vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-03-22 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: CA

Complaint narrative:
These accounts were charged off on the following date XXXX of XXXX. This account is also being updated as a collection on my report as if the account is still open from XX/XX/XXXX - XX/XX/XXXX and reporting a balance of {$230.00} and {$490.00} when the account should be XXXX due to the account being a collection account. The account status is also stats that its open with XXXX and XXXX but stats closed with EXPERIAN which is also inaccurate. NONE of the information under my report matches. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXXXXXX XXXX, EXPERIAN, XXXX, and XXXX  are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : EXPERIAN Account name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXXXXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
To whom it may concern On Friday, XX/XX/2023 I was part of an intense scam, where I was promised a loan. The person claimed they were from XXXX XXXX, which is a legit company I was sent documents to sign He made a mobile deposit in the amount of {$1200.00} which was not authorized by me. I was told to go to XXXX and purchase XXXX XXXX in the amount of {$750.00}. I was only able to purchase one for XXXX $ He told me my funds would be in my bank account the next day, however, the next day my account was on fraud block, the man disconnected the phone and nobody here at citi is able to give me an update as to what my checking account balance is because they claim it is closed due to me, not having a savings account open violating terms. 

I was just paid on Friday, XX/XX/2023 in the amount of XXXX and something dollars I cant log into my payroll unless Im at work. But the amount was XXXX and something dollars. 

The man took out the money he put in and also removed more of my money .Every time I call citi fraud department Im transferred over and over and over again nobodys able to give me any information only that my account being closed for a savings account issue. Told me they cant access my account balance. I have not made any purchases on this day other then the XXXX XXXX XXXX I was told to buy. 

Ive attempted to report the fraud issue and not getting anywhere. I have no access to any money Citibank is the only bank I had. I emailed Citi as well attached fake documents and XXXX XXXX that I had to purchase and receipt from XXXX. also attached the mobile deposit in which I did not authorize in the amount XXXX $ I contacted the attorney Generals office and reported the scam. I also contacted my state department for fraud scams. 

Please see that this is immediately looked into. My account is now closed for a supposed savings fund issue but Im reporting fraud. As nobody will take my fraud call and says my account is closed.

For savings fund issue. Where there is an actual fraud issue.

Im unable to obtain any information from them and they continue to say my account will be closed and I have no access to my money or any money. They say any funds will be mailed to me in 30-60 days. I have spoken to every department and get nowhere. 

Thank you. 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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I requested that following addresses be removed as I have been a victim of fraud : XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX MD XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD I also requested to have my former employer removed due to fraud ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC 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 2024-03-22 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: MD

Complaint narrative:
I requested that following addresses be removed as I have been a victim of fraud : XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD I also requested to have my former employer removed due to fraud ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX DC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-22 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: GA

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE NOR DO I HAVE ANY AFFILIATION WITH. I CONTACTED THE CREDIT BUREUAS REQUESTING VERIFICATION, AND THIS ACCOUNT IS UNVERIFIABLE. 
THIS ACCOUNT BE FURNISHED TO MY PROFILE IS SEVERLY AFFECTING MY CREDIT. 

I HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS ACCOUNT OR CREDIT INQUIRIES TO BE REPORTED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURNISHING FRAUDULENT ACCOUNT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: GA

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE NOR DO I HAVE ANY AFFILIATION WITH. I CONTACTED THE CREDIT BUREUAS REQUESTING VERIFICATION, AND THIS ACCOUNT IS UNVERIFIABLE. 
THIS ACCOUNT BE FURNISHED TO MY PROFILE IS SEVERLY AFFECTING MY CREDIT. 

I HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS ACCOUNT OR CREDIT INQUIRIES TO BE REPORTED WHICH IS IN VIOLATION OF 15 USC 1681.

FURNISHING FRAUDULENT ACCOUNT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX account The late payment being reported are in violation of 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15 U.S. Code 1666b - Timing of payments The timing of required information is from this company is not received within 21 days. 
XXXX XXXX credit bureau By definition an open end consumer credit plan is XX/XX/2022 Open-end credit is revolving credit that allows you to continually access money as you make payments and only pay interest on what you use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
Goldman sacah bank is showing an open account with a balance of {$6300.00} when the account should be closed. I do not have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: CO

Complaint narrative:
I looked at my account on XXXX of XXXX, and noticed some things are incomplete and not accurate as far my credit reporting on all three credit bureau. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow procedures to assure maximum possible accuracy of the information concerning the individual, about whom the report relates. 

The account from XXXX XXXX is showing as inaccurate balance when its closed. 
Account Number XXXX XXXX XXXX XXXX Account was paid off on XX/XX/XXXX of {$780.00} As of XX/XX/XXXX account was closed, meaning I couldn't have used the credit card any time after it was closed. 
As of XX/XX/XXXX balance came to {$0.00} Now all of a sudden I have a balance of {$1000.00}, that I don't know of.

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 2024-03-22 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I looked at my account on XXXX of XXXX, and noticed some things are incomplete and not accurate as far my credit reporting on all three credit bureau. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow procedures to assure maximum possible accuracy of the information concerning the individual, about whom the report relates. 

The account from XXXX XXXX is showing as inaccurate balance when its closed. 
Account Number XXXX XXXX XXXX XXXX Account was paid off on XX/XX/XXXX of {$780.00} As of XX/XX/XXXX account was closed, meaning I couldn't have used the credit card any time after it was closed. 
As of XX/XX/XXXX balance came to {$0.00} Now all of a sudden I have a balance of {$1000.00}, that I don't know of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit reports and I noticed an inaccurate late payment with my account. I do not recall being late on this account because I always pay my bills on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit reports and I noticed an inaccurate late payment with my account. I do not recall being late on this account because I always pay my bills on time.

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 2024-03-22 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: IL

Complaint narrative:
I am writing to dispute the accuracy of information contained within my credit report and to bring to your attention the apparent violations of the Fair Credit Reporting Act ( FCRA ) by your bureau. Despite multiple attempts to address discrepancies in my credit report, I have received no response from your bureau, which is a clear violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: NC

Complaint narrative:
Attached are my IRS 1099c Copy B forms for XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX All three accounts will be updated to paid on time in full, as agreed upon immediately. The only address that should be listed on my credit report is XXXX XXXX XXXX XXXX, XXXX North Carolina XXXX, All other addresses shall be removed they are not my address and are non-mailable addresses which is defined as mail fraud. See attached utility statement and Passport I.D . Card for Identity and address verification. Lastly per 15 USC 1666B, 12 CRF 1026.13, and the CFPB Timing of Payments ; A Creditor may not treat any payment as late on an open-end credit plan account for any purpose ; meaning The XXXX XXXX credit card open-end plan account on my report shall be removed immediately you are in violation of the law. Furthermore, a write-off/charged-off is considered income and per the Department of Treasury ( IRS ) website income can be reported on credit reports. The XXXX XXXX and all other charge-offs are to be removed immediately.

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