vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — Store credit 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: IN

Complaint narrative:
We had a Kohls charge card that we cut up and threw away after paying off every balance that we owed back in XXXX. Last XXXX, i received a call from Capitol ONE stating i owe {$1800.00}. we have never gotten any notifications in the last 3 years stating that we are past due and because we cut that card and threw it away we had no reason to even think about it. after going over banking records it looks like charges for odd amounts have been coming out of my checking account and making payments on the kohls charge card in strange amounts for the last couple years. after countless hours on the phone with my bank and kohls and capitol one and absolutely no resolution and all the agents i have talked with have stated they have never seen anything like it and they have no clue what to do.I have asked for receipts etc. and there is no satisfaction being made and now it appears i will be turned over to collections. this is very frustrating... any help would be appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
I recently opened up a dispute with Experian on XX/XX/year>, and another one on XX/XX/year> to dispute inaccurate information on my credit report. Ive recently found out that I am a victim of identity theft, and my information has been exposed via XXXX  data breach, which I was able to provide documentation to prove as such. According to the FCRA 605 ( b ) That any person claiming to be a victim of identity theft, the credit bureau 's have 4 days to block/remove the accounts and/or inquiries associated with the identity theft as long as a report has been filed with he FTC, and other documentation has been received to validate and confirm my identity. I provided all of that information, and Experian did nothing but update accounts on my file As of XX/XX/scrub> XXXX They did not perform a thorough investigation what so ever, and did not block any accounts within the required timeframe. This is not a normal dispute, this is an identity theft dispute and must be treated as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The following issues are grounds for dispute : 1. Inflated Credit Usage ( 161 % ) - This over-limit figure is misleading, inaccurate, and not supported by a valid explanation, especially for a closed account. 

XXXX. Unverified Status Updates ( Potential Illegal Re-Aging ) : The charge-off status is shown as " updated '' in XX/XX/XXXX, yet prior reports suggest the charge-off occurred in XXXX or XXXX. This may be a violation of FCRA 623 ( a ) ( 5 ), which requires furnishers to accurately report the date of first delinquency. Any attempt to change that date to extend the reporting period is known as re-aging and is explicitly prohibited by federal law. 

XXXX. Account marked as " Charged off as bad debt, '' yet unverifiable across bureaus. 

XXXX Credit limit listed as {$1000.00}, while XXXX  lists {$0.00}. 

XXXX. Inconsistent date of last activity ( XX/XX/XXXX in XXXX, but XX/XX/XXXX in XXXX  and XX/XX/XXXX in XXXX  ). 

XXXX. High balance ( {$1600.00} ) and past due amount ( {$1600.00} ) differ from XXXX  's record ( high balance listed as {$0.00} ). 

XXXX. Conflicting Information with Other Bureaus - XXXX  and XXXX  report differing status dates, balance figures, and credit limits.

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 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
A pay-for-delete agreement was reached with Cavalry Portfolio Services regarding account # XXXX, and payment was made as agreed. The company assured me that the derogatory item would be removed from my credit report within 30 days. However, more than 30 days have passed, and the item still appears on my credit report. Additionally, I requested written confirmation of the pay-for-delete agreement along with proof of payment via email but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I opened a CareCredit account for XXXX  XXXX through Synchrony Bank. It was supposed to be 12 months with no interest. They said the XXXX company entered the charge incorrectly, so I was charged interest for 2 months, and they could not give that money back. I hope to get the money back from XXXX XXXX XXXX. They also charged insane late fees, saying my auto payment didn't go through. I asked the customer service rep to give me back my late payment fee of {$180.00} ( just XXXX month ), and instead, she credited the month before for {$41.00}. First, I have never had a late payment on any other store cards through Synchrony Bank ; one is XXXX XXXX XXXX. Also, I didn't see where my bank denied the payment for an account closure because I do not have any closed bank accounts. How can a credit card company charge {$180.00} for a late fee? Then, they said that only one courtesy credit could occur in a year and chose the {$41.00} credit instead of XXXX. I want my money back ; this is unethical and unjustified.

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 2025-05-22 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: MI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX # XXXX - XXXX Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX 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 2025-05-22 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company XXXX  XXXX for myself XXXX XXXX last four Social Security number is XXXX, XXXXXX/XX/XXXX. Please delete the following accounts. 







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 explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifaxs repeated failure to properly address disputes has become a pattern, and it's one that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days and delete anything that can not be 100 % verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
Accounts/ company information showing on report as inquiries and I never applied nor agreed to have an account with the company or organization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Accounts/ company information showing on report as inquiries and I never applied nor agreed to have an account with the company or organization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Claim number : XXXX I made several purchases from XXXX XXXX totaling {$7900.00}. I purchased trading card collectibles and shoes. I did not recieve the items. I tried everything to contact the merchant via email, phone, and social media. No response and no products. I contacted Wells Fargo and told them everything and requested that a dispute be filed for these transactions. A claim was opened, and not even 48 hours later they denied it. After calling them, they told me that I need to get the merchant to refund me myself. This is a direct violation of Reg E. As they are required to investigate and contact the merchant for me. They did not even do this. I told them that the merchant is not responding, and they told me that I am out of money in that case. I purchased goods and services and did not receive them. This is a LOT of money. If this dispute is not reopened I will have no choice but to contact an attorney.

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 2025-05-22 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AL

Complaint narrative:
Mortgage company offered no options for help. Requested forms for assistance were completed but denied. 
Both my husband and I are experiencing severe medical issues and no consideration was given. 
Feel like customer service offered no options Upon reading our closing documents it was going to cost us {$270000.00} for a mobile home we purchased for {$95000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
b'Chime bank allowed purchases on my virtual card and when disputed they were denied with an explanation of "no error"  I have requested that an explanation of the investigation be made to me with no avail.  They allowed multiple transactions to go through without reaching out to me even after my card was frozen,\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXXnXXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\n\nBank was notified of the fraud and cards were changed and locked but disputes are being denied.  Police report filed.  ID theft filed. Credit bureaus locked but they do not explain their reason for denial.  This all happened after the loss of my phone.  No one at the bank can answer my questions'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. I am expecting that you'd address this soon. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland credit management XXXX is using tactics to place a judgment on me regarding a credit card that I did not obtain and have not been notified of this debt prior to the letter that I am being sued. The accounts were opened falsely in my name and they said because they have my name and social that I have to accept this debt As thats the only proof they need that it was mine and they have told me this on a recorded line they state. This is the second time Midland credit management has purchased a debt that was associated with my name and has tried to sue me and now I feel I am being targeted by this company for any type of debt that they believe is mine. I believe my information was used by somebody I know without my knowledge or my information was taken. Even after I have contacted them to provide me more information on this credit card that Ive never had I have not received any information and Im still receiving papers about being sued. This is not a valid debt or a card that I obtained and used. They are threatening to garnish my wages and put a judgment against me that can be valid for 20 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: AL

Complaint narrative:
I have recently become aware of unauthorized accounts due to a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request the immediate blocking and deletion of the following accounts within 4 days : 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  AL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00} UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
This company OPP loans popped up on my credit report as a loan I never received or asked for. I reported fraud to my bank at the time and all my accounts were closed. This is not a valid debt for me and need removal from my credit report asap

Company response to consumer: Closed with explanation