vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was in the process of buying home. On XXXX XXXX received the wire instruction from fake Email. unfortunately XXXX $ wired the money from XXXX Bank. In the XXXX XXXX system recognized the routing number, account number and Bank address. after XXXX mins when I found out it was fraud called them and went there asked them to stop it but they said it went out of their system. They recalled the wire which I need to wait for 3 days. 

Although the XXXX XXXX called the city bank wire department, and I call the bank as well, no one was able to help and trace the wire transaction at Citi bank. 

I went to the destination bank which is CitiBank, NA. They said they can't help me because I am not their customer and the account number and routing number is not belong to them!! 
It is question that It means there is fake bank in the financial system that collect the people 's money?! 
Several times went and called to fraud department of Citi banks but they said they can't help more because is not in their system or I am not their customer. 
It seems destination bank doesn't have information and can't help. Where is the money? How this possible? This CitiBank NA. doesn't have any legit phone or address! Can they proof the account opened with real/legit documents not fake? They investigation proved the opposite and there is possibility to be Bank 's employee! Can banks open account and fraud the money? why they don't respond or return the money when the XXXX XXXX  requested? This is crime

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 2024-10-25 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: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
I applied for an apartment and was told that theres an eviction on my credit report. I was evicted and the property management company is terminated and a new company came in and I stayed with them for an additional seven months and left with a XXXX balance. I tried contacting the property to get a letter but can not get in contact with the property manager I have emailed and called. The credit reporting agency requested that I provide a letter saying I had a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: IN

Complaint narrative:
I recently reviewed a copy of my credit card and noticed I had fraudulent accounts on my report. I want the fraudulent account to be removed from my credit report immediately because they hurt my ability to obtain credit

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 2024-10-25 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: GA

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX Account Number : XXXX Highest Balance : {$4000.00} Account Name XXXX XXXX XXXX  Account Number : XXXX Highest Balance : {$10000.00} Account Name : XXXX  Account Number : XXXX Highest Balance : {$7000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$30000.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Highest Balance : {$12000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$33000.00} Account Name : XXXX  Account Number : XXXX Highest Balance : {$6300.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$15000.00} Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$790.00} Account Name : XXXX XXXX BANK XXXX Account XXXX : XXXX Highest Balance : {$30000.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$6000.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$32000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$6500.00} Account Name : XXXX  Account Number : XXXX Highest Balance : {$3600.00} Account Name : XXXX Account Number : XXXX Highest XXXX : {$8400.00} Account Name XXXX XXXX Account Number : XXXX Highest Balance : {$4000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Highest Balance XXXX {$15000.00} Account Name XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$1500.00} Account XXXX : XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$2700.00} Account Name : XXXXXXXX XXXX  Account Number : XXXX Highest Balance : {$15000.00} Account XXXX : XXXX  Account Number : XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Balance : {$0.00} INQUIRIES XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.

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 2024-10-25 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: PA

Complaint narrative:
I couldnt believe it when I saw unfamiliar accounts on my credit report today, and I have no idea how they got there. I check my credit report routinely, but this time there were unexpected inaccuracies that didnt go away even after I refreshed my browser, thinking it might be a simple error. To resolve this, I ask that my documents be carefully reviewed to put an end to this unsettling experience.

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 2024-10-25 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: NC

Complaint narrative:
I have reviewed my credit profile and noticed inquiries or collection that I have NOT given written instruction to 3rd party to report to my file. According to The FCRA this is in violation of 15 USC 1681b - PERMISSIBLE PURPOSE. Please understand that no consent is IDENTITY THEFT. I AM DEMANDING THESE ACCOUNT BE REMOVED IN 2 BUSINESS DAYS. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-25 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: IN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. I want a fraudulent account to be removed from my credit report immediately because they hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian is refusing to handle my request to investigate accounts on my credit report that appear to be inaccurate and incomplete. I sent a letter to Experian on XX/XX/year>, asking them to correct or delete each item they can not verify as accurate and complete. However, this week, I received an email from Experian stating that my letter does not appear to have been sent directly or authorized by me. I do not understand the basis for this conclusion, especially since I am the one who sent the letter. I feel my rights as a consumer were not respected in this process.

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 2024-10-25 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to formally dispute the fraudulent accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 609. I have identified accounts that do not belong to me and have been opened without my knowledge or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these accounts promptly. Under FCRA 609, I have the right to request the disclosure of the information in my file, and I am also entitled to have fraudulent information removed.

