vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: NJ

Complaint narrative:
I am writing to dispute fraud charges for my previous Citi Credit card ending in XXXX totaling {$3900.00}, these charges are as follows XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XX/XX/XXXX {$400.00} XXXX  XXXX XX/XX/XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX FL XX/XX/XXXX {$110.00} XXXX XXXX  XXXX XXXX XXXX FL XX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX FL XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  FL XX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX FL XX/XX/XXXX TST Tap XXXX {$110.00} XXXX XXXX XXXX FL I received correspondence dated XX/XX/year>, stating that the charges totaling {$3900.00} were classified as non-fraudulent. I communicated with XXXX, a supervisor in your security XXXX XXXX Department, on XX/XX/XXXX and again on XX/XX/XXXX. She informed me that I must provide evidence proving my absence from the state of Florida at the time these charges were incurred. As a long-standing customer of Citi Bank , I have not utilized my Citi Card for an extended period, and my last visit to Florida occurred approximately XXXX years ago. I have included documentation from my credit cards and bank statements that verify my presence in New Jersey with these charges that were made. My credit history clearly shows that I have never made purchases from any of the retailers mentioned. I have consistently paid my bills on time without any disputes, making it perplexing that I am required to demonstrate my absence from Florida. I do not comprehend why Citi Bank has not reached out to the retailers involved to obtain video evidence of the individual ( XXXX ) responsible for these charges. 

If this matter remains unresolved, I will contemplate seeking legal counsel. This situation has caused me considerable XXXX XXXX and loss of sleep, negatively impacting my credit score.

I kindly request that you review the attached documentation and respond to me promptly with a resolution.

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 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed inaccuracies unauthorized accounts/information according to my credit report. 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 2025-05-27 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MIB Group, Inc.
State: NY

Complaint narrative:
I am filing this complaint against MIB , Inc. for failing to process multiple legitimate requests to freeze my consumer report. 

I have submitted this request XXXX times, each time including all required documents : A copy of my valid state-issued ID A copy of my Social Security card A recent utility bill as proof of address Despite my repeated efforts, MIB has not responded, acknowledged, or processed my request to place a freeze on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a security freeze, and this failure to act is a violation of that right. 

I am now on my third attempt, and I have been completely ignored each time. I am asking the CFPB to investigate this matter and ensure MIB , Inc. complies with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
I am filing a complaint against SoFi Bank for their failure to comply with Regulation XXXX and the Electronic Fund Transfer Act ( XXXX ) regarding a dispute I submitted on XX/XX/year>. 

The dispute involved multiple unauthorized charges totaling {$1100.00}. XXXX denied the dispute within XXXX hours ( by XX/XX/year> ), without providing provisional credit, a written explanation, or any documentation supporting the decision. 

Their failure to provide provisional credit or perform a meaningful investigation directly violates : 12 CFR 1005.11 ( c ) ( error resolution procedures ) 15 U.S.C. 1693f ( investigation obligations ) As of XX/XX/year>, I have received no proper resolution, no access to investigative records, and no support from XXXX despite clear obligations under federal law. This mishandling has created financial hardship and emotional distress during a time when I rely on this account for essential expenses. 

This mishandling of my dispute added emotional distress and placed me at risk of cascading financial consequences, including overdraft and missed rent. XXXX refusal to follow mandated procedures not only harmed me, but creates exposure for other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: LA

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and these items were not authorized by me. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), please block and delete the enclosed disputed items. Ive included a list of the accounts and a copy of my Identity Theft Report filed with the FTC. 

Please investigate and confirm in writing once the corrections have been made. Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
I have disputed the account from XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX  ) ( Account # XXXX ) multiple times with Equifax. These disputes were personally prepared and submitted by me, clearly requesting a thorough reinvestigation based on my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. Despite this, Equifax continues to report numerous derogatory entries from XXXX to XXXX, including 30- and 60-day late payments. 

In my dispute letters, I specifically requested : A signed original agreement, A complete billing and payment history, A verifiable and properly reported Date of First Delinquency ( DOFD ), And confirmation of Metro 2 compliance. 

I requested validation including a signed agreement, billing history, XXXX, and Metro 2 compliance, but the account was marked verified without providing any supporting documents or evidence. 

Equifax failed to provide any of the requested documentation, yet marked the account as verified. The derogatory information remains on my Equifax report, despite it not appearing on any other bureaus file, which raises additional concerns regarding its accuracy and verification process. 

This continued reporting violates : FCRA 1681e ( b ) for failing to ensure maximum possible accuracy, FCRA 1681i ( a ) for failing to conduct a reasonable reinvestigation, FCRA 623 ( a ) ( 5 ) for failure to report or confirm an accurate DOFD, Metro 2 standards for improperly formatting and inconsistently reporting account status and delinquency data. 

Under XXXX XXXX Credit Bureau XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Equifax XXXX XXXX XXXX XXXX, credit bureaus can not rely solely on internal data or furnishers ' automated responses. A meaningful investigation and verifiable documentation are required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone fraudulently opened a checking account at BMO using my personal information without my knowledge or consent. I discovered this unauthorized account when I received 3 Notices of Deposit Hold and Availability letters. The last four digits of the account number are XXXX. 

I am a victim of identity theft and did not apply for or authorize this account. I am concerned that this fraudulent account may impact my credit and financial standing. 

I have also filed a police report ( XXXX case number XXXX ) and reported the identity theft to the FTC at identitytheft.gov ( report number 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 monetary relief
Consumer complaint received 2025-05-27 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: NC

Complaint narrative:
Please investigate. I would like these accounts and inquiries removed to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUNTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I got a letter from XXXX of Indiana tax about additional information from XXXX and XXXX taxes. I sent information requested and they kept saying was not sufficient. They then took funds via tax warrant from my childrens checking accounts to pay the debt because I opened the accounts when they were children and never took my name off when they became adults. I have bank statements showing it is not my paychecks or funds in those accounts. I called the collection agency and they said that nothing they can do until after XX/XX/XXXX or XX/XX/XXXX and Id taken from wrong person can refund. I asked for a supervisor and they refused. My sin called Chase bank and they told him there is nothing they can do. I called XX/XX/XXXX to the collection agency and was told that I was given incorrect information and the money is with the state and my kids can not get their money back. My children did not owe my tax debt. It is illegal to collect money from individuals who do not owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
I am a victim of identity theft. Accounts were fraudulently opened using my information without my consent. I did not open or authorize these accounts. Please remove and permanently delete these accounts from my credit report under FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: Self Financial Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. Accounts were fraudulently opened using my information without my consent. I did not open or authorize these accounts. Please remove and permanently delete these accounts from my credit report under FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
My credit report contains inaccurate information under the name XXXX XXXX XXXX. I am XXXX XXXX XXXX. This includes accounts, addresses, and inquiries that do not belong to me. Ive provided Experian with documentation, including my Social Security card and driver 's license, to verify my identity. I am requesting permanent deletion of this fraudulent information under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681n. The credit bureau has failed to correct or respond appropriately, and this is harming my credit standing and financial opportunities. '' XXXX XXXX XXXX : Identity Theft / Mis- merged File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX SSN : XXX-XX- [ XXXX XXXX : [ XX/XX/XXXX Phone : XXXX Email : XXXX XX/XX/XXXX To Whom It XXXX Concern, Subject : Urgent Dispute and Request for Investigation Due to Identity Mix-Up ( FCRA 1681i & 1681g ) I am writing to formally dispute the inaccurate and fraudulent information appearing on my Experian credit report. The report currently contains data associated with a person named XXXX XXXX XXXX. I am * * XXXX XXXX XXXX, and this erroneous information is causing severe damage to my credit profile. 

The name * * XXXX XXXX, date of birth XX/XX/XXXX, and XXXX ending in XXXX are not mine. My correct personal information is as follows : - Name : XXXX XXXX XXXX - XXXX : XXXX -DOB : XXXX It appears there has been a mis-merge or identity theft involving someone with a similar first and middle name. As per 15 U.S.C. 1681g, I have the right to accurate disclosure of my credit file, and under 1681i, I request that you immediately open an investigation and remove all fraudulent accounts, inquiries, and information not directly connected to me. 

I have enclosed copies of my : XXXX. Drivers License XXXX. Social Security XXXX XXXX Credit report ( highlighted to show errors ) These documents validate my identity and support my request. Please remove all accounts, personal information, and inquiries associated with * * XXXX XXXX XXXX * This includes addresses, employment records, and any credit accounts not legally opened by me. 

Note : Under 15 U.S.C. 1681n, any failure to correct inaccurate and damaging information after notice constitutes willful noncompliance, subject to actual and statutory damages, punitive damages, and attorney 's fees. 

Please confirm in writing that these fraudulent items have been deleted. You are legally required to complete your reinvestigation within 30 days * *, per the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of drivers license Copy of Social Security card Highlighted copy of 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 2025-05-27 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: TX

Complaint narrative:
I have recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 explanation
Consumer complaint received 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have been a victim of identity theft and found some fraudulent inquiries that I did not authorize on my credit report. Here are the fraudulent inquiries that I have found due to identity theft. I attached my identity theft report as well. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: MI

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. 
XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 response to consumer: Closed with explanation