vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I send {$100.00} dollar to my sister using the Remitly aplicacin, my sister never received the money, she went to the bank and they told her no money was sent, they provided her with statements showing her no transactions from Remitly nor United States. Ive been calling but no solution, nothing solved, just the transaction of the day I sent the money. I send them email and nothing either, its been a lot of times that I called trying to solve this issue and they are not doing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: FL

Complaint narrative:
I recently discovered that I have been a victim of identity theft. I was reviewing my credit reports and found several fraudulent accounts and inquiries that do not belong to me. I have no memory of opening these accounts or authorizing these inquiries, and they are negatively impacting my credit score. I was told that XXXX verified them with XXXX, but they have not removed what XXXX already deleted for me. 

Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, please remove the following hard inquiries : 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 I started disputing these last month but I don't see any improvements. I have attached here my ID, SS card, and a proof of address, together with my FTC report. Please remove the late payment on this too as I was never late in all of my payments with them, but because my accounts were compromised, it affected all my automatic payments too, including this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-30 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 recently discovered that I have been a victim of identity theft. I was reviewing my credit reports and found several fraudulent accounts and inquiries that do not belong to me. I have no memory of opening these accounts or authorizing these inquiries, and they are negatively impacting my credit score. I was told that Equifax verified them with XXXX, but they have not removed what XXXX already deleted for me. 

Please remove the following accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Also, please remove the following hard inquiries : - 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 I started disputing these last month but I don't see any improvements. I have attached here my ID, SS card, and a proof of address, together with my FTC report. Please remove the late payment on this too as I was never late in all of my payments with them, but because my accounts were compromised, it affected all my automatic payments too, including this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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 recently discovered that I have been a victim of identity theft. I was reviewing my credit reports and found several fraudulent accounts and inquiries that do not belong to me. I have no memory of opening these accounts or authorizing these inquiries, and they are negatively impacting my credit score. I was told that XXXX verified them with Experian, but they have not removed what Experian already deleted for me. 

Please remove the following accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, please remove the following hard inquiries : - 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 I started disputing these last month but I don't see any improvements. I have attached here my ID, SS card, and a proof of address, together with my FTC report. Please remove the late payment on this too as I was never late in all of my payments with them, but because my accounts were compromised, it affected all my automatic payments too, including this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would like to follow up in regrads of the multiple attempts I have made to remove fraudulent items from my credit file through Credit Bureaus. Despite multiple requests, the fraudulent entries persist, causing significant distress and negatively impacting my financial standing. The continued presence of fraudulent items on my credit file is not only inaccurate but also poses a severe threat to my financial well-being. I request your immediate attention to the following actions : Conduct a thorough and expedited review of my credit file to identify and remove all fraudulent entries. Provide written confirmation once the fraudulent items have been successfully removed. Investigate the source of these fraudulent entries to prevent similar incidents in the future.Therefore, I expect a swift and diligent investigation into this matter. I am asking for your help to remove these fraudulent items in my credit file : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; 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 Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I called Citibank to obtain information on how to tell if a check is fake. I told the representative that I had a check sent to me through email from a freelance graphic design client and that they told me to take a picture of it on the screen to deposit it. I asked if there was a way to tell if it was fake since it seemed a bit sketchy to me. He said, " If the mobile deposit accepts the check then it's real. '' I then received an email that the funds had been received and two days later that the funds had been accepted. I called Citibank on XX/XX/XXXX again to verify that the funds were there and available. My client wanted me to forward some of the money to their printer, I realize that can be a scam tactic, so this was my way of double-checking. I was again told that the funds were there and the check was accepted. Because of this response, I accepted a second check from this client in the same format. Out of extreme caution, I called Citibank one more time two days after that, XX/XX/XXXX. For the third time, I was reassured that the check was valid and had been accepted. Due to this response, I went ahead and forwarded {$850.00} to the printer. Two days after that, my check was declined and the funds were withdrawn from my account. I am currently unemployed and have been sick with an as-yet-to-be-diagnosed illness for 2 1/2 months, so I was counting on the two checks to get me through the month. However, once the funds I was told three times were " there '' bounced, I ended up being overdrawn by {$230.00}, and this was before the second " accepted '' check bounced. When the first check bounced, I called Citibank and asked how that could be since I was told three times over six days that the funds were viable. The response was, " Well there's still a chance the check can change and be returned. '' I asked why I wasn't notified of this any of the times I called and was told, " Sorry for the inconvenience, that just happens sometimes. '' No matter what I asked or explained about the situation after that, I got the same response. I tried calling my local branch and was told they do not handle such situations, they told me to call the main number and get connected to the fraud department. I did that and after I explained the situation, I got the same response of " Sorry for the inconvenience, you should try bringing the check to your local branch. '' I had already explained that I didn't have a paper check and when I reminded her, she said the same thing. The whole situation is infuriating and I believe Citibank had an obligation to inform me that the check still had the potential to bounce.

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 2024-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Back in XXXX  an apartment building that I was renting from was sold by the owner to another property management company. I gave notice that I was going to be moving out and moved out with the belief everything was paid current and good to go. Some time passed after my move out and I received a notice that I owed them over {$20000.00}. I reached out after getting this notice and spoke to someone at XXXX the new management company. I explained everything, he saw their error and said he would correct it and contact me back. He never did. I then received a notice from Columbia Debt Recovery that I was in collections despite them having incorrect information and not fixing it. I reached out immediately and explained the situation to the agent on the phone. They said they would research it and get back to me. They never did. I continued to receive communications from them and I would continue to provide the correct information even disputing it on my credit report and they never took corrective action. Finally a few months ago I got them to drop off a portion of the wrong amount after an exhaustive amount of phone calls an repeatedly explaining in detail where they were wrong. They still have not corrected the total and are now threatening possible legal action. I have emailed over proof and spent countless hours working on this in addition to the financial damage having this incorrect collection on my report has caused me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-30 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: DISCOVER BANK
State: MA

Complaint narrative:
Im a customer at Discover Bank I was sent an invitation to apply for a personal loan I applied and was approved I went through the verification process and there was an issue with the last step which was uploading my my ID I called the number I was instructed to call and was told by the associate that government issued IDs werent accepted as form of identification I was basically mislead by Discover bank and their mail solicitation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: OH

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: WA

Complaint narrative:
I unfortunately noticed I am a victim of identity theft recently and I am attempting to remove all fraudulent inquiries that did not authorize. I have enclosed a copy of my identity theft report, a copy of my driver license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you remove the following fraudulent information on my credit file. 

The information on my credit report does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove the fraudulent information below per sections 605B, 615f and 623a6 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 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
There is fraud done on my account by hackers. and Bank of America seems like either they are on the hacker side or they blame Bank of America customers or they just don't want to 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 monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
We were told by our broker that in the state of LA, our mortgage interest rate can de reduced to 6 % due to our status as a military family. 

We closed on our house and reached out to our mortgage company, Mr. Cooper, and sent in our XXXX information to drop our interest rate. 

They denied our application because we were active duty while acquiring our loan. 

We reached back out and explained that per LA law, we were entitled to the interest rate decrease. Louisiana statute 29:312 C. The amount of any periodic payment due from a person, or spouse of a person, who is on active duty under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made. 

They rejected our claim once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: MO

Complaint narrative:
This is my follow up complaint regarding the unresolved fraudulent items on my credit report. Despite multiple efforts and providing all necessary documentation, the items remain on my credit report, causing significant financial and personal distress. In spite of my continuous efforts and compliance with all procedures, the fraudulent items have not been removed from my credit report. This ongoing issue has severely impacted my credit score and overall financial stability. I am requesting asking for your help to immediate assistance to : Investigate my complaint thoroughly and ensure the removal of all fraudulent items from my credit report. I appreciate your attention to this urgent matter and look forward to your prompt response. Kindly help me remove the following items immediately : XXXXXXXX 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 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 explanation
Consumer complaint received 2024-07-30 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: MO

Complaint narrative:
This is my follow up complaint regarding the unresolved fraudulent items on my credit report. Despite multiple efforts and providing all necessary documentation, the items remain on my credit report, causing significant financial and personal distress. In spite of my continuous efforts and compliance with all procedures, the fraudulent items have not been removed from my credit report. This ongoing issue has severely impacted my credit score and overall financial stability. I am requesting asking for your help to immediate assistance to : Investigate my complaint thoroughly and ensure the removal of all fraudulent items from my credit report. I appreciate your attention to this urgent matter and look forward to your prompt response. Kindly help me remove the following items immediately : 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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got a letter from Citi re : my XXXX thankyou from Citi credit card. It said starting in XXXX of XXXX  my Annual Purchase Rate for Purchases will go up to 34.24 %. My options are to agree, or opt out. If I opt out, they will close the account. I called to ask why this was happening and was told by a representative that it was a decision made by Citibank and affects every cardholder of this credit card. I asked why they made the decision and was told the representative didn't know the particular reason.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has plated my federally protected consumer rights to privacy and confidentiality under 15 USA 1681. The accounts belon have s iouted mi rights : 15 us. e 1681 scetion 604 A section 2 : lt also states a consumer reporting ageney can not furnish a account without my written instructions, IS U.S.C 1681c. ( alS ) section states : no consumer reporting ageney may mike any consumer report containing any of the following items ef information any otheredverse rem of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 L.S.C. 16819-2 ( Aa ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 1l the person knowe or has reasonable cause to believe that the infonnation is inaccurate. Delete the accounts below XXXX auto XX/XX/2023 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief