vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: CA

Complaint narrative:
I am reporting an incident of identity theft involving a fraudulent collection account currently being reported by IQ Data IXXXX. The account shows a balance of {$8100.00}, lists the original creditor as XXXX XXXX CA, is reported as a joint account, and has an open date of XXXX XXXX XXXX. I did not open this account, authorize it, sign any lease or agreement, or receive any services connected to this debt. 

I discovered this account while reviewing my credit report and immediately filed disputes with the credit bureaus. I have never lived at, received services from, or been affiliated with the property tied to this account. This account was created without my knowledge or consent and represents an unauthorized use of my personal information. 

This fraudulent account is harming my credit and financial stability. I am requesting that IQ Data XXXX provide full validation and proof of authorization, including any signed contracts, identification used, service address records, and documentation linking me to this alleged debt. If they can not provide verified proof that I opened this account, I am requesting that this account be deleted from all of my credit reports and that all collection activity stop. 

I am willing to provide any additional documentation needed to support this identity theft claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was denied.... I didn't authorize this after they sent me a " pre-approved '' offer and now they are denying it and I didn't ask for it. 

Therefore, I'm complaining about : denial and credit card authorization ( not requested )!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I disputed unrecognized charges amounting to XXXX and the claim was opened XX/XX/year>. The claim was denied without a valid explanation, arguing that the card was used by me. 
As far as I'm aware, the card was lost, and I don't remember these charges.

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 2025-12-28 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: TX

Complaint narrative:
I stopped by an XXXXXXXX XXXX XXXX XXXX  store on XX/XX/year>, to purchase several items. At checkout, the cashier offered me an XXXX XXXX XXXX XXXXXXXX credit card. I accepted the offer and provided my identification and personal information, including my email address, to apply for the credit card.

After the purchase, I waited to receive mail or email communication containing my account number and instructions to register the account and make a payment. Weeks and then months passed, and I did not receive any mail, billing statement, or email notification regarding the account or payment due. I later received the mailed billing statement and registration information, but it arrived very late, after the account had already been reported as delinquent.

Because I had not received any information in a timely manner, I decided to contact XXXX XXXX XXXX XXXX  Credit Card Customer Service on Sunday, XX/XX/year>. During the call, I explained my situation and was asked to verify my email address and current mailing address, which I provided. I would like to note that I had already provided this same information at the time of application in the store. If incorrect information had been submitted, the account should not have been opened or reported to my credit file.

During the call, I clearly stated that I had never received any billing statements or payment instructions. The customer service agent informed me that I could make a payment without having an account number or card number. After the call, I was notified that my information had been updated, and I received an email confirmation. I then made a payment immediately.

However, on Monday, XX/XX/year>, I received a notification from my credit monitoring service stating that an XXXXXXXX XXXX XXXX XXXXXXXX credit card account had been reported as more than 60 days past due. This was the first time I became aware of any late payment status.

I have a strong credit history and have never missed a payment. I have purchased a home and multiple vehicles and have always made payments on time. The late payment reported on this account was not due to my negligence, but rather due to the fact that I did not receive timely billing statements or account information necessary to make a payment earlier.

I am respectfully requesting that the late payment notation be removed from my credit report, as this situation was beyond my control and resulted from a lack of timely notification and access to my account information.

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 2025-12-28 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My debit card was stolen, and unauthorized transactions were made on my account. 

The following charges posted after the card was stolen : - XX/XX/year> : XXXX charge from XXXX  for {$810.00} XXXX : XXXX charge from XXXX  for {$37.00}, which appears three times for the same purchase XXXX : XXXX XXXX XXXX Lines charge from XXXX  for {$21.00} I am a resident of XXXX XXXX and have not traveled out of state at all during this month. I did not authorize any of these transactions. 

I contacted my bank and formally disputed the charges after noticing them. Despite explaining that the card was stolen and that the transactions occurred in other states, the bank refused to provide assistance or reverse the charges. 

I am seeking reimbursement for the unauthorized transactions and appropriate correction of my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: FL

Complaint narrative:
They sold me a Savage car that broke down and got told in the tow company stolen and I could never get the titles or get it out the pound before they sold it in the car lot being got their money from the bank I would like this remote off of my credit the name of the company is CarHop account number is XXXX XXXX  under the law usc 15 1681 remove from my account immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
These items are not mine I have never have any relations with these creditors, I am a victim of identity theft please remove these accounts from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am filing a complaint against chase banks handling of my debit card dispute. 

I authorized payments to topstep for access to funded trading platform ( topstepx ) and during the paid period over the last 2 months, the platform experienced 10+ outages repeatedly, system failures, trading halts when not supposed to be, and they even admitted to it and were publicly announced all over social media and through email.

Because the service I paid for was materially unavailable and not delivered as promised, I disputed the charges after Id had enough. Chase initially accepted the dispute, but later denied it all whilst not even issuing a provisional credit. Despite the claim remaining under investigation and additional documentation being submitted. 

I provided extensive evidence to chase, announcements from their public discord with XXXX members that said when every outage happened over the last 2 months, during the times I was being billed for this, and even an email of the CEO of XXXX acknowledging how poor their platform has performed. Chase still concluded that the charges were authorized and closed the dispute completely disregarding the failure of service or whether provisional credit was required under Regulation E.

I am concerned that chase did not properly apply debit card dispute protections, failed to provide any provisional credit while the investigation was ongoing, and did not meaningfully consider the evidence that I provided. I am requesting that Chase re reviews this dispute in compliance with regulation E and provide me the appropriate provisional or permanent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing a recent credit inquiry made by XXXX XXXX XXXX XXXX that appears on my consumer credit report. 

I did not authorize XXXX XXXX XXXX XXXX to access my credit report and did not provide written, electronic, or verbal consent for this inquiry. I have no recollection of applying for credit or initiating any transaction that would give them permissible purpose to pull my credit. 

This inquiry was made without my permission and therefore constitutes an unauthorized access of my consumer report under the Fair Credit Reporting Act. 

I am requesting that XXXX XXXX XXXX XXXX provide documented proof of authorization, including a signed application or agreement bearing my signature, the date authorization was allegedly obtained, and the method by which consent was given. 

If XXXX XXXX XXXX XXXX is unable to provide this documentation, I am requesting that the inquiry be immediately removed from my credit report and that written confirmation of removal be provided. 

I am requesting that the CFPB investigate this matter and ensure compliance with all applicable consumer protection laws.

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 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kikoff Inc.
State: GA

Complaint narrative:
This account is being reported inaccurately and in violation of the FDCPA. I have no contract or agreement with this debt collector, and they have failed to provide any legally required validation. A valid agreement requires my signature, which they can not produce. Because they did not follow the proper validation procedures, they are furnishing unverifiable information to the credit bureaus. Reporting an account that can not be validated is a direct violation of my consumer rights. Since this debt collector is unable to provide a signed contract or complete validation, I am formally requesting the immediate removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I paid the debt with this company in which the original debt was XXXX XXXX. The debt was agreed to be deleted once paid but is still on my credit report. I have disputed the account several times to remove it but the creditor refuses to delete the account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
XXXX XX/XX/year> I logged into my account to see it was restricted. I called and was notified USAA was exercising their rights to end our financial relationship and all funds in the account were to be held for XXXX days. I informed the person on the line that we have a type XXXX XXXX XXXX year old child, and we need access the account to pull the remaining funds to provide special diet requirements to our child. At this time, several family members were showing signs of illness as well. XXXX was also XXXX days away. We were told there was nothing they could do for us. That same night we learned of XXXX XXXX 's " bonus '' coming to military members. The next morning all direct deposit information was changed via my pay. 
XXXX XX/XX/year> a bonus of {$1700.00} posted to the usaa checking account. I called again, explaining the gravity of the situation, and requesting access to these funds. I was denied. I requested the account be reviwed, and a XXXX or higher to call and talk to me. As of XXXX XX/XX/year>, I still have not received a call. I also asked why the account was being closed and was again told " usaa is exercising its rights ''. 
From XXXX XX/XX/year> to XXXX XX/XX/year> several calls were made to usaa. Each time I would talk to an agent, explain the situation, be placed on hold for XXXX minutes and be hung up on. 
XXXX XX/XX/year> I started a chat request via the usaa app. I spoke to an agent, explained the situation, again stressing the fact that we have a type XXXX diabetic daughter and we need access to these funds. I was advised usaa will return the funds after a 60 day period. I explained, again, my daughter And our family, have life or death needs. I was again told the same thing, funds will be returned within XXXX days and when asked why the account is being closed I was told " usaa is exercising their rights ''. 
A few days prior to all of this happening i submitted XXXX unauthorized transaction disputes. This last year and a half have been rough with unauthorized use of our account. Including a suspected takeover. We have worked hard on our end and narrowed it down to XXXX or XXXX stores that could be compromised, and have started using different businesses to try and stop all of this. We are also set to move from the area in a few months. We have had these accounts with usaa for almost XXXX years. We need to access these funds to provide for our family.

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 2025-12-28 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: SC

Complaint narrative:
I am submitting this complaint as an individual consumer to dispute and request amendment of inaccurate account status being reported by one or more consumer reporting agencies. My credit report contains an inaccurate account status. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), each consumer reporting agency is required to maintain reasonable procedures to assure the maximum possible accuracy of information, and under the Privacy Act of 1974 ( 5 U.S.C. 552a ), I have the right to request correction or deletion of inaccurate account status information. I have submitted a 1099C Cancellation of Debt ( Exhibit D ) with supporting identification and credit report, requesting that all incorrect account statuses be updated and that a corrected copy of my consumer report be issued. These inaccuracies have the potential to cause harm by misrepresenting credit risk.

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 2025-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
They have been accepting charges from XXXX, which I never agreed to. I think the simple fact that I don't use XXXX should be a dead giveaway. Furthermore I haven't been able to spend the last {$1.00} on the card. I've attempted to contact customer service but there is none other than to give them more money. 
I am requesting a full refund on all unauthorized transactions and a paper check in the mail for the final amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Lvnv funding sold my info to another party I did not authorize. I have tried and tried to dispute this. The original creditor does not have a attribution agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: UT

Complaint narrative:
XX/XX/year> says I have a credit card account. Unknown account not mine. Remove account from three credit reports

Company response to consumer: Closed with non-monetary relief