vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Kohl 's sent me a new store credit card. They are apparently doing this to everyone. I didn't ask to be issued this card and furthermore there is no information sent with the card or on their website about the apr or other terms I believe are required by the truth in lending laws. Don't they have to provide this information if they are sending me a new card? They even give a website for more information and know where there does it discuss the APR or anything else either. This seems deceptive and should be addressed online and in the materials that come with the card. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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:
PLEASE REMOVE INQUIRES I did not authorize the inquires listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-03-02 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:
PLEASE REMOVE INQUIRES I did not authorize the inquires listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Portfolio Control Inc.
State: DE

Complaint narrative:
My personal information was exposed on a data breach associated with XXXX XXXX XXXX. Information like my name, surname, date of birth, addresses, cities, zips, phone numbers, and social security found on the dark web. Risk is medium to high and can show proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
1. **Failure to Acknowledge SCRA Protections** : - I contacted XXXX XXXX XXXX XXXX XXXX ) via their live chat system to request retroactive application of the Servicemembers Civil Relief Act ( SCRA ) to an account originally opened with Synchrony Bank ( PayPal Credit ). The chat session was terminated immediately after I mentioned the SCRA, without explanation or assistance.

- I also and disputed and offered to provide documentation proving eligibility for SCRA benefits, including : - Proof of my spouses XXXX XXXXXXXX status ( service began in XXXX XXXX ). 
- Documentation confirming the debt was incurred **prior to my spouses XXXXXXXX XXXX**. 
- XXXX has not acknowledged my requests, adjusted the account, or communicated further. 

2. **Ongoing Non-Compliance** : - Despite SCRA requirements, interest has continued to accrue on the account. The debt was transferred to XXXX after origination, but they have failed to honor the retroactive 0 % interest rate mandated by federal law.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX, have been a victim of identity theft. Unauthorized individuals have fraudIulently used my personal information without my consent. I am not responsible for any transactions, accounts, or actions taken in my name without my authorization. I am taking all necessary steps to report and resolve this matter with the appropriate authorities and Financial institutions.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently I viewed a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I am requesting an investigation. 

Account Name : XXXX XXXX XXXX/ XXXX Account # : 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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been off of child support since 2010 due to false paternity. Upon doing my own research I read that it is unconstitutional for this to be placed on my credit report because this is not something that was done using my social security number for to have to be reported to any of the credit bureaus. I have filed multiple disputes and upon doing more of my own research this is considered a breach and is a violation of 15 USC 1681. I also read that child support is unlawful and is only in the best interest of the state. I am requesting once again for this to be permanently removed from my credit report because it is causing me to not be able to have my credit ran for important things. If needed I will contact my attorney general

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 2025-03-02 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:
Account Opened in XX/XX/year>2025 with XXXX XXXX Hard Inquires 1. XXXX XXXX inquired on XX/XX/year>2025 2. XXXX XXXX XXXX inquired on XX/XX/year>2025 2025

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 2025-03-01 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX , I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit Please delete the items as soon as possible.

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 2025-03-01 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: LA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/year>2019 Balance {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: GA

Complaint narrative:
This is a formal complaint regarding your failure to provide the legally required documentation validating your right to collect on the alleged debt associated with Account # XXXX. 

I previously requested the Forward Flow Agreement ( FFA ) or any Bill of Sale that establishes a legitimate chain of assignment from XXXX XXXX XXXX ( ACA ) to Plaza Services , LLC. Instead of fulfilling this lawful request, you responded with general loan documents that do not address the legal transfer of debt ownership in complaint number XXXX. 

Legal Violations & Demands : 1.Failure to Provide Proof of Ownership & Collection Rights Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide verification of the debt, including evidence of ownership and assignment.

Your failure to supply the Forward Flow Agreement or Bill of Sale means you may not have the legal standing to collect on this debt or report it to credit bureaus.

2.Unlawful Credit Reporting Potential FCRA Violation Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), you must ensure the accuracy of the information reported to credit bureaus. If Plaza Services , LLC can not prove legal ownership of the account, then any reporting to XXXX, XXXX, or XXXX constitutes inaccurate reporting, which is illegal. 
3.Possible Deceptive Collection Practices Under 15 U.S.C. 1692e, it is a violation to misrepresent the character, amount, or legal status of a debt.

If Plaza Services does not legally own or have collection rights, any attempt to collect is a deceptive practice that may result in statutory and actual damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Dispute and Demand for Removal of Fraudulent/Inaccurate Information Due to Data Breach To Whom It May Concern : I am writing to formally dispute all information on my credit report ( report number : [ insert report number, if available ] ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and to request the immediate removal of fraudulent or inaccurate data resulting from a confirmed data breach. My personal information, including Social Security number, financial accounts, and other sensitive data, was exposed in a breach of XXXX, XXXX, Equifax, Transunion, XXXX, XXXX  XXXX XXXX and and XXXX XXXX XXXX XXXX This breach has placed me at significant risk of identity theft and financial harm. Under FCRA 605B, you are required to block the reporting of any information identified as resulting from identity theft upon receipt of valid documentation. Additionally, FCRA 611 grants me the right to dispute inaccurate or unverifiable information. All data on my report must be investigated, as the breach compromises the reliability of any information tied to my identity. I demand the following actions : Remove or block all fraudulent, inaccurate, or unverifiable information from my credit report resulting from the breach. Notify all relevant furnishers ( e.g., lenders, creditors ) of the disputed items, as required by FCRA 623. Provide me with a revised copy of my credit report and confirmation of corrections. Place a free extended fraud alert on my file for seven years under the FCRA and the Fair and Accurate Credit Transactions ( FACT ) Act. Enclosed Documentation ( Certified Copies Do Not Return ) : Copy of my government-issued ID. Proof of the data breach Failure to comply with FCRA obligations may result in legal action, including claims for damages under 1681n. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and [ State Attorney Generals Office ]. Please confirm receipt of this dispute in writing within 5 business days and complete your investigation within 30 days, as required by law. For urgent resolution, I also request a security freeze on my credit file under the FACT Act to prevent unauthorized access. Sincerely, CC : Consumer Financial Protection Bureau ( CFPB ) | Federal Trade Commission ( FTC ) | [ State Attorney General, if applicable ]

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I never lived at the address listed on my credit report. The address listed below needs to be removed from all credit bureaus, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: AZ

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX  - XX/XX/scrub>/2023 XXXX XXXX - XX/XX/scrub>/2023 XXXX XXXXXXXX XXXX XXXX/2023XX/XX/year>

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 2025-03-01 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: PR

Complaint narrative:
I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. I have attached a copy of my police report/FTC identity
theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA. 
Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau . 

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report. 

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but CREDIT BUREAU has failed to provide a solution to this issue. 

This has significantly impacted me, preventing me from acquiring a new home for my family. 
This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me. 
I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 
For these reasons, I request immediate action to block and remove this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
AMERICAN EXPRESS Date opened Balance Status Account charged off. {$1300.00} written off. 
{$1300.00} past due as of XXXX XXXX. 
XX/XX/XXXX {$1300.00} According to 15 USC 6802 this account must be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX, Acct ending in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX, Acct ending in 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 2025-03-02 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: TX

Complaint narrative:
*1 am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
*1 am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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 2025-03-01 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX Acct ending in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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:
DATA BREACH WITH ALL CREDIT REPORTING AGENCIES INCULDING EQUIFAX, EXPERIAN, TRANSUNION AND XXXX XXXX. DATA BREACH WITH THE SOCIAL SECURITY ADMINISTRATION, DATA BREACH WITH THE DEPARTMENT OF TREASURY, DATA BREACH WITH THE INTERNAL REVENUE SERVICE HAS BEEN REPORTED AS A VICTIM OF DEFAMATION, FINANCIAL INJURY, AND FCRA Section605 ( c ), Section 611 Part ( A ) ( 1 ). This complaint is NOT AN ATTEMPT TO DISPUTE any part of these fraudulent accounts BUT A LEGAL AND LAWFUL DEMAND. These agencies are civilly liable pursuant to 15 U.S.Code 1681n, Commerical Law,

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