vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
b'In what appears to be a pretty elaborate and convincing situation, I was notified in my XXXX XXXX that my Citibank card (which I have never had) was used to attempt the purchase of XXXX XXXX XXXX XXXX XXXX XXXX todayXXXXThey had my name and telephone number and said that a card had been issued in my name on XXXX XXXX XXXX.  It had been applied for on line from computer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe caller identified herself as XXXX XXXX  SHe was calling from a New York number XXXX    Upon calling that number from another phone I was greeted by a XXXX  speaking person.  XXXX went on to tell me that because of the purchase of XXXX, I was going to be investigated.  Several times I was read  "I nust read this" kinda stuff and, several times I was required to verify that I had not applied for the card, nor had I made these authorized transactions.   XXXXThey gave me an incident report of XXXX XXXXThey gave me the bank branch address\XXXXCitibank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXThey told me it was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI was told I would need to submit an Incident Support Certificate to the fraud dept at XXXXThen, since I am out of state and cant travel to XXXX  to file my report, I\'d have to do that through XXXX XXXX XXXX XXXX XXXXThey asked me to call XXXX XXXX XXXX XXXX XXXX (register that in my phone) to complete the FBI reporting to avoid a freeze on my accounts.XXXXI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis scam is, again, very elaborate.  I don\'t know how much they could access from XXXX XXXX  I am not sure how much they can access from the call I received.XXXXhats all I could take before I contacted my local FBI office.  XXXXthank you\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 2025-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was charged and not allowed to cancel a XXXX that I never went to. Capital One would not refund the XXXX charge to my card and i provided proof of my attempts to cancel XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am extremely frustrated to see that an unauthorized inquiry is showing on my credit report this morning. I checked as I normally do, and out of nowhere, this error appeared. I even refreshed my browser to make sure it wasnt a glitch, but it is still there. I need the documents I provided to be reviewed carefully right away so this can finally be fixed, because I can not keep dealing with this stress.

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 2025-09-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am being contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who works with National Credit System Inc regarding an alleged debt. 

XXXX XXXX XXXX XXXX XXXX XXXX offered me a settlement over the phone but refuse to send me a written settlement agreement before paying. I have repeatedly requested that the collector provide a written settlement agreement before I make any payment. The collector has refused to provide anything in writing and insists that I pay without documentation. 

This conduct raises serious concerns because : The Fair Debt Collection Practices Act ( FDCPA ) requires written notice of a debt. 
Without a written settlement, I have no protection if the collector later denies the agreement, sells the debt, or continues collection efforts. 
The refusal appears to be an unfair or deceptive practice. 

I am requesting the CFPBs assistance in : Ensuring the collector provides proper written documentation. 
Investigating this firms collection practices. 

Collector Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : XXXX ) XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am filing a complaint against Bank of America for furnishing materially inaccurate information to the credit reporting agencies and failing to conduct a proper investigation in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 

On XX/XX/year>, Bank of America issued me a letter stating that the account details they reported were accurate and that my dispute was resolved. However, my XX/XX/year> XXXX report clearly shows conflicting balances being reported across the credit bureaus for the same account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This proves that Bank of America is reporting inconsistent and inaccurate information. Their written claim that the account is accurate is demonstrably false. 

Bank of Americas failure to properly investigate has resulted in inaccurate reporting, lowered my credit score, and caused damages. 

I am requesting that this tradeline not be deleted, but that Bank of America immediately update and correct the balances and account details so that all three bureaus reflect the accurate information consistently within 48 hrs.

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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX has sent me an email trying to force me to sign a stipulation for them to accept payment. I called to try to pay the alleged debt to stave a fight off. I called in XXXX spoke with a rude woman. She took my debit card information and said she would run it for payment. She didn't. They sent court documents from no judge that they demand i sign. They have refused payment at this point. I then requested they prove the debt to be mine. This was ignored. The paperwork sent shows a case number ( XXXX XXXX XXXX XXXX, XXXX ) this case was arbitrated and thrown out last year on XXXX. XXXX is inconsistent with the case number, the alleged debt, the amounts and have also refused payment, they will not communicate. I rescinded their permission to run my card. Why are they trying to force me to sign a judgement for a case that was settled for XXXX money damages? Possibly because I beat them in court for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed through applications made in my name. These companies pulled my credit file without my knowledge, consent, or authorization. I do not recognize these inquiries, nor did I apply for credit with these entities. These fraudulent inquiries are a direct violation of my rights as a consumer and an unacceptable misuse of my personal information.

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 2025-09-09 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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 filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Transunion and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

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 2025-09-09 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: NV

Complaint narrative:
I am writing to dispute the following account ( s ) appearing on my credit report as they are the result of fraud and were not authorized by me. I did not apply for, open, or consent to these accounts, and I am not responsible for any activity, charges, or balances associated with them.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. Since these accounts were opened without my authorization, they must be deleted from my credit report. Please provide documentation that verifies I applied for or authorized these accounts. If such proof can not be provided, the account ( s ) must be removed promptly in compliance with federal law.

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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Account was hacked with Square. Im missing a {$5600.00} transfer into my bank account. It happened on XX/XX/2025. Ive called dozens of times to Square getting nowhere with anyone there I was hacked and they email cyber threat hacking Cell or whatever got into my Square account canceled mine out by using a fake review email looking to be exactly like Square now Im missing a {$5600.00} transfer minus Squares fees of course still no answers. No transaction numbers no transfer number is nothing no answers at all no emails back except for a password reset to get back into my Square account after I was hacked and thrown out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
its been 60 days since i applied for this card and still have yet to get my cards in the mail they want me to make a payment to account that i can not use and will not use i want this account closed and taken off my credit now this is a scam company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I attempted to transfer money from CashApp ( {$200.00} before fees, {$200.00} after fees. On XX/XX/scrub>XXXX XXXX to my bank account ( XXXX ) and it forced me to use the third party service XXXX to verify/log in to my bank account to transfer funds. I proceeded to log in to my XXXX  account using my username and password as well as secondary authentication by sending a text to my phone number with a code and it said it was successfully linked however when the transfer was completed it was sent to a different account and XXXX  has no record of receiving funds and cashapp is refusing to recall the money or investigate further on where it was sent even though I logged directly into my account and there was no other account numbers entered on my part. I reached out to XXXX  first and they have no record of a transfer being received and then I reached out to cashapp who then refused to investigate or intervene in any way even though it was all done through their app and the third party they us to verify accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Law Office of Brett M. Borland, P.C.
State: FL

Complaint narrative:
I am being contacted by Law Office of Brett M. Borland , P.C . who works with XXXX XXXX XXXX XXXX regarding an alleged debt. 

Law Office of Brett M. Borland offered me a settlement over the phone but refuse to send me a written settlement agreement before paying. I have repeatedly requested that the collector provide a written settlement agreement before I make any payment. The collector has refused to provide anything in writing and insists that I pay without documentation. 

This conduct raises serious concerns because : The Fair Debt Collection Practices Act ( FDCPA ) requires written notice of a debt. 
Without a written settlement, I have no protection if the collector later denies the agreement, sells the debt, or continues collection efforts. 
The refusal appears to be an unfair or deceptive practice. 

I am requesting the CFPBs assistance in : Ensuring the collector provides proper written documentation. 
Investigating this firms collection practices. 

Collector Information : Name : Law Office of Brett M. Borland Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : XXXX ) XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
case # XXXX new case XXXX XXXXXXXX I contacted XXXX XXXX  to dispute a transaction on my XXXX card by email to their dispute center and followed up with phone calls. 
Date of charge was XXXX XXXX/ the merchant " XXXX '' canceled services promised on XX/XX/year> for trip that was to begin on XX/XX/XXXX XXXX. 
The amount of {$1000.00} was deposit for a planned XXXX  day trip to XXXX. We made other payments through a different bank. 
On XX/XX/year> XXXX XXXX  denied my dispute and closed the case citing the XXXX day window to file dispute had passed. On XX/XX/XXXX XXXX I emailed an appeal to the dispute citing XXXX XXXX XXXX section XXXX for future-dated Services. 
I received no response and on a follow up phone call XXXX I was told that the XXXX  day response time was the reason it was denied .And I would need to file new dispute. The bank response has been slow and inefficient giving me the runaround. 
I did not cancel the trip and I did ask the merchant for a refund. I sent emails showing this.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I made payments of {$200.00} to my personal American Express card and {$340.00} to my business American Express card. That same day, I received an email from Amex confirming both accounts were current. 

On XX/XX/year>, I received an email from Amex stating that my personal account was at risk of cancellation. I immediately called customer service, and the representative told me, Dont worry, your account is nowhere at risk of cancellation. Despite this reassurance, my personal account was cancelled shortly after. 

On XX/XX/year>, I received another email stating my business account was also at risk of cancellation, even though payments were made and Amex confirmed the account was current less than 10 days earlier. Later that day, a supervisor told me, The department that reviews cancellations must have reviewed your account after the rep spoke with you. This explanation is inconsistent because I had already received a risk-of-cancellation email before being told by the rep that my account was safe. 

On XX/XX/year>, my business account was also closed, despite being paid and current. 

Amex gave me contradictory and misleading information, cancelled both my personal and business accounts despite being current, and this has created financial harm, uncertainty, and potential negative credit reporting.

Company response to consumer: Closed with explanation