vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XXXX fraudulent charges were made on my XXXX card at XXXX am XX/XX/year>. XXXX of the charges triggered CitiBank 's fraud algorithm. They texted me at XXXX am to ask me to approve ( " XXXX '' ) or deny ( " XXXX '' ) the charge attempt. Because I was asleep and did not see the text, Citibank chose to approve all three charges without my input. The charges were not for reasonable middle-of-the-night purchases such as payment for a XXXX vehicle to be towed or payment for an emergency room visit. The charges were for concert tickets at XXXX different venues in XXXX different cities across the XXXX. After CitiBank 's investigation, they found all three charges to be fraudulent. But now they have reversed their decision and believe XXXX of them was legitimate and are charging me for it. The information they used to make that decision comes from a chargeback appeal by XXXX XXXX in XXXX, VA. They provided computer screenshots of the ticket purchase from their software company XXXX. They claim the screenshots provide proof that I made the purchase. XXXX of the most important purchase order screenshots were substituted with " Sample Screenshots '' rather than actual screenshots. XXXX and XXXX also failed to provide the XXXX XXXX  used in the fraudulently online purchase. They also failed to disclose that within minutes of the purchase, with no evidence that I took possession of the tickets, the tickets were transferred from an unknown email address to yet another unknown email address. The same emails were used to transfer tickets purchased at another venue ( The XXXX XXXX, XXXX, CO ).

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 2025-05-19 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NJ

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. codes 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accurate of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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, as appropriate, based on the results of the investigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately. 

Experian XXXX XXXX XXXX XXXX XXXXXXXX CARD XXXX {$5200.00} open/closed XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$760.00} open/closed XX/XX/XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX {$5200.00} open/closed XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$760.00} open/closed XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX {$5200.00} open/closed XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$760.00} open/closed XX/XX/XXXX XX/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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. codes 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accurate of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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, as appropriate, based on the results of the investigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately. 

Experian XXXX XXXX XXXX XXXX XXXXXXXX CARD XXXX {$5200.00} open/closed XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$760.00} open/closed XX/XX/XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX {$5200.00} open/closed XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$760.00} open/closed XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX {$5200.00} open/closed XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$760.00} open/closed XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Dear I C SYSTEM INC, I received a copy of my credit report and am writing to dispute the following information that appears on my Experian report.

Please verify or remove immediately the following accounts : I C SYSTEM INC I never had a contract with this debt collector for any debt.

Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

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 2025-05-20 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: GA

Complaint narrative:
I am writing to inform you that my Social Security number was compromised as a result of a data breach. As a consequence, fraudulent accounts and inaccurate information have appeared on my credit report. I have submitted a formal complaint to the Federal Trade Commission, a copy of which is enclosed for your reference. 

It has come to my attention that some consumer reporting agencies may delay or disregard dispute requests based on the assumption that the communication was prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) clearly affirms a consumers right to obtain support in exercising their legal rights. The involvement of a third party does not constitute lawful grounds to delay or deny a valid dispute. 

Please be advised that all communications submitted under my name were prepared with my full knowledge and authorizationwhether created by me directly or with the help of authorized representatives. Any unjustified delay or failure to investigate and correct the disputed information in accordance with FCRA requirements will be considered a willful violation of my rights under federal law. 

I respectfully request that this matter be addressed without delay and in full compliance with the 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 2025-05-20 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-19 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 submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
Received court summons. No collection attempts made, no letters nothing. Did not know of bill until recently, again unfair collection and threat attempt made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Dear I C SYSTEM INC, I received a copy of my credit report and am writing to dispute the following information that appears on my Experian report.

Please verify or remove immediately the following accounts : Account Name I C SYSTEM INC I never had a contract with this debt collector for any debt.

Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

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 2025-05-19 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: GA

Complaint narrative:
Experian is reporting fraudulent and inaccurate data on my credit report that stems from identity theft. Despite submitting documentation, including a verified police report ( Case # XXXX ), Experian continues to report the following : A fraudulent XXXX  XXXX XXXX XXXX loan, reported at {$16000.00}. This account was opened without my knowledge and should not exist on my file. 
An unauthorized XXXX XXXX account. 
A false late payment that does not reflect my true payment history. 
My Experian report also includes other errors that have remained unresolved even after dispute submissions. 

Experians failure to act in accordance with the Fair Credit Reporting Act is harming my credit and failing to protect my consumer rights.

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 2025-05-20 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: TN

Complaint narrative:
Date opened - XX/XX/year> Original balance - {$750.00} Account info Account name - XXXX XXXX XXXX  Account number - XXXX In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, has violated my rights. Section 602 A, states I have the right to privacy!

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted Wells Fargo today, and I talked to a customer service representative, and then to a supervisor, because of the excessive, and abusive ludicrous Wells Fargo Bank Overdraft Fees.

I explained to them that I have been unemployed for the past three months, so I don't have any money, and I can not afford to pay Wells Fargo Overdraft Fees, but they simply told me that they couldn't reverse the Overdraft Fees.

Wells Fargo Bank arranged their Overdraft Bank Fees by manipulating the dates of the transactions, for example on XX/XX/2025 I had enough money on my account to cover the few groceries that I was buying at XXXX, but they didn't post the transaction until the following day XX/XX/2025 - so now I will have a second Overdraft Fee, on top of the Overdraft Fee they've already posted in my account on XX/XX/2025 for a monthly automatic payment that went through into my account the same day, causing another Overdraft Fee. 

I was charged the following Over Draft Fees : XX/XX/2025 {$35.00} XX/XX/2025 {$35.00} XX/XX/2025 {$35.00} XX/XX/2025 {$35.00} For a total of {$140.00} in Overdraft Bank Fees I want the amount of {$140.00} to be credited back to my account. 

Thank you Respectfully, XXXX XXXX XXXX XXXX Checking Account # 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 2025-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
First point collections A female called me from XXXX at XXXX XXXX  on Monday XXXX, demanding payment for debts with XXXX from XX/XX/XXXX? Claims she sent me detailed for bills in XX/XX/XXXX. I tried to explain to her I had made payments on my debt from a surgery that the physician ripped my inside in XXXX XXXX I paid to XXXX balance that showed online in XXXX. I remember calling them because I thought I had a small balance. When I called Was told I had XXXX balance. I had asked them to write part of this off because I was injured with an XXXX fissure from the procedure. She kept over talking me and talked to me like I was lying. And hung up on me when asked for something in writing by snail mail. I assumed I had a XXXX balance as confirmed to me by XXXX in XXXXIt caused me excruciating pain for 8 months and now at times still have to tolerate pain when it flairs up. Since then I am fighting XXXX XXXX since XXXX I have paid thousands to my XXXX and now out of work on leave annd minimum income and now you gon na call me and talk to me like dirt. I always open my mail ( and we have had mail issues with XXXX but Dont act like I a, lying ) and I try to take all phone calls. I have been to XXXX and back since XX/XX/XXXX. But I thought it was paid. This girl would not let me speak and demanded I had received a detailed bill I never received a detailed bill. Why would they wait until XX/XX/XXXX to call me and be rude and make me feel like a liar. I called back and spoke with. Very nice professional XXXX. He will be sending me a detailed bill, I still Dont think I owe this. Why didnt XXXX contact me and confirm account was XXXX in XXXX? I asked him to please have a supervisor pull that call and listen to it. I yelled to but she needs some training. How can they wait this long to reach out to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/, I noticed a charge from XXXX on my Wells Fargo account that I did not recognize or authorize. I disputed the charge with Wells Fargo, and a provisional credit was issued while the investigation began. 

I provided a rental agreement showing that I returned the vehicle and explained that the charge may be related to an accident involving the vehicle. However, I was never notified of any damages or sent a final bill confirming liability. 

I contacted XXXX requesting documentation showing I was responsible for any damages or charges. As of now, they have not provided any final invoice or proof that I am liable. Despite this, Wells Fargo reversed the provisional credit, leaving me responsible for a charge that has not been validated. 

I believe this is unfair, as no conclusive evidence has been provided to justify the charge, and liability is still undetermined. I am requesting that the charge be removed until proof of liability is issued.

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 2025-05-19 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: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX  for its willful and negligent violation of the Fair Credit Reporting Act ( FCRA ) in connection with an account being reported as a charge-off to Equifax only , while not appearing on XXXX  or Experian. 

This discrepancy raises serious concerns under : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing known inaccurate data FCRA 623 ( a ) ( 2 ) Obligation to update or correct misleading data FCRA 607 ( b ) Obligation of credit bureaus to report with maximum possible accuracy XXXX XXXX  's selective reporting of this account is misleading and materially impacts the integrity of my credit profile. Inconsistent furnishing of tradelines is considered deceptive and creates an incomplete and inaccurate consumer credit file. 

I sent a formal dispute and Method of Verification ( MOV ) letter demanding : A full explanation of the verification method used The names and systems consulted Copies of original documents : signed contract, billing history, and charge-off evidence I also cited the FTC Advisory XXXX XXXX XXXX. XXXX ( XXXX  ), which clarifies that even if the data was once accurate, it must be updated if it later becomes misleading. 

Under FCRA 623 ( b ), XXXX XXXX  was required to respond and correct or delete unverifiable data within 30 days. As of today, I have not received : Any documentation verifying the legitimacy of this tradeline Any response confirming whether the account was validated Any deletion of unverifiable or incomplete data This violates the CFPBs XXXX Bulletin, which mandates reasonable investigation and correction by furnishers.

Company response to consumer: Closed with non-monetary relief