vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
I was a victim of fraud via my Charles Schwab Bank checking account. This was in late XXXX, i.e. more than four months ago. 

I had placed a check for almost {$7000.00} in the mail then found that it had been cashed by a different party, with a very sloppy/obvious overwriting in the " payee '' field. Somehow Schwab 's process did not detect this. 

Not only have I not been reimbursed, I am unable to obtain any indication of the status of the investigation. 

$ XXXX is a significant amount of money for me to do without for such a long time. 

I contacted Schwab immediately and they initiated an investigation. There was minimal back and forth, but some confusion as they asked for a signed affidavit, which I sent, but which they apparently did not receive. I got another copy of the affidavit notarized and then resubmitted it. Since then, I've continued to email and call numerous times. I've tried to escalate. I've literally begged for a response. To no avail. 

I replied numerous times to the individual from the fraud investigation unit, XXXX XXXX XXXX, who had contacted me. I could not get a response from her. I asked her for status. I asked her to phone me because I wanted to be certain I was doing whatever I needed to do. 

I am at the end of my rope and need some help to breakthrough to Schwab to get at minimum a status and ideally a quick resolution. 

I can be reached at XXXX and/or XXXX. 

Thank you, in advance, for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/year> I made two payments to my CITI XXXX XXXX credit card. Both were immediately applied to my available credit. This feature is one Ive always appreciated with this card. On XX/XX/year> I made another payment of {$500.00}. When posting the payment I received an alert that this was flagged as a possible duplicate payment, I confirmed that this was not a duplicate but a separate payment. The payment immediately posted to my transactions but not to my available credit. I assumed that because it was flagged the credit may not reflect until the payment cleared my bank account so I waited. Today XX/XX/XXXX, I noticed the payment had cleared from my bank account. When I checked my credit card, I noticed the available credit still did not reflect that payment so I called CITI customer support. The first person I spoke with informed me that because I had made multiple payments they hold the last payment for verification and that it would be verified on XX/XX/XXXX. I clarified that the money had already been removed from my bank account and therefore should be reflected on my credit card. He stated there was nothing he could do until it was verified on XX/XX/XXXX so I asked to speak with his supervisor. The supervisor had a similar response but mentioned proving that the money had cleared my bank account. I told her I would be happy to send proof the money has left my account and to simply tell me where to send that documentation. She then stated that it didnt matter and they would not release the {$500.00} until XX/XX/XXXX. I hung up in frustration. 

Consequently my {$500.00} is now inaccessible for the next 5 business days and I will be late on particular subscriptions/bills through no fault of my own, however I will be responsible for paying any incurred fees. 

This reflects very poorly on both CITI and 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 2025-09-02 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-02 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: WA

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

1681c2 ) that you, the Experian 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/2025, I mailed Ally Financial a Strict Foreclosure Proposal under UCC 9-620, delivered via USPS Certified Mail . This proposal allowed Ally 21 days ( until XX/XX/2025 ) to cure or rebut in proper form. 

On XX/XX/2025, Ally sent a first-class letter ( Exhibit G ) stating : None of these documents are legally binding on us, and we do not understand what your purpose was in sending them. As a result, we are unable to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this rebuttal to National Credit Systems , Inc. ( NCS ) s response regarding my dispute. Their reply fails to meet federal requirements under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

NCS stated that : Charges were not assessed by NCS. XXXX XXXX has disputed his debt, and NCS has submitted his dispute to the CRAs as required by law. The original creditor contends that the debt is in fact owed and has provided documentation supporting the charges they assessed.

This response is inadequate for the following reasons : Debt Validation Requirement FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ) : NCS must provide direct validation of the debt to me. This includes : A copy of the signed lease agreement, An itemized accounting of all charges, A bill of sale or assignment agreement showing that NCS has the legal right to collect this debt, or a copy of the collection authorization contract with XXXX XXXX XXXX. 
Without proof of ownership or authorization, NCS can not demonstrate that they are legally entitled to collect.

Accuracy of Reporting FCRA 611 & 623, 15 U.S.C. 1681i, 1681s-2 : NCS continues to furnish this account to the credit bureaus without providing me with verification. The law requires deletion of any item that can not be fully verified. 
Failure to Provide Documentation : NCSs statement that the original creditor contends the debt is owed is not validation. I have not been provided with any documentation directly supporting the charges or NCSs right to collect. 
Requested Action : Require NCS to provide me with : A copy of the signed lease agreement, An itemized breakdown of charges, and A bill of sale/assignment or collection authorization proving NCSs legal right to collect this debt.

If they can not provide this documentation, I request that the CFPB direct that the account be permanently deleted from my credit reports as unverified under the FCRA. 
Thank you for your assistance in ensuring compliance with federal consumer protection laws. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
Account CAINE & WEINER XXXX XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail with receipt displaying my signature. If not, please delete account XXXX XXXX as soon as possible from my report or I will have to take legal action. 15 U.S.C 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt The debt collector must cease all communication

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I did not receive my paycheck for the week ending in XX/XX/year>. PayPal placed my account on hold Wed XX/XX/year> the day of my direct deposit. lifted the hold XXXX XX/XX/year>. Ive contacted XXXX  and my employer multiple times the issued still hasn't been resolved, I'm starting to frustrated because I was supposed to be buying a car last week to gain further employment my job assignment ended XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/XXXX, I received an email stating that my phone number was removed from my Chase bank account and my XXXX account that is connected to the bank account. I then went to log into the banking app, and it says that my account was locked due to suspicious activity. Afterwards, I called and spoke to two representatives. One representative said my account was restricted without giving me a reason on why, said that I will not be able to use my card nor will I be able to withdraw my funds. The second representative said the same about the account being restricted, but she also said that I could either wait almost 30 days to receive a cashier 's check for my funds or go to a branch and ask them if I can withdraw the funds there. I just came back from the branch location, and the teller informed me that the restriction on my account states that I or the bank can not make any transactions ( deposits or withdrawals ) within the account. She also states that they were supposed to give me a notice that my account would be restricted and given me 24 hours once notice is received to retrieve any funds from the account. I have over {$400.00} in that account that I needed to use today and this is horrible. She also stated that once a restriction is put on an account, a cashier 's check would be processed by the end of the day the restriction took place. The restriction was placed yesterday, XX/XX/XXXX, which I know is a holiday. However, I used my card this morning, XX/XX/XXXX, perfectly fine. I called again and spoke to a third representative requesting to speak to a supervisor to explain that this is such an inconvenience and very unprofessional. I have not done anything suspicious on my account, and this is completely wrong. She then told me she spoke to her supervisor, but he can not speak to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX which is XXXX XXXX account was link to address XXXX XXXX XXXX XXXX, XXXX FLXXXX. By submitting my lease and identity theft affavidt and check stubs. I proved I never lived there and that it was fraud. Now LVNV Funding LLC has bought this fraudulent debt.Now this company is now making credit card statements with my current address. I have never had a credit card with these people. I proved it was identity theft now this company is still trying to force me to pay a debt. I didnt even do. This is identity theft! XXXX XXXX XXXX is XXXX XXXX. There should be some type of punishment for the committing fraud against me creating those false credit card statement for XXXX. This bank and credit card company should be in trouble. I suffered identity theft now I have a company committing fraud against me. This company has been proven to do fraud /identity theft. This is the third company they sold this fraudulent debt to. I refuse to pay for identity theft. XXXX XXXX XXXX / XXXX XXXX should get in trouble for committing fraud against a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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