vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kikoff Inc.
State: OH

Complaint narrative:
I am filing this complaint against Kikoff Lending regarding an unauthorized debt that has been placed on my account. I did not authorize any transaction, account, or agreement with this company, yet they have reported a debt to my credit file and/or attempted to collect payment from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX BANK XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I received a XXXX Cancellation of Debt for a judgment that was held against me by XXXX, then purchased by Portfolio Recovery, and they advised me to call XXXX to get the documents needed for the courts to correctly reflect that the judgment is closed and taken care of. The date of the XXXX is XX/XX/XXXX. I called both Portfolio Recovery and XXXX on XXXX and XXXX and was told I would receive a call back and did not receive any call and the XXXX court house did not receive any update on this judgement since XXXX. I called them as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had identity theft and my wallet and phone was stolen, all my information was compromised and was suffering tremendously due to the people involved being extremely dangerous to my well being and my family. I faced extreme financial hardship was a victim and also had no way to defend or protect myself. I was peer pressured against my will and had a lot of inquiries loans and auto and cards maxed and out in a short period of time and I was scammed by people who said they would fix my credit but were in on it too as they were close ties to the people involved in that situation also. I went after the police and they told to do a civil suit but of which was no success to me as I could not gather information or proof on these people as they had my identity and my phone. Not only that but I was also fearful for my life to speak out on such people and it went so bad as to the point I lost my employment, my license was suspended, my bank accounts and savings retirement and everything was XXXX  out or negative. Nobody is able to help me and I honestly don't know what to do anymore besides going to the military but I can't even do that as a doctor has diagnosed me with several XXXX  XXXX  which if true would mean none of this should be on the credit anyways and if false would mean the doctor would lose her license and job which she would never disprove barring me from ever being able to serve in the military also.

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 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
My information was comprised I asked that this be removed immediately from my credit file. 
Capital One {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this report to the Federal Trade Commission regarding an identity theft incident. I discovered that my personal information had been stolen when I noticed unfamiliar transactions on my credit statement. As a result of this incident, I have experienced significant emotional and financial distress. My credit score has been negatively affected, and I've been unable to access credit for necessary purchases. Additionally, I have spent hours communicating with various organizations to resolve this matter, causing disruption in my personal life. Updated additional unrecognized inquiries :- XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX- XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX - XXXX inquired on XX/XX/XXXX - XXXX XXXX XXXX inquired on 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 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I need my statements Checking & Savings Accounts along with Cashier Checks & regular checks & Transactions. I would also like to know why XXXX XXXX XXXX is also CITI BANK? Whos who here? They come with CITI BANK with XXXX typed in under CITI BANK? When you get your tax information it mentions NOTHING at ALL for XXXX XXXX XXXXXXXX? It just states CITI Bank. To whom it may concern : Im filing a complaint about XXXX XXXX XXXX DEBIT CARD CHECKING ACCOUNT & SAVING ACCOUNT. This is a list of bank transactions after XXXX when the bank is closed. I have cross referenced the dates & times along with the amount by searching on the Internet for the year month date along with Holidays. These Transactions are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This account is a medical account that is being reported on my consumer report as a collection. As of XX/XX/year>2025, a new rule from the Consumer Finacial Protection Bureau prohibits consumer reporting agencies from including medical debt on credit reports. Effectively banning medical debt from appearing on credit reports.

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 2025-03-29 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:
I recently obtained a copy of my credit report and discovered multiple fraudulent accounts in order about XX/XX/XXXX and inquiries that I did not initiate or authorize. I am a victim of identity theft, and I am formally disputing the following accounts and inquiries as fraudulent. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX, I am requesting the immediate block and removal of these accounts and inquiries from my credit file. 
Fraudulent Accounts & Inquiries Identified Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX Balance : {$3200.00} Balance Updated : XX/XX/XXXX Account Number : XXXX Status : Closed Date Opened : XX/XX/XXXX XXXX. XXXX  of XXXX Balance : {$970.00} Balance Updated : XX/XX/XXXX Account Number : XXXX Status : Open Date Opened : XX/XX/XXXX XXXX. XXXX  of XXXX Balance : {$3600.00} Balance Updated : XX/XX/XXXX XXXX. XXXX of XXXX Balance : {$4800.00} Balance Updated : XX/XX/XXXX XXXX. XXXX of XXXX XXXX : {$1200.00} Balance Updated : XX/XX/XXXX XXXX. XXXX XXXX XXXX Original Creditor : XXXX Balance : {$12000.00} Balance Updated : XX/XX/XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX Bank XXXX Missouri Balance : {$430.00} Balance Updated : XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX : {$290.00} Balance Updated : XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Collections Original Creditor : XXXX XXXX XXXXXXXX Balance : {$1100.00} Balance Updated : XX/XX/XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX : Unavailable Balance : - Balance Updated : - Credit Limit : {$300.00} Account Number : XXXX Status : Closed Date Opened : XX/XX/XXXX Unauthorized Inquiries : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXXXXXX 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 2025-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is about unexpected interest charge applied to my Synchrony XXXX XXXX : On XX/XX/XXXX, I purchased furniture for {$1600.00} under a financing plan with Synchrony Bank that was advertised as XXXX year interest-free. I made regular payments and had a remaining balance of {$480.00} at the end of the one-year period. 
To my surprise, on the last day of the promotional period XX/XX/XXXX, Synchrony Bank added {$490.00} in interest charges to my balance in a single transaction. When I contacted their customer service, I was informed that this charge represented a full years worth of interest applied to the entire original loan amount of {$1600.00}. 
I believe this practice is unfair and deceptive. I expected that if I did not fully pay off the balance by the end of the promotional period, I would start accruing interest from that date forward only on the remaining balance of {$480.00}. Instead, I am being penalized with retroactive interest on the full original loan amount, despite having already paid {$1100.00} of the loan by the time. 
I have attempted to resolve this issue directly with Synchrony Bank by contacting their customer service and speaking to XXXX different representatives at various levels, but they have refused to remove the charge.

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 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I processed a payment of {$620.00} on my XXXX XXXX account. The payment cleared from Bank XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I noticed that my balance was higher than it was before I made the payment, despite not having used my card. The payment was acknowledged as having been received by XXXX on both the app and by their automated system but was not applied toward my balance. The XXXX representative stated that they intended to hold my payment until XXXX despite having already received the funds. This means my interest rate is being charged for a higher balance which seems fraudulent to me. It is also detrimental to my finances considering Im on a fixed income. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my repeated efforts and the submission of supporting documentation, TransUnion has repeatedly verified the disputed accounts as accurate within an unreasonably short time frame, without providing any evidence that a thorough investigation was conducted. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which mandates that credit reporting agencies must conduct a reasonable reinvestigation when a consumer files a dispute. TransUnions lack of meaningful review and generic responses to my disputes raise serious concerns about whether they are meeting their legal obligations to consumers. 

Furthermore, while XXXX and XXXX have already faced enforcement actions from the Consumer Financial Protection Bureau ( CFPB ) for similar issues, TransUnions behavior reflects the same systemic failuressuch as failing to forward consumer-provided evidence to furnishers, relying on unreliable data, and not adequately notifying consumers of dispute outcomes. These failures are causing harm to my credit standing and are undermining my rights under federal law. 

I request that the CFPB take immediate action to ensure TransUnion complies with the FCRA, and requires them to provide evidence of proper dispute handling and reinvestigation procedures. Consumers deserve fair and lawful treatment, and I am seeking corrective action regarding the inaccurate and unverified items on my credit report.

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 2025-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: IN

Complaint narrative:
We have been paying XXXX for over a year, ( automatic withdrawal ) but their app has never worked. Every time we needed to make a payment the app would not work. I finally contacted the XXXX  Customer support in XX/XX/year> and the clerk could verify that the app did not work. I was instructed to delete and download app again. Which I did. Did not work. Clerk had me repeat the process, use a XXXX  Credit Card to check, and with their own Credit Card, the app did not take the payment of {$10.00}. An hour later and many deletes and uploads the app finally worked. The clerk stated " the almost $ XXXX I have paid for all these months since the last made transaction, would be refunded ''. That was the end of the conversation. I received then a few days later : Thank you for choosing XXXX Admin Support, we are happy to advise that your inquiry XXXX has been resolved! Resolution : Your App market refund has been denied, after further review your request is ineligible due to the fees being valid. Thank you for being a part of the XXXX community ; we appreciate your business! Regards, XXXX Admin Support. 
During XX/XX/year> I accessed the app again, and again it did not work! Another clerk had me do exactly the same process and it took her XXXX to get the app to work. 
I want my refund for all the months I have paid and have not received service.

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 2025-03-29 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: IL

Complaint narrative:
I am writing to formally dispute several accounts that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX, you are required to report only 100 % accurate, verifiable, and substantiated accounts. These accounts are inaccurate or in violation of consumer protection laws and must be updated or removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute several accounts that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX, you are required to report only 100 % accurate, verifiable, and substantiated accounts. These accounts are inaccurate or in violation of consumer protection laws and must be updated or removed 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 non-monetary relief
Consumer complaint received 2025-03-29 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:
I have had my XXXX XXXXXXXX credit card since before the pandemic, I have made timely payments every due date. and they have reported that I have been late on payments several times and that is showing on my credit reports and made my credit score drop. and in accordance with US law " 42 U.S code 1983- civil action for deprivation of rights ''.. I never consented to XXXX XXXX reporting anything late or otherwise to my credit reports

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 2025-03-29 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:
I have had my XXXX  XXXX credit card since before the pandemic, I have made timely payments every due date. and they have reported that I have been late on payments several times and that is showing on my credit reports and made my credit score drop. and in accordance with US law " 42 U.S code 1983- civil action for deprivation of rights ''.. I never consented to XXXX  XXXX reporting anything late or otherwise to my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have had my XXXX  XXXX credit card since before the pandemic, I have made timely payments every due date. and they have reported that I have been late on payments several times and that is showing on my credit reports and made my credit score drop. and in accordance with US law " 42 U.S code 1983- civil action for deprivation of rights ''.. I never consented to XXXX  XXXX reporting anything late or otherwise to my credit reports

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 2025-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I discovered a XXXX $ fraudulent payment on XXXX. 

Reported the scam account and payment immediately Today they responded and said it was not fraud and legit but provided no information on how they did investigation nor did their system allow an explanation of the fraud of any evidence to be provided.

Company response to consumer: Closed with monetary relief