vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The following account was opened by someone else without my authorization using my credit information. I found that my credit information was being use to open accounts using my name in XX/XX/XXXX. 

THE HOME DEPOT/CBNA. Amount : {$2000.00}. Credit Card Opened : XX/XX/XXXX Police report was completed as requested by Credit Companies CASE NUMBER : XXXX No action has been taken by Company at this point. Account was sold to a collection company. I did reported as fraud with them but Citi Bank Continues charging the account back to my credit reports after was a already resolved The unauthorized inquiries listed below were made without my consent and are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) and none of them were initiated and or approved by m myself, all of them reported to all credit burrows 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 XX/XX/XXXX CITIBANK NA XXXX XXXX Date of inquiry : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: FL

Complaint narrative:
- I found out about this debt when reviewing my credit report on XX/XX/year> and disputed with XXXX  twice however no results - On XXXX I reached out to collections company ( Zions Debt Holdings ) to the number showing on my credit report - When I called the Collections company they told me they bought this debt from XXXX and I informed the Collections agent on the phone that I never entered into any agreement with XXXX- I requested proof of debt and a copy of the contract which they emailed to me on XX/XX/year>, its a contract entered on XXXX for a security system to a restaurant business in the XXXX XXXX XXXX, California- As I read the contract it was obvious to me this is a fraud and identity theft as someone took my name and SSN to wrongfully obtain an Alarm Monitoring system with XXXX  on my name ; creating a fraudulent email where the electronic signature was obtained - I called Zion again and explained the contract was fraudulent, not executed by me, and that I have never lived in California, never been in XXXX, have never owned a restaurant business there or anywhere else, don't even know the joint person in the contract either or anyone residing in XXXX, CA - I complained to Zion because of their incorrect way against the law attempting to collect this debt as they placed this negative report on my credit without contacting me first and the agent hanged up on me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-14 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: U.S. BANCORP
State: CT

Complaint narrative:
I canceled my XXXX XXXX ( XXXX  ) subscription a long time ago and no longer have an account with them. Despite this, they have continued to charge my Elan Financial Services credit card on a recurring basiseven after I changed my card number. 

The charges come from XXXX  using various billing descriptors and account updater systems, which allow them to bypass the fact that I changed cards. I never authorized continued billing and can not even access an account to manage or cancel it, as it no longer exists. 

I have disputed these charges multiple times with Elan. While they have reversed some of them ( e.g., {$14.00} on XX/XX/year>, {$8.00} on XX/XX/year>, {$6.00} on XX/XX/year> ), they continue to appear month after month. I asked Elan to block the merchant, opt me out of account updater services, and treat this as fraud. They declined and told me that because I had an account in the past, XXXX is allowed to continue charging meeven after cancellation. This is false and misleading. 

I am requesting that Elan Financial Services : File this as a formal fraud report Permanently block this merchant and all related billing aliases from charging my card Opt me out of Visa Account Updater or similar services I also ask that CFPB ensure they fulfill their legal obligations under the Fair Credit Billing Act and prevent this from continuing.

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am writing as a SoFi checking account holder regarding a recent dispute I filed, which was denied. I provided proof of purchase and email correspondence showing I attempted to contact the merchant, who has remained unresponsive. Despite this, I was told by a SoFi supervisorwho also identified as the account managerthat my claim could only be reviewed if I provided a tracking number by today, XX/XX/XXXX. 

As I explained on the call, the order was never fulfilled and no tracking number was ever generated. I was informed that SoFi would not contact the merchant on my behalf unless I, the consumer, could prove the merchant did not ship the order. I was also told there is no appeals process for denied claims. I had previously sent a follow-up email on XX/XX/XXXX, and received no response. Additionally, an account XXXX named XXXX stated she would follow up with me but never did. 

On the call, the supervisor mentioned that merchants can lie, and that the burden of proof lies entirely with the consumer. I am writing to confirm if this reflects SoFis official policy. If so, Im deeply concernedthis approach seems to protect fraudulent merchants and penalize consumers, potentially amounting to mismanagement of consumer funds. 

Merchant Name : XXXX XXXX XXXX  Transaction Date : XX/XX/XXXX Transaction Amount : $ XXXX Transaction Id : XXXX Claim Amount : {$88.00} Claim Date : XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage was bought by Shellpoint mortgage from XXXX XXXX without my consent. In the process, Shellpoint erroneously paid the county for my property taxes even though they had been legally deferred since XXXX. I supplied all the information to Shellpoint to request a refund from the county ( which the county has agreed was paid in error ). The county has stated there was a refund allocated on XXXX  and Shellpoint claims they have no record of the refund and continues to charge me property taxes and a penalty. They keep saying they have escalated the issue to management yet the case has not been resolved in over 4 months. They also refuse to copy me on any internal discussion on this matter. This has come at great financial hardship as I am XXXX  ( XXXX yes old ) on a fixed income.

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 2025-05-14 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: MD

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 2025-05-14 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
ONE DAY I RECEIVED ONE TEXT MESSEAGE ABOUT MY XXXX CREDIT CARD AND TEXT WAS SAYING TO VERIFY ONE CHARGE THEN I WAS LOOKING FOR MY WALLET I SEE I DONT HAVE MY WALLET. I REPLY IT NO RIGHT AWAY BECAUSE I SEE I DONT HAVE MY WALLET WITH MY CARDS AND ID. AFTER I REPLIED IT NO I TRY TO CONTACT WITH THE BANK BUT THEY WERE CLOSED AND CAN NOT HELP ME THAT THEY. AFTER ONE THEY I LOGGED IN TO MY XXXX CREDIT CARD ACCOUNT AND SEE TWO TRANSACTIONS THEY WERE NOT MADE BY ME AND I NEVER AUTHORIZED THAT TRANSACTIONS. I CALLED BANK AGAIN AND AGAIN AND TELLING THEM TO DISPUTE THAT TRANSACTIONS BUT ALL THEY DID THAT SEND ME A NEW CARD BUT ON MY ACCOUNT I HAVE THAT TRANSACTIONS BECAUSE IT WANTED ME TO MAKE A PAYMENT. AGENT AFTER LOOKING MY ACCOUNT SHE TOLD ME THAT THESE TRANSACTIONS HAS BEEN IN XXXX  BUT I AM IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-14 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: Kriya Capital, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding an account reported by Credence Resource Management , LLC on my TransUnion credit report for an alleged debt with T-Mobile. 

I was never notified of this debt, nor was I given the opportunity to validate or dispute it prior to its appearance on my credit file. I have not received any written communication, validation notice, or documentation explaining the origin or legitimacy of the alleged {$3000.00} debt. 

Despite this, TransUnion is reporting the account as a collection/charge-off, with a derogatory status, harming my credit standing. This reporting violates several federal consumer protection laws : Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) TransUnion failed to ensure the maximum possible accuracy of the information being reported by Credence RM. 

FCRA, 15 U.S.C. 1681i ( a ) I submitted a formal dispute, and the account remains on my report without sufficient verification, violating XXXX obligation to properly investigate and delete unverified data within 30 days. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Credence RM failed to provide a timely debt validation notice before reporting this account to TransUnion. I was not advised of my right to dispute the debt within 30 days, nor did they send any initial communication by mail. 

FDCPA, 15 U.S.C. 1692e and 1692f Reporting an unvalidated and potentially inaccurate debt constitutes false, deceptive, or misleading representation and unfair collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-14 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: GA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 
ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. 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 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 2025-05-14 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 was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX - XX/XX/XXXX 2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$460.00} written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$0.00} Credit limit {$150.00} Highest balance {$460.00} Terms - Account info Account name XXXX XXXX  XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$460.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$460.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$460.00} Highest balance - Terms 1 Month On record until XX/XX/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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
XXXX XXXX charged my card {$440.00} unauthorized. I filed a dispute with chime they initially credited my account with provisional credits and then took the provisional credits back which negative my account. Then I had them reopen it and escalated and they still denied my dispute. Now prior to this XXXX rental car had charged my car XXXX other times and I filed a dispute on those XXXX charges they denied it initially. I had them reopen it now they've given me the provisional credits for those XXXX but my account is overdrawn because of the other dispute. And so when I call and talk to customer service at chime they tell me that basically their dispute process is they try to get a refund from the merchant they don't give it to him then they denied the dispute they do not investigate as they claim they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: HI

Complaint narrative:
They have contacted me multiple times stating that I must pay them right now or they will report it on my credit score. They also stated that if I requested information they would report it immediately. I requested verification of debt as well as a break down of the charges and was never provided them and when I spoke on the phone with them they stated they received the request. This was received over a month ago and I still have the verified delivered. No information was provided and they still are requesting money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: AL

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account being reported on my credit report by XXXX XXXX XXXX XXXX XXXX. The account is inaccurate and should be removed based on documentation I received directly from the collection agency. 
After I submitted a validation request to XXXX XXXX Solutions, their written response confirmed the following : " This will confirm that all collection activity has been suspended and your credit report has been updated to reflect that this account is disputed. '' XXXX XXXX, General Counsel, XXXX XXXX XXXX XXXX XXXX Based on this, the debt has not been validated, collection activity is suspended, and the account is actively disputed. Per the Fair Credit Reporting Act ( FCRA ), unvalidated or inactive collection accounts should not remain on my credit file in a way that misleads lenders or impacts my creditworthiness. Given that the agency has not provided sufficient validation and has acknowledged a dispute status, I am requesting that this account be permanently removed from my credit report. 
Please conduct a reinvestigation in accordance with the FCRA, and notify me of the results at the

Company response to consumer: Closed with explanation