vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: TX

Complaint narrative:
There is a secured loan account listed under Self/XXXX XXXX opened on XX/XX/year>, and reported as Paid, Closed. While this account shows as closed and paid, I am reporting that it was opened without my knowledge or consent. I did not open or authorize any loan with Self or XXXX XXXX, and this account was created as a result of identity theft. I have never received funds, used, or managed any account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
I gave back the phones when XXXX stated i had ported my number out to soon. so at the most i only owe XXXX XXXXXXXX XXXX for the the last mouth of service. I will pay that to XXXX there trying to get over

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Atlantic Recovery Solutions LLC
State: SC

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX located in XXXX, NY. This company began contacting me by phone and text in early XX/XX/year> regarding an account originally from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The account had previously been handled by Omnipoint Management Solutions LLC and XXXX XXXX XXXX. After I sent a cease-and-desist and intent-to-sue letter to Omnipoint, that account was closed, yet XXXX XXXX Solutions began contacting me soon after XXXX 
Their text messages on XX/XX/XXXX and XX/XX/year> used coercive language such as Urgent, Time Sensitive, and Today Only, trying to pressure me into payment before any written validation of the debt. I also received a voicemail the first week of XXXX where the caller only identified as XXXX, stating the call was an attempt to collect a debt but failing to identify the full company name or provide any mailing information. 
No documentation proving ownership, validation, or assignment of the debt has ever been received. They may have pulled my credit report without a permissible purpose. These actions violate several sections of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and CFPB deceptive practices rules. 
The repeated communication, deceptive urgency tactics, and unverified collection activity have caused confusion, distress, and interference with my credit access. I am requesting CFPB review and enforcement due to the companys repeated failure to comply with federal law. I am seeking full relief and closure of this account. If this matter can not be resolved through the CFPB process, I will pursue legal action and seek the maximum statutory and compensatory damages allowable by 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 2025-10-24 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
on XX/XX/year>, i was notified by capital one of potential fraud in my account. I logged in and confirmed multiple fraudulent charges. I immediately called Capital One to report this. 

Items from the orders i did not make started showing up at my home. It became clear the scammer placed orders for physical goods and a gift card at multiple vendors, and gift cards only at other vendors. They sent physical goods to my address and a gift card to their own email. Because goods were shipped to my address Capital One said it it not fraud because i benefited ( by reducing items i dont want and am happy to return ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: OH

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Name : XXXX XXXXXXXX XXXX Incorrect Previous Address : XXXX XXXX  XXXX XXXX, XXXX, OH XXXX Employer XXXX XXXXXXXX XXXX Employer XXXX XXXX XXXX XXXXXXXXT Incorrect Previous Address : XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX Incorrect XXXX : XXXX XXXXXXXX Incorrect CurrentAddress : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Listed below are the Accounts that are being challenged XXXX - XXXXXXXX XXXXDOFED XXXX XXXXXXXX XXXXDOFED XXXX XXXXXXXXXXXX XXXXDOFED XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 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 explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
on Capital One 360 savings, I had since XXXX  was on High yield interest but as years past by I noticed that the interest was put on regular savings interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to federal law 15 usc 1692g this is being reported as a charge off. I never received the IRS statement that is federally a requirement. There for this is being reported illegally and according to federal law the three credit bureaus is not allowed to even report anything on personal credit. I will like the irs statement and I would like this removed and desist 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 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I pulled my credit report and saw I had a collection for a XXXX credit card which I have never owned. I never knew it was on there until it was a collection, which is now dropping my score. I opened a dispute with XXXX stating I have never owned a XXXX and for them to verify that its in my name. They said the investigation showed its mine. So if it is then either its an authorized user or identity theft. Either way Im not responsible for that debt and request it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TN

Complaint narrative:
I pulled my credit report and I noticed that there was a fraudulent auto loan that I did not open, nor authorized anyone to open. I requested the original documents to open this account from the credit bureaus ( Transunion, Equifax, and Experian ) and XXXX XXXX XXXX. I received nothing. I was put on hold and given the run around. The credit bureau seems to be running sham investigations. They are hurting me financially and I demand that the credit bureaus stop reporting this fraudulent information on my credit profile.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX. reports me as being XX/XX/XXXX days late in XX/XX/2023. I was never late. My card was lost and someone used my card without my knowledge or permission to make charges. I promptly reported the lost card. I was told that I did not have to pay the amount in dispute. None of the charges on the account belonged to me. The fraud dispute was found in my favor, the charges were removed from my account. XXXX continues to report me as late for these unauthorized charges. This is damaging my credit score.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX. reports me as being 30 days late in XX/XX/year>. I was never late. My card was lost and someone used my card without my knowledge or permission to make charges. I promptly reported the lost card. I was told that I did not have to pay the amount in dispute. None of the charges on the account belonged to me. The fraud dispute was found in my favor, the charges were removed from my account. XXXX continues to report me as late for these unauthorized charges. This is damaging my credit score.

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 2025-10-24 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: AR

Complaint narrative:
Upon a recent review of my credit report, I identified multiple inaccuracies that do not accurately reflect my financial history or obligations. These discrepancies, which include inaccurate address, late-closed accounts, charge-offs, and collection accounts, XXXX have been reported erroneously, incompletely, or without full verification. Such inaccuracies negatively affect my creditworthiness and financial opportunities. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am formally disputing these items and requesting a comprehensive reinvestigation. Each account listed below must be verified for accuracy and completeness. If any information is found to be inaccurate, incomplete, or unverifiable, it must be deleted immediately to ensure my credit report reflects truthful and verified information. 
XXXX XXXX XXXX XXXX XXXX XXXX NLR, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX * * * Balance : {$0.00} XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX * * * * Balance : {$37000.00} XXXX  XXXX * * * Balance : {$0.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$790.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX * * * * * Balance : {$2100.00}

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 2025-10-24 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: AR

Complaint narrative:
Upon a recent review of my credit report, I identified multiple inaccuracies that do not accurately reflect my financial history or obligations. These discrepancies, which include inaccurate address, late-closed accounts, charge-offs, and collection accounts, XXXX have been reported erroneously, incompletely, or without full verification. Such inaccuracies negatively affect my creditworthiness and financial opportunities. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am formally disputing these items and requesting a comprehensive reinvestigation. Each account listed below must be verified for accuracy and completeness. If any information is found to be inaccurate, incomplete, or unverifiable, it must be deleted immediately to ensure my credit report reflects truthful and verified information. 
XXXX XXXX XXXX XXXX XXXX XXXX NLR, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX * * * Balance : {$0.00} XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX * * * * Balance : {$37000.00} XXXX  XXXX * * * Balance : {$0.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$790.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX * * * * * Balance : {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX - Arhaus XXXX charged my account {$10000.00} under the guise of a promotional offer for deferred interest, even though I have never missed a payment and specifically asked for a paper invoice. To make matters worse, I was never informed or sent an invoice during the promotional period, despite all my payments being made online. I feel I was scammed as they never sent me an invoice during the time of the promotional period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I lost my debit card and they froze my account for {$9.00}. This was in XXXX. I emailed them XX/XX/XXXX thinking they froze my account because of my bankruptcy. They then requested that I send them a letter stating that the bankruptcy was discharged. I sent it to them via certified mail. I never heard back from them. I then reached out to them again in XX/XX/XXXX. I had to dispute them in XXXX of of XXXX as well because someone sent me money that I could not receive and it was in limbo. I would like to close my account or pay them the {$9.00} but this needs to be resolved. I dont want someone to send me money again and it be in limbo because my account is connected to my cell phone number and its frozen. Thank you for your help in this matter. Below are my case XXXX XXXX. 

XXXX XXXX XXXX XXXXXXXX Dispute XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: GA

Complaint narrative:
I received a text and email requesting for very discriminatory information about my business in which I explained to the lady that legally none of that was presented to me and its very discriminatory to ask for things that are not required for business operation and she refused to listen to me and she has since kept my account frozen for my money whereas I feel like if youre not gon na provide me with the answers, then just close the account give me my money immediately or else Im filing a discrimination lawsuit which Im going to pursue with or without this here because I need results cause Im not gon na be a discriminate again and let dont get away with it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
In XX/XX/year> I moved out of an apartment complex, the lease was up. I returned the keys, the property manager made a clerical error and didnt take my name off the lease. The secretary who made the mistake no longer works for the company, so I was charged XXXX fir XXXX months rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITY CAPITAL FLOOR AND DECOR reports me as being 30 days late on XX/XX/year>. My card was lost and charges were made by unknown person without my knowledge or permission. I reported the lost card, the account was closed. I was told I did not have to make payment while the fraud dispute was pending. None of the charges belonged to me. All of the charges were fraudulent. The fraud case was resolved in my favor. COMENITY CAPITAL FLOOR AND DECOR continue to report me as late.

This is continuing to damage my credit score.

Company response to consumer: Closed with explanation