vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: GA

Complaint narrative:
I am a full-time XXXX XXXX  who was defrauded through a XXXX transfer and believe Charles Schwab Bank mishandled my fraud claim in violation of Regulation E and the CFPBs XXXX XXXX guidance . 

On XX/XX/XXXX, I sent {$1000.00} via XXXX from my Charles Schwab Bank account to an individual who claimed to be a licensed medical doctor offering XXXXXXXX XXXX XXXX tutoring. She contacted me after I posted seeking a tutor, stated that none of her students ever fail, and convinced me to pay in advance. 

We completed about XXXX online sessions, but most started late and ended early. Her instruction consisted mainly of reading from a screen with simple facts and repeating the same questions from previous sessions. The study plan she provided was vague and not tailored to my needs, and she offered no personalized feedback or structured teaching. I tried to make the best of the sessions and relied on her reassurance that I could contact her with questions or concerns. 

After I failed my exam, my school required verification of her credentials to determine whether I could receive credit or exemption from purchasing another XXXX XXXX program. When I requested her credentials, she cut off all communication completely, refused to verify her identity, and never provided proof that she was a licensed professional. 

I reported this to Charles Schwabs fraud/dispute department , explained that I had been misled, and asked to submit documentation supporting the fraud claim. However, before I could provide any evidence, Schwab closed my case ( Case # XXXX ) on XX/XX/XXXX, stating only that all efforts have been exhausted. I was never contacted by an investigator, given the opportunity to submit documentation, or shown any record of an investigation.

This was a fraudulent-inducement scam, not a legitimate or authorized purchase. Under 12 CFR 1005.11 ( Regulation E ), such cases qualify as errors that require a reasonable, good-faith investigation. The CFPBs XXXX interpretive guidance further clarifies that when a consumer is tricked or misled into authorizing a transfer, the bank must treat it as an unauthorized transaction and reimburse the consumer.

By closing my case prematurely and refusing to allow me to provide documentation, Schwab failed to conduct a proper investigation and denied me the protections guaranteed under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to urgently request an explanation and immediate resolution regarding the closure or restriction of my bank account. My account has been inaccessible for approximately two weeks, and I did not receive any prior notice, explanation, or communication from the bank about this action. 

Because of this situation, I have been unable to access my own funds, which has caused serious financial stress and disruption to my daily responsibilities. Every day I call the bank for help, and I spend a long time on hold. My account gets reopened temporarily and then closed again without any clear reason or permanent solution. This has only increased my frustration and financial hardship.

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 2025-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Identity Theft XXXX XXXX XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. Identity Theft XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. Identity Theft XXXX XXXX XXXX XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

5. Identity Theft XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

6. Identity Theft XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

7. Identity Theft XXXX XXXX  XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

8. Identity Theft XXXX  XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

9. Identity Theft XXXX XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

10. Identity Theft XXXX  XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

11. Identity Theft XXXX  XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: YSA ARM LLC DBA Oxygen XL
State: NJ

Complaint narrative:
I reviewed my credit report and saw an account that I never had prior dealings with. When I reached out to company they couldnt provide me the validation of tax debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: PA

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed a Police Report ( Case XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within XXXX ( XXXX ) business days. 
This requirement is clearly established under FCRA Section XXXXB ( 15 U.S.C. XXXX ). 
Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file. 
Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section XXXX ( 15 U.S.C. XXXXb ). 
The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal and unequivocal demand for immediate investigation and removal of the following inaccurate and defamatory tradelines from my credit file. Under FCRA XXXX ( b ) and 15 U.S.C. XXXX, you are required to block and delete information that results from identity errors or is otherwise inaccurate within XXXX ( XXXX ) business days of receiving a bona fide dispute. Failure to comply will result in litigation for willful violation of the FCRA, statutory damages, and attorney fees. 
Disputed Accounts : XXXX. XXXX XXXX Account ending inXX/XX/XXXXXXXX Reported as Collection/Charge-off. XXXX. XX/XX/XXXX XXXX Account ending inXX/XX/XXXXXXXX Reported as Collection/Charge-off. XXXX. XXXX XXXX Account ending inXX/XX/XXXX Reported as Collection/Charge-off. 
These entries are incorrect, misleading, and injure my reputation and creditworthiness. 
You have previously been alerted that records under the names XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX may be affected by misidentification. Under 15 U.S.C. 
XXXX ( a ) and related provisions, you must block reporting of identity-error information within XXXX ( XXXX ) business days. Reporting obsolete, unverified, or inaccurate information violates XXXX ( b ) and subjects you to statutory and actual damages under 15 U.S.C. XXXX and XXXX. 
If these accounts are not permanently removed and I do not receive written confirmation of deletion within XXXX ( XXXX ) business days from the date above, I will commence legal action without further notice. This includes claims for willful and negligent violations of the FCRA, state-law claims, and requests for statutory damages and attorneys ' fees. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I've sent two requests to Resurgent Capital Services to verify a debt they claim I owe them. Both times, I was sent billing statements. They are stating that the billing statements are a verification of the debt. The collection agency provides me with what they call proof, the itemized printout of what they claim is my account or billing statement. The FTC has issued an opinion letter on this subject and concludes that an itemized printout does not represent verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
Dear SOURCE RECEIVABLES MNGMN I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on r credit report if you have already reported this debt.

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was charged {$10.00} continuously by the toll authority without my knowledge. I contacted them and was informed my card should have only been used for XXXX payment, but was mistakenly added as autopay. They were able to update the account accordingly ; however, this has negatively impacted my checking account by charging XXXX overdraft fees, totaling {$270.00}. I contacted Chase to advise of the situation and was informed she would only credit back {$100.00}, leaving a balance of {$170.00} in overdraft fees. I would like to pay my account to get caught up. I never call or ask for any assistance and my account is always in good standing. I have not been charged an overdraft fee in the past. I am requesting a one-time courtesy of waiving the overdraft fees, as Ive corrected the issue with the toll authority, preventing charges in the future. I appreciate any assistance in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: IN

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Subject : Urgent 24-Hour Dispute Fraudulent Account Reporting by XXXX XXXX on TransUnion To Whom It May Concern, I am submitting this formal dispute and fraud complaint regarding a fraudulent account being reported by XXXX XXXX XXXX my TransUnion credit report. This account is not mine, has been previously disputed, and continues to appear only on TransUnion, not on XXXX  or XXXX. This inconsistency strongly indicates erroneous or fraudulent reporting. 

Account in Dispute : Creditor Name : XXXX XXXX Reported Balance : {$82.00} Credit Limit : {$300.00} Date Opened : XX/XX/XXXX Status : Closed Reported : XX/XX/XXXX I have never opened or authorized any account with XXXX XXXX. The continued reporting of this account violates my rights under the Fair Credit Reporting Act ( FCRA ) and Regulation V ( 12 C.F.R. 1022 ), which require credit reporting agencies to ensure maximum possible accuracy.

I previously filed disputes with TransUnion, yet the item remains. This is a clear failure to investigate under FCRA 611 ( a ) ( 1 ) ( A ), which mandates that credit bureaus reinvestigate within 30 days and remove unverifiable or fraudulent information immediately.

Additionally, under FCRA 605B, I am asserting that this account is the result of identity theft/fraud, and I demand it be blocked from my file within 4 business days of this notice. 



Requested Resolution : 1. Immediately remove the fraudulent XXXX XXXX account from my TransUnion credit report. 
2. Cease all reinsertion or reporting of this account without proper verification.

3. Provide written confirmation of removal within 24 hours or submit acknowledgment of investigation per CFPB regulations. 
4. Forward confirmation of deletion to any party that received my inaccurate report within the last 6 months ( as required by FCRA 611 ( d ) ).

Screenshot of XXXX account from transunion Please treat this matter as a fraud case requiring urgent resolution. Failure to remove this item will result in formal escalation through CFPB enforcement channels for noncompliance with federal consumer protection laws.

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 2025-10-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681-c2 and I need these accounts blocked and deleted off my credit report as soon as possible. XXXX XXXX XXXX XXXX XXXX, Remove Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
I reported my card lost in XXXX or XXXX of XXXX. I was told that I would receive another card in the mail. I waited almost 3 weeks for a card. When I called to follow up on why I never received the card I was told that when they got ready to mail the card the account went into delinquent status. I told them that I need the card to make a payment. I have asked this company several times to send a card they refuse until a payment is made. I have asked for documentation if this in their policy and noone can provide the information that if the card is lost or stolen that a payment must be made before a card can be sent out.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They violated my under 15 USC 1681-C2 and I need these accounts blocked and deleted off my credit report as soon as possible. XXXX XXXX Date:XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX Account:XXXX Date:XXXX XXXX  XXXX XXXX XXXX Account:XXXX Date:XXXX XXXX XXXXXXXX, Remove inquires : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, REMOVE ADDRESSES:XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Loan HELOC XXXX XXXX I can't get Shellpoint Mortgage to send me the statements. I logingnto my my account on their website but the Mortgage is not there. Customer Service says they will send the statement but they dont send it. I have been trying for months! I need this for other loans Shellpointmtg.com is the website where I login.

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We noticed on our Experian credit report a negative result related to a collections company called FAIR COLLECTIONS & OUT for {$2300.00}. We are not related to this company at all, have never done credit or loan business with, and have never been contacted by this company. We were astonished that any company can attach a negative blemish to our credit report. We filed a dispute with Experian and XX/XX/XXXX days later we were notified that the dispute was closed and the negative record will remain on our credit report until XXXX. Experian did not provide us with any data verifying as to how and why this amount was entered. It is practically impossible to make a determination in XX/XX/XXXXdays and do not provide the consumer with the due diligence and documentation on this very serious matter. Our credit score was XXXX and now is 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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the accuracy of an account being reported by XXXX XXXX XXXX on my credit file. After a prior investigation, XXXX  has already deleted this account from my credit report, confirming that the information was either inaccurate or unverifiable. However, the same account is still being reported by TransUnion and Equifax, which is inconsistent and negatively affecting my credit standing. 

Account Information : Creditor/Collection Agency : XXXX & XXXX XXXX the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate, complete, and verifiable. Since XXXX  has deleted this account, it indicates that XXXX XXXX XXXX could not verify the validity of the information. Therefore, I am requesting an immediate reinvestigation and removal of this account from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief