vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint with complete certainty and growing frustration. My credit report contains numerous errors that can no longer be overlooked. These inaccuracies are directly harming my credit score and standing in the way of my financial stability and freedom.

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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for a VISA card through Bank of America XXXX XXXX XXXX ). I was interested in the promotion and the {$300.00} on board credit. Upon initially being contacted, I was advised that my credit profile was locked and I needed to have it unfrozen to continue with process. I called the representative after unfreezing my credit and while on the phone the male representative was able to move the application forward. It was at that same time he advised that the application was approved with a credit limit of {$7500.00} ; and that I should receive my card in 7-10business days. I waited well beyond that time line and then received a letter requesting a SS verification form to be completed and a copy of y recent paystub, in which I provided. I again contact a representative ( female ) who advised the documents were received and still being reviewed. I then received an email, advising that I was approved and should receive the card shortly. I received the card in hopes of doing some balance transfers as well as meeting the requirements to received the offers. However, my credit limit was on {$1800.00}. I would have never moved forward had this been told to me initially. This feels like a bait and switch, now with a hit on my credit. This was very deceptive.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
There is an account reporting to my credit report from Caine & Weiner, acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$210.00}. I've sent a verification letter, a follow up letter advising it is not mine and to date they have not responded, They are simply ignoring my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
A purchase that I had made was returned and refund issued XX/XX/year>, by XXXX XXXX XXXX {$730.00}. I Called Capital One twice and asked them what was going on and all I could get was we don't know. I told them it wasn't fair when my money came out of my Credit Card instantly when I purchased something, but refunds took over nine ( 9 ) days that is not FAIR. It has now been Sixteen ( 16 ) days since XXXX XXXX XXXX has refunded the {$730.00} back to my account. I've called XXXX XXXX XXXX, and they told me they had refunded the {$730.00} back to Capital One and that it was out of their hands and that I needed to contact Capital One, which I had already done twice and could not get any information on the {$730.00}. 

This is not a FAIR Credit practice to have your Credit come out of your account instantaneously when you purchase an Item and have to wait more than XXXX days for refunds to be credited back to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
WROTE TO citi bank on XXXX about why they havnt transfered my XXXX to my XXXX  XXXX XXXX card its been XXXX now i get the round around from thier staff now there harrasing me about payments i want action thank u

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I signed up for XXXX XXXX on XX/XX/year> for a line of credit for XXXX XXXX  XXXX has been reporting payments to all XXXX credit bureaus and they have yet to show on my credit report. It is now XX/XX/year> I have XXXX on time payments and no reflection to my score. 
I have personal and business matters that need to be handled ASAP and this is hindering my process. Need this matter addressed immediately!

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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been a loyal user of my capital one card for almost 4 years. Paying the nearly XXXX annual fee and all of my bills on time every single time. On XX/XX/XXXX I was unable to use my card and upon looking online found my account was restricted. There was no email, call, or info in my account to tell me why. When I called capital one to ask they informed me that in XXXXXXXX a single letter was sent to my billing address saying I needed to submit information to keep my account open. I do not know why happened to this letter but I did not receive it. No follow up letter was sent, I was never emailed or called and there was nothing in my account to inform me of this just the single letter. After they told me that all I needed to do was submit this info to get my account reopened I requested the letter be emailed to me ( which they were able to do ) and I paid money to fax in the requested info. After faxing the documents I called to confirm that they received it and they stated that they did and they would call me with next steps in regards to my account. They never called me and one day my account was just reopened but I noticed that all of my rewards had been redeemed against my statement so I called them again to ask why. I had never authorized that. They stated that all my info looked good and they had reopened my account and had maybe done that as an action of good will. I asked if there was anything else they needed from me and they said no. 4 days later I go to check my account and it is closed. I called again to ask what was happening and they told me because I did not submit my info until after XX/XX/XXXX my account was closed and there was nothing that I or anyone else could do about it. This had not been mentioned in the letter or by the maybe 5 capital one representative I had spoken to since this ordeal began. My credit score has taken a hit because I lost a significant line of credit and I have wasted hours of my life between contacting Capital One and needing to move all of my other services to other credit cards. I do not understand how it is acceptable to close my account after sending XXXXne singular letter requesting information. I have been a good customer and as soon as I knew they needed that information I rushed to get it to them immediately. If they had called, emailed, put something in my account online, or sent a follow up letter I could have addressed it but instead they lied to me for over a month leading me to believe I could get my account reopened when they intended on closing it the entire time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ( XXXX ) XXXX Date : [ XX/XX/XXXX ] I am writing to dispute an account that has been inaccurately reported on my credit report. I am a victim of identity theft and have no knowledge of or involvement with this account. The details of the disputed account are as follows : Account Name : [ IQ DATA INTERNATIONAL ] Account Number : [ XXXX ] Account Type : [ Collection ] Date Opened : [ XX/XX/XXXX ] Reported Balance : [ {$12000.00} ] Status : [ Collection account {$12000.00} past due as of XX/XX/XXXX ] I did not open this account, nor did I authorize anyone to do so on my behalf. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and deletion of this account from my credit report. 

I have included a copy of my government-issued ID and proof of address for identity verification. If additional documentation is required, please notify me at the contact information provided above. 

Thank you for your attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX : [ XX/XX/XXXX ] SSN ( Last 4 Digits ) : XXXX

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} CHAPTER 7 BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/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 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: TX

Complaint narrative:
I called the company to ask where the charges came from. A collection amount of XXXX for a medical bill that I didnt use and is hurting my credit report. 
And my discover credit card charge the amount changed and they tried to put me on a program for veterans. And now my payments are current and on time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NE

Complaint narrative:
I have been receiving phone calls from Fifth Third Bank asking for a XXXX XXXX for several years. My phone will only show me that last XXXX months, so that is what I will explain here. I have received these phone calls on ; 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. 

I have told them each time that they have the wrong number on this account, and I do not know this person. I have requested my number be removed from this account each time. I have tried everything I can think of to get them to correct the error. I have been nice, I have been angry, I have tried to explain that I was going to file a complaint, and I have asked for a supervisor and spoken with a supervisor. I have been told over and over and over and over and over that my number has been removed. Each time they apologize and assure me this won't happen again, and then it happens again and again and again and again and again. 

When I ask them to read the comments on the account, they tell me there are no comments listed that explain that I have requested my number be removed. I am at my wits end and this has to stop. Like I explained above, this has been happening for years, I have just listed what my phone has available in its history and it is about XXXX months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX - Account 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 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 2025-07-07 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  NJ XXXX ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : 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 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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute the accuracy of the late payment remark reported on my consumer file related to the account listed below : Creditor : XXXX XXXX Account Number : XXXX Disputed Item : Late payment ( s ) Requested Action : Remove derogatory late payment notation ; update status to Pays As Agreed This account is reporting a late payment that is inaccurate and unverifiable, and I do not acknowledge the validity of this derogatory remark. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am exercising my right to request a reasonable investigation into this matter. 

I have never been late.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : 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 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 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 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 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 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