vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I'm growing concerned on how Citibank protects my money. I rec 'd a Social Security check via direct deposit & I knew funds were there. I tried to pay a bill online & was declined 3 times. I called Citi & was advised that my account was flagged by the Fraud Dept. I was transferred to XXXX after a wait of approx 10 minutes ; she said only way to vet me was to text me. I advised it was a landline which does not accept text-she said it was the only way & I told no I had called before & questions were asked to ensure it was me. XXXX said that there was a charge made in XX/XX/XXXX for {$8.00}! NOTE this flag was made on XX/XX/XXXX more than 4 months ago. How is Citi keeping my hard earn funds/money safe if they do not keep an eye on my account til months later? She thought it was no big deal, but not to me. This call took over 1 hour to correct Citi a waste of my time plus an embarrassment since my card kept getting declined. An investigation is needed since Citi is too lazzed with Customers money. There was a prior incident when Citi paid the same check for my mortgage 3 times, overdrew my account big time & then sent me a letter that my account did not have any funds to pay other checks that came in, charged me INF fees in addition to me having to pay fees to the companies when my checks bounced. I still have that file. What a chaos Citi created for me.

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 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
There are late payments being reported on credit that are incorrect. From XXXX. I have contacted company on XX/XX/year> and XX/XX/year> to update the inaccuracy and company has never updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: OH

Complaint narrative:
My data has been breached and fraudulent charges have been made to my credit. I have been trying to fight it with no success.

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 2025-01-10 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: OH

Complaint narrative:
My data has been breached and fraudulent charges have been made to my credit. I have been trying to fight it with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
XXXX XXXX Date of Birth : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXXGM FINANCIAL XXXX XX/XX/year> under the account number : XXXX, an Auto Lease several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I lost my phone and someone has been using the phone I lost that has all of identification in it to change my account information and make false fraud claims on my account. I have called in several times to fix this issue and it keeps happening

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: OR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax and 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 at XXXXXXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. XXXXXXXX XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$12000.00}. XXXX XXXX - XXXX XXXX  XXXX  opened on XX/XX/XXXX and a balance of {$5000.00}. XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$670.00}. XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$23000.00}. I dispute the missed payments and late payments on this account. XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$6200.00}. XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXX with a balance of {$250.00}. XXXX XXXX XXXX  and a balance of {$2000.00}. XXXX XXXX XXXX with a balance of {$1000.00}. Inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. XXXX from XXXX on XX/XX/XXXX. Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: OR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. XXXXXXXX XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$12000.00}. XXXX XXXX - XXXX XXXX  XXXX  opened on XX/XX/XXXX and a balance of {$5000.00}. XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$670.00}. XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$23000.00}. I dispute the missed payments and late payments on this account. XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$6200.00}. XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXX with a balance of {$250.00}. XXXX XXXX XXXX  and a balance of {$2000.00}. XXXX XXXX XXXX with a balance of {$1000.00}. Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX from XXXX on XX/XX/XXXX. Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 2025-01-10 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: MA

Complaint narrative:
Recently, while reviewing my credit report, I discovered several fraudulent accounts that were opened and used without my consent. These accounts are severely damaging my credit history and negatively impacting my ability to obtain fair credit. Under consumer protection laws, I have the right to have this information corrected and ensure my rights are protected. The applicable laws include : 15 USC 1681i : This law grants me the right to dispute inaccurate or fraudulent information on my credit report and requires credit reporting agencies to conduct a reasonable investigation and correct errors promptly.

15 USC 1681s-2 : This law outlines the responsibilities of information providers to ensure the accuracy of the information they report to credit bureaus and prohibits reporting fraudulent or incorrect data.

15 USC 1666b : This law provides protections for consumers against unauthorized charges or billing errors, requiring prompt correction of such issues.

15 USC 1681c-2 : This law allows consumers to request a block on fraudulent information resulting from identity theft to ensure it is removed from their credit reports.

Identity Theft and Assumption Deterrence Act ( 18 USC 1028A ) : This law criminalizes the unauthorized use of personal information and provides penalties for identity theft, reinforcing the need to address fraud promptly.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I have Obtained a vehicle from XXXXXXXX XXXX XXXXs located in XXXX Texas. The company that, financed the vehicle was called credit acceptance. The vehicle was a XXXX XXXX XXXX with XXXX miles. Sometime later, I noticed that the contract was done in Fraud. I let XXXX out theres no this and theyve yet to give me a favorable response. And this still shows up on my credit report file after they have the vehicle. As of today they want {$18000.00} for the vehicle.

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I spoke to an HSBC person by phone, and I followed up with a chat on the HSBC web site. I provided the personal information they both asked for, but I did not get closure. They wanted all our personal information. The person on the phone did not close the account, although she left us with that impression. She just wanted convince us to open " rewards '' features on the account. I then opened a chat on the HSBC web page. After I gave the chat our personal information, the chat wanted my wife and I to each open a separate chat. We both have an HSBC credit card with the same number. My wife does not use a computer. Please help us close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was looking at my report and notice there were some things that was not correct. Account opened name : XXXX XXXX XXXX XXXXXXXX. I sent a letter to Experian on XX/XX/year>. But it has been more than 35 days since the credit bureaus haven't responded. That s a violation of 15 usc 1681i ( a ) ( 1 ) ( A ).

Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to Subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly though a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to delete whether the disputed information 's inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of 30-days period beginning on the date on which the agency receives the notice of the disputed from the consumer or reseller.

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 2025-01-10 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: IN

Complaint narrative:
As a victim of identity theft and fraud, I'm filing this complaint with the CFPB to request that you, XXXX credit reporting agency, promptly block the inaccurate and fraudulent information on my credit report within 4 business days, as per FCRA 605B ( 15 U.S.C. 1681c-2 ). 
The fraudulent information includes an account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an secured loan from XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, A credit card account from XXXX opened XXXX XX/XX/XXXX under account number XXXX, A installment from XXXX XXXX XXXX XXXX on XXXX under account number XXXX. 
These fraudulent accounts have resulted in several hard inquiries and collections appearing on my FICO credit report, severely damaging my creditworthiness. As the victim of this identity theft, I request that you take immediate action to remove this false information and protect my financial well-being. 
Your credit report maintained by you shows fraudulent items that I do not recognize. The accounts, collections, and hard inquiries listed on my credit report were not opened, made, or initiated by me. All of these are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX proof from the US Federal Trade Commission that these 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibilty to report Consumer information to the best of their ability with Maximum Accurancy. I have never been late on payments for the account : XXXX Bank of America ) : ( XXXX XXXX XXXX XXXX ) Please invsrigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have a checking account with PNC tied to a HELOC. I forgot my password for my online account. When I tried to reset the password online, the website would not allow me to do so, I had to call the PNC XXXX XXXX. I spent XXXX XXXX  on the phone with the PNC XXXX XXXX. Despite numerous attempts, they were unable to help me reset the password, the system would not unlock the account such that I could do so. They said the only way to reset the password was for them to mail me a new password, which I could use to access the account, and then set a new password. 

I waited XXXX weeks before finally receiving a letter with a temporary password. The online login is also rejecting that password. It's been weeks since I've been able to access my funds via online banking. The only way I can conduct transactions is via phone or walking into a branch, which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
As stated, TransUnion is given ample evidence to delete or block the XXXX fraudulent XXXX XXXX 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted the company the company no longer own the account they sold the information to another creditor without authorization from me. I have a contract with third parties I dont know of. The information incorrect Child support XXXX Child support XXXX the balance incorrect. I will provide documentation of new balance the information reporting on XXXX XXXX Website is the wrong information XXXX XXXX XXXX XXXX XXXX also incorrect item I have any knowledge of Ihave sent numerous of letters to TransUnion, XXXX, and XXXX to remove and delete this items

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