vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: IN

Complaint narrative:
I disagree with this investigation to remove the inquiries that did not have permissible purpose. Hence XXXX requesting procedural request under section XXXX to prove the method that was used to verify that the inquiries below belong to me and were authorized. The truth of the matter, XXXX never authorized to have my credit pulled by the following companies. 

1 : MOBILE AUTOMOTIVE AS XX/XX/XXXX THIS INQUIRY WAS NOT AUTHORIZED BY ME TO BE ON MY REPORT. DELETE THIS INQUIRY DUE XXXX VIOLATION OF 15 USC 1681B 2 : XXXX  XXXX XX/XX/XXXX THIS INQUIRY WAS NOT AUTHORIZED BY XXXX BE ON MY REPORT. DELETE THIS INQUIRY DUE XXXX VIOLATION OF 15 USC 1681B 3 : FIRST HELP FINANCIAL XX/XX/XXXX THIS INQUIRY WAS NOT AUTHORIZED BY ME TO BE ON MY REPORT. DELETE THIS INQUIRY DUE XXXX VIOLATION OF 15 USC 1681B 4 : XXXX XXXX XXXX XX/XX/XXXX THIS INQUIRY WAS NOT AUTHORIZED BY ME TO BE ON MY REPORT. DELETE THIS INQUIRY DUE XXXX VIOLATION OF 15 USC 1681B 5 : XXXX XXXX BANK XXXX XX/XX/XXXX THIS INQUIRY WAS NOT AUTHORIZED BY ME TO BE ON MY REPORT. DELETE THIS INQUIRY DUE XXXX VIOLATION OF 15 USC 1681B 6 : XXXX XXXX XXXX XX/XX/XXXX THIS INQUIRY WAS NOT AUTHORIZED BY ME TO BE ON MY REPORT. DELETE THIS INQUIRY DUE XXXX VIOLATION OF 15 USC 1681B 7 : XXXX XXXX XX/XX/XXXX THIS INQUIRY WAS NOT AUTHORIZED BY ME TO BE ON MY REPORT. DELETE THIS INQUIRY DUE XXXX VIOLATION OF 15 USC 1681B 8 : XXXX XXXX  XX/XX/XXXX THIS INQUIRY WAS NOT AUTHORIZED BY ME TO BE ON MY REPORT. DELETE THIS INQUIRY DUE XXXX VIOLATION OF 15 USC 1681B 9 : XXXX XXXX VIA DEALER XX/XX/XXXX THIS INQUIRY WAS NOT AUTHORIZED BY ME TO BE ON MY REPORT. DELETE THIS INQUIRY DUE XXXX VIOLATION OF 15 USC 1681B 10 : XXXX XXXX ACCE XX/XX/XXXX THIS INQUIRY WAS NOT AUTHORIZED BY ME TO BE ON MY REPORT. DELETE THIS INQUIRY DUE XXXX VIOLATION OF 15 USC 1681B 11 : XXXX XXXX XXXX XX/XX/XXXX THIS INQUIRY WAS NOT AUTHORIZED BY ME TO BE ON MY REPORT. DELETE THIS INQUIRY DUE XXXX VIOLATION OF 15 USC 1681B 12 : XXXX XXXX XXXX XX/XX/XXXX THIS INQUIRY WAS NOT AUTHORIZED BY ME TO BE ON MY REPORT. DELETE THIS INQUIRY DUE XXXX VIOLATION OF 15 USC 1681B 13 : XXXX XXXX BANK XXXX XX/XX/XXXX THIS INQUIRY WAS NOT AUTHORIZED BY ME TO BE ON MY REPORT. DELETE THIS INQUIRY DUE XXXX VIOLATION OF 15 USC 1681B 14 : XXXX XXXX BANK XXXX XX/XX/XXXX THIS INQUIRY WAS NOT AUTHORIZED BY ME TO BE ON MY REPORT. DELETE THIS INQUIRY DUE XXXX VIOLATION OF 15 USC 1681B 15 : XXXX XXXX XXXX XXXX XX/XX/XXXX THIS INQUIRY WAS NOT AUTHORIZED BY ME TO BE ON MY REPORT. DELETE THIS INQUIRY DUE XXXX VIOLATION OF 15 USC 1681B Im requesting you to send a procedural request under section 609 to verify how the inquiries were authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Kikoff Inc.
State: IL

Complaint narrative:
I had a family gathering and someone stole my identity from out of my house. I file a police report for my information being stolen. My credit was above XXXX I received a notification that it was multiplied accounts open in my name and 1 of my debit card which is fifth third bank was being use with a fraudulent check, I was disappointed because i reach out to this bank to stop this fraudulent transaction and they did not stop it they ended up closing the account and the account should never be close. Than I get a call from a creditor stating that kickoff lending group put my credit under XXXX due to a unpaid balance of XXXX dollars and I never signup for this account, someone who was at my home the day of the gathering stole my phone and signup for this fraudulent kickoff account and i reached out to them and they asking me to pay but I shouldnt have to pay If this account was open fraudulent and also gave them my FTC report my police report and more to have this fraudulent account removed off my credit. 

My contact information is XXXX or XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: UT

Complaint narrative:
Debt collector withdrew the court file, I have received documentation from the court stating the file was to be withdrawn immediately, XXXX assuming due to their inaccurate information. XXXX XXXX continues to send me letters notifying me that they are aware a case was filed against me, provided case number shows the case that THEY had to have withdrawn, still attempting to collect this debt when it is not valid. Current letter dates reflect XX/XX/XXXX, the court document was withdrawn XX/XX/XXXX, but yet the company claims this is still open with the court and was opened in XXXX of XXXX? Inaccurate. I demand that this company not only updates THEIR records from THEIR errors in debt validity but stops sending documentation for collection stating that this is still open, this is closed and is to be removed. Please review documents I have provided from the court as well as the letter for collection, inaccurate. Predatory collection attempts, harassment collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express started calling me sister and parents around XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TN

Complaint narrative:
I was approved for the Borrowers Defense in the XXXX lawsuit case. 
A check was sent to a PO box that I hadnt had for 3 years in XXXX of 2025. 
I contacted Mohela after they advised XXXX that the check had been sent. 
Mohela updated my address in XXXX of 2025. 
Now when I call for an update, the customer service rep will put me through to a Specialist. 
The wait times are upwards of 1.5- 3 hours.

My call is never answered after waiting for hours on end. 
I had been in contact with XXXX XXXX from the Dept of Ed but she has since not returned any calls back to me except one.

I would think that after almost a year, Mohela should have the information needed to reissue this check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST PORTFOLIO SERVICING INC
State: TN

Complaint narrative:
I recently open an investigation into several missed payments on my account that resulted in fraud. I asked this company to perform their due diligence and look into fraudulent charges that went on to be reported as missed payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The company only provided my personal information and stated that I was responsible for the charges because my payment information is on the application. This is a part of fraud and the disputed charges from the dates should be investigated as I do not recall being late or authorizing anyone to make purchases on my behalf during this period.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Back is reporting to XXXX XXXX XXXX XXXX XXXX  XXXX acount number XXXX, to be a closed account that is charged off for prophit loss. This company has v isolated my personal rights in accordance with the fair credit reporting act under 15 USC 1681 section 602 which states that I have the right to privacy. 15 USC 1681 section 604 ( a ), section 2, also states a consumer reporting agency can not furnish a account on my credit report without my written instructions. 

This negative item that is being reported without my legal consent is reported as a charge off / prophit loss which means is has been reported to the IRS as such for a tax exemption which automatically clears the debt owed. Furthermore the debt then becomes income and can not be reported as a debt to any credit agency nor can any company report income on your credit report therefore making it a violation under the consumer laws and must be removed immediately to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I never knew anything until I received letters of past due balances. I ignored them because I had no knowledge of these charges. They claimed it happened in XXXX TEXAS a place I have never visited and had no knowledge that it even existed on the map! They should have camera footage of the incident. They purchased 2 items totaling XXXX estimated. How can you say its mine? I filed a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: IN

Complaint narrative:
I requested a deletion of accounts and the company has not provided a response within 30 days hence violating my 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 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XX/XX/year> ], I attempted to withdraw {$250.00} using my XXXX XXXX  debit card at the PNC-branded ATM located inside the XXXX gas station on XXXX XXXX XXXX XXXX, XXXX. The ATM took an unusually long time to process the transaction before ultimately displaying a message that the transaction was declined. I then attempted a second withdrawal of {$100.00}, which was also declined. 

However, when I checked my XXXX XXXX  account, I saw that the original {$250.00} transaction had been posted as completed and the funds were deducted from my balanceeven though I never received any cash from the ATM. 

I contacted PNC Bank, since it was their ATM, and they told me I needed to contact my own bank to dispute the charge. I followed up with XXXX XXXX to dispute the transaction, but I have not received any resolution or update on the status of the investigation. 

I am seeking assistance in recovering the {$250.00} that was withdrawn from my account without any cash being dispensed to me. I believe this transaction was improperly processed and would appreciate the CFPBs help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Millco Management
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: DC

Complaint narrative:
Rocket Mortgage, Quicken Loans XXXX after XXXX Mortgage knowningly and willingly remain complicit.Rocket Mortgage knew the Loan holder was deceased and it was and open estate in MARYLAND.Ive filed a complaint against the estate lawyer and the executric of the estate.i HAD TO FILE FOR BANKRUPTCY BECAUSE THE EXECUTRIX ( PERSONAL REP ) BREACHED HER FIDIUAIRY RESPONSIBILITIES .. ROCKET MORTGAGE, QUICKEN LOANS, XXXX XXXX ( EXECTRIX/PERS REP XXXX XXXX I FOUND THE EXECUTRIC WAS STEALING I IMEDIATELY DEEDED PROPERTIES IN MY NAME TO AVOID LOSING.ITS AN OPEN ESTATE IN MARYLAND PROBATE CASE # XXXX XXXX XXXX XXXX XXXX WAS HIRED BY THE EXECUTRIC HIRED.PLAMORE HAS BEEN XXXX XXXX MYSELF.THAT HE KNOWS HE '' XXXX BEING VERY COMPLICIT.I FILED A COMPLAINT AGAINT THE LAWYER

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing in regard to the charged-off account XXXX XXXX XXXX XXXX XXXX XXXX, with XXXX XXXX XXXX  in the amount of {$390.00}. This account was fully paid off, and I have enclosed proof of payment for your reference. As such, this letter serves as formal notice of my dispute of the account and the charges associated with it. 
Under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and applicable state laws, I am formally requesting validation of the debt. This validation must include competent evidence, such as a signed agreement, demonstrating that I have ( or ever had ) any contractual obligation to pay the amount you are claiming. 
Please be advised that any negative entries related to this account on my credit reports ( including with XXXX XXXX and Equifax ) by your company or any entity you represent, and which pertain to a debt I do not owe, are in violation of both the FCRA and FDCPA. If you can not provide adequate validation of this debt, you are required to request the removal of any associated entries from all credit reporting agencies. 
Until such validation is provided, I request that you refrain from taking any actions that may negatively affect my credit report.

Failure to respond within 30 days of receipt of this certified letter may compel me to take legal action, including filing a claim in small claims court in my local jurisdiction. Should legal action become necessary, I will seek a minimum of {$1000.00} in damages per violation, including but not limited to : Defamation Negligent Facilitation of Identity Theft Violation of the Fair Debt Collection Practices Act ( FDCPA ) ( Sec
tions 807-808 ) Violation of the Fair Credit Reporting Act ( FCRA ) (

Section 623 ( b ) ) Please note that this letter is an attempt to rectify inaccurate records and, as such, any information provided by you will be considered as evidence should further action be required. This request is solely for the purpose of obtaining verification of the debt and is not an admission of any kind regarding my legal obligations.

I look forward to your prompt response and expect that you will resolve this matter in accordance with the law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: IN

Complaint narrative:
It has been more than XXXX XXXX and I have not received a response which is a violation of my 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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion / XXXX  Subject : Dispute of Inaccurate Credit Reporting Applied Bank Account Account Number : XXXXXXXX XXXX XXXX XXXX  Dear XXXX, I am writing to formally dispute inaccurate or outdated information being reported on my credit file concerning the following account : Creditor : Applied Bank Account Number : XXXXXXXX XXXX XXXX XXXX Account Type : Credit Card ( Revolving ) Status : Charge-Off / Collection Balance/Past Due : {$610.00} Credit Limit : {$300.00} High XXXX XXXX {$610.00} Date Opened : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX  ) Last Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Comment : Dispute resolved; consumer disagrees/ Unpaid balance reported as a loss by the XXXX XXXX I am disputing the accuracy of this account reporting for the following reasons : The status indicates that the dispute has been resolved ; however, I have not received any verifiable documentation validating the balance and charge-off status. 
The account history, balance, and status appear inconsistent with my records, and no adequate response or evidence from the creditor has been provided. 
Under the Fair Credit Reporting Act ( FCRA ), the credit bureau is obligated to report only verified and complete information. If the data can not be fully verified, it must be removed. 
I respectfully request a reinvestigation into this account and ask that it be updated or deleted from my credit file if verification can not be fully completed. Please provide me with the outcome of your investigation in writing, as well as any documentation used in the verification process. 

I have enclosed a copy of my government-issued ID and proof of address for your reference. 

Thank you for your time and prompt attention to 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 non-monetary relief
Consumer complaint received 2025-06-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I have an active Capital One auto loan and am experiencing severe financial hardship due to a pending legal matter that has disrupted my income. I attempted to request a hardship pause or deferment via Capital One support on XX/XX/XXXX, but was unable to reach any department that would allow me to submit my hardship documentation in writing. I can not call due to the legal nature of the situation and high levels of XXXX it is causing. I am asking for a pause on negative credit reporting and a written contact to submit my hardship request and documentation. Failure to accommodate this request risks serious credit damage that could impact my future licensing as an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Torres Credit Services, Inc.
State: CA

Complaint narrative:
I was contacted by this debt company XXXX XXXX XXXX, XXXX. Box XXXX, XXXX, PA XXXX. They sent me a letter on a debt that I owed. I made a payment arrangement with XXXX XXXX XXXX XXXX XXXX that gave me until XX/XX/year> to pay this debt of pass due utility bill. I have been making payments on this debt as agree with XXXX XXXX XXXX XXXX XXXX and I am not owed this bill. I told this company about this agreement and it is in the records that I have until XX/XX/year> to pay this bill as agreed by XXXX XXXX XXXX XXXX XXXX. They should not be sending me any debt collection notice and they contact me by telephone or letter any further. They refuse to remove this debt collection from their file. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
A bill payment was sent to non existent account as the payment entry had a typo. I tried to address this with the dispute resolutions team a handful of times. I was either redirected or hung up on. Pull your QA calls for XX/XX/25. 

I made a payment from my Chase XXXX account to my XXXX XXXX XXXX XXXX XXXX payment for {$4700.00}. I was advised by XXXX XXXX  the funds must be in limbo because the account # that the payment went to does not exist. Thus the funds were returned to Chase. Chase is telling me I need to deal with XXXXXXXX XXXX XXXX XXXX is saying I need to deal with Chase because they returned the funds. I can't seem to can a straight answer as to where my payment is or guidance to dispute or file a complaint, leaving this my only recourse. The directive of it might take time has been exhuasted. It does not take XXXX weeks to post funds.

Company response to consumer: Closed with explanation