vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA

Complaint narrative:
Okay HSBC closed my account without responding to the CFPB. 
The account was closed letter XXXX. 
Letter will be attached. 
No monies that are in the closing contract were sent. 
HSBC is a FRAUDULENT Banking Institution. 
Here is why .... 
On the 2nd letter sent by HSBC Bank it is clear that monies were deducted from said FRAUDULENT Funds so that HSBC Bank could retrieve their MONIES from said FRAUDULENT MYSTERY DEPOSIT of XXXX. 
It States on the letter that the deposit was returned to whomever was manipulating my account FRAUDULENTLY. 
Therefore all monies should be DISBURSED to me. I have a contract between HSBC BANK AND MYSELF. 
Monies that are deposited into my said account at the time of closing my account should be issued to me with a Cashiers Check. No check was sent so HSBC BANK IS GOING TO KEEP THE MONIES THAT HSBC BANK FRAUDULENTLY DEPOSITED INTO MY ACCOUNT AS A CLEAR FORM OF RETALIATING MEASURES. 
1ST - HSBC BANK has poor and ANTEQUATED SECURITY SYSTEM. 
2ND - HSBC BANK IS NOT HONORING THEIR FUNDS ISSUANCE OF FUNDS THAT ARE POSITIVE AT THE TIME OF MY ACCOUNT BEING CLOSED. 
It clearly states that my account balance was XXXX at the time HSBC Bank closed my account This is a really cute letter showing the funds being Credited and Debited. 
How do you return monies to source that no one is aware of the source. 
How Because the bank is the source of the said MYSTERY FRAUDULENT DEPOSIT. 
I need RECEIPTS. 
HSBC BANK has provided me a XXXX XXXX that maybe someone who is a XXXX XXXX who is XXXX XXXX XXXX XXXX XXXX 
I have provided both letters sent to me by HSBC BANK. 
There is debits and credits. 
As I stated this is Retaliating Measures by HSBC Bank for filing a Complaint with The CFPB in XXXX 
HSBC BANK has NOT provided a response to the CFPB because they thought XXXX was going to close the CFPB down. 
However There are people such as myself who signed countless petition. 
Also I contacted my Louisiana Representatives to Express My Utter Distain with what XXXX is trying to do within the Federal Government with his XXXX XXXX XXXX. 
The Activity being Diplayed by XXXXXXXX XXXX XXXX are tactics to DELETE US AS THE MIDDLE CLASS. THE DIVIDED STATES OF AMERICA will be defined by The Wealthy and The Poor Banks like HSBC BANK has been destroying people 's character for a long time. 
NOT ON MY WATCH. 
THESE GENERIC DEPOSITS AND DEBITS ARE NOT ACCEPTABLE TO ME. 
I WANT TOO SEE THE A PAPER TRAIL. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed I have a fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit. XXXX XXXX XXXX XXXX XX/XX/year>2024 {$1000.00}

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 explanation
Consumer complaint received 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am filing a formal complaint regarding unauthorized accounts on my credit report that continue to appear despite my attempts to have them removed. These accounts violate 15 USC 1681b, as there is no permissible purpose for reporting them without my consent. I believe these accounts stem from my personal information being compromised in the XXXX data breach. The ongoing presence of these fraudulent accounts is causing significant harm to my credit and financial well-being. I request immediate investigation and removal of these accounts. If this matter is not resolved promptly. Please find attached documentation related to the disputed 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 2025-03-10 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: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

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 2025-03-10 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: NE

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: AL

Complaint narrative:
I recently sent a dispute asking if the account on my credit report is correct and complete. They didnt properly look into it. I believe the information is still wrong and incomplete. This is really stressing me out, and Im feeling very down. Please help meI feel like my life is falling apart. 

Please know that I am the one submitting this dispute, not a third party.

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 2025-03-10 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: AL

Complaint narrative:
I recently sent a dispute asking if the account on my credit report is correct and complete. They didnt properly look into it. I believe the information is still wrong and incomplete. This is really stressing me out, and Im feeling very down. Please help meI feel like my life is falling apart. 

Please know that I am the one submitting this dispute, not a third party.

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 2025-03-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MOHELA
State: CA

Complaint narrative:
Last year, XX/XX/XXXX, I filed XXXX XXXX XXXX. The automatic stay order was sent out to all creditors including to MohelaXXXX, the loan I am a cosigner on with XXXX XXXX XXXX XXXX who also filed for XXXX XXXX XXXX XXXX XXXX XXXX 

This loan financed with XXXXMOHELA is a private student loan and is not federally backed in the amount of {$76000.00}. 

During my automtic stay order MOHELA violated the order with phone calls, voicemails, emails, and letters in the mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX A Certified letter was sent to MohelaXXXX by XXXX XXXXXXXX XXXX on XX/XX/XXXX with the loan forgiveness and discharge from his bankruptcy and concerns of them violating my automatic stay order. They did not respond and in an attempt to avoid penalities the Mohela loan was sold to XXXX XX/XX/XXXX, prior to my discharge of bankruptcy XX/XX/XXXX. 
I find this grossly neglectful on their part to avoid addressing this matter. 

XXXXMohela are arguing that this student loan is a federal loan and is not dischargeable. This loan does not constitute as a " qualified educational loan '' as defined under 26 U.S.C 221 ( d ) ( 1 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-10 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-10 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-03-10 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: MI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX Ct, XXXX XXXX, Ga XXXX XX/XX/XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, XXXX Subject : XXXX XXXX Credit Report XXXX Santander Consumer USA Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute an entry on my credit report XXXX Santander Consumer USA. My name is XXXX XXXX XXXX XXXX, and my Social Security Number is XXXX. I recently reviewed my credit report and found an entry related to Santander Consumer USA that I believe is inaccurate and should be removed. 

Due to a recent data breach, my identity was compromised, and I am concerned that this entry XXXX be a result of fraudulent activity. Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I am requesting that you investigate this matter and remove the inaccurate entry from my credit report. 
The specific entry I am disputing is as follows : Account Name : Santander Consumer USA Account Number : [ Account Number ] Date of the Report : XX/XX/XXXX Please confirm the receipt of this letter and inform me of the outcome of your investigation as soon as possible. I appreciate your prompt attention to this matter. 

Thank you. 
Sincerely, ony XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I received a XXXX XXXX monthly bill statement from XXXX XXXX with charges from their credit card. I knew there was a mistake, because, my account had a XXXX balance. I called the company, they gave me the runaround having me to call back several times to provide the same information. I called multiple times to open the fraudulent case. They would open the case and then close it stating the card was in my possession. I did not know the card was lost or missing. I do not carry my credit cards. The company verbally provided dates that charges went against the account. I sent documentation sharing I was not in town during one of the transactions. After that proof, the company wants to whole me liable for {$6000.00} plus of damages that are ruining my credit report. I asked them to review the cameras. They told me they would not and for me to call the local police. I filed a police report. I did not have an account balance and I did not make the charges. I need help.

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