vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXXi ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am filing this complaint against Citibank due to their mishandling of my sensitive medical records and their failure to secure that information despite my repeated requests. Citibank was made aware of a HIPAA violation involving the unauthorized access and exposure of my unredacted medical records by employees at Citibank. 

The timeline is as follows : XX/XX/XXXX : I initiated a chargeback dispute for a medication I never received from XXXX XXXX, and for a one month ( XXXX XXXX XXXX ) subscription for access to the XXXX XXXX website that was revoked by Mochi on XX/XX/XXXX. 

XX/XX/XXXXXXXX  : XXXX XXXX sent Citibank my medical records in relation to Dispute Case XXXX, which concerned a subscription charge. 

XX/XX/XXXXXXXX  : XXXX XXXX sent Citibank my medical records again, this time for Dispute Case XXXX, disputing the charge for medication I was never sent. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I made multiple phone calls to Citibank to address both the chargeback issue and my concerns about the privacy of my medical records. 

XX/XX/XXXX : During a call with XXXX, I was informed that an analyst had been assigned to my complaint, and that they would contact me within two weeks by email and phone to discuss the steps taken to secure my medical records. This conversation was given reference number XXXX. 

During these calls, I discovered that my unredacted medical records were accessed by Citibank representatives without my consent. I was not informed of the steps Citibank was taking to secure my records, despite the repeated access by unauthorized employees. 

On XX/XX/XXXX, I spoke with XXXX at Citibank, who was unaware that my primary concern was the security of my medical records. I explicitly requested that my records be secured, but she told me that I would need to speak with someone in the Dispute Department and stated that Citibank could not provide a transcript or written email detailing the call. I was also told that Citibank has a record of who has accessed my account, but that I am not allowed to access this information. 

Citibank has failed to act on my requests and refused to secure my personal medical data, leaving it accessible to employees who do not need to see it. Their lack of response and failure to protect my privacy is a serious violation of my rights under HIPAA, and I am extremely concerned about the ongoing exposure of my medical information.

Despite my efforts to resolve the issue, I have received no satisfactory response from Citibank, and my personal information remains unprotected. I am requesting that Citibank take immediate action to secure my medical records and prevent any further unauthorized access.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXXi ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
- Both checking and savings accounts were opened on XX/XX/year>. 

- Funds were deposited into accounts using XXXX checks ; XXXX from my personal XXXX XXXX XXXX check, the other was a reimbursement check from my employer. 

- Made XXXX XXXX XXXX debit card transaction on XX/XX/year> for around {$3.00} at my place of employment and immediately received fraud notifications and was asked to call Chase immediately, which I did. I was told that Chase has determined they do not wish to have me as a customer. My accounts will be closed immediately and I am not to try and attempt to open another account with Chase in the future. I was told that twice on two separate phone calls. 

- I have made multiple additional phone calls to Chase to determine when I would received my funds from these accounts. After almost XXXX weeks later I was told Chase is still awaiting verification on the XXXX checks I deposited, even though both checks have cleared and were never returned. 

As of today, XX/XX/year> I still have not received my funds from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-07 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
Coinbase froze my account and is not allowing me to pay back my loan. 
My collateral is at risk of being liquidated and they are ignoring my requests to pay back the principle balance of my loan. 
They are not returning my calls or emails. 
I've reached out to them multiple times over the past three weeks.

Warning to other consumers - Never use Coinbase they can freeze your account whenever they want. They take weeks to resolve the issue. They can take your collateral.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX  Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I used my computer to go to chase. com. I put in my user name and password and it said something about my profile getting set up and that it would take a while. The site asked for a one time code and my password to set up the profile. The site still would not let me in, so i tried on my phone and was able to log in as usual. Then I received an email that a wire recipient was added, which i didn't do, so I called the bank. I told them about the wrote receipient i didn't add. They told me my account was compromised and locked me out of my profile. While I was speaking with them about removing the receipient, I got another email saying my wire was sent. I told them this and that I did not send a wire. The attendant told me they did not see a wire, only a transfer from my business account to my personal account. I told them i did not make the transfer and that something was very wrong. I had an email saying there was a wire and that it probably was out of my personal account. They told me that was a different department and transferred me. I was given access to my profile where I could now see two wires from my personal account one that was pending for {$18000.00} to a XXXX XXXX and one competed for {$19000.00} to a XXXX XXXX. The time delay on the phone meant one wire has already transacted. Both of these accounts are on the same profile. Chase did not specify which account has the wire receipient or transfer so there was no way for me to know which line to call and they have two different lines for accounts that can be accessed together on one online profile. Chase also failed their due diligence by allowing a large wire to be sent without additional verification, such as a phone call. They failed by releasing a wire while I was on the phone reporting fraud. They failed by sending emails about my personal account to my business email, which was a change i never requested and failed by not specifying on their emails which account had the activity. They also failed by having segregated departments for accounts they mingle on their portal and emails. 

Chase is starting the only way to be given by funds back is if they recover them from the recall. But they bear liability on this and it's their responsibility to return to me funds they failed to safeguard

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-05-07 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-05-07 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: SC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: SC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I've been having my calls rerouted to specific people that have the interest of a different company. I called The Work Number by Equifax to get help logging into my account and wasn't able to get assistance. I want to make sure my information is not being used for anything besides what I called for. I wanted to verify that the people I spoke to only worked for The Work Number and was using the information only on behalf of the work number without any other hidden agenda. I want to make sure companies aren't being used to get information from consumers without their consent. I called phone number XXXX around XXXX CT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-05-07 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: NC

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-05-07 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-07 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: AL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
Hi officer, I took car loan from XXXX XXXX and bank is TD auto finance bank, loan started from XX/XX/year> I set up auto pay and never looked into account there after, I never missed payments and one such time in XXXX where I did not have funds and auto pay missed, subsequently my autopay was on time every month, but bank says they notified me in XXXX and they never said after that, today when I saw the account they charged XXXX $ as late fees and never bothered to inform me, or even call checking why I am not paying late fees but paying emi every month on time. Not sure how many customers they blinded like this till date. I believe if anyone charging late fees they need to inform them and try all possible attempts to get the msg notified that they missed payment so and so month and hence late fees applying post that. They are doing such practices and customer care is very arrogant. 
When they are recording my call conversation with them but they are denying me to record the conversation, when I ask not to record they insisting to disconnect the call. How is this tolerated?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief