vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I contacted Barclay 's Priceline XXXX  Rewards Line In XX/XX/XXXX on a Friday to report a {$1000.00} Cash Advance with charges and a {$100.00} cash advance with charges that was put on my XXXX  card. I have never done a cash advance and was upset that they did not contact me. The card was cancelled and another card was issued. I did not receive the card and decided to go into my account to look at the statement. There were over 20 charges in small increments coming from stores in XXXX. I had not been out of the country since XXXX, and these charges were for little stores and a motel that had to be purchased in person. I called XXXX XXXX department and reported this immediately. They cancelled my card on a Saturday and issued another card. The next day on Sunday XXXX called me to ask me about suspicious charges on the card that they just issued on Saturday. I told them no, so they cancelled that card and issued another card. They called again on Sunday to report suspicious charges on the newest card and I told them to completely close my XXXX account. Since that time, I have received multiple letters telling me I am responsible for the charges in XXXX, and further stated they would report me to XXXX  if I did not pay them with my next credit card statement. They did state that I was not responsible for the cash advances. This has been going on for several months. I still have the ( 2 ) credit cards attached to the original mailing papers that arrived together that were never activated. XXXX XXXX unit stated that the individual charging was using the XXXXXXXX XXXX was able to change my passwords and access my account. These cards have never left my house. I feel XXXX has caused me undo stress and will not take responsibility for the lack of security on their accounts. I will never use XXXX XXXX XXXX again.

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 2025-05-13 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: IL

Complaint narrative:
My son is the secondary card holder of my credit card and is a victim of credit card scam happened in early XXXX in XXXX. As the primary card holder, I have been talking to Citibank since XXXX and unfortunately, the unauthorized fraudulent charge has not been removed even after XXXX  months, and the issue is not fully resolved until today. Hence, I am writing to get help. 

On XX/XX/, around XXXX XXXX, my son was approached by XXXX men on the sidewalk at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They told him a story about an XXXX  child that was shot dead in the city and asked if he could donate to help the family. They seemed genuine and hence my son agreed to pay {$5.00} asking if they took cash. They said they were trying to reach an online goal so they asked him if he could use XXXX XXXX. When he went to use XXXX XXXX, they said the card reader was not working, so the XXXX men asked if he would scan his credit card. While XXXX of them was apparently distracting my son, the other guy took out a card reader and tapped my sons card. They both thanked my son. In a few minutes, I received a fraudulent charge alert from Citibank for a purchase made for {$2400.00} at at XXXX XXXX XXXX  XXXX XXXX XXXX IL. When my son went back to the place, the XXXX men were gone. I, who is the primary card holder immediately contacted Citibank, reported the fraudulent charge and canceled the credit card. 

Citibank initially canceled the transaction and put the alert under fraud review, but about few months later determined that the transaction was not fraud because my son agreed to making the transaction and asked us to talk to Billing Dispute department. Because my son did not have a receipt to back up his claim, Billing Dispute is telling me that I have no recourse to obtain credit for the fraudulent charge. 

I am still figuring out how to get the money back. I have done everything right since the scam happened in XXXX. I called Citibank to report the unauthorized, fraudulent charge, filed a police report, filed a report with Federal Trade Commission, filed a report with XXXX Attorney General office. I have been a loyal Citibank customer yet feel like my bank is not protecting me. 

It appears that my son is not the only victim of such credit card scams. Recently in XXXX, reports were published in XXXX XXXX XXXX XXXX XXXX about similar scams in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help!!!

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 2025-05-13 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: National Consumer Telecom & Utilities Exchange, Inc.
State: FL

Complaint narrative:
SUBJECT : Urgent Dispute of Inaccurate XXXX Collection Reported to XXXX via NCTUE COMPLAINT : To Whom It May Concern, My name is XXXX XXXX, and I am filing a formal complaint against XXXX  and the National Consumer Telecom and Utilities Exchange ( NCTUE ) regarding a fraudulent XXXX XXXX collection account that is currently being reported on my XXXX credit report. 

Account Information : Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$760.00} Reporting Party : NCTUE ( as data furnisher to XXXX  ) NCTUE Confirmation Number : XXXX On XX/XX/XXXX, I spoke with XXXX XXXX XXXX and they confirmed the balance was reported in error. I returned the device associated with the account, and XXXX assured me the balance would be updated to {$0.00}. I have provided all relevant documentation, including : A copy of my valid government-issued ID Proof of return Payment confirmation Written confirmation from NCTUE referencing this dispute ( Confirmation # XXXX ) Despite these facts, XXXX  continues to report the account, which is : Inaccurate, in violation of the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) Non-compliant with Metro 2 guidelines, which prohibit the furnishing of unverifiable or obsolete data Materially harming my creditworthiness, especially as I seek critical business credit and financing I am urgently requesting : Immediate deletion of this XXXX XXXX account from my XXXX credit file A full CFPB investigation into the reporting practices of NCTUE and XXXX Written confirmation once the account has been removed This is a time-sensitive matter, and I am requesting your immediate assistance to ensure compliance with federal law and restoration of the accuracy of my credit profile.

Thank you for your time and prompt attention. 

Sincerely, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN Last XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: SC

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: WI

Complaint narrative:
see attachment ftc report describing the nature of a fraudulent account i have already tried disputing multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: OR

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear Experian Customer Service , I am writing to formally dispute certain inquiries listed on my credit report that I believe are unauthorized. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or incomplete.

Upon reviewing my credit report, I have identified the following inquiries that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. I have attached copies of my identification and any relevant documents to support my dispute. 

Please provide me with a written response regarding the results of your investigation, as well as a copy of my updated credit report once the dispute has been resolved. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: TX

Complaint narrative:
The bank keeps mailing your card to a diffrent residential address. I called the bank multiple times to resolve the issue. I advised the Bank that the address is wrong on file and I can not access my social security check. After trying to advise the bank of the wrong address on file, they refused to correct their error and still mailed the card to the wrong address. I emailed the bank my driver 's license and the code they asked to email to verify my identity, and to no avail they are refusing to correct the errors. My card is in possession of a unknown person to an address I don't live in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXXXXXX and noticed some things are incomplete and not accurate. 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 ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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.

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 2025-05-13 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXXXXXX and noticed some things are incomplete and not accurate. 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 ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: OH

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 List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX 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 non-monetary relief
Consumer complaint received 2025-05-13 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: MD

Complaint narrative:
This letter serves as my third formal follow-up regarding the fraudulent accounts being inaccurately reported on my credit fi le. Despite multiple dispute attempts, TransUnion continues to report unauthorized and invalid information, in direct violation of the Fair Credit Reporting Act ( FCRA ).

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMorgan Chase Bank , N.A . 
There are two old charged-off credit card accounts being reported by JPMorgan Chase Bank ( JPMCB ) on my credit report. Both accounts have been delinquent and inactive for more than 4 years. Despite this, they are still reporting balances of {$3600.00} and {$3600.00} respectively.

Under California law ( CCP 337 ) these accounts are time-barred from collection and should not be reporting active balances. I have disputed these accounts with the credit bureaus and received no proper validation of the amount or the legal right to continue to report them. This is a violation of FCRA Section 623, which requires accurate and complete reporting and consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AP

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal follow-up to my previous dispute regarding the continued reporting of inaccurate and unverified negative items on my credit report. I am requesting an immediate reinvestigation and deletion of the following accounts, as your failure to take action thus far constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite prior communication, the disputed negative accounts remain on my report without proper validation or verification.

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