my balance continue to grow instead of decrease. When I contacted US Bank, I was informed that I could not pay off the cash advance portion until the entire card balance was paid in full. This policy was never clearly disclosed to me and is, in my view, deeply unfair and predatory. 

Over time, my cash advance balance ballooned from {$2000.00} to over {$19000.00}. I have been charged interest rates as high as 30 % monthly, with interest compounding on the principaleven though I have been making regular payments. This practice appears to violate basic principles of fair lending and may constitute deceptive or even fraudulent behavior. 

Other credit card issuers typically apply payments above the minimum toward higher-interest balances like cash advances. They also do not allow the principal to grow uncontrollably if monthly payments are being made. I do not understand what kind of accounting or interest calculation method US Bank is using, but it has caused me severe financial distress. 

I respectfully request a thorough investigation into this matter. I believe I am not alone in experiencing this issue, and I urge you to consider the broader implications for other consumers who may be similarly affected.

Thank you for your attention to this serious concern. I look forward to your prompt response and resolution.

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 2025-12-16 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: FL

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 2025-12-16 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: WI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-16 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: WI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
Subject : Immediate Action Required : Dispute of Inaccurate Information Due to Data Breach To Whom It May Concern, I am writing to formally dispute the inaccuracies on my credit report resulting from a recent data breach. This breach has compromised my personal information, leading to unauthorized accounts and inquiries that are damaging my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information that is inaccurate or incomplete. 

The following entries are a direct result of this breach and must be investigated and removed immediately : Unauthorized Accounts and Unauthorized Inquiries : XXXX. XXXXXXXX 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CT

Complaint narrative:
Received XXXX gift cards for my birthday. XXXX of the vanilla gift cards were used and funds removed from a XXXX  location while in my possessions. I live in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: CO

Complaint narrative:
I was sent a bill from XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and informed them I did not open an account with them or buy any devices. I have only used XXXX as my carrier. They told me they would forward the information and resolve it. Then I get a letter informing me they have sold the debt to a collection company. I received a letter from the collection company and called them. I informed them that I had spoken to XXXX XXXX XXXX to dispute this account. As of XX/XX/year>, the collection company put the debt on my credit.

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 2025-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Innovative Recovery regarding a collection account they are reporting. I previously disputed this account and formally requested proper debt validation, which I did not receive. 

I have spoken with multiple representatives at Innovative Recovery regarding this matter. During a prior phone call, the call was disconnected after I referenced my consumer rights related to debt validation and credit reporting. 

I am attempting to resolve this account because my mortgage lender requires that it be paid and deleted from my credit reports in order to proceed with underwriting. A representative at Innovative Recovery stated that documentation confirming deletion would only be provided after payment is made. 

This prevents me from satisfying lender requirements and places all risk on the consumer, especially given that proper debt validation has not been provided. I am ready and willing to resolve this account immediately if written confirmation of deletion from XXXX, XXXX, and XXXX  is provided prior to payment. 

I attempted to contact Innovative Recovery again today using the extension provided, but there was no answer. 

I am requesting that Innovative Recovery either : Provide proper debt validation and written confirmation that the account will be deleted from all credit bureaus upon payment, or Cease reporting this account if they are unable or unwilling to comply

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cashapp closed my account and kept funds stating there's no way to retrieve them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding Capital One Auto XXXX handling of a request for temporary payment assistance. 

I contacted Capital One to request a one-month payment deferment or loan extension for my auto loan payment due on the XXXX due to a temporary financial hardship. I have never missed a payment on this account and this was my first request for any type of assistance. 

During the call, the representative I spoke with had a very strong accent and it was extremely difficult for me to understand her. I tried to answer her questions as best I could, but I am not confident that I answered everything correctly due to the communication difficulties. 

My request was denied, and I was not provided with a clear explanation as to why I was ineligible or whether any alternative options were available to keep my account in good standing. 

My intent was to proactively avoid a late payment and any negative credit reporting. I am requesting clarification of XXXX XXXX  eligibility criteria for payment assistance and a review of my account to determine whether any reasonable alternatives ( such as a due date change or other short-term relief ) are available. 

I am not disputing the loan itself, but I am requesting transparency and a good-faith review of my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with XXXX  credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

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 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PRIMARY RESIDENTIAL MORTGAGE
State: UT

Complaint narrative:
They HAVE DONE ABSOLUTELY NOTHING ON MY ASSUMPTION- IT HAS BEEN XXXX  MONTHS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! PRMI NEED TO BE SHUT DOWN, BUNCH OF INEPT SCAMMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code
1681b.

I demand that the following items be deleted immediately from my credit report :

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 2025-12-16 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: CA

Complaint narrative:
Filed disputes with Experian, Experian removed two collection accounts from ( XXXX XXXX XXXX ) yet they did not update my score, has been more than 60 days. 
Filed another dispute regarding a late payment on my XXXX credit card, Experian failed to properly investigate. 
Filed several disputes and Experian failed to validate and to give me proof. 
Experian is not allowing me to look up older reports to compare even though I paid for 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 2025-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Revolut Technologies Inc.
State: IL

Complaint narrative:
I am filing a complaint against Revolut regarding denial of access to its XXXX XXXX product without a clear or reviewable explanation. 

On or about XX/XX/year>, I attempted to open a XXXX XXXX in the Revolut app. After entering my personal details, the app displayed an error message stating, Youre not eligible for this XXXX XXXX, with no additional explanation. I then contacted Revolut customer support through the inapp chat. An agent ( identified as XXXX ) confirmed that I was being denied due to unspecified eligibility criteria set by Revoluts partner bank, but repeatedly stated that they could not see or share the criteria, could not tell me which requirement I supposedly failed, and could not escalate my request to anyone who could review or explain the decision. 

Revolut is effectively offering a savings account product but refusing to disclose the underwriting or eligibility criteria it is using, while also blocking any escalation or reconsideration. This makes it impossible for me to understand or correct any issue in my application, and it appears inconsistent with basic principles of transparency and fair treatment in consumer financial services. I am requesting that the CFPB require Revolut and its partner bank to : ( 1 ) disclose the specific eligibility criteria used for this XXXX XXXX product ; ( 2 ) provide me with a clear, individualized explanation of why my application was denied ; and ( XXXX ) review whether Revoluts current practice of denying consumers without disclosing criteria or offering meaningful escalation complies with applicable consumerprotection laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: JDJ Investments, INC.
State: WI

Complaint narrative:
XXXX has now also been turned into The Department of XXXX XXXX & the Attorney General. 

XXXX  prior response intentionally avoided addressing the validation mandated by federal law. XXXX failed again to provide legally required debt validation-continuing violations. This correspondence serves as a FINAL VALIDATION DEMAND. Your refusal to validate this alleged debt places your organization in ongoing, documented violations of the laws. XXXX has been sent many certified letters since XX/XX/XXXX requesting for federal level debt validation. XXXX responded back to CFPB that they sent a timeline of attempts showing harassment by there company with calls & letters requesting information, but have failed to comply with the debt validation letters sent certified. I have wasted a lot of money sending certified letters to your organization only to be ignored. Be advised : the FTC has clarified that statement print outs, billing/payment screenshots, or generic account summaries DO NOT constitute valid documentation for verification. Failure to supply, authentic, original documentation is a federal violation. XXXX has ignored my previous certified mail attempts to verify this debt, by sending me illegal documents to both me & all ( 3 ) credit bureaus. Be advised : XXXX was sent a cease & desist letter on XX/XX/XXXX and was given ( XXXX ) days to provide federal level legal validation. Your ( XXXX ) days have expired. You are required to send me ( 8 ) things which I clearly posted in the cease & desist letter. This account is formally DISPUTED. Any continued collection activity, credit reporting, or third-party disclosure without full validation will be treated as additional, documented violations. FDCPA Violations Include : 15 U.S.C. 1692g ( b ) - Failure to cease collection activity 15 U.S.C. 1692e - False or misleading representations 15 U.S.C. 1692f - Unfair or unconscionable practices 15 U.S.C. 1692c ( c ) - Unlawful communication after cease notice FCRA Violations Include : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i 15 U.S.C. 1681s-2 ( b ) The original fourteen ( 14 ) day deadline remains in full force and effect, & has elapsed. No extension has been granted. Absent immediate compliance, I am prepared to file complaints with the CFPB, FTC, and State Attorney General, and to pursue all civil remedies available. Govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: MD

Complaint narrative:
I obtained a copy of my consumer report and notified your agency multiple times ; about the items I disputed. I sent my notice to your agency, which included an FTC Identity Theft Report, and filed a complaint with the CFPB. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me as required by 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