vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Dear XXXX, here is the story : I bought some clothing in XXXX  and the package was stolen ( I have a message proof to show that the delivery company accepted it was their fault ), then I go directly to dispute the money in Citi with the reason " Service/Good never received '', because I use my citi credit card to pay this bill. However, XXXX gave some evidence to Citi but with no evidence showing that the package was delivered in a secured place, and my dispute was terminated with a recharge to me. I then contacted XXXX online service for this charge and they refunded me the money ( with refund email and receipt ). However, I never got it in my Citi account. When I try to reach Citi dispute center with the refund invoice by email several times, they kept sending messages saying the case already closed and the company ( XXXX ) does not want to issue the credit.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
I am disputing an inaccurate derogatory remark reported by Kikoff Lending on my credit file. The account was officially closed on XX/XX/year>. My credit report shows XXXX XXXX of payments made on time and a XXXX record for XXXX day lates. 

Despite this, the worst payment status on the account is reported as XXXX  days late, which is inconsistent with all other reporting data. I have attached screenshots to show the discrepancy. 

In addition, I recently received an email from Kikoff attempting to charge me via autopay on XX/XX/year>, even though the account has been closed for over a month. This creates confusion, potential duplicate charges, and opens the door to further credit damage. 

I am requesting that this XXXX day late payment be fully investigated and removed from my credit report, and that all future activity related to this closed account be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year> I contacted chime to let them know that I had money missing out of my account and XXXX unauthorized transactions. I informed him I was in the hospital since XXXX and that I had proof when I got out. They informed me that they filed a dispute and that on XX/XX/year> I would receive a credit. XX/XX/year> I uploaded a police report, hospital paperwork from my doctor informing them I never left my room except for testing. On XX/XX/year> I logged in to find out they denied my dispute with a split decision and there was no information uploaded or attached to my dispute. It took me over XXXX calls to even get my dispute filed after being hung up on several times and being called a liar. I placed XXXX more calls to chime before reaching someone and appealed my denial. I was told on XX/XX/year> I would receive a credit to my account and before that date I was denied again. I asked for proof and didn't receive anything besides a transaction list. In my dispute it says split decision but the money that was refunded to my account the day of said unauthorized transaction was spent by the person that was in my account. I had several logins on devices that was not mine or even in locations I have ever been too. There is NO way they investigated XXXX transactions in a few days. ALSO THE LIVE BOT SAID I HAD NO DISPUTES FILED WHEN THERE WAS Supposed TO BE AN OPEN DISPUTE THATS HOW I KKOW THEY ARENT EVEN DOING IT. THEY ARE LYING TO CUSTOMERS. WHEN ASKED BY THE BOT FOR MY DISPUTE NUMBER IT SAID NO DISPUTE EXISTS. EVEN AFTER ASKING A LIVE REP WHY IT SAID THAT THEY CONTINUED TO CHANGE THE SUBJECT. STILL NOTHING UPLOADED TO MY DISPUTE AND THIS IS HAPPENING TO THOUSANDS OF PEOPLE ALL OVER THE WORLD. CHIME NEEDS TO HELD ACCOUNTABLE FOR LYING AND USING DECEPTIVE INFORMATION TO STEAL FROM CUSTOMERS WITH NO RECOURSE. THIS NEEDS TO BE A CLASS ACTION. BEING A VICTIM OF IDENTITY THEFT THIS HAS NOT LEFT ME MANY OPTIONS FOR A BANK. I DO NOT TRUST ANYTHING THAT HAS TO DO WITH THIS COMPANY. IF YOU ARE THINKING ABOUT USING THEM RUN AS FAST AS YOU CAN!!! YOU CAN'T EVEN GET A HOLD OF ANYBODY WITHOUT GETTING HUNG UP ON ESPECIALLY WHEN IT'S IMPORTANT YOU GOT TO KEEP CALLING BACK. IF I WAS YOU BOTH TIMES I CALLED XXXX TIMES BEFORE I EVEN REACHED ANYBODY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> my checking account showed two ( 2 ) withdrawals- one for {$200.00} and the other for {$300.00} through the app XXXX and my bank Citibank. I did not authorize or get a chance to accept/decline these withdrawals. I contacted the bank and originally my request to have the funds credited back to my account was denied. I had to pay to have my Laptop cleaned out, change to a new account, notify all my payees along with numerous trips to the bank for one problem or another caused by the above. I appealed Citibank 's decision and just a couple of days ago I received a letter letting me know they honored my request to reissue my funds. I would like to bring suit against the app XXXX and Citibank. They should have accurate " fire walls '' and protection for their clients against these scams, which no one is ever apprehended or caught. I'm still having to go to the bank because they deposited the returned funds to my closed account and my new account has its access blocked. I've tried calling the bank ( of course, they outsource their agents to a third world country ) several times for assistance in getting my account unblocked, but they will not help. I've had to do too much leg work and phone calls to even mention in this short amount of space. I am a XXXX XXXX and this is XXXX Abuse and had they not reversed their decision to refund it would have been slander, as I would look like the criminal. These businesses and " APPS '' need to change their way of doing business and step up their security.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
As I am working toward homeownership, I began reviewing my credit report on XX/XX/year>. I noticed a concerning Discover account and requested an investigation. Discover responded by claiming the account was verified, but despite numerous requests and submitting proof of my identity multiple times ( both online and by mail ). I have never received valid documentation proving the debt is mine or accurate. 

Additionally, I have observed that the credit bureaus are reporting this Discover account as open and charged off, while also showing it as XXXX days late, then XXXX days late, and so on, each month, as if it continues to accrue new delinquencies even after being charged off. This appears to be abusive and misleading financial reporting. If it's not illegal to continue to open and close accounts without consumer knowledge, it should be. 

This situation has had a devastating impact on my credit and is preventing me from moving forward with important life goals. Please investigate this matter thoroughly and assist in correcting or removing this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed severe inaccuracies and unauthorized accounts/information reporting to my credit. These remarks have been detrimental to my life and credit health.

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 2025-06-22 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed severe inaccuracies and unauthorized accounts/information reporting to my credit. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Im filing this complaint due to being misinformed and misled by a Barclays representative regarding the {$99.00} annual fee on my AAdvantage Aviator XXXX MasterCard. 

I had already requested to downgrade the card prior to my last phone call with Barclays, which took place several weeks ago ( possibly over a month ago ). During that follow-up call, I asked about the {$99.00} annual fee, and the agent told me not to worry that since I had downgraded, the fee would adjust itself and there was nothing I needed to do. At no point was I informed that the downgrade had not actually been processed, or that I needed to take further steps. 

I relied on that information and waited, trusting the representatives assurance. Today, when I called back after seeing that the charge still had not been reversed, I was told the downgrade never happened and the fee would not be removed. I was never notified that my downgrade request had failed, and I was misled into thinking the issue had been resolved. If I had known the truth, I would have acted immediately. 

I am requesting that the {$99.00} annual fee be waived due to the misinformation I was given and Barclays failure to follow through or inform me appropriately. If the fee can not be waived, I am requesting that the account be closed immediately and marked closed at consumers request. 

I am aware that under the Truth in Lending Act ( TILA ), card issuers are required to provide accurate, timely information about fees and account changes. I was misinformed by a Barclays agent and relied on that information to my detriment. I believe this qualifies as a violation of fair disclosure standards and may fall under unfair or deceptive acts or practices ( UDAP ) as recognized by the CFPB. I no longer wish to be a MasterCard customer based on how this was handled.

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 2025-06-22 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-22 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: FL

Complaint narrative:
The items on my credit report resulted from identity theft and unauthorized use of my Social Security number. I did not authorize these accounts or inquiries and am unaware of them. 

Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  ( violation of 15 U.S.C. 1681e ( b ) ) Unauthorized inquiries : XXXX XXXX  ( various dates ), XXXX XXXX  XXXX ( XX/XX/year> ) ( violation of 15 U.S.C. 1681b ) Unverified/unauthorized accounts : XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX ( violation of 15 U.S.C. 1681b, 1681c2 and 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 2025-06-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I am filing a formal complaint and dispute against Citibank for reporting an account under my name to XXXX  and XXXX  that is unverifiable and not linked to my Social Security number. 

I have contacted Citibank directly to investigate the origin and validity of this account. During multiple communications, Citibank has confirmed that they are unable to locate any account associated with my Social Security number or personal identifying information. They also stated they are unable to validate or verify any debt, as they have no records tied to me. 

To my knowledge, I was listed as an authorized user on this account not the primary account holder and have no legal responsibility for the debt. However, Citibank has been unable to locate the account or remove it due to the absence of any record linking it to my identity. 

Despite this, the account continues to appear on both my XXXX  and XXXX  credit reports, negatively impacting my credit profile and score. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires all information reported to consumer reporting agencies to be accurate, complete, and verifiable. An account that can not be validated by the creditor should not remain on my credit file. Furthermore, as an authorized user, I have the right to be removed upon request especially when the account can not be substantiated.

I respectfully request that the CFPB : 1. Investigate this matter with Citibank ; 2. Direct Citibank to remove this account from both my XXXX  and XXXX  credit reports unless it can be validated with documentation linking it to me ; 3. If the account is located, ensure that I am formally removed as an authorized user immediately, and that all reporting associated with my name and S
ocial Security number is deleted ; 4. Ensure Citibank ceases all reporting of unverifiable or unauthorized information in compliance with federal consumer protection laws. 

Thank you for your time and assistance in resolving this matter promptly.

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 2025-06-22 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
The Chex system and other agencies are selling my personal securities without my consent they are also using trickery to get merchants to act like I can qualify for loans and cars in my situation that work with my bad credit and the possibilities of getting these loans and cards are way in you favor that you can be approved needless to say I didnt get none of them and here the kicker I get denied and then the agencies drop my credit score even lower then what it was that sound like some bogus situation they lied maid me feel like I had a chance and the double whopped me with one shot dont they have a name for their actions then they put information on your repot with out asking can they do so .and the information isnt even confirmed some of the merchants I contacted and they said to me they dont have no log or nothing in there data with my name in it and others said they havent even updated my account cause it was over XXXX years old thats still being reported now I have my repot and its still on there but none of the merchants that so called reported about me said once we have come to the end of service we dont repot to the agencies it nothing to give. Them so my question then lead to if yall not doing it how is they dont know and wish they could help but they got a job to do so that was that would that be called XXXX .. EXtORTIOn FRAUD WITHOUT RECOURSE WITHOUT prejudice

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 2025-06-22 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: Sunbit, Inc.
State: TX

Complaint narrative:
In XXXX, I opened a credit account with Sunbit using my personal information and Social Security number. This account is currently reporting on my credit report under my name. However, Sunbit has incorrectly associated my partners name, Social Security number, and phone number with the account internally. 

When I contacted Sunbit to obtain information about the account and to correct these errors, they refused to provide me access unless they spoke with my partner. This is inaccurate because my partner never applied for or authorized this account. 

I have requested Sunbit to correct their records and remove my partners information from the account, but they have failed to do so. This situation is negatively affecting my credit and blocking me from properly managing and resolving my account. 

I am seeking assistance to ensure Sunbit corrects their records and grants me full access to my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
On XX/XX/year> I settled a debt with LVNV FUNDING llc. I paid the debt on XX/XX/year>. The creditor stated they would send a request to the credit bureaus to delete the collection from my credit report. I would like this debt removed immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I've noticed fraudulent activity on my credit several inquires and accounts

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 2025-06-22 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: FL

Complaint narrative:
The items on my credit report are due to the unauthorized use of my Social Security number. I did not open or authorize these accounts, and they are the result of identity theft. 

Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Must be removed under 15 U.S.C. 1681e ( b ) for inaccurate reporting. 

XXXX XXXX No proof of debt was provided ; under 15 U.S.C. 1681i ( a ) and the doctrine of estoppel by silence ( XXXX v. XXXX ), it must be deleted. 

XXXX XXXX XXXX Reported without my consent, violating 15 U.S.C. 1681b and must be removed under 1681c-2 for identity theft.

XXXX XXXX Also unauthorized and violates 1681b and 1681c-2.

Company response to consumer: Closed with non-monetary relief