vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I accepted a promotional offer of interest free purchases on my Capital One credit card. The promotion was for a limited time, and I don't remember the exact length of time. I was unable to locate the information online or on my statement. I watched my statement every month, expected to see a notice letting me know the promotion was about to end and that I would have to pay the balance to avoid interest charges ( all of my other credit card companies include this information on their statements ). The XX/XX/year> statement did not include any such information. I was charged {$110.00} on XX/XX/year> without any warning. I contacted Capital One customer service and was told that it's not their bank policy to include that information on statements, and I should have called to find out the expiration date of the promotion. I told them I would pay off the balance that day and asked for the interest to be credited but they refused. I did pay off the balance that and had to pay additional interest charges. I feel they are lacking in transparency when it comes to promotional offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
XXXX XXXX years ago, someone opened up two accounts in my name. I dont have the dates but there was over like {$4000.00} that I was supposed to pay it and I cant pay that its not mine. They opened up a XXXX XXXX  account and also Bank of America account Im not paying this stuff because its not mine and Im getting bills from the banks telling me that I owe them and I dont.

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 2025-12-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I as the executor of my father 's estate sent over the first XXXX XXXX XXXX ' on XX/XX/year> following my father 's death on XX/XX/year> after notifying the local branch of his passing. In return, I never received any acknowledgement of receipt of the application NOR did I receive a response as to if it was approved/denied. After receiving harassing phone calls in regard to late payments on the account I was then informed the payment I DID MAKE was sitting in 'limbo ' not being applied to the account because I was under review. As a result, never got any correspondence as to how that review went. As a result, of MANY MANY more harassing phone calls WHICH WERE ALL RECORDED PER HUNTINGTON BANK they did proceeded to tell me I needed to re-apply for forbearance because I had been kicked out of the program due to NO response BUT I NEVER GOT ANY CORRESPONDENCE. So I reapplied a second time on XX/XX/year>. I AM CURRENTLY AWAITING SOME CORRESPONDENCE AS TO WHAT THE OUTCOME OF THE REVIEW WAS AND IT IS NOW XX/XX/year>. HMMMM WONDER WHY I'M NOT GETTING ANY COMMUNICATION BUT HARASSED AS FAR AS PAYMENTS GO??? IS THIS FAIR?? IT'S NOT SEEMS THEY ARE DENYING ME MY RIGHTS BY IGNORING ME. THEY WANT MY $ $ $ BUT THEY DON'T WANT TO OFFER ANY FORM OF ASSISTANCE OR ADVICE IN MY FAVOR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX  during covid XXXX XXXXXXXX XXXX XXXX like others had no revenue due to being shut down etc. The company worked out or contacted our credit companies we owed. The companies that were hard core we gave to our XXXX XXXXXXXX XXXX  XXXX  XXXX to get details etc. Almost all settled or provided the information requested by XXXX XXXX. 
XXXX would never address this issue and closed the account in XX/XX/year> but continue to show on my personal credit ( adding interest every month even though they closed the account ) almost 6 years ago. 
in XXXX I found this was still listed under closed accounts. I disputed at XXXX XXXX, XXXX, and Equifax. I requested PROOF of signature and personal guarantee by me. 
XXXX XXXX found in my favor BUT Equifax XXXX XXXX  stated no change as XXXX had certified the information was correct but did not provide any document to prove anything...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NJ

Complaint narrative:
XXXX  during covid XXXX XXXXXXXX XXXX XXXXXXXX like others had no revenue due to being shut down etc. The company worked out or contacted our credit companies we owed. The companies that were hard core we gave to our XXXX XXXXXXXX XXXX XXXX XXXXXXXX to get details etc. Almost all settled or provided the information requested by XXXX XXXX. 
XXXX would never address this issue and closed the account in XX/XX/year> but continue to show on my personal credit ( adding interest every month even though they closed the account ) almost 6 years ago. 
in XXXX I found this was still listed under closed accounts. I disputed at XXXX XXXX, Experian, and XXXX. I requested PROOF of signature and personal guarantee by me. 
XXXX XXXX found in my favor BUT XXXX  and Experian stated no change as XXXX had certified the information was correct but did not provide any document to prove anything...

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 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Klarna AB
State: CA

Complaint narrative:
In XX/XX/year>, I used Klarna to purchase an item for {$44.00} from XXXX. 

The merchant provided a XXXX tracking number, but the tracking has only ever shown Label created date pending, which indicates XXXX never received the package and the item was never shipped. 

I contacted the merchant multiple times regarding non-delivery. On XX/XX/year>, the merchant confirmed in writing that a refund would be processed and advised it would be returned within XXXX business days. 

The refund was never issued. I continued to follow up with the merchant and received no response. 

I opened a dispute with Klarna. Klarna paused the payment during review, but later resumed payment after the merchant declined the issue, without independently verifying shipment or the promised refund. 

I am requesting a full refund for a non-delivered item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Brett M. Borland, P.C.
State: FL

Complaint narrative:
Companies Involved XXXX XXXX XXXX XXXX XXXX ( also reported as XXXX XXXX XXXX XXXX Law Office of Brett M. Borland , P.C . ( Attorney representing XXXX XXXX XXXX ) Account Information Original Creditor : XXXX XXXX XXXXXXXX / XXXX XXXX  Amount Reported : {$1400.00} Date First Appeared on Credit Report : On or about XX/XX/year> Bureaus Reporting : XXXX XXXX XXXX  Describe What Happened I am disputing a collection account that XXXX XXXX XXXX XXXX XXXX, through its attorney the Law Office of Brett M. Borland, P.C., has reported on my consumer credit reports. When I contacted XXXX XXXX XXXX directly, I was informed that the account is handled exclusively by their attorney, XXXX XXXX. 

This account is inaccurate, unvalidated, and arose from a materially breached lease involving an uninhabitable property. 

1. No Possession or Occupancy I never took possession of the apartment. I never moved in, never occupied the unit, returned the keys, and no move-in inspection or walk-through was conducted. There was no tenancy or occupancy. 

2. Uninhabitable Conditions Roach Infestation At the time the lease was executed, the unit was infested with roaches and undergoing active pest treatment and repeated cleaning, as acknowledged by property management in writing. The dwelling was not safe, sanitary, or fit for human habitation, and remediation efforts were still ongoing weeks after the lease date. 

Failure to deliver a habitable dwelling constitutes a material breach of the lease and the implied warranty of habitability. Charges based on rent or occupancy under these conditions are invalid and unenforceable. 

3. No Notice or Validation Before Credit Reporting I did not receive : A final bill A debt validation notice Written notice of intent to report to credit bureaus The first notice of this alleged debt was its appearance on my credit report.

4. Failure to Validate the Debt Despite my dispute, neither XXXX XXXX XXXX nor its attorney has provided : A signed agreement creating the obligation An itemized accounting Proof of assignment or authority to collect Proof of required notice before reporting Legal Violations FDCPA 15 U.S.C. 1692g Failure to validate 15 U.S.C. 1692e Misrepresentation 15 U.S.C. 1692f Unfair practices FCRA 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate information 15 U.S.C. 1681s-2 ( b ) Failure to reasonably investigate Harm This improper reporting has damaged my credit, reputation, and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MS

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several inaccuracies in my credit report as listed below. I request that these issues be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute, separated by bureau : Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to report ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) by consumer reporting agencies and furnishers who have failed to properly investigate and correct inaccurate, unverified, and unauthorized information on my credit reports. This is my third formal dispute regarding these items. My CFPB complaint remains open, and I have not yet submitted an FTC identity theft report. Despite prior disputes, the inaccurate information continues to be reported, indicating a failure to conduct a reasonable investigation as required by law. 
ACCOUNT : XXXXXXXX XXXX XXXX | High Balance : {$150000.00} | Date Opened : XX/XX/XXXX * * ISSUE : This account is reported as a charge-off, and I have no knowledge of this account. I do not recognize this obligation and did not authorize it. The furnisher has failed to provide proper documentation proving ownership, contractual liability, or accurate reporting. Reporting an unverified charge-off without valid evidence violates FCRA 1681e ( b ) and 1681s-2 ( b ). If this account can not be fully verified with signed agreements and complete payment history, it must be deleted from my credit report immediately. 
INQUIRIES LISTED BELOW ARE DISPUTED AS UNAUTHORIZED AND NOT PERMITTED BY ME : 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 ISSUE : I did not authorize these inquiries, did not provide written or permissible purpose consent, and did not apply for credit with these entities. Under FCRA 1681b, consumer reports may only be accessed with a valid permissible purpose. Any inquiry without authorization is an FCRA violation and must be deleted immediately. If you can not provide proof of my authorization, these inquiries must be removed.

I am requesting that the CFPB require the involved consumer reporting agencies and furnishers to conduct a lawful and reasonable investigation, correct inaccurate reporting, and delete any information that can not be verified as accurate and complete. I am also requesting written confirmation of all corrections and deletions once the investigation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Forest Recovery Services LLC
State: CA

Complaint narrative:
Contacted mother detailing name, amount owed, parties involves and case numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding the following accounts on my credit report. These accounts are reporting inaccurate information, and I request that they be corrected. Below are the details for each bureau : CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$2100.00} XXXX, XXXX, XX/XX/XXXX, {$11000.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$410.00} XXXX, XXXX, XX/XX/XXXX, {$1100.00} INQUIRIES XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint in relation to the inaccurate information reported on my credit report. Below are the details of the accounts that I am disputing with the respective bureaus. 

Charged Off Accounts : XXXX : Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX  XXXX XXXX : Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX : Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXX  : Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$570.00} XXXX : Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$310.00} XXXX : Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$8300.00} Inquiries : XXXX  XXXX : Date : XX/XX/XXXX XXXX  XXXX : Date : XX/XX/XXXX XXXX  XXXX : Date : XX/XX/XXXX XXXX  : Date : XX/XX/XXXX DEPT OF ED : Date : XX/XX/XXXX XXXX XXXX : Date : XX/XX/XXXX XXXX  : Date : XX/XX/XXXX XXXX XXXX : Date : XX/XX/XXXX XXXX XXXX : Date : XX/XX/XXXX XXXX  XXXX : Date : XX/XX/XXXX XXXX  : Date : XX/XX/XXXX XXXX  : Date : XX/XX/XXXX Late Payment : XXXX : Account Number : XXXX XXXX XXXX : Account Number : 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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , the Experian credit reporting agency , the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following items : Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card account opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Auto Loan account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX And the hard inquiries : XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , the Experian credit reporting agency , the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following items : Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card account opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Auto Loan account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX And the hard inquiries : XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was automatically enrolled in a paid credit card add-on insurance product called XXXX XXXX associated with my Carters store credit card without my affirmative express consent.

The product was not disclosed by the cashier at the point of sale, and no opt-in authorization was requested. Enrollment occurred automatically, and I was only notified afterward through mailed correspondence indicating coverage was already active.

Cancellation and reimbursement required multiple contacts and unnecessary effort, creating friction inconsistent with a voluntary add-on product. The administrator ( XXXX  ) has now agreed to reimburse the charges ; however, this complaint is submitted to bring the enrollment practice itself to the CFPBs attention.

This appears to be a negative-option add-on product implemented without affirmative express consent and may constitute an unfair or deceptive act or practice. I am requesting confirmation that my account is permanently opted out of all add-on products and that this enrollment practice is reviewed for compliance.

Company response to consumer: Closed with monetary relief