vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
On XX/XX/year> I was alerted that my Citibank visa in cooperation with XXXX had closed my account due to their in house determination that my membership with XXXX had lapsed after only opening account with both XXXX and Citibank in XXXX, 2025, so how can it be that the membership lapse after a couple of months at best? I have gone through so many calls with Citibank and XXXX only to be put off with their 7-10 business days to review my request to have this account reopened.

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 2025-04-12 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX Balance {$0.00} & XXXX XXXX XXXX Balance {$32000.00}

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 2025-04-12 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XXXX XXXX XXXX, I stayed at a small bed and breakfast ( XXXX  XXXX XXXX ) and was significantly overcharged. The agreed-upon total for our stay was approximately {$610.00}, but due to billing errors on the merchants end, both my card and my partners card were charged separately, resulting in over {$1000.00} in total charges for a single reservation. 

My partners card was charged {$300.00}, and my card was charged {$300.00} and an additional {$420.00}. This clearly reflects a double-billing issue. I disputed all three transactions to give the merchant and Chase the opportunity to correct the error through proper channels. 

The merchant admitted fault for the duplicate {$300.00} charge and issued a refund on XX/XX/scrub>XXXX XXXX XXXX, which is direct proof that at least part of the charges were incorrect. However, the merchant failed to provide any legitimate explanation or breakdown of the {$420.00} charge. I was never provided a receipt at checkout, nor did I receive any follow-up email or documentation regarding the charges. 

Despite this, Chase denied my dispute for the {$420.00} charge. This is unacceptable, as : - The total charged across two cards far exceeded the agreed total.

- One charge was already refunded, proving the merchant made a mistake.

- The merchant failed to provide documentation or itemized billing. 
- I did not receive the goods/services claimed under the disputed charge. 

I am requesting that the CFPB investigate this matter and ask Chase to reopen or escalate the dispute. Chase has failed to adequately protect me as a consumer under the Fair Credit Billing Act. The merchants disorganized billing, failure to document, and admission of overcharging should have been more than enough to support a full reversal of the {$420.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This chargeoff is being reported with a past due balance. It is against FCRA to report it is a charge off to be reported on a credit report with a past due balance. The information you have reported to all three credit bureaus does not match. They are all different. Canceled debt is considered income and it is illegal for income to be reported on a credit report. I never received a 1099. I need to see the contract between this debt collector This account needs to be removed from my credit report for inaccuracy and breaking FCRA laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I'm a victim of fraud, none of thosecredit check I requested it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
My mortgage company, Select Portfolio Servicing XXXX XXXX, started an Escrow Account for my XXXX property taxes after I asked them to close it previously on XX/XX/XXXX. I informed them at the time that I wished to make my payment directly to XXXX XXXX, MO. 

I am still in the process of disputing the amount of {$1100.00} which they said was an advance. This is part of complaint XXXX filed on XX/XX/XXXX. There is no reason for the company to set up a new Escrow account. The fact that my payment for XXXX taxes was late was not of my doing. I paid into an Escrow account for XXXX for taxes with the assumption that said monies would pay for my taxes. I, in fact, alerted the company that the taxes had not been paid on XX/XX/XXXX after asking XXXX XXXX why I had not received my receipt. It still took them XXXX weeks to pay the taxes. 

This claim that I owe {$1100.00} as a shortage and the adding an additional amount of {$93.00} raises my monthly payment to {$570.00}. This is an increase of {$240.00} per month. 

I will be sending another letter to the company asking for my Escrow to be closed. Their previous responses to my inquiries leaves me in doubt as to whether my concerns will actually be addressed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I received an email that my account had a negative balance so I was trying to fix the situation by adding money to my paypal account and every single time I do it and use my debit card it says there is a problem with the transaction. I had full intentions of fixing the negative balance but then it says the only other option i have applicable to me is to use my bank account but then it says that takes 3-5 business days to complete. I wake up this morning and it says again that my account has been permanently limited or deactivated. This is absurd! How am I supposed to handle the situation if you all don't give me a chance to? That does not comply with the user agreement either. I would like to have my account back from paypal in good standing and to have the capability of using my cards to add money to it. I have already updated my apps, cleared cache, etc. its not an issue on my end. This is a. Huge disruption in my life as i have paypal credit, debit card, etc. i should not have to wait 180 days for you all to release any funds i may have ( since i have pending refund from a seller )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a collection account with XXXX XXXX XXXX {$3100.00} This account has resulted in a fraudulent account appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account as reported. The aforementioned appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is 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 collection account 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 2025-04-12 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tenant Data Services Inc
State: VA

Complaint narrative:
I demanded that the consumer reporting agency in question immediately implement a full security freeze and enforce an opt-out from any use of my consumer data, including personal information, tenant screening, and rental background reporting. 
I am not seeking rental housing and have not provided consent for the use, sale, or distribution of my personal or rental-related consumer data. Any continued or future access, reinsertion, or dissemination of such information without my express permission is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: IN

Complaint narrative:
A collection account was previously deleted from my credit report, but it was later re-added by the same collection agency. When it reappeared, the account showed a new date opened and a different balance from the original. This appears to be a case of re-aging the debt, which violates the Fair Credit Reporting Act ( FCRA ), as it can unlawfully extend how long the account stays on my credit report. I did not receive any proper notice or validation of the debt before it was reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Subject : Debit Validation Request Under 15 USC 1692g To Whom It May Concern, I am writing in reference to the alleged debt associated with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, currently owned by XXXX. This letter is a formal request for debt validation pursuant to 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I request the following information : A full, detailed list of the payment history on this account, including all payments made, dates, and amounts. 

A copy of the original contract with the creditor, including my original signature, to verify that I agreed to the terms of this debt. 

Documentation confirming whether any insurance claims have been filed on this debt. 

The complete chain of title, demonstrating the legal ownership transfers of this account from the original creditor to Caine & Weiner Company Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding my experience with Citibank. My complaint case numbers are # XXXX, # XXXX XXXX and # XXXX. I've been in contact with the Citi Executive Unit since XX/XX/year>, in regard to the issue with my blocked checking account. On XX/XX/year>, I was informed that a response would be provided within 15 calendar days. However, on XX/XX/year>, I received a response from the Citi Executive Unit stating that there had been a delay in resolving my concerns and that additional time was needed to research the matter. Finally, on XX/XX/year>, I received a response stating that they have requested another letter to be sent via United States Postal Services ( USPS ) from the Fraud Prevention Department. Five weeks have passed and the letter still hasn't arrived. So I sent them an email on XX/XX/year>, and I also submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, XXXX case # XXXX. 

The Citi Executive Unit responded to me on XX/XX/year>, saying, " We certainly regret the inconvenience and frustration you may have experienced due to the inability to access your account. In an effort to identify possible fraudulent activity, we observe various measures and criteria to screen for possible fraudulent activity associated with the use of your account or card. As a result, it may be necessary for you to contact us for verification of such activity. Please be assured that these measures are in place for the protection of our customers, and we apologize for any inconvenience you may have experienced regarding this matter. As we previously advised, letters were sent to you to a verified address with the most recent letter sent dated XX/XX/year>, from our Fraud Prevention Department. This letter provides instructions on how to complete the verification process. To complete the verification process, please contact our Fraud Prevention Department.

And follow the instructions given in the letter.

According to the fraud department, the only way to unlock my account was to receive a letter with a reference number. For several months, possibly more than a year, I called at least three times a month, but it never arrived.

So I want to know what address is a verified address and is this address different from my billing address?

It seems like I am not getting the necessary assistance from the fraud department at Citi bank, and there's uncertainty regarding my verified address. Im also losing faith in the Consumer Financial Protection Bureau ( CFPB ) as well, as they don't appear to be taking any action in my case. It's becoming clear that Citi bank isn't addressing my situation effectively.

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 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I was surprised to see a collection for credit collection services on my credit report. I believe it to be fraud. Never dealt with this company before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX regarding an account ending in XXXX, which I am currently disputing. I received a communication from them attempting to collect a debt that I do not recognize and believe may be inaccurate or invalid. 

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I sent a formal written dispute letter requesting validation of the alleged debt. In that letter, I asked for a full breakdown of the amount owed, the name of the original creditor, and documentation showing that I am legally obligated to pay this debt. 

Despite this request, XXXX XXXX XXXX has continued collection efforts without properly validating the debt, and I am concerned that they may be reporting this disputed account to the credit bureaus, which would be a violation of my rights. 

I am requesting the CFPB investigate this matter and ensure that XXXX XXXX XXXX either validates the debt with proper documentation or ceases collection efforts and corrects any reporting made to credit agencies related to this account. 

Thank you for your attention to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
They've been holding a check that cleared in XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Five fraudulent accounts were opened through PayPal received 2 Mastercard debit cards on XX/XX/XXXX. I contacted my local police department and opened a police report on XX/XX/XXXX. I called several numbers at PayPal asking for the fraud department and was bounced around through many departments on XX/XX/XXXX. The fraud department number XXXX was not helpful and told me to call XXXX. I gave them the debit cards numbers and they confirmed that the accounts were opened using my name, ss #, DOB and home address the only discrepancies were phone number and email address. I asked them to close the accounts and to block my SS # from opening up any other accounts they told me they could close the accounts out but not stop any other accounts from being opened. On 2/4 received 3 more Mastercard debit cards that were not opened by me called that day and asked to close out those accounts. On 3/5 sent letter to PayPal on the advice of Identity Force who is helping me to resolve this situation for further action and have not heard anything back from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-12 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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