vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
Fraudulent charges were made on my XXXX Citi credit card on XX/XX/XXXX, and XXXX. I saw the charges pending on my account on XX/XX/XXXX when I went online to pay my bill. I immediately called Citi and told them I did not make any of these charges or the {$7500.00} payment that was put on my account. The payment eventually declined. The lady I spoke with told me that I would receive a fraud report in my email by Friday, XX/XX/XXXX. When I did not receive any email I called Citi back. I explained my entire conversation with the other lady. This woman cancelled the card and sent me to the fraud department where I filed a fraud report. A new card was issued. I never activated the new card. The fraud investigation was closed and I received a letter stating I was responsible for these charges. 

On XX/XX/XXXX, the card had a payment of {$11000.00} pending. I immediately called Citi and told them that I did not make this payment and I wanted the card cancelled immediately. This is the same actions that took place on the first card that they chose to ignore when I called. I told them I did not want another card from them. I demanded that another fraud investigation be conducted. They did a fraud investigation and sent me a letter stating I was responsible for these charges. 

I have reported the identity theft on identitytheft.gov and made a police report. My next step is getting an attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
At XXXX XXXX  my XXXX  account was frozen and locked without any reason whatsoever. I have XXXX dollars that I have no access to now. There is no suspicious activity and i was told that an automated system locked my account. Ive been told I need to wait up to 7 days for XXXX specialist team to review my identification. I do not have 7 days to wait for my money, this money was supposed to feed me for the next month. XXXX  support will not give me a reason why my account was frozen and will not offer any assistance to get my account reinstated. This is RIDICULOUS. An automated system decided to lock XXXX DOLLARS of my money away and i cant get any help or even an explanation. This seems like the company is willfully holding my money XXXX. THIS NEEDS TO END

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt.

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing.

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within XXXX days ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: IA

Complaint narrative:
Received a text from Unifin claiming I had a debt and to log in using the reference number or to call. Tried logging in using the info requested and it stated it couldn't find me then asked me to use additional personal information. I googled the phone number and found many people reported it as a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received a {$200.00} AmEx gift card in XXXX, which is valid through XX/XX/XXXX. There was a charge of {$82.00} on XX/XX/XXXX ( which at the time said pending ) from some company called XXXX that I did not make. I started a dispute with American Express, case number XXXX on XX/XX/XXXX. They declined my dispute on XX/XX/XXXX and closed the case, without giving me any type of explanation. I responded that I vehemently denied making the purchase and asked what name was used, where was the merchandise sent, etc. Again, they responded by saying the dispute is declined. {$82.00} might not be a lot of money, but it's money that was gifted to me and that I did not use, and I want it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MI

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: NC

Complaint narrative:
I received a personal loan from Upstart on XX/XX/year>. I set up auto-pay through Upstart for my monthly installment payments to be deducted from my personal checking account at XXXX XXXX  ending in XXXX. My payments for XX/XX/year> and XX/XX/year> were successfully processed. However, I received an email from Upstart on XX/XX/year> stating, ... my payment failed because [ my ] designated bank account is invalid. I was charged a {$15.00} ACH Return Fee. I immediately called Upstart and spoke with their representative, XXXX. I explained that I had not changed my banking information since XX/XX/year> and that my previous 2 months payments were successful. She waived the {$15.00} and reprocessed my payment. Thereafter, on XX/XX/year>, I received a second email informing that my payment failed for the same reason as stated above and again was charged {$15.00} ACH Return Fee. I again called Upstart and spoke with XXXX and again explained that there is nothing wrong with my bank. She informed me that the failed payment was an error on the part of Plaid which is Upstarts payment processing server. I requested a waiver of the second {$15.00} ACH Return Fee, explaining that Plaid is their processing server and that I should not be penalized because of their mistake in processing my payment. She said she would refer my complaint and request to another department and I would receive an email. She directed me to again connect my bank account through the website which I did. However, I told her I would make my payment myself online, which I did while she was still on the phone and confirmed she saw my payment. My payment went through successfully and cleared my bank. I checked my account and found that they had allocated my payment I made on line {$15.00} ACH Return Fee, interest, and principal amounts. On XX/XX/year>, I emailed my complaint to Upstart for charging me a ACH return fee when the failed payment was not my fault, but the fault of their payment processing server and that I should not be charged. However, I received a final email from Upstart, indicating that had already given me a waiver for the first ACH Return fee and after their investigation my account was charged the ACH Return Fee ( a second time ), that my payment was past due, and that my payment record was noted as paid late. I think it is an unfair practice to charge the consumer a ACH Return Fee and mark their payment record as payment late when the failed payment was not the fault of the consumer, but a fault of their companys payment processing server. I am hoping that you can assist me with having Upstart reimburse my principal loan balance the {$15.00} ACH Return Fee charged to my account and correcting my payment marked late with paid on time since the error was not my fault. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt.

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing.

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within XXXX days ]. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : XXXX. I dispute the entire amount of the alleged debt. 
XXXX. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached. 
XXXX. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me. 
XXXX. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within XXXX days ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I am a victim of identity theft and have recently discovered an unauthorized hard inquiry on my credit report from BK OF AMER dated XX/XX/year>. I did not authorize this inquiry, nor did I initiate any credit application with this institution. This action constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, which prohibits the acquisition of consumer reports without a permissible purpose, and 15 U.S.C. 1681q, which addresses obtaining consumer information under false pretenses. This unauthorized activity has negatively impacted my credit score and may indicate further fraudulent activity involving my personal information. I am requesting that this inquiry be investigated, removed from my credit file, and that any related accounts be flagged and reviewed for potential 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 non-monetary relief
Consumer complaint received 2025-04-28 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: DISCOVER BANK
State: SC

Complaint narrative:
I am submitting this formal complaint regarding Discover Financial Services ( " Discover '' ) for multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), alleged unlawful collection activities after securitization of my account, and failure to properly issue an IRS For

m 1099-C following a charge-off. 1. Inaccurate Credit Reporting ( FCRA
Violation ) : Discover is furnishing inaccurate information to the credit reporting agencies. My credit report reflects an active " charge-off '' status with an outstanding balance. Under standard credit reporting practices, a charge-off represents a written-off debt and should reflect a {$0.00} balance. Reporting a balance after a charge-off is misleading and inaccurate, violating the FCRA, 15 U.S.C. 1681s-2, which mandates that furnishers must provide accurate data and correct any inaccuracies once identified or disputed.

2. Securitization of Receivables : Based on Discovers own SEC filings, the company routinely securitizes its credit card receivables by transferring them into a trust entity. Once receivables are sold or assigned to the trust, Discover should no longer retain the ownership rights necessary to collect on or report the account. If Discover has securitized my account receivable, their continued collection efforts and credit reporting are improper and misleading, potentially violating federal consumer protection standards. 

3. Failure to Issue a 1099-C After Charge-Off : Despite the account being charged off, Discover has not issued a Form 1099-C as required by Internal Revenue Code 6050P. Creditors must issue a Form 1099-C when canceling or discharging a debt of {$600.00} or more. The failure to provide this form affects my financial and tax reporting obligations and may represent noncompliance with IRS regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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