vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My wife and I have had a joint checking account at Citibank along with other financial products such as savings, a mortgage and a XXXX. My wife opened the XXXX about 10 years ago and she let Citibank manage the account. 

My wife started receiving calls sometime in summer XXXX from somebody who said the bank needs to see her passport copy. As she believed it was a scam, she kept ignoring the request. In the middle of XXXXXXXX XXXX XXXX, the bank locked the checking account abruptly and we were not able to access to the account. When we reached out to the bank, the bank said it locked the account as we did not provide the bank with her passport copy. It took a week for the bank to unlock the account after we provided her passport copy, during which we missed a couple of scheduled payments resulting in late charges by an utility company in total {$50.00}. We requested the bank to reimburse the {$50.00}, but the bank has completely ignored our request so far. What the bank did to us is I believe unlawful and I would like to bring this to the attention to the regulatory body.

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 2025-01-05 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: FL

Complaint narrative:
Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Account Name XXXX XXXX XXXXccount Number : XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, the charge-off listed under [ XXXX ] is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute. I believe the charge-off is inaccurate for the following reason ( s ) : 1- Last Verified do not match 2- High Balance is incorrect 3- Closed Date do not match I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report. Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611. Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. Thank you for your attention to this matter.

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 2025-01-05 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: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract bearing my wet signature, any and all accounts that you post on a consumer report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I must be provided all proof that is used in your verification method as well as what you have On Your ACDV Form.. 
I demand to see verifiable proof ( an original consumer contract with my wet signature on it ) that you have on file for the account listed below. 
Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that the following inaccurate account be verified or removed immediately : Account - Balance - Account - Balance - Account - Balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$9800.00}

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 2025-01-05 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} Chargeoff

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 2025-01-05 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-01-05 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX Subject : Dispute of Late Payments Under 15 U.S.C. 1666 Fair Credit Billing Act Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute late payment information reported to my credit file by [ XXXX XXXX XXXX XXXX ]. The reporting of these late payments is inaccurate and does not comply with the requirements of 15 U.S.C. 1666 under the Fair Credit Billing Act, which governs the timing and proper crediting of payments. The details of the disputed late payments are as follows : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] The payment in question was made on time, but it appears that [ reason for the dispute, e.g., " the payment was not credited promptly, '' " a billing error occurred, '' or " processing delays led to the incorrect report of a late payment '' ]. Pursuant to 15 U.S.C. 1666, payments must be credited on the date received, and billing errors must be resolved promptly by the creditor. I have enclosed the following documentation to support my dispute : Copies of payment records ( e.g., bank statements, canceled checks, or payment confirmations ) showing the payment was made on time. A copy of my credit report highlighting the disputed late payment. XX/XX/XXXX was the released date on the title and also the date I was completely done paying off the loan but XXXX XXXX XXXX XXXX are continuing adding late payments on my credit report on a loan that was never late and paid off a year ago. I kindly request that the Credit Bureaus and XXXX XXXX XXXX investigate this matter, ensure the correction of my credit report, and confirm compliance with applicable federal laws. Please notify me in writing regarding the outcome of your investigation and provide guidance on how this matter will be resolved. Thank you for your time and attention. Should you require further information, feel free to contact me at XXXX or XXXX Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX Subject : Dispute of Late Payments Under 15 U.S.C. 1666 Fair Credit Billing Act Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute late payment information reported to my credit file by [ XXXX XXXX XXXX XXXX ]. The reporting of these late payments is inaccurate and does not comply with the requirements of 15 U.S.C. 1666 under the Fair Credit Billing Act, which governs the timing and proper crediting of payments. The details of the disputed late payments are as follows : [ XXXX XXXX XXXX XXXX ] Account XXXX : [ XXXX ] The payment in question was made on time, but it appears that [ reason for the dispute, e.g., " the payment was not credited promptly, '' " a billing error occurred, '' or " processing delays led to the incorrect report of a late payment '' ]. Pursuant to 15 U.S.C. 1666, payments must be credited on the date received, and billing errors must be resolved promptly by the creditor. I have enclosed the following documentation to support my dispute : Copies of payment records ( e.g., bank statements, canceled checks, or payment confirmations ) showing the payment was made on time. A copy of my credit report highlighting the disputed late payment. XX/XX/XXXX was the released date on the title and also the date I was completely done paying off the loan but XXXX XXXX XXXX XXXX are continuing adding late payments on my credit report on a loan that was never late and paid off a year ago. I kindly request that the Credit Bureaus and XXXX XXXX XXXX investigate this matter, ensure the correction of my credit report, and confirm compliance with applicable federal laws. Please notify me in writing regarding the outcome of your investigation and provide guidance on how this matter will be resolved. Thank you for your time and attention. Should you require further information, feel free to contact me at XXXX or XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX Subject : Dispute of Late Payments Under 15 U.S.C. 1666 Fair Credit Billing Act Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute late payment information reported to my credit file by [ XXXX XXXX XXXX XXXX ]. The reporting of these late payments is inaccurate and does not comply with the requirements of 15 U.S.C. 1666 under the Fair Credit Billing Act, which governs the timing and proper crediting of payments. The details of the disputed late payments are as follows : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] The payment in question was made on time, but it appears that [ reason for the dispute, e.g., " the payment was not credited promptly, '' " a billing error occurred, '' or " processing delays led to the incorrect report of a late payment '' ]. Pursuant to 15 U.S.C. 1666, payments must be credited on the date received, and billing errors must be resolved promptly by the creditor. I have enclosed the following documentation to support my dispute : Copies of payment records ( e.g., bank statements, canceled checks, or payment confirmations ) showing the payment was made on time. A copy of my credit report highlighting the disputed late payment. XX/XX/XXXX was the released date on the title and also the date I was completely done paying off the loan but XXXX XXXX XXXX XXXX are continuing adding late payments on my credit report on a loan that was never late and paid off a year ago. I kindly request that the Credit Bureaus and XXXX XXXX XXXX investigate this matter, ensure the correction of my credit report, and confirm compliance with applicable federal laws. Please notify me in writing regarding the outcome of your investigation and provide guidance on how this matter will be resolved. Thank you for your time and attention. Should you require further information, feel free to contact me at XXXX or XXXX Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 15 U.S. Code 1666b I recently reviewed with my credit report and noticed an account that was not reported accurately I had one late payment on an account that I was in fact paid on time but consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments. I've attached my credit report to this complaint on this date XX/XX/year>. I'm now requesting you investigate this account and update this late payment to be paid on time immediately thank you for your understanding and prompt action.

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 2025-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
I filed a dispute on chime on XX/XX/XXXX apparently on XX/XX/XXXX there was a credit of {$120.00} on my chime account no there was not it was never posted it was never refunded I just want my money I have proof that it was never posted or refunded

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-05 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: NC

Complaint narrative:
I am a victim of identity theft and there are accounts and inquiries in Equifax, XXXX, and XXXX that I did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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, XXXX, Equifax credit XXXX XXXX XXXX XXXX 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 Accounts : XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$400.00}. Inquiries : XXXX XXXXXXXX properties. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX, Experian, 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 Accounts : XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$400.00}. Inquiries : XXXX XXXXXXXX properties. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief