vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened Citibank saving account on XX/XX/year> and deposited a XXXX cashier check of $ XXXX. I wired $ XXXX to XXXX on XX/XX/year>. I withdrew $ XXXX from my XXXX 60 days rollover IRA and wired to Citibank on XX/XX/year> which then wired to XXXX on XX/XX/year>. I transferred $ XXXX each from XXXX to Citibank on XX/XX/year> and XXXX closed early XXXX CD, combining with other child support checks and deposited a total of {$150000.00} to Citibank on XXXX tried to wire XXXX time to XXXX on XX/XX/year> but XXXX wasn't approved, and the account was blocked later on the same day. I came to Citibank at another location and asked for a cashier check. I was told that my account was blocked and subjected to closure within XXXX days. I told them that I could not wait this long because the fund is a part of consolidated funds that need to be returned to IRA account before deadline to avoid penalty and tax.They told me to call the fraudulent department which I called over the next few days and received the same answer that I have to wait for XXXX days to receive the remaining balance in the mail. I then proceeded to file a complaint with Citibank XXXX XXXX XXXX ( XXXX ) on XX/XX/year>, reference # XXXX, requesting for expedite process due to returning funds to IRA before deadline. The case was assigned to Ally, contact # XXXX ext XXXX. I email XXXX XXXX of XXXX and XXXX bank statements to XXXX to prove all transactions on XX/XX/year> and informed them of XXXX wires from friend, $ XXXX each, on XX/XX/year>, hoping these would help to resolve the issue quickly. I contacted XXXX on XX/XX/year> for follow up on the complaint. XXXX said that she receive a response from fraudulent department who could not rescind my account, and I have to wait for the account to fully settle, no claim to the account for XXXX days. ally said the account was determined for closure because I violated consumer account in Citibank client manual. I have no idea which terms I violated for conducting international wires for investment in my family business. 

in summary I would like to request for an immediate release of my total fund {$220000.00}. Please help me to resolve the issue as soon as possible so I can return the fund to IRA account, pay bills, property tax and contractors, avoiding credit problems and any late fees.

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 2024-11-19 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:
I am writing to formally inform you that I am a victim of a data breach, which has led to unauthorized credit inquiries being reported on my credit file. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent inquiry from my credit report. 
Fraudulent Inquiry to Be Deleted : Creditor Name : XXXX XXXX  Date of Inquiry : 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 2024-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On numerous occasions, I have tried to communicate to the creditor in XXXX, XXXX and XX/XX/XXXX, as well as the reporting agencies that my credit report is showing that I was late on my monthly payment for XXXX, XXXX and XXXX of XXXX. I was coming out of forbearance, and my loan modification contract agreement was adjusted for me to start my first payment on XXXX XXXX, XXXX, per my agreement letter attached. I am requesting that these " late payment '' statements be reviewed as soon as possible and corrected and deleted.

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 2024-11-19 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: IL

Complaint narrative:
I am filing this complaint because TransUnion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the maximum possible accuracy of my credit report and to conduct a reasonable reinvestigation of disputed information, as required under Section 611 ( 1681i ). 
On XXXX XXXX XXXX I received a credit report from TransUnion, reference number # XXXX, which includes an account from XXXXXXXX XXXX XXXX XXXXXXXX ). While the account was marked as " updated, '' significant discrepancies remain unresolved. These inaccuracies negatively impact my credit profile and compromise the integrity of my credit report. 
The following discrepancies have been identified : Date Opened : Inconsistent dates. TransUnion reports XX/XX/XXXXXXXX while XXXX and XXXX report XX/XX/XXXXXXXX 
High Credit Amount : Discrepancies in the high credit amount. TransUnion and XXXX report {$2600.00}, while XXXX reports {$2500.00}. 
Credit Limit : Inaccurate credit limit. TransUnion and XXXX report {$2500.00}, while XXXX reports {$0.00}. 
Payment Status : Differences in the " 60 days late '' status reported across the bureaus. 
Last Reported Date : Dates do not match. 
Date Last Active : Inconsistent dates. TransUnion reports XX/XX/XXXX, while XXXX and XXXX report XX/XX/XXXXXXXX 
Date of Last Payment : Variation in reported dates. TransUnion and XXXX report XX/XX/XXXXXXXX while XXXX shows XX/XX/XXXXXXXX 
Despite these discrepancies, TransUnion has failed to : Provide a detailed description of the procedures used to verify this information. 
Identify the name, address, and telephone number of any person or entity contacted regarding this account. 
Present any documentation bearing my signature to validate the reported information. 
Additionally, TransUnion has relied on automated systems, such as e-OSCAR, for verification, which is insufficient for a thorough reinvestigation under the FCRA. I also filed a formal complaint with the Federal Trade Commission ( FTC ) regarding this matter, identified as FTC Report Number XXXX, to further document TransUnions non-compliance. 
Impact of the Issue : These unresolved inaccuracies are damaging my credit score, harming my financial reputation, and causing significant stress and financial hardship. TransUnions negligence has created barriers to accessing financial products on fair terms, undermining my ability to manage my finances effectively.

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 2024-11-19 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: IL

Complaint narrative:
I am filing this complaint because TransUnion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the maximum possible accuracy of my credit report and to conduct a reasonable reinvestigation of disputed information, as required under Section 611 ( 1681i ). 
On XX/XX/XXXX, I received a credit report from TransUnion, reference number # XXXX, which includes an account from XXXX XXXX XXXX XXXX  ). While the account was marked as " updated, '' significant discrepancies remain unresolved. These inaccuracies negatively impact my credit profile and compromise the integrity of my credit report. 
The following discrepancies have been identified : Date Opened : Inconsistent dates. TransUnion reports XX/XX/XXXXXXXX while XXXX and XXXX report XX/XX/XXXXXXXX 
High Credit Amount : Discrepancies in the high credit amount. TransUnion and XXXX report {$2600.00}, while XXXX reports {$2500.00}. 
Credit Limit : Inaccurate credit limit. TransUnion and XXXX report {$2500.00}, while XXXX reports {$0.00}. 
Payment Status : Differences in the " 60 days late '' status reported across the bureaus.

Last Reported Date : Dates do not match. 
Date Last Active : Inconsistent dates. TransUnion reports XXXX while XXXX and XXXX report XX/XX/XXXXXXXX 
Date of Last Payment : Variation in reported dates. TransUnion and XXXX report XXXX while XXXX shows XX/XX/XXXXXXXX 
Despite these discrepancies, TransUnion has failed to : Provide a detailed description of the procedures used to verify this information. 
Identify the name, address, and telephone number of any person or entity contacted regarding this account. 
Present any documentation bearing my signature to validate the reported information. 
Additionally, TransUnion has relied on automated systems, such as e-OSCAR, for verification, which is insufficient for a thorough reinvestigation under the FCRA. I also filed a formal complaint with the Federal Trade Commission ( FTC ) regarding this matter, identified as FTC Report Number XXXX, to further document TransUnions non-compliance. 
Impact of the Issue : These unresolved inaccuracies are damaging my credit score, harming my financial reputation, and causing significant stress and financial hardship. TransUnions negligence has created barriers to accessing financial products on fair terms, undermining my ability to manage my finances effectively.

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 2024-11-19 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 non-monetary relief
Consumer complaint received 2024-11-19 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AXOS FINANCIAL, INC.
State: IL

Complaint narrative:
Subject : Formal Complaint Against Axos Bank Failure to Validate Debt Dear CFPB Representative, Complainant Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Contact : XXXX XXXX XXXX Complaint Details : On XXXX XXXX XXXX I sent a formal debt validation and cease-and-desist letter to Axos Bank regarding an account they claim I owe ( Account Number : XXXX ). The letter requested written validation of the debt, including : Proof of my responsibility for the debt ( e.g., a signed contract ). 
Evidence of assignment or ownership of the debt by Axos Bank. 
A breakdown of the alleged amount owed. 

I provided all necessary identification and documentation to verify my identity and prove my dispute was legitimate. However, Axos Bank has failed to respond or provide the requested validation, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Issues with Axos Bank : XXXX. Axos Bank has failed to provide any debt validation, as required under the FDCPA. 
XXXX. Despite my formal dispute, the account remains inaccurately reported on my credit file. 
XXXX. XXXX has already removed this account due to lack of verification, yet Axos Bank continues to allow the debt to be reported to other credit bureaus without proper validation. 

Timeline of Dispute Efforts : XX/XX/year> : Sent debt validation letter to Axos Bank. Proof of mailing and letter attached. 
XX/XX/scrub>XXXX XXXX XXXX Received no response from Axos Bank, despite the legal requirement to validate the debt under the FDCPA. 

Legal Violations : XXXX. FDCPA Section 809 ( b ) : Axos Bank failed to validate the debt within a reasonable timeframe, as required by law, before continuing collection activity or credit reporting. 
XXXX. FCRA Section 623 : Axos Bank has failed to ensure the accuracy of information reported to credit bureaus. 

Requested Resolution : XXXX. Axos Bank must immediately cease all reporting of this account to credit bureaus unless full validation of the debt is provided. 
XXXX. Axos Bank must provide written validation of the debt, including all requested documentation, within 30 days. 
XXXX. If Axos Bank can not validate the debt, it must ensure the account is permanently removed from all credit reporting agencies. 

I have attached the following documents for your review : A copy of my original debt validation letter to Axos Bank. 
Proof of mailing. 
Correspondence related to my XXXX dispute and account removal. 

I respectfully request the CFPB to intervene and ensure Axos Bank complies with federal regulations. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance un
der 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: KS

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft resulting from a data breach. 
As a result, several unauthorized accounts and inquiries have been reported on my credit file.

Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit report immediately : Fraudulent Accounts : XXXX. XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$22000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$28000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: KS

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft resulting from a data breach.

As a result, several unauthorized accounts and inquiries have been reported on my credit file.

Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit report immediately : Fraudulent Accounts : XXXX. XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$18000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Unauthorized Inquiries : 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 2024-11-19 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: NY

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit repor have requested that they provide the purchase agreement to show full ownership of such account and also other document so I May review to see if this is actually an account that belongs to me thanks.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-19 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-19 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: MD

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-11-19 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: MD

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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