vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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:
Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX 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 An auto loan with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a Balance of {$900.00}. 


I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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:
Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-XXXX ) that you, the ( XXXX, XXXX, and Experian credit reporting agency XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of An auto loan with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a Balance of {$900.00}. 


I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections 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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
on XX/XX/XXXX, I have used a promotional balance transfer offer of 0 % till XX/XX/year>. I paid off my 7 % XXXX XXXXXXXX account. To my surprise the first week of the year, I received an email from Citibank letting me know that the promotion was expired and regular rate ~ 23 % will be applied. I called and spoke with many supervisors and they relayed that they can not help me and some even justified the action. I explained that I was not aware that the offer expired and I would have expected that the offer do not go through if it has expired rather than forcing me into a rate that I did not agree to and it will cost me a extreme rate versus lowering my considerably low rate with XXXX XXXX 

The supervisor submitted a dispute, but to my surprise, I received yet a similar message and later mail reiterating that my balance transfer has expired and regular APR will be used instead. 

I spend over XXXX hours today XX/XX/year> over the phone being tossed around between reps and supervisors that disconnect the call and never call back or transfer to wrong place. 

I have been a loyal customer to Citibank and never imagined how they are trying to take advantage of me and processing a balance transfer wrongly and impose a higher rate on me. 

I asked them to fully document the call and relay my uttermost dissatisfaction and disappointment. 

This puts me in a bind and financial burden because I will have to incur additional fees to transfer the balance or payoff some how or borrow the money elsewhere. Need compensation to my time and fees that I will accrue at least.

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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CA

Complaint narrative:
The transaction happened with my Citibank credit card on XX/XX/2024 for the amount of {$110.00} and another amount for {$110.00}. 

I contacted my phone carrier XXXX on that day to upgrade my two telephones that I have on my account I wanted to order two new XXXX XXXX. 

I have their magenta plan which charges me {$35.00} per line each month because I am XXXX and over. 

The salesman on the phone guaranteed me my plan would not change at all, but I would just get the two new phones and thats it. 

What I came to find out about a day later was that instead of my bill being combined with Internet and cell phones two of them {$110.00} a month I was going to be paying {$180.00} a month because he took me off of my plan. 

This salesman was not truthful. He was a scammer. He was deceitful and he was lying. I contacted XXXX immediately and I have spent a couple of months going back-and-forth with them, begging them to please resolve this because they put the order through charged my card and sent me two new XXXX  of which I returned back to XXXX And I have a proof in my email that they received those phones. 

The so-called upper echelon of the company kept telling me everything was resolved. We took care of it. your bill still XXXX a month the transaction was canceled. Your account was credited. But in the meantime what I did when I saw that it wasnt being resolved. I filed the complaint with the FTC. 

Now, today I received a copy of a letter from my credit card company stating that XXXX responded and is holding me responsible for those two charges of {$110.00} regardless of me canceling the sales transaction and returni

ng the two new XXXX back to them. I wan na know since when in this country is it not legal to return an item and cancel the transaction So of course Citibank believed XXXX over me and is holding me accountable for money for services and products. I dont have Citibank has no right to do this to me. This is credit card abuse Upon a senior and I dont care if Im a senior or not they dont have the right to do this to me. 

Again I spoke to XXXX today again is giving me the runaround and telling me they wan na keep me as a customer and that theyll resolve it. 

I see no resolution in the future with this matter. 

I am being deceived and defrauded out of my money by XXXX which they claim theyre trying to take care of it and now Citibank credit card company Its really now Citibank that Im filing a complaint against and their credit card that they issued me and that credit card is connected to my Costco membership

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have been back and forth with all of these companies and they dont not respond. 

XXXX XXXX {$200.00} XXXX  XXXX XXXX {$110.00} GM Financial- {$21000.00} Texas Dealer- {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I have been back and forth with all of these companies and they dont not respond. 

XXXX XXXX XXXX Security Credit ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX XXXX is not complete and is not reporting accurately. 

Account [ XXXXXXXX XXXX XXXX  ] is reporting inaccurately across the Equifax, XXXX, and XXXX. The charge off date is inconsistent. The date last active, and the payment history are also inconsistent. 

I sent a letter on XX/XX/year>, asking Equifax to reinvestigate this account [ XXXX XXXX XXXX ] here is the tracking number : XXXX XXXX XXXX XXXX XXXX XXXX I got the investigation back but noticed nothing was modified or updated. So I requested a description of the reinvestigation on XX/XX/year>. Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Equifax didn't provide me with a Method of verification violating 15 USC 1681i7. Equifax also violated 15 USC 1681i ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My information may have been impacted by the Equifax, XXXX and XXXX Data Breach and may have got into the hands of the wrong person Under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX XXXX without prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Data Breach and may have got into the hands of the wrong person Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX XXXX without prejudice

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am writing to request the removal of certain inquiries from my credit report. The information on these inquiries is inaccurate, and under the California Fair Credit Reporting Act, I have the right to dispute any incorrect information on my credit report. I have the dates and names of the inquiries in question and would like to know where I can send this information for review. Please take the necessary steps to remove these inquiries promptly. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: MI

Complaint narrative:
Many errors found. Name and addresses incorrect. Amounts inaccurate creditors and debts wrong and unknown

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 2025-01-14 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
The reason for my complaint does not match any of CFPB frequent complaints for home equity line of credit. Opened a line of credit account in XXXX with a 10 year draw period. The credit line was approved and was opened and in good standing when chase bank decided to close the line of credit draw period for reasons that were never in the original agreement signed agreement. 

Chase stated that they have an obligation to monitor customers activity. They have basically accused me with no proof what so ever of me being a potential money laundering risk under the Bank secrecy act. As such they closed out all my accounts in XXXX except for this account. Fast forward to today and they are still trying to get rid of my accounts in unjust ways that are not what their legal terms on the signed agreements stated. 


Chase decided to simply make up a convenient reason to close out my account early. This reason was never in the agreed terms under lender rights as to when they can close the account early. Chase bank generic decision stated as follows .... " after careful consideration, we decided to end the open-draw period on the HELOC account above on XX/XX/XXXX, because of your association with a Chase credit card, deposit or investment account that was previously closed. '' Nowhere in the original signed terms does it state that being associated with a closed Chase account is a reason for Chase to terminate this agreement early. The lender rights state : " In addition, as outlined in your contract, under Lender 's rights, we reserve the right to terminate your credit line account, subject to any notice requirements, if any of the following situations occur : -You commit fraud or make a significant misrepresentation at any time in connection with the credit agreement, such as providing false information about your income, assets, liabilities, or other financial details. -You fail to meet the repayment terms of this agreement. -Your actions or inactions negatively impact the collateral for the plan or our rights to the collateral. '' Nowhere does it mention anything about being associated with other closed chase accounts as a reason to close this account early.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
someone applied for credit in my name. Been in contact with XXXX XXXX and XXXX Bank. Please see the attached letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
someone applied for credit in my name. Been in contact with XXXX XXXX and XXXX XXXX. Please see the attached letters.

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