vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates
State: MA

Complaint narrative:
On or about XXXX XX/XX/XXXX, XXXX XXXX ( also known as XXXX XXXX XXXX ) violated my consumer rights by hiring a third party interloper ( Lewis , McDonnell & Associates ) to negatively report an account that does not belong to me to my consumer credit reports. On or about XXXX XX/XX/XXXX, the CFPB clearly stated " The order permanently bans XXXX from offering or providing consumer leases and requires Tempoe to release all consumers with existing lease agreements from their leases and to allow them to maintain the leased products with no further financial obligation '' according to Docket Number XXXX. Upon attempting to research Lewis , McDonnell & Associates, they are not registered with the XXXX of the XXXX of XXXX  to conduct business. Without being registered to conduct business in the XXXX, you can not legally conduct any business in any form. As far as the XXXX of the XXXX of XXXX  is concerned, Lewis , McDonnell & Associates does not exist. Since Lewis , McDonnell & Associates does not exist, they can not collect anything ; therefore illegally and fraudulently reporting any information to any and/or all of my consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
This issue is with Comenity Bank with a {$4000.00} visa card. I made a mistake on my calendar and made my payment the next day after it was due. We all make mistakes. I'm a good customer. I make my payments every month and on time. I called them to see if they could remove the {$40.00} late fee. After they refuse to work with me on an unfair late fee amount and being a good customer, I paid off my total balance due of {$670.00} on XXXX and closed my account. I told them they need me more than I need them. Now I'm being charged {$5.00} cents after the fact. I feel is a retaliatory move on their part for me closing my {$4000.00} account, hoping I wouldn't see the charge so they can charge me another {$40.00}. There was also a point in the past that I paid my balance in full only to later find a {$2.00} charge on my account. I feel they do this hoping the customer doesn't see this and can hit them with their unfair late fees. In fact, XXXX XXXX  pulled that on me with my XXXX XXXX XXXX. When I caught them, they removed the {$2.00} fee and then I closed my {$2500.00} account. I currently have a XXXX XXXX XXXX and I'd hate to see this tarnished by an institution that thinks they can do anything they want. This was a one item purchase of {$650.00}. I made a {$40.00} payment, was charged {$40.00} for a late fee and now they want an additional {$5.00}. I hope that you can help me with this issue. These banks need to be delt with. Unfortunately I don't have my full account number as I already destroyed the card. In the next section the numbers I submitted are the last XXXX of the account. Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These fraudulent inquiries are affecting my ability to obtain credit. I need them removed immediately

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 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : 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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
According to Frca section 605b it is illegal to report anything on my credit report without my consent, please remove this negative item. Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: OH

Complaint narrative:
I have been a victim of identity theft from the XXXX Equifax data breach. I also have noticed some unauthorized inquiries on my credit reports, along with late payment on my XXXX XXXX XXXX. I have proven to the company that my credit cards and wallets were stolen several times, and the credit bureaus constantly leave the late payment remarks on my credit reports. I need these removed immediately, because it is harming my chances at obtaining a mortgage loan or possibly obtaining a newer car.

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 2025-05-11 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: OH

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports that I have not benefit from. XXXX and XXXX XXXX XXXX have sent my information to credit bureaus without my consent or warning me. I need these fraudulent accounts removed from my credit reports immediately AND PERMANENTLY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: OH

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports that I have not benefit from. XXXX and XXXX XXXX XXXX have sent my information to credit bureaus without my consent or warning me. I need these fraudulent accounts removed from my credit reports immediately AND PERMANENTLY!!!

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 2025-05-11 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: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several inaccurate and potentially fraudulent items listed on my consumer credit report. These errors are damaging my creditworthiness and causing me significant financial and emotional hardship. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that the following information be thoroughly investigated and removed or corrected immediately. 

SECTION 1 : INACCURATE PERSONAL INFORMATION The following names appear on my credit report but do not accurately reflect my identity. These variations may be linked to fraudulent activity or reporting errors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove all inaccurate and inconsistent versions of my name that do not match my legal identity. 

SECTION 2 : DISPUTED ACCOUNTS I am formally disputing the accuracy and validity of the following accounts, which may involve identity theft, reporting errors, or inaccurate payment history : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account contains incorrect payment reporting Please conduct a reinvestigation of these accounts under 15 U.S.C. 1681i and remove or correct all inaccurate or unverifiable data. If the furnishers can not verify the accuracy of these items within 30 days, they must be deleted from my report. 

SECTION 3 : UNAUTHORIZED OR UNVERIFIED INQUIRIES The following inquiries were made without my knowledge, authorization, or permissible purpose under 15 U.S.C. 1681b and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries have impacted my credit score negatively and were not initiated or approved by me. 

Supporting Documentation Enclosed : Government-issued photo ID Utility bill or proof of address FTC Identity Theft Report ( if applicable ) I request that you complete your reinvestigation within the legally mandated 30-day period and provide written confirmation of the actions taken. If these items are not resolved to my satisfaction, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect reporting to credit, attempted removal through credit agencies and creditors to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: CA

Complaint narrative:
I do not recognize this account. It does not belong to me please delete from my report. 

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 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
They were supposed to close my XXXX banking account with capital one bank account that I was a victim of a scam and instead they closed my credit card platinum account and they took a payment from my bank account that I did not authorized and I have been trying to get them to restated open back my platinum credit card account and they are refusing to go by my requested I use the platinum credit card account to pay my bills and I have no job and that was my only option I had to pay my bills that are dues tonight by midnight and also there was no fraudulent activity on my credit card only the XXXX bank account with capital one bank and my credit card had nothing to do with it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
In XXXX of XXXX submitted a credit application for the Synchrony XXXX XXXX XXXX. The card was received on XX/XX/XXXX, before activating called and spoke to XXXX to verified that the promotion was indeed placed on this new card which it was and discussed the terms of the offer with her. On XX/XX/XXXX, called and spoke with XXXX to see if I had met the {$1000.00} spending, which she stated that I had satisfied the requirements for the {$100.00} credit. On XX/XX/XXXX, made a in full payment for the amount due on the credit card less the promotional credit amount that should be received. On XX/XX/XXXX called and spoke with XXXX which advised me that the credit should show at the end of this statement cycle. On XX/XX/XXXX called and spoke to XXXX and she stated that I would see the credit at the end of this statement cycle. On XX/XX/XXXX ( see attached ), a second letter was received from Synchrony Bank stating the same as the first letter, " We are pleased to inform you that your request has been processed ''. On XX/XX/XXXX called and spoke to XXXX and asked to speak to a manager. She asked about the issue, and I informed her, and she placed me on hold to speak with her manager. She came back and informed me that the manager will see to it that the credit is placed on my account. I then asked about the late fees and interest, and she stated that she would remove the interest and late fees. I then asked for a confirmation number, and she gave me ID # XXXX. On XX/XX/XXXX ( see attached ), received a letter that my credit limit had dropped from $ XXXX to {$250.00} and it has lowered my credit score. I went online and my account is still showing late fees and interest charged to my account.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MI

Complaint narrative:
My cash app card and phone where left at my apartment during a vacation and someone made charges on my account they cleared out my account cash app refunded XXXX worth of fraudulent charges but when I put in a dispute for the rest of the fraudulent charges they said I had to verify my identity so I uploaded my id and did it and they said my verification failed and declined my dispute so cashapp admitted the charges where fraudulent but where XXXX  you can only have part of your money back? I thought money is insured I have been useing cashapp for years but I am very disappointed in their fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I applied a Homedepot consumer credit card with Citibank to get interest free payment in XXXX for my XXXX replacement. Until XX/XX/XXXX I just found there was outstanding balance increase in XX/XX/XXXX, but it already passed the grace period of the promotion expires on XX/XX/XXXX. And I ended up with around {$1600.00} interest at high 30 % APR. As it was set up with autopay for monthly minimum payment, and it is first time I enrolled Interest defer rather than interest free credit card program, I didnt track it closely when there was lot things ongoing in my life in the past months. I contacted Homedepot and Citibank immediately when I found it out on XX/XX/XXXX, but was told there is nothing they can do as it pass the grace period of the promotion.

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 2025-05-11 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: TX

Complaint narrative:
I PULLED MY REPORTS AND THE BUREAU IN QUESTION HAS MULTIPLE NAMES, ADDRESSES PHONE AND EMAILS FOR ME. NONE ARE VALID. I HAVE SENT TWO REQUESTS TO CORRECT THIS INFO ALONG WITH PROOF OF WHO I AM AND WHERE I LIVE. I HAVE HEARD NOTHING.

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 2025-05-11 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Im a Capital One credit card customer. I paid my full balance by the due date, including purchase charges and a cash advance. Despite this, Capital One charged me interest on cash advances and purchases. 

I called customer service and was told that there is no way to reverse these charges unless I call and speak to a billing agent directly. The representative also mentioned that many customers unknowingly fall into this situation and are not aware that they must call in to request a refund, even when theyve paid their full balance. 

This seems misleading and creates unnecessary barriers for customers who act responsibly. Ive maintained a history of on-time, full payments, and believe the interest was either improperly assessed or should be waived as a one-time courtesy. 

Im requesting a refund of the interest charges and a clear written explanation of why the interest was applied despite timely full payment, and why a phone call is required to receive a refund that should be automatically granted or accessible online.

Company response to consumer: Closed with explanation