vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
( 1 ) A fraudulent charge for {$900.00} appeared on our Citibank XXXX statement on XX/XX/year>. 
( 2 ) The merchant was listed as " XXXX XXXX XXXX XXXX NY, '' not an entity we are familiar with. A " transportation service. '' ( 3 ) We thought the charge might be for a six-minute {$50.00} XXXX  ride we took in XXXX XXXX ( the driver said he was charging our card for {$50.00} and did not give a receipt ). But I am not sure that the {$900.00} charge relates to that event, and we have not been able to verify that, including because Citibank had not ben responsive with any information about the merchant or the charge.

( 4 ) Citibank initially issued a {$850.00} credit for the disputed charge, and then reversed it.

( 5 ) Citibank has not provided contact information for the merchant despite repeated requests.

( 6 ) Citibank has not provided any explanation for the {$900.00} charge, despite repeated requests.

( 7 ) Citibank claims that XXXX will not provide information about the merchant or the charge either. 
( 8 ) I do not know how many other consumers have been taken advantage of by false or inflated charges by " XXXX XXXX XXXX XXXX NY. '' ( 9 ) Citibank and XXXX should not be shielding this merchant - whatever sort of business it is- and facilitating its fraudulent charges. 
( 10 ) I am hoping you can help us and any other consumers that may be affected by this 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 2025-04-23 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Idk how long this has been open but someone has tooken XXXX XXXX out in my name.please remove these things from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN

Complaint narrative:
XXXXName XXXX XXXXPhone number XXXX XXXXHello, \nI am contacting you to report a fraudulent MoneyGram transfer and request a refund. I believe I was a victim of fraudXXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX  Mastercard Debit ending in XXXX in the amount of XXXX XXXX the amount of XXXX XXXXn the amount of XXXX XXXX the amount of XXXX  the amount of XXXX  would like to request a full refund for these amount of money. \nThis company will not help and will not refund the compromised fraudulence . They actually closed my account permanently too. XXXXThank you.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am contacting you regarding my federal student loan account, aidvantage which currently shows the following : Unpaid Principal : {$11000.00} and {$16000.00} currently its XXXX Unpaid Interest : {$5500.00} Current Balance : {$16000.00} Interest Rate : XXXX XXXX ( Fixed ) Interest Accrued Through : XX/XX/year> I believe there may be an issue with how the interest has accrued or how payments have been applied. I have not received clear communication or statements showing how these amounts were calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
To Whom It May Concern, Bestbuy Citi Card The XXXX charges appearing on my XXXX statement for the credit card ending in XXXX not made by me or by anyone else with my authorization. 

The XXXX fraudulent charges are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$200.00} I previously informed your representatives during my initial phone call that I was and have been physically located in XXXX on the dates of these fraudulent charges. I am attaching statements from my other credit cards which clearly show legitimate transactions made by me in XXXX around the same time. It would have been physically impossible for me to have made these purchases in XXXX XXXX XXXX XXXX XXXX XXXX within such a short timeframe. 

I request that you please re-open your 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 monetary relief
Consumer complaint received 2025-04-22 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX nissan Request for Debt Validation Under 15 USC Greetings, By means of this letter, I am requesting validation of the debt that appears on my credit report in your name. Under the XXXX XXXX XXXX ( FDCPA ) ( 15 USC 1681c ( a ), you are required to provide me with proof that this debt is valid and that you have the right to it. If you can not validate this debt within 30 days, I request that it be removed from my credit report immediately. 
I look forward to your written response with all necessary documentation. Sincerely, XXXX XXXX Contact Information XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I found a listing on XXXX  posted by XXXX XXXX. For an apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I submitted application and was approved. I was told that the apartment was still being finished but i can save it with a deposit because other tenants were also looking. This was my first time applying to an apartment I assumed this was normal. I sent a payment of {$1000.00} on XX/XX/year> and second payment of {$2000.00} on XX/XX/year>. We had planned to meet XX/XX/year> for final payment and signature of lease and he refused. He wanted me to wire the money again. I realized something was not right. I went to the apartment and the property XXXX said she was not aware of my move in or who I was speaking with. I contacted my bank that same day to request my money back and report the scam. My bank XXXX XXXX requested the money back from receiving bank Chase. And they denied return of money due to lack of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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 discovered that my identity had been stolen and used fraudulently. Several unauthorized accounts and credit card transactions were made in my name without my knowledge or consent. I immediately filed a police report with the XXXX XXXX  department on XX/XX/year>, which confirms the identity theft and fraudulent activity. I am attaching a copy of this report as supporting documentation. 

Since discovering the fraud, I have taken the following steps : Contacted the credit bureaus ( Equifax, Experian, and TransUnion ) to place a fraud alert and request a credit freeze. 
Disputed unauthorized accounts and transactions that do not belong to me. 
Filed a report with the Federal Trade Commission ( FTC ) through IdentityTheft.gov. 
Contacted the companies where the fraudulent accounts were opened or used, and provided them with the police report and FTC Identity Theft Report. 
I am requesting that all fraudulent accounts, inquiries, and negative items related to this identity theft be removed from my credit report. I am also requesting that my credit be restored to reflect only accounts and information legitimately associated with me. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was sent a credit card I did not apply for. I then called the company and they said that they will be closing the account and putting it under a fraud alert. I was told to file some sort of report with the FTC and I was brought to this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I made a purchase of a necklace and ring from Kay Jewelers. 
The ring was a {$1100.00} and the necklace was {$1000.00}. The store clerk advised that I could open a store credit card and put the XXXX items on the card. She also advised the purchase would have deferred interest for XXXX  months, XXXX $ down and special financing. She advised that my payments would be {$37.00} per month ( no interest ). 

