vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX Co XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have called Citi card numerous times to remove the block from online access, no resolution. I use their card extensively but I can not access my statements or transaction history. Im asked to call the Fraud department which I did several times to no avail.

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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year>, there was a fraudulent charge on my debit card, and I called to report the potential charge to WSFS ( which had not yet gone through ). My debit card was canceled, and new card was issued. XXXX days later, I received two separate envelopes from WSFS, each containing a debit card with a different number. I activated one of the cards on XX/XX/year>. On XX/XX/year>, I updated my WSFS online baking app on my phone, selected the new debit card I had activated, so the app knows which card is in use and I could get alerts when activity occurs on the card. Less than XXXX hours later, I received an alert that there was an attempt to use my debit card on XXXX in the central time zone ( I am in eastern ). I could not believe that I had just added the card to the WSFS online banking app and had fraud occur less than XXXX hours later. I have never had fraud occur that quickly on a brand-new debit card that was just added to the banking app. This is the third time I have experienced fraudulent charges on my WSFS debit card in the past year and have had to replace my card. I have never had this experience before until recently. I would understand if I had entered the card in XXXX XXXX or to my XXXX account, etc. but I did none of those things and only had the card in my possession for XXXX days. I called WSFS but the only thing they could do was issue another card. I refuse to activate another debit card through this bank, as the next attempt could be my entire savings. I've been working as a fraud investigator for XXXX  years and I am a Certified Fraud Examiner ( CFE ). I find it too coincidental that I would activate the card in the WSFS app and have fraud occur immediately after. I asked to speak with their fraud department and was informed I could not, but that they will put in the report, and I will not be notified of the outcome. I don't find that to be a satisfactory resolution, as this is my money and essentially my life. I am reaching out because I want to make sure WSFS looks into how this happened and why it happened so quickly. I would also like to be notified of the outcome of their investigation. Any assistance you can provide would be greatly appreciated. I would hate to see WSFS brush this under the rug if there is the potential for internal fraud within their organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Ive been calling trying to access my accounts for XXXX plus weeks. I was told it was under review, then a check would be dispersed. That was the first call, recently I was told the bank has closed the account with my deposits from MDUnemployment and my IRS tax refund and are refusing to provide a solution or offer my statements so I can see why they wouldnt owe me my own money.

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 2025-09-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-11 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:
XXXX XXXX XXXX  is reporting on my credit report Acct # XXXX I never authorized for {$870.00}. I never received any correspondence from this bank. they are reporting a different address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX TX XXXX, this is not my address. My personal information has been compromised from Equifax Data Breach XXXX and TransUnion Data Breach. I have disputed this many times with The CRA 's and they keep reporting inaccurate information.

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 2025-09-11 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:
XXXX XXXX XXXX  is reporting on my credit report Acct # XXXX I never authorized for {$870.00}. I never received any correspondence from this bank. they are reporting a different address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, this is not my address. My personal information has been compromised from Equifax Data Breach XXXX and XXXX  XXXX XXXX. I have disputed this many times with The CRA 's and they keep reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: MI

Complaint narrative:
The XXXX XXXX account is reporting as closed but with missing/incomplete payment history. This does not accurately reflect the status of the account and is misleading under the Fair Credit Reporting Act, which requires maximum possible accuracy. Please either correct the account with full and accurate history or delete it from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX at about XXXX XXXX  ( while I was asleep ) someone I do not know and did not authorize accessed by PayPal account and send him/herself {$1000.00}. Immediately upon discovery of the fraud, I called PayPal and XXXX XXXX  both on Sunday XX/XX/XXXX and reported the fraudulent transfer. My bank closed my account. Meanwhile PayPal had already sent the money to this person. So now PayPal is demanding that I reimburse it for the {$1000.00} which I refuse to do. Some fraudster was able to get around PayPal 's alleged " security '' and get into my account. This is not my fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Has open investigation with company and took well over 10 days and company denied provisional credit. When asked why there was no answer and could not provide an answer as to why.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/2025, a charge of {$550.00} was posted to my Citi credit card by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX for an all-inclusive package. While I signed for the package, the services provided did not match what was advertised or promised. The resorts quality and inclusivity fell far short of expectations, and I did not receive the full value represented at the time of purchase. 

I disputed the charge with Citi under the Fair Credit Billing Act as services not delivered as agreed. Citi initially reviewed my dispute and then denied it, providing me only with the merchants response and a copy of the signed slip. Citi did not address my central concern that the services were misrepresented and not delivered as promised. 

I am requesting that Citi reopen this dispute and evaluate it based on misrepresentation and failure to provide services as advertised, rather than closing it solely on the presence of a signature. I ask for CFPBs assistance in ensuring this matter is given a fair review.

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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XX/XX/year> I purchased a {$5000.00} mentorship program from XXXX XXXX. I paid {$3500.00} upfront on XX/XX/year>, followed by XXXX {$500.00} debit-card installments to complete the {$5000.00} total. The later XXXX {$500.00} payments ( {$1500.00} total ) have already been refunded, but the original {$3500.00} upfront payment remains unresolved. 

The program was sold with a clear guarantee that I would be provided a creator ( a client ) personally signed by the mentor within a few weeks. This guarantee was the primary reason I enrolled. 

Despite giving the merchant over XXXX months and following up repeatedly ( XX/XX/year>, XX/XX/year>, and XX/XX/year> ), no guaranteed client was ever provided. Instead, I was told in writing that the guarantee was honored through XXXX platform, meaning I should find my own client using his outreach system. This is not the deliverable that was advertised. 

I filed a dispute with Bank of America, providing detailed documentation of the promise and the merchants written admissions that they changed the deliverable after I enrolled. Bank of America denied the dispute as outside the dispute timeframe, even though the failure to deliver occurred well after the purchase date. 

I request that this case be reviewed as failure to deliver services as sold and misrepresentation, and that the {$3500.00} upfront payment from XX/XX/year> be refunded, so the total {$5000.00} purchase is fully resolved.

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 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: MI

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX contacted my sister by text message regarding a debt they claim I owe. The message included my full name, an account reference number, and a settlement offer. 

This was not a simple attempt to verify my location, it was a direct attempt to collect a debt by disclosing personal financial information to a third party. This violates the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from contacting third parties about debts except in very limited circumstances. 

I am filing this complaint because XXXX XXXX XXXX improperly disclosed my personal financial information and attempted to collect a debt through my sister. I have saved the text message as evidence.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing XXXX XXXX XXXX tradelines that remain on my reports even though they were never verified within the FCRA deadlines back in XXXX XXXX XXXX and are therefore unverified and unenforceable. 

XXXX : XXXX XXXX : I disputed all XXXX accounts ( via XXXX XXXX XXXX ). Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) the CRA had 30 days to complete a reasonable reinvestigation ; if an item can not be verified, 1681i ( a ) ( 5 ) ( A ) requires prompt deletion. The verification window expired in XX/XX/XXXX with no competent verification produced. 
XX/XX/XXXX : I sent deletion requests referencing the expired window. 
XXXX : Related XXXX  XXXX suits were vacated/dismissed ; still, these tradelines continue to be reported as verified. 

Willful noncompliance : By continuing to report and verify these items after the statutory reinvestigation period expired and after my written deletion requests, the CRAs are in willful noncompliance with 1681i ( and the furnishers duties under 1681s-2 ( b ) ). The ongoing misreporting has suppressed my scores and caused harm ( time, costs, worse credit terms ). 

Accounts in dispute ( XXXX  XXXX family ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts from the same dispute batch are also at issue ; please review all Capital XXXX tradelines associated with my file. ) Please conduct a new, documented reinvestigation & DELETE these unenforceable accounts. Credit Bureaus have 15 days to do so since this has been disputed and causing willful and negligent harm for 24 months.

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 2025-09-11 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:
I am disputing XXXX XXXX XXXX tradelines that remain on my reports even though they were never verified within the FCRA deadlines back in XXXX XXXX XXXX and are therefore unverified and unenforceable. 

XXXX : XXXX XXXX : I disputed all XXXX accounts ( via XXXX XXXX XXXX ). Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) the CRA had 30 days to complete a reasonable reinvestigation ; if an item can not be verified, 1681i ( a ) ( 5 ) ( A ) requires prompt deletion. The verification window expired in XX/XX/XXXX with no competent verification produced. 
XX/XX/XXXX : I sent deletion requests referencing the expired window. 
XXXX : Related XXXX  XXXX suits were vacated/dismissed ; still, these tradelines continue to be reported as verified. 

Willful noncompliance : By continuing to report and verify these items after the statutory reinvestigation period expired and after my written deletion requests, the CRAs are in willful noncompliance with 1681i ( and the furnishers duties under 1681s-2 ( b ) ). The ongoing misreporting has suppressed my scores and caused harm ( time, costs, worse credit terms ). 

Accounts in dispute ( XXXX  XXXX family ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts from the same dispute batch are also at issue ; please review all Capital XXXX tradelines associated with my file. ) Please conduct a new, documented reinvestigation & DELETE these unenforceable accounts. Credit Bureaus have 15 days to do so since this has been disputed and causing willful and negligent harm for 24 months.

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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
RESURGENT RECEIVABLES LLC listed themselves on my credit report as a collection from XX/XX/year>. They caused a XXXX point drop in my credit score which resulted in my amex lowering my credit limits. 
I have never had an account with RESURGENT RECEIVABLES LLC nore do I have any of their contact information. They just appeared on my report with no validity, no account number, no address, or phone number to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief