vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
this is about Kohl 's credit card services i received a strange email recently thanking me for my purchase and a survey. i had not been to Kohl 's. i was worried i had been hacked. after a lot of frustrating calls to kohl 's and erroneous information given to me, ( please hear calls from XXXX ) they confirmed a card in my name had been used and to go back to all my c card companies where i may have had a valid card and ask them. kohl 's had the information, i had authenticated myself in every possible way, and kohl 's refused to help by providing me the last four. which means the thief can continue their nefarious ways on my card and others '. kohl 's did absolutely nothing to help me and the first line of their customer service was inept and in fact parked the call in to a XXXX XXXX  because he was embarrassed he was being asked to escalate the call to his manager. i did check with my XXXX  cards and nothing was purchased on kohl 's. kohl 's management did Nothing to stop this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Interest rate
Company: U.S. BANCORP
State: PA

Complaint narrative:
back to XXXX  when the whole world was on resection, the government sign a law requesting the bank to give customer a break on payments, yes it was a relive of what we where going thru not having to worry about loosing our houses, but must of the banks took advantage of that situation. in my case with us bank I was at a XXXX interest rate on a FHA loan, they " helped me '' ( that's they quote ) by doing a loan modification taking me from a XXXX to a XXXX interest rate but still have me on a aha loan paying pmI, asked them if they already increase my interest rate to almost triple why couldn't they at least remove the FHA loan to remove at least the PMI and yet they payments we missed it was put back at the end of the loan so the " help '' was just a win win only for the bank. not mentioning started all over meaning at the beginning of the lean majority of the payments goes to interest so now from {$8.00} only {$30.00} goes to principal.

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 2025-04-30 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In XXXX 2025 I applied for a XXXX XXXX credit card through XXXX XXXX XXXX, with the advertised promotion that if I spend {$2000.00} within the first 3 months, I would receive XXXX bonus miles. On XX/XX/XXXX I was approved. I activated the card and registered for an online account, at which time while reviewing the Rewards section, I came to learn that they were only offering XXXX bonus miles ( after spending $ XXXX ). I purposefully applied for this card with the intention to use it to book my upcoming trip to Hawaii, and checked the flights on the web site everyday while waiting for my card. EVERY TIME I visited the XXXX XXXX web site, I saw the XXXX bonus mile promotion. On XX/XX/year> I contacted XXXX regarding the incorrect bonus miles I am eligible to receive, and explained that was not what was advertise when I applied for the credit card, including this very day that I was speaking to them, the web site was still advertising XXXX miles, and that at no time, was the promotion for XXXX miles. I told them this is fraudulent advertising. They explained sometimes promotions change without notice, XXXX XXXX XXXX, and after being transferred to a supervisor, they were still unable to correct the bonus miles I could be eligible for. They offered their apologies for the " confusion '' and said the best they could do was waive the {$99.00} annual fee.

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 2025-04-30 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: OK

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: MS

Complaint narrative:
Account XXXX XXXX XXXX  XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX with a balance of {$620.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
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: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I have had loan modifications on my loan one being XX/XX/year> the other XX/XX/year> and last one completed on XX/XX/year>. I asked the representatives to update my credit report because of the modification. I am requesting that my modifications be accurately reflected in your records and that all necessary updates be reported to the credit bureaus to ensure my credit report reflects this change appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group
State: CO

Complaint narrative:
This is not a debt that is owed. This is an extremely old account and XXXX  statute of limitations is XXXX  years. I do not owe or claim this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX {$1100.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/2024 Experian XXXX  XX/XX/2024 Experian XXXX XXXX XX/XX/2024 Experian XXXX XXXX XX/XX/2024 Equifax XXXXXXXX XXXX Equifax XXXX XXXX XX/XX/2024 Equifax XXXXXXXX XXXX XXXX XXXX XX/XX/2024 Equifax XXXXXXXX XXXX XXXX  Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I XXXX XXXX life has been a misunderstanding.I have credit cards and different things in my name with bills i have no knowledge of. Please if you look into this matter, it will surely help a innocent person become normal again. I have tried every way to connect with transunion equifax experian credit companies till this day still not treated fairly as other i reported numerous of occasions of mistreatment still nothing done. Lets be fair in life, I try hard to do the right thing it seems as if i am still wrong. Please help me with this matter. Here are some of the credit items i have not been treated fairly with XXXX XXXX sold the unit and charge it upon my credit after being mislead about the time of use i will have upon the property was lied to and also a credit card by the name of XXXX XXXX XXXX XXXX that is clearly not mines was report to credit companies numerous of times Capital One credit card for XXXX $ i truly didnt do and actually paying for it just to clear my name its was XXXX bucks and now never used or anything its this company called webbankavant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-30 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: KY

Complaint narrative:
Subject : Formal Complaint Debt Collection and Verification Issue Account Number : XXXX To Whom It May Concern : I am submitting this formal complaint regarding a debt collection matter with XXXX involving account number XXXX. 

On [ insert date sent or todays date ], I submitted a written request to XXXX requesting verification and validation of the above-referenced debt, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), Section XXXX ( XXXX USC XXXXg ). To date, they have failed to provide the requested documentation or adequate proof that the alleged debt is valid and that they are legally authorized to collect it. 

Specifically, I requested : 1. Proof of their legal right to collect the debt. 
2. Documentation showing my responsibility for the debt, including a signed agreement. 
3. Full details about the original creditor and any charges or interest applied. 
4. Evidence that the debt is not time-barred. 
5. Information on any credit reporting related to this account. 

Despite my good faith effort to resolve this matter, the debt collector has not complied. I believe this may constitute a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I am requesting your assistance in investigating this matter. 

I respectfully ask that the CFPB take appropriate action to ensure that my consumer rights are upheld. 

Thank you for your time and 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 2025-04-30 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Subject : Formal Complaint Debt Collection and Verification Issue Account Number : XXXX To Whom It May Concern : I am submitting this formal complaint regarding a debt collection matter with XXXX involving account number XXXX. 

On [ insert date sent or todays date ], I submitted a written request to XXXX requesting verification and validation of the above-referenced debt, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), Section XXXX ( XXXX USC XXXXg ). To date, they have failed to provide the requested documentation or adequate proof that the alleged debt is valid and that they are legally authorized to collect it. 

Specifically, I requested : 1. Proof of their legal right to collect the debt. 
2. Documentation showing my responsibility for the debt, including a signed agreement. 
3. Full details about the original creditor and any charges or interest applied. 
4. Evidence that the debt is not time-barred. 
5. Information on any credit reporting related to this account. 

Despite my good faith effort to resolve this matter, the debt collector has not complied. I believe this may constitute a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I am requesting your assistance in investigating this matter. 

I respectfully ask that the CFPB take appropriate action to ensure that my consumer rights are upheld. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retail Merchants Associates
State: LA

Complaint narrative:
Requested validation of alleged medical debt from debt collector. They responded with medical records. A DIRECT violation of HIPPA regulations. Not only did these documents have procedures and/or medications received. It also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I never signed a HIPPA form authorizing any such access to my medical records third party. 

Account name : The retail merchant in Account # XXXX Also medical debt is not to be reported on credit reports no more as it was not fault for getting sick.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this statement to formally assert that the following accounts appearing on my credit report are fraudulent and were not authorized, opened, or created by me. These accounts are the result of identity theft, and I have no connection or responsibility for them. 

Despite the reported dates on my credit report, I did not engage in any transactions with these companies, nor did I open or approve any of the accounts listed below : XXXX  XXXX XXXX Reported : XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$670.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$200.00} XXXX Reported : XX/XX/XXXX {$220.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$720.00} XXXX XXXX Reported : XX/XX/XXXX {$110.00} XXXX Reported : XX/XX/XXXX {$220.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$2000.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$200.00} XXXX XXXX Reported : XX/XX/XXXX {$110.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$1100.00} These entries are the result of unauthorized use of my personal information. I request that these accounts be removed in compliance with the Fair Credit Reporting Act, specifically 15 U.S. Code 1681c-2, which grants me the right to have fraudulent information blocked upon proper documentation. 

I have included a copy of my ID and will also provide a police report and an identity theft affidavit upon request. 

Sincerely, 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