In XX/XX/year>, I received my first statement that stated {$81.00} was due, not the {$37.00} the store representative advised it would be. The XXXX statement showed no interest included in my payment. The payment was simply not the {$37.00}. 

I went to the store to speak with Assistant Manager to ask why my payment was not {$37.00}. I was told that XXXX, the store rep, has a history of deceiving customers about the interest they will pay. I was advise it would be XXXX  days until I received my first statement so I would have not have known that interest was charged on the account. 

In paid the bill on XX/XX/XXXX. The bill was due on XX/XX/XXXX. I received a late fee in the month of XXXX. The late fee was credited back to my account. 

In XX/XX/year>, XXXX  months after my purchase, my statement showed {$65.00} of interest was charged. 

In XX/XX/year>, the store manager XXXX, advised that I could give back the necklace to reduce the payment. I really did not want either of the items at that point, but I kept the ring. 

On XX/XX/year> I wrote a letter to XXXX XXXX  to dispute the interest. They would respond that in their investigation they did not find anything wrong. I sent them a copy of the brochure and deferred interest chart XXXX used while she was trying to sell me the items. 

I sent a letter to both XXXX  and XXXX XXXX. 

The issue has yet to be resolved and the purchase has been placed on my credit which is usually stellar.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: FC HoldCo LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Unauthorized Vehicle Loan Inquiry Under the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute a vehicle loan inquiry listed on my credit report that I did not authorize. According to the Fair Credit Reporting Act ( FCRA ), Section 604, credit inquiries may only be made with my explicit permission or under permissible purposes as defined by law. 

Inquiry Details : Company Name : Flagship Credit Acceptance Date of Inquiry : XX/XX/XXXX Type of Inquiry : Hard inquiry ( Vehicle Loan ) I have no recollection of applying for a vehicle loan or authorizing this inquiry with the above entity on the date listed. As such, I am requesting that this unauthorized or inaccurate inquiry be investigated and, if found to be unverifiable or improperly obtained, be removed from my credit report immediately. 

Under the FCRA, credit reporting agencies are required to maintain only accurate and verifiable information. I request that you complete your investigation within the required XXXX timeframe and provide written confirmation of your findings and any changes made to my report. 

For your reference, I have included a copy of my credit report with the disputed inquiry highlighted, along with a copy of my government-issued ID to verify my identity. 

Thank you for your attention to this matter. I expect a timely and thorough investigation in accordance with federal law. 

Sincerely, 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NJ

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and furnisher but the late payments remain without proper validation or documentation. Under 15 USC 1681 S 2A furnishers must report accurate information under 15 USC 1681 I the credit bureau must perform a reasonable investigation within 30 days neither have provided sufficient evidence to support the negative reporting. Please remove negative reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: IL

Complaint narrative:
To whom it may concern, I have concerns in regards to what you are reporting on my credit reports. 


Account : XXXX Account is reporting different account status Account is reporting different remarks Account is reporting inaccurate/different payment history Account is reporting different last payment activity Account is reporting different account types if this account is being reported by the same creditor why are there different amounts, dates, account types and remarks? Please remove due to inaccurate reporting. 
according to the FCRA The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies ( CRAs ) ensure the accuracy of information on credit reports. Consumers have the right to dispute inaccurate information and have it investigated and corrected or removed. If a CRA or a furnisher ( the company that provided the information to the CRA ) fails to properly investigate and correct or remove inaccurate information, it can lead to FCRA violations reporting inaccurate information on consumer reports is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, Section 607 ( b ) requires consumer reporting agencies to maintain reasonable procedures to ensure the accuracy of information. Furnishers of information ( like creditors ) also have a duty to ensure the accuracy of the data they provide to CRAs.

also according to the FCRA 15 US Code 1681b permissible purposes include credit transactions, employment, insurance, court order, child support, or consumer written instructions. did I give you permission to furnish my report with this account which has many discrepancies and inaccuracies? I did NOT Give you'll permission to furnish my credit report with this account which is affecting my credit worthiness.

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 2025-04-22 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: IL

Complaint narrative:
To whom it may concern, I have concerns in regards to what you are reporting on my credit reports. 


Account : XXXX Account is reporting different account status Account is reporting different remarks Account is reporting inaccurate/different payment history Account is reporting different last payment activity Account is reporting different account types if this account is being reported by the same creditor why are there different amounts, dates, account types and remarks? Please remove due to inaccurate reporting. 
according to the FCRA The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies ( CRAs ) ensure the accuracy of information on credit reports. Consumers have the right to dispute inaccurate information and have it investigated and corrected or removed. If a CRA or a furnisher ( the company that provided the information to the CRA ) fails to properly investigate and correct or remove inaccurate information, it can lead to FCRA violations reporting inaccurate information on consumer reports is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, Section 607 ( b ) requires consumer reporting agencies to maintain reasonable procedures to ensure the accuracy of information. Furnishers of information ( like creditors ) also have a duty to ensure the accuracy of the data they provide to CRAs.

also according to the FCRA 15 US Code 1681b permissible purposes include credit transactions, employment, insurance, court order, child support, or consumer written instructions. did I give you permission to furnish my report with this account which has many discrepancies and inaccuracies? I did NOT Give you'll permission to furnish my credit report with this account which is affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation