vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: Total Card, Inc.
State: GA

Complaint narrative:
On XXXX I called into total XXXX  card, spoke with female she said I verified my information through the automatic system. however to move forward they needed additional information, she then started asking when last time I used the card. I told her didnt remember the exact date, ask speak manager XXXX comes to phone, said this is there standard procedure to ask this questions. he then asked me same questions she asked i informed him i don't know the exact date or amount. he then told me he was Placing a hold on the account, I then asked him why? said because I couldnt remember my payment date, I told him he never asked me this question, maybe its a language barrier said it didnt matter I needed to send him my Driver license to remove the hold. I asked to speak with his manager, told me one wasn't available he would have someone call me in 24 hours. THIS IS CRAZY, AND THEY ARE RUDE, AND WHY WOULD I NEED TO DO ALL THIS TO VERIFY MY ACCOUNT, I NEVER STATED MY CREDIT CARD WAS STOLEN, Why would this be a way to verify me asking me when last time used the card and amount? I dont recall this being in my terms and condition agreement.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NJ

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Account online information services # XXXX PIN number : XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If you can not please delete account # XXXX PIN number : XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
* This is a new complaint not a duplicate issue, I have a complaint open as of today with Robinhood and they claim that theyre working on my case but instead of fixing my issue theyre making it worse. As of XXXXXXXX Robinhood closed my account and wont return my funds to the linked bank account on my account .. At first they were willing to do a bank transfer and I even had a support agent tell me that he would give me an update on when I should see the funds in my bank account * ( I attached an image of the support agent saying this ) * after they initiate the transfer but then they stopped responding and now I got an automated message saying they want to send me a check and then they stopped communicating and I have bills and cant wait weeks/months for a check to be sent in the mail, I have close to {$18000.00} just sitting on their exchange and they wont initiate a bank transfer for my funds with the linked and verified bank account on file. A bank transfer is a much faster method and it will allow me to pay my bills because it takes 3-5 days opposed to weeks/months. Im asking the cfpb to help me with this matter because Robinhood has seized communication with me as a consumer and wont do the right thing which is imitate a bank transfer for the funds sitting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
Due to an Imposter Fraud Scam on XX/XX/year>, my checking account with USAA is overdrawn {$990.00}. The scam happened XX/XX/year> from about XXXX XXXXXXXX XXXX XXXX XXXX. I called USAA  and my local bank at XXXX for resolution. I have since called USAA 4 times to request review of fraud decision. I have also requested no contact from USAA due to the harassing nature to recoop {$990.00} that is not my obligation, and I am not liable. I have talked with the USAA customer resolution team, the fraud team, customer service, and advanced resolution team, however I can not speak with anyone who can help or a supervisor. I do not think I should be liable for the {$990.00} that I did not use.

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 2025-05-15 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: UT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-05-15 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: UT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: Chime Financial Inc
State: NC

Complaint narrative:
I have a replacement of a XXXXXXXX exhaust nut gasket from the XXXX replacement damaged parts not operating the mantel and screwed in the intakes and damaged the frames. I returned the USPS for a refund and the account was in the collection on XXXX after I returned the merchandise. I asked to refund the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2025-05-15 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: GA

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 non-monetary relief
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-15 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: NJ

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 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Creditor is reporting charge off that was sold the Resurgent Capital. Resurgent does not have any information on this account for me to dispute or pay. Original creditor refers back to Resurgent and will not escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MI

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

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 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Dear To Whom this may concern, I recently pulled up XXXX, XXXX  and XXXX credit report and your company is attempting to collect a debt. 

I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : 1. Validation of the debt that is the actual accounting. 2. Verification of their claim against I : that is, a signed Invoice. 3. A copy of the contract binding between me and you in a letter by certified mail. 4. Full disclosure because I was not told I was creating the credit with my wet ink signature. 5. Equal consideration because you as the creditor brought nothing of value to the table. 6. Lawful Terms and Conditions. 7. Wet ink signatures between you the creditor and I the consumer. Under 15 USC 1681q states the following : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. You MUST DELETE this collection : Account Number : XXXX Account Balance : {$77.00} Please start an investigation and prove that this actually belongs to me. - You are bound by the FCRA laws to respond to my requests in a 30 day time period - I would recommend a response with written method of verification and documentation. 
Account Name : LVNV FUNDING LLC Delete this collection from my consumer reporting profile in the next 10 days. Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. You need to positively verify these accounts to ensure my ability to obtain credit. Under the Fair Credit Report Act, unverifiable accounts must be DELETED in 30 days. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
I am highly concerned about this late payment record, as it does not align with my reliable payment history. This situation is distressing, and I respectfully ask for its prompt removal to ensure my account is updated correctly.

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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANCFIRST CORPORATION
State: OK

Complaint narrative:
Regarding Improper Removal from Bank Account To Whom It May Concern, I am submitting this formal rebuttal in response to BancFirsts statements and denials concerning my improper removal as an authorized signer from the corporate bank account belonging to XXXX XXXX XXXX XXXX XXXX ( XXXX ). This rebuttal is based strictly on documented facts, communications, and sworn transcript testimony by XXXX XXXX, the President of XXXX. All exhibits referenced are attached to support this factual summary without speculation or false allegations. 

I. Overview of Complaint On XX/XX/XXXX, BancFirst acted on a fraudulent and procedurally deficient letter to remove me, XXXX XXXX, as an authorized signer on the XXXX corporate account. This was done without my consent, knowledge, or any shareholder vote, and violated basic banking procedures that require validation of such action through proper documentation and authority. 

XXXX. Transcript Evidence from XXXX XXXX In a sworn recorded conversation dated XX/XX/XXXX, XXXX XXXX confirmed multiple facts that contradict BancFirsts position. Specifically : Page XXXX : XXXX states, 'The votes removed Me from the account were XXXX to XXXX. ' Page XXXX : XXXX responds, 'But my name is not on there and listed as a treasurer... you did not give them supporting documents to say that, so they were wrong by accepting this letter. ' XXXX confirms, 'Theyre the ones who told me to do. 
Page XXXX : XXXX acknowledges, 'Thats who Im gon na go see today, ' referring to the XXXX BancFirst XXXX. 
Page XXXX : XXXX says, 'Im going to the bank today and take care of that. ' These statements confirm that the bank acted on internal instruction without validating my removal through lawful and complete shareholder process. 

XXXX. Additional Supporting Evidence A copy of the letter used to remove me does not include my title as XXXX nor any shareholder resolution vote as required. 
Text messages from XXXX XXXX ( XXXX XXXX ) show he was aware of and benefited from a {$75000.00} stockholder distribution just days before my removal, contradicting the claim that my withdrawal was unauthorized. 
I was never removed as an XXXX, as confirmed by XXXX XXXX via text dated XX/XX/XXXX. 
Email from BancFirst employee XXXX XXXX confirms they received documents to re-add me as a signer and were working with other officers to complete the reinstatement, proving I was being added back legally. 


This rebuttal contains no speculation and is grounded entirely in documented facts. I respectfully request this matter be escalated for review. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CO

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

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 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I requested for ALLY financial to provide me with form 1099c -They told me that I did not qualify to receive that document, however its not a qualification that we as consumers should meet- it is a written off debt that this company was paid for and is still trying to collect from me, while reporting an amount due only in interest value that could have been removed. I was in a car accident, Insurance paid a little more than {$16000.00} for the fair market value of the car and this company refuse to send to me form 1099c so that I can write this debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have stuff on my credit report that don't belong to me and then they have stuff that was in my mother 's name who passed and it didn't belong to me and it was so much stuff that didn't belong to me and it was so confusing cuz it was so many things and I am so tired of going through this and I have to report it and do this and do that and nothing is done and now all my stuff is messed up because of it thank you for your time for listening

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 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
My original morgage company sold my morgage to another company. I was un aware that this took place. I have been trying to pay them but with no luck as I did not know what company haf my morgage now. Come to find out the new company has been mailing me info about the change but they had the complete wrong mailing address on file for me so I received none of the info about the company change or how to make payments to them. So now I am showing behind on my payments on my credit reporting due to them sending all the info to the wrong address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation