vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Today, Wed XX/XX/2024, I went to a citibank XXXX to order a cashier 's check in the amount for {$48000.00} to pay for a car I bought. I provided my ID and went through all the verification process they asked me to, including receiving a pin to confirm my email and another with my phone number. the agency asked me to call customer service to do the verification again, which I did from the agency. After almost an hour, the bank refused to issue to cashiers check, claiming security concerns. Yesterday, Tuesday XX/XX/XXXX I funded the account by transfering {$50000.00} from one of my other accounts and the money is in the account, however I'm unable to access it. I was able to talk to the dealer and I wrote a personal check instead of the cashier 's check. I called customer service twice to ensure the cash would be paid and to my surprise the representative said the check would not be paid and I'm unable to even withdraw cash on an ATM. 

This is my money, that I won through honest and hard work and by making investments on the stock market. A bank should not have the right to sequester my money and not give me an explanation on why they are doing this. This account also has my paycheck direct deposit, which means any money that gets into the account is unaccessible to me and I won't be able to cover my living expenses, and I won't be able to change the direct deposit for the next XXXX weeks. Their customer services representative were not helpful, and at the agency one of the employees said the bank has the right to withold my money and not explain why, which if it is true makes me wonder how and why we trust the banking system. I'm now having concerns that Citibank is facing liquidity issues and is trying to avoid withdraws. They are saying a response from their teams will take between 24 to 48 hours, which doesn't assure I will have access to 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 non-monetary relief
Consumer complaint received 2024-01-03 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: AZ

Complaint narrative:
I was a victim of XXXX data breach my reports are showing innacuracies and need to be removed from credit report I did not reside at this location. 

I have attached the screen shot from my credit report a long with screen shot of my data being sold and traded without my consent.

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 2024-01-03 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-01-03 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: IL

Complaint narrative:
I have recently reviewed my credit report and have found inquiries on my file that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXL XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$22000.00}.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$22000.00}.

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 2024-01-03 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$22000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: CA

Complaint narrative:
I am filing this complaint after receiving and reviewing a copy of my credit report. I noticed there are fraudulent inquiries listed on my credit report.

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 2024-01-03 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: CA

Complaint narrative:
I am filing this complaint after receiving and reviewing a copy of my credit report. I noticed there are fraudulent inquiries listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After my home was broken into, theres been multiple requests for new credit accounts that do not actually belong to me. Ive been working to get this matter resolved. I have not applied for any new credit. 
I have new inquiries from - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I have never applied for any credit through these creditors and I am demanding that these inquiries be removed from my credit report instantly or I will pursue legal action. 

Also, there are false addessss that need to be removed from my credit report as I only reside at one address. Please remove the following addresses from my credit report and send me a copy of my new credit file once completed. 
XXXX XXXX XXXXXXXX XXXX should be removed from my credit file XXXX XXXX XXXX should be removed from my credit file

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 2024-01-03 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: CA

Complaint narrative:
TRANSUNION HAS REPORTED INACCURATE INFORMATION ON MY CREDIT REPORT SINCE XX/XX/2023 FILE NUMBER XXXX THEY NEED TO UPDATE MY NAME THE MIDDLE NAME IS INACCURATE REMOVE XXXX XXXXXXXX REMOVE OLD TELEPHONE NUMBERS 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 2024-01-03 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: AZ

Complaint narrative:
I was a victim of Equifax data breach my reports are showing innacuracies and need to be removed from credit report I did not reside at this location. 

I have attached the screen shot from my credit report a long with screen shot of my data being sold and traded without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was a victim of XXXX data breach my reports are showing innacuracies and need to be removed from credit report I did not reside at this location. 

I have attached the screen shot from my credit report a long with screen shot of my data being sold and traded without my consent.

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 2024-01-03 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: IL

Complaint narrative:
recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I have no knowledge of the following inquiries, neither did I authorize them. please remove/delete them from my credit report, as pursuant to 15 U.S.C 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act. 

XXXX XXXX on behalf of XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX on behalf of XXXX XXXX XXXXXXXX DBA XXXX XXXX  XX/XX/XXXX. 
XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XX/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 2024-01-03 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: IL

Complaint narrative:
I am writing to express my dissatisfaction with the handling of my credit report by your agency. I have identified multiple instances where there have been unsuccessful attempts to remove late closed accounts, including bankruptcy and public records, from my credit history. I am concerned about the accuracy and completeness of my credit report, and I believe that these errors are negatively impacting my creditworthiness.

Despite multiple attempts to rectify and remove the late closed status, the account continues to be reported inaccurately.

Despite submitting necessary documentation to demonstrate the resolution of the bankruptcy, the record persists on my credit report.

I have attached supporting documentation, including letters of dispute and evidence of resolution, for your review. I kindly request that your agency conduct a thorough investigation into these matters and promptly update my credit report to accurately reflect my financial history.

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report. I expect your agency to adhere to these regulations and take the necessary steps to correct these inaccuracies promptly.

Additionally, I would appreciate regular updates on the progress of the investigation and the actions taken to rectify these errors. Please provide a written response within 30 days of receiving this complaint, as mandated by the FCRA. I am asking for your assistance to remove these items in my credit file : XXXX XXXX XXXX Balance : {$1100.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX XXXX Balance : {$2200.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
XXXX XXXX XXXX Balance : {$0.00} - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 
XXXX XXXX Bankruptcy Reference # : XXXX XXXX : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: FL

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, and I demand their prompt deletion. The inclusion of these unauthorized entries severely impacts my creditworthiness and tarnishes my financial reputation. I expect your immediate and unwavering cooperation in rectifying this matter. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

I have recently reviewed my credit report obtained from your bureau and was appalled to discover several accounts that I can confirm are fraudulent and unauthorized. The information associated with these accounts is inaccurate and has been damaging my credit score, causing me significant distress.

The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am formally disputing the validity of these accounts and demand their immediate removal from my credit report. It is imperative that you conduct a thorough investigation into these matters and rectify the inaccuracies promptly. Failing to do so within the legally mandated time frame will leave me with no choice but to pursue legal action against your bureau for negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ). 

I have attached supporting documentation, including a police report and any other relevant evidence, to substantiate my claim of fraudulent activity. I trust that you will take this matter seriously and act swiftly to rectify the inaccuracies on my credit report. 

I expect a written response within 30 days, confirming the removal of the fraudulent accounts and providing an updated and accurate credit report. Failure to comply will leave me with no option but to escalate this matter to the appropriate regulatory authorities.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've asked XXXX and EXPERIAN Credit Bureau for validation. The {$6200.00} owed by the client isn't accurate since XXXX send me a Supplemental refund of monthly service fees on closed checking accounts letter on XX/XX/2023. I've requested evidence to confirm the negative account they're reporting on my credit profile, such as an acknowledged agreement and transaction history detailing the balance calculation. Despite my requests, they've declined to provide any documentation verifying this account. Instead, they've chosen to include this unconfirmed debt on my credit report.

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