vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On Wednesday, XXXX I purchased a pair XXXX XXXX from XXXX XXXX XXXX for my husband. We received the shoes on Saturday, XXXX. The wrong color was ordered so I contacted the company on Saturday, XXXX to let them know what happened and if we could exchange. On Sunday, XXXX I received a response from XXXX XXXX XXXX on where to return and what was needed. I promptly repackaged the shoes in the original packaging and on Monday, XXXX I went to the post office to return. On Monday, XXXX the shoes were delivered to XXXX XXXX XXXX. I sent an email on Thursday, XXXX and again on Monday, XXXX for an update. On Friday, XXXX I received an email from XXXX XXXX XXXX stating they would not be refunding my money nor will they exchange the shoes due to the condition they were in when received. XXXX XXXX XXXX accused my husband of wearing these shoes outside of the house more than once. The accusations made by XXXX XXXX XXXX were not true. My husband did no such thing. We knew they were the wrong color and the shoes were returned immediately. Its very clear from the pictures that XXXX XXXX XXXX sent that these shoes were worn for quite a few days. However, it was not my husband. He tried the shoes on in the house to make sure that they fit. He had no desire to keep as they were the wrong color. We dont appreciate being accused of something like this. On Monday, XXXX I filed a dispute with my credit card company. Unfortunately, I was unaware that I would have to burn a roll of film taking pictures of the item ( s ) I returned. On Friday, XXXX I checked my credit card account and noticed that the charge was added back to my account. I have not received any documentation from my credit card company regarding this dispute or why the charge was added back to my credit card. On Saturday, XXXX I called 2 separate times to find out why the charge was added back to my credit card. They are unable to help me due to computer issues and asked that I call them back. I feel that my credit card company did not have my best interest and did not protect me from fraudulent companies. XXXX XXXX XXXX not only has the merchandise that we returned, they also have our money. We have never in our lives been accused of something like this and been treated unfairly by our credit company. I tried to attach copies of emails between me and XXXX XXXX XXXX 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 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally dispute two fraudulent accounts that were opened in my name with Affirm without my authorization. I have already reported this as identity theft, but these accounts remain on my credit report. 

Details of Fraudulent Accounts : Account Number : XXXX Opened on XX/XX/XXXX Amount : {$470.00} Account Number : XXXX Opened on XX/XX/XXXX Amount : {$290.00} I did not open these accounts, authorize these transactions, or receive any goods or services associated with them. This is a clear case of identity theft, and I request the immediate removal of these accounts from my credit report. 

Actions Taken : 1. I have already filed an identity theft report with the Federal Trade Commission ( FTC ) via IdentityTheft.gov.

2. I have placed fraud alerts on my credit file with XXXX, XXXX, and XXXX. 
3. I have contacted Affirm to inform them of the fraudulent activity. 

Requested Actions : Immediately remove these fraudulent accounts from my credit report. 
Provide me with a confirmation letter stating the accounts have been removed. 
Ensure these accounts do not reappear on my credit file. 

Personal Information : Full Name : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter and expect these fraudulent accounts to be removed in accordance with the Fair Credit Reporting Act ( FCRA ). Please provide written confirmation once this issue has been resolved. 

Sincerely, XXXX XXXX Where to Submit This Complaint : CFPB : File online at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If they dont remove the accounts within 30 days, follow up and escalate. Let me know if you need help with the process!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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 filed a cfpb complaint with Equifax concerning improper use of my consumer reports and they failed to comply stating they couldnt find my credit profile but I have a Equifax credit report showing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Starting on XX/XX/XXXX, somebody, unknown to me or my son, gained access to his savings and checking accounts without our permission and without our knowledge ( we are co-owners on these accounts ). On XX/XX/XXXX, two transfers from savings to checking occurred without our knowledge. From XX/XX/XXXX through XX/XX/XXXX transfers from savings to checking became more frequent and in larger amounts, without our permission or knowledge. At the same time, from XX/XX/XXXX through XX/XX/XXXX, without our permission or knowledge, many transactions of XXXX XXXX, and XXXX XXXX were sent to unknown people that we did not approve. Before this occurred my savings account had {$11000.00} and it was all transferred into the checking without my permission or knowledge. From the checking account all the money was sent to unknown people through XXXX, XXXX XXXX XXXX XXXX. My son 's work was also making direct deposits during this time and these were taken without our permission as well, ultimately pulling {$12000.00} from my son 's checking. 

We did not, at any point, approve any of these transactions. 

As soon as we noticed, we contacted Bank of America. They denied our claim and said that we gave permission for the withdrawals, which was not true, so we made another claim and again it was denied. However, we NEVER gave access to the account to anyone and we NEVER approved the removal of all of his money from his savings, into his checking to be sent out to others via the various 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 2025-02-22 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On Friday XX/XX/XXXX at XXXXXXXX XXXX XXXX, I was a victim of wire fraud in my XXXX business bank accounts with CITIBANK. I received a call from Citibank XXXX customer service line which the caller ID indicated. This call was the fraud/scam/spoof. The woman that called said that they saw suspicious activity on my business debit card & rejected XXXX charges ( this was a lie ) I simultaneously received XXXX emails from Citibank noting : password changed, savings transferred to checking and checking plus ( overdraft money ) deposited into my business checking account. The woman on the call said not to worry as she froze my account. The call lasted XXXX minutes. I called my local bank on Monday XX/XX/XXXX in the early afternoon so they could help me continue what to do next. I spoke with the Bank XXXX who then explained to me what really happened, I then called the Citibank Fraud Dept and they filed a dispute and froze me accounts. XXXX wire transfers were made XXXX to XXXX XXXX # XXXX at XXXX Bank for {$10000.00}, and XXXX to XXXX XXXX # XXXX at XXXX XXXX for {$18000.00}. They also debited the overdraft money for {$4900.00} Reference # XXXX plus XXXX wire fees of $ XXXX. A total of {$33000.00}. Lost to me in XXXX minutes. Citibank never alerted me to the wire transfers to this day. I did not even know you could wire transfer on your own in the first place and that the bank can not turn off the wire transfer option in your account either, which I asked them to do, but they can not. This is frightening! I now have the statement for my account showing the wire transfers and the call history from XXXX showing the call, date, time and duration of the call. I have reported this to the police, FTC, FBI XXXX, SSA.Gov/fraud and now XXXX. I Froze all XXXX credit bureaus. Citibanks fraud detection is not working apparently. I have never used a wire transfer in those accounts or drained all the money out ever. I am a long time customer of theirs since XXXX and there is no promise that I well ever see this money again. I have contacted my attorney. I have attached reports but also by accident a prescription refill of mine was included for some reason. I apologize, I didn't know how to separate them.

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 2025-02-22 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:
On XX/XX/year>, I sent certified letter XXXXXXXX XXXX XXXX XXXX XXXX to TransUnion and it was received by them on XX/XX/year> at XXXX XXXX. I asked for any incorrect names be removed and that my one and only name be updated. I also ask that the one and only address I have be corrected and updated. In addition, I requested that the employer XXXX XXXX XXXX XXXX be removed. 

In the letter, I included my Identification along with my proof of address and I received a copy of my credit file from TransUnion dated XX/XX/year>.

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 2025-02-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
They put inquires on my credit report for the car. I want to take off those inquiries on 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 explanation
Consumer complaint received 2025-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They put inquires on my credit report for the car. I want to take off those inquiries on 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 2025-02-22 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: FL

Complaint narrative:
They put inquires on my credit report for the car. I want to take off those inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: TX

Complaint narrative:
It is sad to say that reporting agencies failed to verify information before reporting on consumer reports and violated consumer right every time, My credit report consist of information that i am not familiar with and i do not know why false account are being placed on my report which violate my right as a consumer, requirements relating to information contained on my consumer reports are not right according to the 15 U : S Code 1681c please remove the accounts listed because they are not mine. 

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 2025-02-22 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I had a XXXX and have had a XXXX XXXX in the past few years. I used a credit card to charge up my medical bills. Now, I am unable to work due to my health and medical bills that have piled up. I get getting harrassing calls and bills from credit agency. 

LVNV funding LLC and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX They have team up against me now I keep going to hospital XXXX  out because i cant pay my bills. and now my credit has been damaged because they are reporting i didn't pay my medical bills credit card i use to help me with the medical bills. 

Please help me stop them as i feel XXXX. I cant even ask for a loan to pay off medical bills i have reacked up due to them reporting negative information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX  realized they made an error on lease agreement after all parties signed and agreed to contract. Manager at XXXX XXXX XXXX attempted to make changes to one page to correct error which is illegal. The company then illegally reported to collections once lease ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this complaint regarding LVNV Funding, a debt collection agency that is reporting a debt on my XXXX credit report. I have never conducted business with this company. 
I have contacted LVNV Funding at the phone number ( XXXX ) XXXX listed on my XXXX credit report. 

After providing my name, Social Security number ( last XXXX digits ), and date of birth, the representative stated that there is no account in their database associated with my information. 

Since LVNV Funding has no record of accounts being reported from LVNV Funding, I question the accuracy and legitimacy of these debt being reported on my credit file. 

Fair Credit Reporting Act ( FCRA ) Violation : Under the FCRA ( 15 U.S. Code 1681s-2 ), furnishers of credit information are required to report accurate and verifiable data. LVNV Funding has failed to provide any evidence that this debt is legitimate or that I am responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/year> I walked into a citizens branch for the first time ( the nearest branch to me is XXXX miles one way ) to make 2 check deposits : 1 for {$13000.00} and the other for {$11000.00}. These checks were issued from payroll accounts from a previous employer. The teller not only did not ask for my ID, but didnt ask where the money was coming from. She then alerted me that one of my accounts was in the negative and I had been charged fees. Rather than help me with the fees ( which branch level can do : they have their own fee bucket ) she chose to pass it on to the customer service department to get me out of the branch ). I was told my checks would be on a 3 day hold and given a receipt that explains this. I then called customer service after discovering the {$170.00} in fees on my account. I asked for reimbursement, the rep said no, so I asked to escalate to a supervisor. The supervisor also said they would not reimburse the fees. I let him know that I was not happy with this banking experience and when my check clears Ill be leaving citizens. I told him this respectfully, but I wanted it notated. I then went online and opened a new bank account with a different bank- submitting the deposit to this bank using my citizens debit card. I woke up the next morning XX/XX/year> to all 3 of my deposit accounts with citizens frozen : both of my debit cards not working, and no access to online banking. I called citizens in panic asking whats wrong with my account and was told that my accounts were under review and they didnt notate why. I let the supervisor ( who gave the same name as the supervisor I spoke with the day before ) know that I believed this happened solely because of the fact that I said I was leaving the bank and the bank saw that within my account history as well as my statements the previous day. I let the supervisor know that he needed to alert the branch that I will be coming at the end of the 3 day hold and collecting all of my money across all accounts in cash and closing business with this bank. He said okay and notated that I would be in on Monday. Once I was ready to hang up with him, I asked : please make sure those funds are going to clear on Monday and then he told me actually, there was an extended hold placed for 10 days on it today. I let him know that I would be filing this complaint, along with a slew of others for deceptive banking practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-22 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: NJ

Complaint narrative:
Sent official letter and request investigate collection and sent back the result. Received letter without any validation just said that all is correct. Therefore I have sent all proofs that this collection is not correct and I am still in a dispute process with the original creditor.

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 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
{$3800.00} XXXX XXXX XXXX keeps illegally reporting inaccurate fraudulent collection debt to credit bureau XXXX, XXXX and XXXX. I have submitted evidence through police investigations as evidence of credit card fraud and identity theft. The fraudulent debt was originally removed from XXXX XXXX XXXX XXXX XXXX bought this fraudulent debt account and has reinserted this debt collection as new open debt. This is illegal and has to be removed IMMEDIATELY. XXXX, XXXX and XXXX are not properly investigating this debt as to is was originally reported as fraudulent from original debtor and by law can not be reassigned just because another company bought the fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief