vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I use for the second time one main financial credit card to I was duped by XXXX XXXX XXXX XXXX they charged my credit card XXXX did not complete the job I hired another company to get my part that was under warranty and paid XXXX to XXXX XXXX XXXX XXXX. I put in a dispute against sue around the click with one main financial and they have failed to get the dispute finalized in my favor why would I pay a company XXXX and they said they could not find the part that was under warranty at the manufacturer they never tried to get the part they wanted to charge me full price. I have also read XXXX complaints and seems like air around the click us charging XXXX up front before the work us done they they say they can not find the part meanwhile they have half of Of your money or the whole amount its a tactic to not do the work and keep your money. One main financial has been sent all proof if my claim and still has not gotten back to me or reversed my XXXX that I am disputing. You can not just keep XXXX if a customers money and do not do the job. I want my XXXX refunded to my credit card the XXXX I will pay the service call. Air around the clock lied to the compliant filed with the state of florida saying I wanted them to give me the part to install that is a lie Im not a contractor they never got the part I informed them that the part we got from XXXX and my ac is fixed to refund my money and XXXX pick up there part temp blower. I cancelled the service on XX/XX/year> and my ac was fixed by XXXX XXXX XXXX already. The called for a case number after the fact I had already gotten a case number to the part and it was fixed. 
XXXX XXXX XXXX XXXX picked up the temp motor in XX/XX/year> a day after my ac was already fixed and sent me an invoice saying XXXX in refund. 
The credit card company has all proof and still has not reverse the XXXX I request in the dispute. They are useless and I want them investigated for scamming along with XXXX around the clock I am not giving them free money. I want this dispute resolved properly. Further more air around the click they are not even answer the compliant filed thru a business email they are answering thru XXXX email. I never got any response from an XXXX email. They are crooks and one main financial or aur around the clock will rob me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: KY

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX. 
Please provide the following information : XXXX. 
The name and address of the original creditor. 
XXXX. 
The original account number associated with the debt. 
XXXX. 
The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added. 
XXXX. 
Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency. 
XXXX. 
Copies of any signed agreements or contracts establishing my liability for this debt. 
XXXX. 
Proof that the debt is within the applicable statute of limitations. 
XXXX. 
Copies of any judgments obtained against me ( if applicable ). 
XXXX. 
The full name and address of any previous collectors who have attempted to collect this debt. 
Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt. 
Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary. 
Please respond to this request in writing at the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-28 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: GA

Complaint narrative:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: PA

Complaint narrative:
I am submitting this complaint to EQUIFAX regarding inaccurate information on my credit report that has not been validated, certified as accurate, or physically verified. 

I have identified potentially erroneous and questionable entries on my credit file that have not been properly verified. As a consumer, I am entitled to request the immediate removal of these entries in accordance with my federal and state consumer rights. This complaint also serves as a reminder to ensure that the items reported to you adhere to the requirements outlined in FACTA Title 1, Section 151, which specifies the procedures for handling such matters. 

XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * * * * * * Balance Owed : {$560.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX * * * * * * Balance Owed : {$14000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX * * * Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$430.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX * * * Balance Owed : {$650.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX * * * * * * * * * * * Balance Owed : {$3500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$620.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$800.00} Date Opened : XX/XX/XXXX OPEN : XXXX XXXX XXXX * XXXX XXXX * Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened a cap one credit card last year, and recently noticed an annual fee. I called to get them to waive the fee, or to change me to another card that didn't have fees. 

I first talked to XXXXXXXX XXXX XXXXXXXX, noting I didn't like XXXX XXXX  The service fee XXXX  Their XXXX XXXX XXXX  asking for my income She transfered me to a Supervisor as she said she couldn't help After a total wait time of XXXX minutes XXXX picked up XXXX 
XXXX said he couldn't give a last name or #, and acted a bit XXXX  about my asking and when he told me he was on a recorded line, I noted I was as well keeping both sides even. He said he couldn't talk to me if I was recording the call, he hung up. 

I've been a good customer, I'm looking to get the anual fee waived, to be changed to another credit card that doesn't have fees, or to cancel the credit card. 

Please let me know how you can assist. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: MA

Complaint narrative:
I am submitting a formal complaint regarding inaccurate, inconsistent, and unverifiable information appearing on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), 609 ( a ) ( 1 ), and 604 ( a ), as well as Metro 2 compliance standards. 

On XX/XX/year>, XX/XX/year>, and XX/XX/year>, I submitted multiple formal disputes directly to the credit reporting agencies concerning both inaccurate tradelines and unauthorized or unverifiable credit inquiries. 

The accounts and inquiries disputed include, but are not limited to : Unauthorized inquiries by XXXX XXXX ( TransUnion ), XXXX XXXX  ( Experian )XXXX XXXX XXXX XXXXXXXX XXXX ( Experian ), which violated FCRA 604 ( a ) ( lack of permissible purpose ).

Inaccurate account reporting related to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX involving conflicting Dates of Last Activity, inconsistent High Credit amounts, differing Credit Limits, incorrect Past Due balances, and illegal double reporting of balances after charge-off while collection accounts also reported.

I formally requested the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 6 ) for all disputed items. The credit reporting agencies failed to provide proper MOV, failed to correct the inaccura
te data, and failed to delete unverifiable information within the 30-day investigation window, violating FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ). 

I have attached copies of my dispute letters submitted on XX/XX/year>, XX/XX/year>, and XX/XX/year> for CFPB review. 

Due to the agencies failure to properly reinvestigate and their repeated violations of FCRA and Metro 2 guidelines, I am requesting that the CFPB intervene and require the credit reporting agency to permanently delete all inaccurate, unverifiable accounts and

unauthorized inquiries as the lawful and fair remedy.

Retention of inaccurate tradelines and unauthorized inquiries is causing ongoing harm to my creditworthiness and violates my federal consumer rights.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need your help investigating several accounts that have been wrongly marked with late payments by certain companies. I checked my credit report and saw inaccurate late payment entries on specific accounts. These should not be there. I request that you delete those remarks and update the accounts to reflect paid as agreed.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need your help investigating several accounts that have been wrongly marked with late payments by certain companies. I checked my credit report and saw inaccurate late payment entries on specific accounts. These should not be there. I request that you delete those remarks and update the accounts to reflect paid as agreed.

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 2025-04-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: LA

Complaint narrative:
am filing a complaint regarding a Netspend prepaid card that I received and activated, although I never applied for it. 
After contacting Netspend Customer Service, I was advised to report the issue if I had not authorized the account. 
I have never added funds to the card or used it for any transactions. 
I am concerned about how my personal information was obtained and used without my permission. 
I respectfully request that an investigation be conducted and that any necessary actions be taken to protect my rights. 

Thank you for your support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with 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 non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This was a IKEA credit card account. I call IKEA directly and they confirm and clear this account because of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Debt Validation Pursuant to the FDCPA Dear XXXX XXXX XXXX Account # XXXX, in which you allege that I owe a debt. Please be advised that I am requesting that you provide validation of this debt, as is my right under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Please provide the following information : The name and address of the original creditor. 
The amount of the alleged debt, including a breakdown of interest, fees, and any payments made. 
Copies of any documents that show I agreed to assume this debt. 
Proof that you are authorized to collect on this debt, including a copy of any agreement that authorizes your agency to collect. 
A copy of the judgment ( if applicable ). 
I request that all collection activity cease until this debt is properly validated. Please also be advised that any attempt to report this alleged debt to credit bureaus without providing validation is a violation of the FDCPA. 

This is a formal dispute of the alleged debt. Please note that I am keeping records of all communications regarding this matter. 

Sincerely, [ 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 2025-04-26 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: GA

Complaint narrative:
[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Debt Validation Pursuant to the FDCPA Dear XXXX XXXX XXXX Account # XXXX, in which you allege that I owe a debt. Please be advised that I am requesting that you provide validation of this debt, as is my right under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Please provide the following information : The name and address of the original creditor. 
The amount of the alleged debt, including a breakdown of interest, fees, and any payments made. 
Copies of any documents that show I agreed to assume this debt. 
Proof that you are authorized to collect on this debt, including a copy of any agreement that authorizes your agency to collect. 
A copy of the judgment ( if applicable ). 
I request that all collection activity cease until this debt is properly validated. Please also be advised that any attempt to report this alleged debt to credit bureaus without providing validation is a violation of the FDCPA. 

This is a formal dispute of the alleged debt. Please note that I am keeping records of all communications regarding this matter. 

Sincerely, [ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with 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 2025-04-26 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: NY

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with 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 non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I found an unauthorized inquiry on my credit report and I have absolutely no idea how it got there. I routinely check my report, but this time I was met with sudden discrepancies. I even refreshed my browser thinking it was a glitch, but nothing changed. Im extremely frustrated and need the documents I sent to be reviewed immediately so I can finally put this problem to rest.

Company response to consumer: Closed with explanation