vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/22 I submitted complaint to CFPB, complaint ID : XXXX, and got the response from Citibank XXXX XXXX XXXX XXXX but Citibank is not a responsible Bank as a sending Bank. 
Citibank Transfered the fund through the corresponding Bank XXXX Bank XXXX ), and according to Citibank, the fund was received by the corresponding Bank XXXX Bank XXXX ) on XX/XX/22, due to the XXXX ( local clearing system ) code was invalid, the fund could not be credited to the final Beneficiary Bank XXXX Bank XXXX XXXX, XXXX XXXX XXXX ). 
I have emailed the XXXX code to Citi XXXX XXXX XXXX, email correspondence for almost 2 months, at the final end Citibank just asked me to inform the final Beneficiary to contact their Bank XXXX XXXX, XXXX XXXX XXXX ) to investigate Bank XXXX for the transfer fund. 
Citi XXXX Bank XXXX Bank XXXX ) will only accept the instructions from Citibank, the final Beneficiary Bank is not in a position to investigate the transfer fund. 

I hope people should be careful to do transaction with Citibank, I have lost the trust in Citibank.

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Experian Credit Bureau but they failed to give me any results or feedbacks about this concern. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have these accounts repaired for once : 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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have this account repaired for once : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, 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:
The attached accounts were created without my knowledge and charges were made without my knowledge

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DigniFi
State: CA

Complaint narrative:
In XXXX of this year, I was the victim of identity theft. Fortunately, I was able to catch it fairly quick and the fraudster was only able to open up XXXX  accounts- a credit card and a personal loan. I was able to very easily work with the credit card company to dispute the account and it was closed in a fast and efficient manner. I filed a police report with XXXX XXXX Police Department at the time of the event. 

A few weeks later, I noticed the personal loan and immediately got in touch with Dignifi. I was told they would be unable to do anything until I provided a police report. I attempted to work with them on other options in the meantime to ensure they didn't report this as fraud to XXXX and the other credit agencies. I was told they are unable to do that and they would not take action until they had a police report that said Dignif on it. I was also told that if I provided a police report case number they could work with XXXX directly to take care of it. 

I went back to the police station, added dignfi to my complaint, and request a copy of the report. XXXX is fairly backed up and I still have not gotten the report. I tried emailing Dignifi to work through next steps and gave them the case number. I have sent XXXX unanswered emails since XX/XX/XXXX. 

In the meantime, they have called me to try and get a payment on the loan and have also attempted via the mail. 

Additionally, when XXXX reached out about my dispute, Dignifi reported it as legitimate. 

On top of all of this, I asked Dignifi when I was on the phone what kind of XXXX  they conduct and they told me they do not require a copy of an ID to get a loan which I found disturbing. 

Overall, the customer support has been terrible and they still have not resolved this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a natural person, I am a living human being I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have violated my rights numerous times and I demand these accounts be removed because.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax read information to furnish these accounts. 

Accounts are XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Oklahoma Student Loan Authority
State: FL

Complaint narrative:
My social security number was use to co-sign loan without my authorization. When loan was taken out I was XXXX XXXX in military station in XXXX on XXXX. I contacted loan company and fill out forgery form and no action was taken about it. I filled out identity theft report on FTC. Please remove from credit report because this is fraudulent. Any more information that is need please reach out

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, the Experian quoted the credit report score at XXXX, this, with XXXX collections and a ( XXXX ) written off/charge off indicated on the credit report. The XXXX is indicating a ( XXXX ) XXXX with no collections and no charge-off/written off. I'd like the Experian, XXXX and XXXX notified to uplift the score given the current status of the erasures and deletions. XXXX, I'd like a score legible for the credit cards ', etc.. 
Thank You! : - ) HAPPY HOLIDAY 'S!!! 
Sincerely, 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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX .... Balance : {$280000.00}

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 2022-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
First, I received notification that my application for the one-time Student Loan Debt Relief Plan was approved. Then, I received an email stating that was a mistake due to a vendor error. This massive mountain of debt causes me undue stress and anxiety on a daily basis. It prevents me from doing a lot of things, like becoming a homeowner. These XXXX XXXX notifications spitting out conflicting information that deeply affects millions of lives are irresponsible and negligent. They add to the mental strain and perpetual emotional roller coaster and are extremely taxing and harmful to my health and wellbeing. Im not sure what entity is responsible but they should be investigated, prosecuted and fined for the mass uncertainty and chaos caused by their careless, thoughtless and incompetent actions. In addition I spent XXXX hours on hold to finally speak to a representative who was very helpful. After I submitted my PSLF application I finally received a notification from MOHELA that only 3 payments were eligible and that I still need to pay XXXX. I had previously understood that all my payments over five years Ive worked for the government entity should be counted and that I would receive credit for making every payment through the pandemic forbearance. I requested a refund of those payments weeks and weeks ago. This company can not handle the volume and they are an inaccessible monolith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX .... Balance : {$280000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX .... Balance : {$280000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, 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:
My social security number was use to co-sign loan without my authorization. When loan was taken out I was XXXX XXXX in military station in XXXX on deployment. I contacted loan company and fill out forgery form and no action was taken about it. I filled out identity theft report on FTC. Please remove from credit report because this is fraudulent. Any more information that is need please reach out

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that there is an account that was erroneous. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX .... Balance : {$280000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
Please reference previous complaint XXXX from XXXX as the matter has NOT been resolved. As of today my homeowmers insurance is set to cancel and Truist continues give them the run around and managed to have the original complaint closed. Meanwhile my insurance has given me grace periods and Truist is earning interest on my money.

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED and CORRECTED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items will be updated 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 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 non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX of this year, I was the victim of identity theft. Fortunately, I was able to catch it fairly quick and the fraudster was only able to open up two accounts- a credit card and a personal loan. I was able to very easily work with the credit card company to dispute the account and it was closed in a fast and efficient manner. I filed a police report with XXXX XXXX Police Department at the time of the event. 

A few weeks later, I noticed the personal loan and immediately got in touch with XXXX. I was told they would be unable to do anything until I provided a police report. I attempted to work with them on other options in the meantime to ensure they didn't report this as fraud to experian and the other credit agencies. I was told they are unable to do that and they would not take action until they had a police report that said XXXX on it. I was also told that if I provided a police report case number they could work with XXXX directly to take care of it. 

I went back to the police station, added dignfi to my complaint, and request a copy of the report. XXXX is fairly backed up and I still have not gotten the report. I tried emailing XXXX to work through next steps and gave them the case number. I have sent XXXX unanswered emails since XX/XX/XXXX. 

In the meantime, they have called me to try and get a payment on the loan and have also attempted via the mail. 

Additionally, when experian reached out about my dispute, XXXX reported it as legitimate. 

On top of all of this, I asked XXXX when I was on the phone what kind of XXXX  they conduct and they told me they do not require a copy of an ID to get a loan which I found disturbing. 

Overall, the customer support has been terrible and they still have not resolved this.

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: MN

Complaint narrative:
i am a victim of the credit karma false and misleading advertising run witch resulted in a dramatic increase in my credit score over the span of a year they advertise these credit cards saying i'm approved and once i complete the application i was denied. this happened on about 15+ occasions this again resulted in multiple hard pulls on my credit

Company response to consumer: Closed with explanation