vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XX/XX/year> Capital One connected me to verify a bank account that was being used to pay on my credit card. It was not my bank and I have previously contacted Capital One about XXXX credit cards that were missing and to send out new ones. I never received new cards, instead Capital One did not close down my XXXX cards and someone got ahold of them and was using my credit and paying payments with their bank account. 
I opened up a fraud case on that same day. 
On top of my XXXX credit cards someone had opened a Walmart credit card in my name. After the investigation, Capital One said they were sending me credit checks for the balance but would not reissue me my original credit cards. They said I didn't qualify due to my credit. Which they reported to the credit bureau that I had closed my accounts which I did not. So, because I had identity theft going on, I was the XXXX how lost my good credit and Capital One wont ' even grant me my XXXX credit cards back and to correct the credit report issue. 
I have called Capital One so many times without ever getting anywhere with them. I talked to a XXXX at XXXX on XX/XX/year> which she said they were mailing me out a check, and to correct my credit report. 
On XX/XX/year> I mailed a certified letter to the Capital One Investigation team with no conclusion to this problem. 
I can't even get a credit card now since this and I had been working hard getting my credit cleaned up because I was working towards buying a home which I can no longer do at this point in time. 
As of now, I have contacted Capital One over a XXXX  times with anything being resolved. they would just say the same lines every time I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: IN

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 TransUnion, Experian, 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 Accounts : XXXX  XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$14000.00}, XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3500.00}, XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$2600.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00} XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX bal. {$360.00}, XXXX XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$280.00}, XXXX XXXX XXXX  XXXX Account XXXX : XXXX date opened XX/XX/XXXX bal. {$200.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX, XXXX XXXXXXXX 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 ) 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 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 2025-03-19 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: IN

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 TransUnion, Experian, 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 Accounts : XXXX  XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$14000.00}, XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3500.00}, XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$2600.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00} XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX bal. {$360.00}, XXXX XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$280.00}, XXXX XXXX XXXX  XXXX Account XXXX : XXXX date opened XX/XX/XXXX bal. {$200.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX, XXXX XXXXXXXX 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 ) 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 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems for fraudulently re-aging an old, time-barred debt and violating the Fair Credit Reporting Act ( FCRA ). 

Jefferson Capital is reporting a XXXX debt from XXXX as a newly opened collection account on my XXXX credit report, showing a date opened of XX/XX/XXXX. This is a clear violation of FCRA Section 605 ( a ) ( 4 ), which limits negative reporting to XXXX years from the date of first delinquency. 

Key Issues : Fraudulent Re-Aging of Debt This debt is over XXXX XXXX XXXX, meaning it should have been removed in XXXX at the latest. 
Jefferson Capital manipulated the open date to XXXX to make it appear new. 
False Classification as a Factoring Company Account They are misrepresenting the debt type as a factoring account, which XXXX was not. 
This is a common deception used to manipulate credit scoring models. 
Violation of FCRA and FDCPA Under 15 U.S. Code 1681c, debts can not be re-aged or reported past their legal limit.

Under 15 U.S. Code 1692e, misrepresenting a debt is a deceptive practice and illegal under the FDCPA.

Harm Caused : My credit score dropped by over XXXX points, severely impacting my ability to secure credit and financial stability. 
This false information is misleading lenders, unfairly penalizing me for a debt that should have been removed years ago. 
Requested Action : Immediate removal of this fraudulent account from my credit report. 
A full investigation into Jefferson Capital Systems unlawful reporting practices. 
Possible penalties for Jefferson Capital for violating federal consumer protection laws. 
This is a deliberate and harmful practice, and I request urgent action by the CFPB to enforce compliance with the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Can you please have Transunion update my address and remove all other addresses My address is currently XXXX XXXX XXXX XXXX XXXX Indiana 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 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to formally file a complaint against Chase Bank regarding the Freedom Credit Card welcome bonus that was promised but not honored. 

On XX/XX/XXXX, I applied for and was approved for the Chase Freedom Credit Card based on the advertised promotion that stated I would receive a {$200.00} welcome bonus after spending {$500.00} within the first XXXX months. I met all the required spending criteria within the given timeframe. However, despite fulfilling all the terms and conditions of the promotion, I have not received the promised bonus. 

I have contacted Chase customer service multiple times to resolve this issue, but they have provided no clear explanation. Instead, they claim that the bonus does not apply to my account, despite the fact that I applied under the promotional offer and met all the necessary qualifications. 

I believe this constitutes false advertising and deceptive business practices, as I applied for the card based on the stated promotional terms. I am requesting that Chase Bank honor the promotion and issue the {$200.00} bonus as promised. Additionally, I ask that an investigation be conducted to ensure that other consumers are not subjected to similar misleading practices. 

Please let me know how I should proceed to ensure that Chase is held accountable for this issue. I appreciate your time and assistance in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
Subject : Request for Removal of Unauthorized Credit Inquiries Dear CFPB, I hope this letter finds you well. I am writing to formally request the removal of unauthorized credit inquiries from my TransUnion credit report. Upon reviewing my credit report, I noticed multiple inquiries that I do not recognize or recall authorizing. 

The details of the inquiries in question are as follows : 1. XXXX XXXX XXXX XXXX XX/XX/year> 2XXXX XXXX  XXXX XX/XX/year> 3. XXXX XXXX XXXX XX/XX/year> 4. XXXX XXXX XXXX XX/XX/year> 5. XXXX XXXX XXXX XX/XX/year> 6. XXXX XXXX XXXX XX/XX/year> 7. XXXX XXXX XXXX XX/XX/year> 8. XXXX XXXX XXXX XXXX XX/XX/year> I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or unverifiable. I have already contacted the original creditors who pulled my credit report and have filed a dispute with them as well. I kindly request that you investigate this matter and remove these inquiries from my credit report as they do not belong there. 

Please confirm in writing once the inquiries have been removed, or if any additional documentation is needed to support my request. 

Thank you for your time and assistance. 

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 non-monetary relief
Consumer complaint received 2025-03-19 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Account name XXXX XXXX  Account XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Account name XXXX XXXX  Account XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2025-03-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XXXX I paid {$80.00} to Best Buy Credit Card XXXX out the balance. They charged me a late fee and I called back in XXXX to reverse the late fee. The woman I spoke to said she would reverse the late fee and post dated it so I would not get another late fee. Also there was a {$1.00} remaining balance that she said she would remove and I would not need to worry about it. She assured that I would have a XXXX balance. In XXXX I received another late and then again in XXXX. The balance was supposed to XXXX since XXXX but the credit card company keeps sending me late fees on top of late fees. Today on XX/XX/XXXX, I paid {$120.00}, over the due amount. XXXX XXXX  over the {$79.00} so I would not receive any more late 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 monetary relief
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
There are incorrect items on my report that are unfairly dragging down my scores and preventing me from getting the opportunities I deserve. Its incredibly frustrating to deal with the impact of someone elses mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: VA

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 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 2025-03-19 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: GA

Complaint narrative:
I am a victim of XXXX XXXXg of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
Apparently I was getting money stolen from my chime account slowly multiple times and chime did not stop them at all starting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and the increment amount was {$120.00}, {$75.00} and {$50.00} and {$50.00}, {$75.00} and {$170.00} and {$75.00}, {$75.00} and {$50.00} and {$50.00}, {$70.00} and {$70.00}, {$50.00} and {$50.00} and {$25.00} and {$75.00}, {$70.00}, {$100.00}, {$75.00}, {$75.00} and {$45.00}, {$75.00} and when I filed a dispute they denied my claim and refused to give me a temporary credit even though it was clear that small increments where being stolen multiple times same day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I realized after reviewing my credit profile that I had some inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: DC

Complaint narrative:
I kindly request the prompt removal of the fraudulent entries from my credit report in light of this situation, along with the necessary actions to rectify any inaccuracies or fraudulent activities. Attached are documents from relevant authorities that substantiate my claims.

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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Debit card has been unlawfully shut off twice now not at my request. This was solved and now it happened again days later. Capital One is illegally and unlawfully withholding my ability to access my money. And never once requested my debit card to be shut off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chagreoff XXXXXXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Open

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 2025-03-19 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: The CBE Group, Inc.
State: WI

Complaint narrative:
CBE GROUP. I owe {$340.00}. I am unaware what this is. Please remove from my credit report

Company response to consumer: Closed with non-monetary relief