Please be advised that you have four ( 4 ) days to remove these fraudulent accounts from my credit report. I am attaching my FTC identity theft complaint for your reference and further validation of my claims.

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely, 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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransunionXXXX credit reporting agency has put incorrect information on my credit report pertaining to my mortgage loan, they marked me late for the months of XXXX 2024 .my loan was not late each of those months, my mortgage loan was paid on time and also I spoke to XXXX XXXX  XXXX mortgage about the situation and they stated that my account was not late and for me to take this matter up with the credit bureaus that reported me late. I have reached out to the credit bureaus but I haven't gotten anything in return from them.

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 2024-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the immediate deletion of two erroneous child support entries on my consumer report. The discrepancies within these entries raise significant concerns regarding their accuracy and compliance with the Fair Credit Reporting Act ( FCRA ), as well as the Federal Trade Commissions ( FTC ) guidelines for consumer reporting. The following inaccuracies pertain to the accounts in question : Child Support Account XXXX Date Opened :XX/XX/2023XX/XX/year> Unpaid Balance : {$18000.00} Current Rating : Collection/Charge-off Comments : Placed for Collection This account lists a balance of {$18000.00} with collection/charge-off status but lacks any relevant payment history or evidence of prior attempts to resolve or notify me of the debt. Additionally, the absence of an accurate high balance and the arbitrary comments raise doubt about the validity of this account 's information. 

Child Support Account XXXX Date Opened XX/XX/2023XX/XX/year> Unpaid Balance : {$8600.00} Current Rating : Collection/Charge-off Comments : Account Seriously Past Due and Assigned to Attorney or Collection Agency Similar to the first account, this listing reflects an outstanding balance without corroborative history or lawful support. The alleged collection status contradicts actual payment efforts and fails to accurately represent my creditworthiness. No detailed payment record, historical balance, or application of funds is provided, further casting doubt on the account 's legitimacy. 

These inaccuracies violate the FCRA requirements, as the FCRA mandates that information on consumer reports be fair, accurate, and substantiated. The discrepancies in both accountsincluding their inflated balances, ambiguous comments, and inconsistent collection actionsdemonstrate the inaccuracies. Therefore, I am requesting the immediate removal of these child support entries from my report under FCRA Section 611 for inaccuracy and incompleteness.

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 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: CA

Complaint narrative:
Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information on Credit Report - Account # : XXXX To Whom It May Concern, I am writing to formally dispute inaccuracies and inconsistencies I have identified on my Equifax credit report regarding the account identified above. Per the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax investigate and correct the following inaccuracies. The FCRA mandates that information reported on consumer credit reports must be accurate, verifiable, and timely. 

Inaccuracies and Discrepancies to Address : XXXX. Account Opening Date Discrepancy Reported Date Opened : XX/XX/XXXX Other Bureau Discrepancy : XXXX shows XX/XX/XXXX as the date opened. 
This discrepancy raises questions regarding the accuracy of this accounts initial reporting. [ FCRA Section 609 ( 15 U.S.C. 1681g ) ] provides me the right to dispute and request verification. 
2. High Credit Amount Inconsistency Equifax Reported High Credit : {$0.00} XXXX Reported High Credit : {$3700.00} This large discrepancy between the bureaus does not accurately reflect my account history and is misleading. [ FCRA Section 623 ( 15 U.S.C. 1681s-2 ) ] requires that furnishers of information, such as credit card companies, provide accurate data to credit reporting agencies. 
XXXX. Date Last Active Inconsistency Reported Date Last Active by Equifax : XX/XX/XXXX Discrepancy with Other Bureau : XXXX shows XX/XX/XXXX as the date last active. 
This discrepancy significantly affects the reports accuracy, and under [ FCRA Section 611 ( 15 U.S.C. 1681i ) ], I have the right to request correction of this inaccurate information. 
XXXX. Comment Discrepancies and Current Status The comment Consumer disputes- reinvestigation in progress and Amount in XXXX XXXXolumn is credit limit suggest an ongoing dispute. Additionally, the account status reflects Derogatory with a Collection/Chargeoff payment status. I would like verification and correction of these details if they are inaccurate, as required by [ FCRA Section 605 ( 15 U.S.C. 1681c ) ] regarding the reporting period and accuracy of derogatory items. 

I request that Equifax conduct a thorough investigation of these items, correct any inaccuracies, and update my credit report accordingly. Please send confirmation of these corrections or the investigations outcome to my address listed above. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation