vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Received a XXXX Citibank card in the mail within the past week. Did not sign up or request this card. Tried today XX/XX/year> to cancel the card by calling the phone number on the back of the card ( XXXX ). I called XXXX  times, all XXXX  times the answering service gave me info about a XXXX XXXX XXXX card, not a Citibank XXXX card... and all XXXX  times the service then hung up on me without giving me any options. Called Citibank directly from the Contact Us phone number on the Citibank website. Waited XXXX minutes to talk with someone. The representative I spoke with would not cancel the card for me. She gave me another phone number for the XXXX card ( XXXX ). I was not able to speak to a person on this phone number, it was useless. 

Why is it impossible to cancel a credit card I never requested? If your bank name is on the back of a credit card, the phone number should work and you should be responsible for handling any issues.

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 2024-08-17 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: AZ

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 2024-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was notified by XXXX by XXXX at XXXX XXXX on XX/XX/year> that a credit card was opened in my name from Capital One. I reported this fraud to Capital One on XX/XX/year> at XXXX XXXX. They have opened case number XXXX for this fraud complaint. I would like this credit account closed and removed from my credit history. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.
State: NY

Complaint narrative:
I was defrauded by someone who convinced me to invest money in the crypto exchange Trust Wallet to trade XXXX. He had me opened an account with a company called XXXX in order to transfer money into Trust Wallet. After opening the account in my name and without adding anyone else, I followed the fraudster 's instructions. I lost {$3500.00}. My complaint is that Trust Wallet allowed this person to access my account by linking it to his portfolio without informing me. Consequently, when I tried to withdraw my funds, they were locked with his, preventing me from retrieving my money. Their excuse is that they operate on a self-custodial basis and do not hold user funds. If they don't hold user funds, where does the money invested in this exchange go? This opaque system needs transparency in its operations. They facilitate fraudsters and thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: LEXISNEXIS
State: TN

Complaint narrative:
XXXX XXXX is saying they verified a XXXX XXXX case being reported on my XXXX and XXXX credit reports. The courts do not share any information so this company should not be reporting or sharing any of my information. The fair credit reporting act says any inaccurate information should be deleted. Lexis nexis telling me they verified the information from the court is not accurate. I want the bankruptcy deleted from my credit reports at XXXX and XXXX. XXXX will not allow me to dispute inaccurate information on my credit file. This is unfair and needs to be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: CA

Complaint narrative:
I recently reviewed my consumer report and notice an account is not reporting accurately. i have made payments on time. my XXXX is showing paid on time but my XXXX and TransUnion is showing late payments. please update all late payments to " paid on time '' or " Ok ''. with my XXXX XXXX bank credit accounts

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 2024-08-17 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: TN

Complaint narrative:
XXXX XXXX is saying they verified a XXXX XXXXXXXX case being reported on my Equifax and XXXX credit reports. The courts do not share any information so this company should not be reporting or sharing any of my information. The fair credit reporting act says any inaccurate information should be deleted. XXXXXXXX XXXX telling me they verified the information from the court is not accurate. I want the bankruptcy deleted from my credit reports at Equifax and XXXX. XXXX will not allow me to dispute inaccurate information on my credit file. This is unfair and needs to be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: TN

Complaint narrative:
XXXX XXXX is saying they verified a XXXX  XXXX case being reported on my XXXX and Experian credit reports. The courts do not share any information so this company should not be reporting or sharing any of my information. The fair credit reporting act says any inaccurate information should be deleted. XXXX nexis telling me they verified the information from the court is not accurate. I want the bankruptcy deleted from my credit reports at XXXX and Experian. Experian will not allow me to dispute inaccurate information on my credit file. This is unfair and needs to be changed.

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 2024-08-17 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting the immediate removal of several fraudulent accounts from my credit report under Section 605B of the FCRA, due to identity theft. These accounts are severely impacting my ability to access essential credit. I have provided the necessary documentation to support this claim and urge you to correct my credit file as quickly as possible. Your swift attention to this matter is greatly appreciated.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my consumer report and notice an account is not reporting accurately. i have made payments on time. my XXXX is showing paid on time but my Experian and XXXX is showing late payments. please update all late payments to " paid on time '' or " Ok ''. with my XXXX XXXX bank credit accounts

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 2024-08-17 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my credit report. Please remove theses accounts from my credit report, they ar hurting my ability to obtain credit.

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 2024-08-17 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: CA

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX, XXXX 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 a personal credit card account opened. They are 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX  Now owned by XXXX XXXX XXXX  on XX/XX/XXXX, XXXX and reference ID XXXX the account number XXXX ). an auto loan account opened at XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX XXXX XXXX XXXX ) and ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX account opened at XXXX XXXX XXXX Now owned by XXXX XXXX XXXX Under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have disputed with all three major credit bureaus those accounts and they continue coming back verifiable the consumer has Provided with certified receipt and notices to each company including all three major Credit bureaus That dose accounts are Fraudulent accounts. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I the consumer has the right to privacy Pursuant to the California Privacy Act of 1974. ( a ) The Congress finds that ( 1 ) the privacy of an individual is directly affected by the collection, maintenance, use, and dissemination of personal information by Federal agencies ; SECTION 2 ( a ) Through ( 5 ). I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: CA

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX, Experian credit reporting agency XXXX 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 a personal credit card account opened. They are 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXXXXXX XXXX Now owned by XXXX XXXX XXXX  on XX/XX/XXXX, XXXX and reference ID XXXX the account number XXXX ). an auto loan account opened at XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX XXXX XXXX XXXX ) and ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX account opened at XXXX XXXX XXXXXXXX XXXX owned by XXXX XXXX XXXX Under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have disputed with all three major credit bureaus those accounts and they continue coming back verifiable the consumer has Provided with certified receipt and notices to each company including all three major Credit bureaus That dose accounts are Fraudulent accounts. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I the consumer has the right to privacy Pursuant to the California Privacy Act of XXXX. ( a ) The Congress finds that ( 1 ) the privacy of an individual is directly affected by the collection, maintenance, use, and dissemination of personal information by Federal agencies ; SECTION 2 ( a ) Through ( 5 ). I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US 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 explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> I received a debit card in the mail from BMO bank. I called the number to inquire, but the person who answered sounded like an XXXX XXXX, so I did not provide any information and hung up. On XX/XX/year>, I received another piece of mail from BMO. I googled their number and called on XX/XX/year> and spoke to someone to ask if there was any account with my name and address on it at the bank. The person I spoke to did not find any accounts with my information on it. On XX/XX/year>, I received a check book with the BMO account on it. I called BMO an hour later after I initially called them and gave them the account info and asked what accounts were opened in my name and why they couldn't find any accounts when I called them an hour earlier. They said that they could not provide me with any account information, but that they would close the account with the number I provided with them. I do not bank with BMO and have never opened an account there. They did not provide me with any confirmation number or any other confirmation or case number, other than telling me that yes they did close this fraudulent 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 non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
The bank repossesses my car. After which I paid the entire amount of the debt and I received a report from the bank that I should make my regular payment on XX/XX/XXXX, and at the moment I do not owe anything to the bank, since all overdue payments as well as late payment fees and a repossession fee. First {$1200.00} was paid, then {$2000.00}, then {$840.00} and about {$460.00}. Bank employees said that I paid all the payments and do not owe anything. I had to make an apointment to pick up my car. My car was damaged, it was scratched and its value dropped significantly after that. I received a statement that the bank expects my payment in XXXX in the amount of XXXX. But at the end of XXXX, the bank calls me and says that I am again 20 days late with a payment of {$760.00}, but not a single employee of this bank can tell me what this amount is, they can't even tell me what payments I made in XXXX, each employee names different amounts. They are extorting money from this bank, although on paper I don't owe anything. By the way, in XXXX I made a payment without delay, and I want to understand why they are extorting this amount from me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: GA

Complaint narrative:
My name is XXXX XXXX and I am XXXX  upset at how the credit bureaus have allowed fraudulent accounts report on my consumer reports. This is not fair to me and my family as I am trying buy a house for my family and I can not do so because the negligence of the credit agencies allowing such accounts to be reported. I have wasted alot of my time with house shopping just to find out I have accounts thats not mines on my report. I take my credit very serious. So this is a defamation of my character and negatively impacting my livelihood. Please help me resolve these issues. I pay my bills on time. According to 15usc 1681 I, the credit bureaus should be in compliance and not neglecting my consumer report. As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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:
My name is XXXX XXXX and I am XXXX  upset at how the credit bureaus have allowed fraudulent accounts report on my consumer reports. This is not fair to me and my family as I am trying buy a house for my family and I can not do so because the negligence of the credit agencies allowing such accounts to be reported. I have wasted alot of my time with house shopping just to find out I have accounts thats not mines on my report. I take my credit very serious. So this is a defamation of my character and negatively impacting my livelihood. Please help me resolve these issues. I pay my bills on time. According to 15usc 1681 I, the credit bureaus should be in compliance and not neglecting my consumer report. As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and XXXX  stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.

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