vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XX/XX/XXXX - {$4200.00} XXXX XXXX - XX/XX/XXXX - {$1600.00} XXXX - XX/XX/XXXX - {$2800.00} XXXX XXXX - XX/XX/XXXX - {$860.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$940.00} XXXX  - XX/XX/XXXX - {$590.00} XXXX - XX/XX/XXXX - {$860.00} Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
Subject : Identity Theft Dispute and Request for Immediate Blocking of Fraudulent Account Under FCRA 605B To Whom It May Concern, I am writing to formally dispute and demand the immediate removal and permanent blocking of a fraudulent collection account that has been reported on my credit file. This account was opened without my knowledge or consent, and it is the result of identity theft. 
Disputed Information XXXX XXXX XXXXXXXX Name : XXXX XXXX XXXX Partial Account Number : XXXX * Reported Balance : {$1700.00} XXXX  Credit Reporting Agency : TransUnion ( also presumed to be reported to Experian and Equifax ) XXXX did not authorize this account, never applied for credit with this company, and have no knowledge of this debt. I have already filed an official identity theft report through the Federal Trade Commission at IdentityTheft.gov, in compliance with the Fair Credit Reporting Act ( FCRA ).

Legal Basis for Dispute : Under FCRA Section 605B [ 15 U.S.C. 1681c-2 ], you are required to block any information resulting from identity theft from appearing in a consumers credit report within four ( 4 ) business days of receiving : 1. A copy of the identity theft report filed with the FTC or law enforcement, 2. Proof of identity ( government-issued ID and utility bill ), 3. A written statement disputing the fraudulent account, 4. A request for the information to be blocked.

This letter serves as my formal request for the immediate blocking and deletion of the above-referenced account from my credit file. Failure to comply may constitute willful noncompliance with the FCRA and could result in legal action and formal complaints filed with the CFPB and Attorney Generals Office.

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 2025-08-02 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: GA

Complaint narrative:
Subject : Identity Theft Dispute and Request for Immediate Blocking of Fraudulent Account Under FCRA 605B To Whom It May Concern, I am writing to formally dispute and demand the immediate removal and permanent blocking of a fraudulent collection account that has been reported on my credit file. This account was opened without my knowledge or consent, and it is the result of identity theft. 
Disputed Information XXXX XXXX XXXXXXXX Name : XXXX XXXX XXXX Partial Account Number : XXXX * Reported Balance : {$1700.00} XXXX  Credit Reporting Agency : TransUnion ( also presumed to be reported to Experian and Equifax ) XXXX did not authorize this account, never applied for credit with this company, and have no knowledge of this debt. I have already filed an official identity theft report through the Federal Trade Commission at IdentityTheft.gov, in compliance with the Fair Credit Reporting Act ( FCRA ).

Legal Basis for Dispute : Under FCRA Section 605B [ 15 U.S.C. 1681c-2 ], you are required to block any information resulting from identity theft from appearing in a consumers credit report within four ( 4 ) business days of receiving : 1. A copy of the identity theft report filed with the FTC or law enforcement, 2. Proof of identity ( government-issued ID and utility bill ), 3. A written statement disputing the fraudulent account, 4. A request for the information to be blocked.

This letter serves as my formal request for the immediate blocking and deletion of the above-referenced account from my credit file. Failure to comply may constitute willful noncompliance with the FCRA and could result in legal action and formal complaints filed with the CFPB and Attorney Generals Office.

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 2025-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: MI

Complaint narrative:
I have been a long time customer with the Dave app. I needed some cash, so I took another advance. I tried to get in contact with them about revoking ACH payments as that is my right. They have either not answered my emails or when they have, they are denying my right to do so. They said it is against their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am filing this complaint against US Bank due to their improper handling of a dispute regarding a partial food delivery from XXXX XXXX. Despite clearly stating that I never received a portion of my order, US Bank repeatedly mischaracterized my claimfirst suggesting it was about returned merchandise and later about items that did not match the description, neither of which is accurate. Each time I addressed this with customer service, I was promised the dispute would be reprocessed, but the same errors and automated responses continued. Most recently, I was told by letter that more information was needed, although no such request was made to me. When I called for clarification, I was told no immediate help was available.

US Bank has failed to comply with Regulation E and the CFPBs requirements for timely and good faith dispute resolution, instead creating a confusing and obstructive process that has not addressed my legitimate claim. 


XX/XX/year> - Placed an order on XXXX XXXX  and it was partially delivered, missing an item. Contacted the merchant who did not resolve it. 

XX/XX/year> - Opened a dispute with US Bank for {$21.00}. 

XX/XX/year> - Received a letter stating " There is insufficient information supplied to support your claim of returning merchandise to the merchant. ", however I did not claim to return merchandise to the merchant. I called to address this and they said they would reprocess the dispute. 

XX/XX/year> - Received a letter stating " There is insufficient information supplied to support your claim of receiving merchandise or service that did not match the merchant 's description at the time of purchase. ", however I did not claim that the merchandise did not match the description. I did not receive the merchandise I ordered! I called again and they said they would reprocess it. 

XX/XX/year> - Received a letter stating " On XX/XX/year>, we requested information from you and we have not received a response ''. However, no additional information was requested from me. 

XX/XX/year> - I called and the phone agent said he was unable to assist and suggested I speak directly with the person processing the claim who is not currently available.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/2025, a hacker ( XXXX ) remotely used my computer and stole a volume of my credentials and have used it to steal a large amount of money from my accounts such as XXXX, Bank of America, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX and more. My Identity has been stolen since this person or persons, is currently using it to sign up for credit cards, bank loans and business accounts. Also, this individual mightve already sold my information such as private accounts, business accounts, social median accounts, personal accounts, work accounts and others.

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 monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
Based on the comparison of the two Apple Card statements you provided : Summary of the Issue : XX/XX/XXXX Statement ( Sep 130, 2024 ) : Total balance : {$990.00} Minimum due : {$83.00} Apple Card Monthly Installment only ( no interest shown ). 
No Apple Card transaction minimum payment due. 
Payoff warning : 12 months to pay, {$990.00} total, implying no interest. 
XX/XX/XXXX Statement ( Jul 131, 2025 ) : Balance : {$410.00} Minimum due : {$100.00} Includes {$25.00} in Apple Card transactions ( this may be unrelated to the original {$990.00} ). 
Monthly Installment : {$79.00} Payoff warning : 17 months, {$480.00} total, interest is now being charged. 
This contradicts the prior no interest structure of the original {$990.00} installment. 



Potential Predatory Practice : The original {$990.00} purchase was offered as interest-free ( typical of Apple Card Monthly Installments ). 
Goldman Sachs appears to have unilaterally altered the terms, retroactively applying interest. 
This may violate Truth in Lending Act ( TILA ) or consumer contract laws, especially if no written amendment or notification was provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB, I am requesting your assistance in removing inaccurate debts, collections, and outdated addresses from my credit report. Several accounts appear to be errors or not mine, and old addresses listed are no longer valid or recognized. 

These inaccuracies are harming my credit and affecting important aspects of my life. I respectfully request a full review and removal of any unverifiable or incorrect information in accordance with the FCRA. 

Thank you for your support.

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 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Klarna AB
State: VA

Complaint narrative:
Klarna agreed to waive a fee related to an order from a clothing company, confirming resolution. However, despite the waived fee, the promised refund was later intercepted or withheld with no formal explanation besides them saying the clothing company owed them. This contradicts previous Klarna communications and violates fair transaction practices. I attempted resolution directly and requested clarification but received no response. All documentation including fee waiver confirmation and transaction records is available. This is a pattern of misleading resolution followed by refund interception. Requesting CFPB involvement to recover the refund and investigate Klarnas practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against ( Portfolio Recovery ), a debt collection agency, for multiple violations of federal law, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and IRS reporting regulations. 
Background : Portfolio Recovery International is reporting a debt on my credit report that I have formally disputed and requested validation for. Despite my timely written request under 15 U.S.C. 1692g ( b ), Portfolio Recovery failed to provide adequate validation of the debt and continued their collection efforts and reporting to credit bureaus.

Additionally, if the debt was in fact canceled or written off by the original creditor and reported to the IRS via Form 1099-C, Portfolio Recovery is prohibited from continuing to collect or report this debt. I have not received a copy of this alleged 1099-C, and Portfolio Recovery has failed to confirm whether such a form was ever issued.

Violations of Federal Law : 1. FDCPA Violations ( 15 U.S.C. 1692g ( b ), 1692e, 1692f ) : Continued collection and reporting activities without validating the debt.

Misrepresentation of the legal status of the debt.

Use of deceptive or unfair collection practices.

2. FCRA Violations ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681i ) : Reporting inaccurate information to credit bureaus.

Failure to properly investigate my dispute.

Refusal to remove or correct the disputed item after being notified of the error.

3. IRS Reporting Law ( 26 U.S.C. 6050P ) : If a Form 1099-C was issued, Portfolio Recovery is misrepresenting the debt by continuing to report and attempt to collect it.

If no 1099-C was issued despite claiming the debt was canceled, they may be in violation of IRS regulations .

Supporting Case Law : Clark v. Capital Credit & Collection Services , Inc., 460 F.3d 1162 ( 9th Cir. 2006 ) Zell v. JPMorgan Chase Bank, N.A., No. 15-cv-08326 ( C.D. Cal. 2016 ) In re Reed, 492 B.R. 261 ( Bankr. E.D. Tenn. 2013 ) Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) Requested Action : I am requesting that the CFPB : Investigate Portfolio Recovery for violations of federal law.

Compel Portfolio Recovery to provide full and complete validation of the alleged debt, including the name of the original creditor, the signed contract or agreement, and any 1099-C issued.

Require immediate removal of this item from all credit reporting agencies if Portfolio Recovery can not provide the legally required documentation.

Impose appropriate penalties for violations of the FDCPA, FCRA, and any applicable tax laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: GA

Complaint narrative:
I filed a complaint about this bank not honoring the new account bonus, {$200.00}. Since then I have been locked out of my account. My username and password do not work from thier website login. I accessed the CHAT feature, which says XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they will not respond there. Is this retaliation for filing a complaint against them? I need access to my funds in the account but I can't get access to it....... why? They have not sent me an email or called to tell me that my account is locked.

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 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I tried to use my reward points through the citi mobile app and I was not able to use my points. I called asked them why I was not able to use my points and they could not help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
XX/XX/year> I received email from credit Karma that I had a hard inquiry from capital one. I logged in to make sure that information was correct and notice that yes I had hard inquiry and credit drop XXXX points. I called capital one because thats were the inquiry is coming from according to credit karma and they stated they didnt find anything with social security and they stated I should tried to dispute on credit karma if it allowed me. I have not check my credit trough Capital one at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: CO

Complaint narrative:
I am writing to formally dispute and request the immediate investigation and removal of several unauthorized and inaccurate accounts currently appearing on my Equifax, Transunion & Experian credit report. As a verified victim of identity theft, I previously filed a fraud alert with the major credit bureaus beginning on XX/XX/year>, and my credit report reflects that warning. Despite this alert, I am still being affected by accounts that were either opened or reported fraudulently, or accounts that are inaccurate and unverifiable. I did not authorize, open, or make payments on several of these accounts. In accordance with the Fair Credit Reporting Act ( FCRA ) 605B and 611, and protections under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the permanent deletion of the following derogatory accounts from my Equifax report : Disputed Accounts : XXXX XXXX * * * * Status : Charged Off Balance : {$2500.00} Not my account appears fraudulent XXXX CARD XXXX * * * * Status : Charged Off Balance : {$3000.00} I do not recognize or authorize this account. XXXXXXXX XXXX XXXX XXXXXXXX * * * * Status : Charged Off Balance : {$1600.00} This account was not opened by me. Please consider this letter my formal dispute. These accounts either resulted from fraud or are inaccurately reported and must be deleted. Under FCRA 611, if Equifax and the furnishers of this information can not provide verifiable proof within 30 days, the disputed data must be removed from my report. Additionally, as a victim of a known breach involving Equifax and due to the ongoing impact of identity theft, I would like these accounts blocked and removed from my report! Please confirm receipt of this dispute and notify me of the outcome in writing. You may also send an updated credit report reflecting the changes. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
I requested my payment history for my student loans from XXXX thru XXXX. XXXX is the current servicer of the loan and supplied payment history starting XXXX, and told me to request prior history from XXXX for XXXX. That company is now Granite Edvance, which told me that I need to ask XXXX. I would like my payment history in full, and either the former servicer or current servicer should supply it.

Company response to consumer: Closed with explanation