vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My Citibank account has been compromised from XXXX XXXX. 
Balance is approximately {$4.00} XXXX. This is a single name account with NO authorized person 's. 
I'm a victim of Identity Theft/Fraud for the past 3 years. Otherwise known as takeover fraud/theft. 

All of my identifying information & legal documents were stolen from my house. 

All of my asset 's are technically blocked/erased/hacked by Cyber Criminals. 

These individuals originate out of XXXX and XXXX Florida. They are a group of people that have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

They know things about me going back to my childhood. They know where I worked, names of friends & family, vacation destinations, home addresses, etc. I don't know them personally & I don't have any dealings business or otherwise in XXXX or XXXX Florida. 

My long standing bank accounts & brokerage accounts are currently not on XXXX XXXX under my name, Social Security number & birthdate. 

For example XXXX XXXX XXXXXXXX has {$7.00} XXXX, Citibank has {$4.00} XXXX & XXXX XXXX XXXX was approximately {>= $1,000,000} I have a list of names of people involved. They have threatened me, harassed me, XXXX me for the past years in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It has continued here in XXXX. 

While I was in Texas I filed 10 police reports for Identity Theft/fraud, bank theft/fraud, credit card theft/fraud and death threats & several FBI Ic3 reports. Sheriff report filed in Florida XX/XX/XXXX. 

I believe the terminology used is " Erased '' Identity/takeover, Identity Theft/fraud. 

I've filed several complaints with the FTC, Ic3 FBI online systems, most recent : FTC XX/XX/XXXX ref # XXXX FTC XX/XX/XXXX ref # XXXX FBI XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX CA. 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 2024-01-13 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: U.S. BANCORP
State: CA

Complaint narrative:
XXXX HAS REPORTED US BANK CLOSED MY ACCOUNT UNDER DEROGTORY CIRCUMSTANCES & I CAN NOT OPEN AN ACCOUNT WITH ANY BANK NOW NOR XXXX  US BANK HAVE THE RIGHT TO CLOSE MY ACCOUNTS DUE TO THE INFORMATION PROVIDED WAS INCOMPLETE, IE IDENTIFY THEFT & FRUAD.I SUBMITTED THE AFFIDAVIT TO XXXX WITH THE INFORMATION REQUSTED.

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 monetary relief
Consumer complaint received 2024-01-13 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: Self Financial Inc.
State: AZ

Complaint narrative:
I want my credit cleared because I was paying to fix it last year and it is legal to report transaction history. Self won't let me cancel my account and I am getting ready to buy a house but it keeps reporting inaccuracies, and it's lowering my score dramatically. A charge which is a certificate of indictment, which means it is income and must be removed. Also Every 30 days they should let me opt out, but they don't. I would like you to please clear off everything reporting incorrectly on my credit because it is effecting my life and lowering my living standards. I appreciate your time for addressing all these concerns. Thank you very much and have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: AZ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$210.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$210.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX : {$2700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$210.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-01-13 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 am writing to dispute the following information that you are providing on my credit report : XXXX days late payments. 

For starters You have been billing me incorrectly since XX/XX/2023. You have charged for me fraudulent charges and failed to remove all of the charges after I opened a claim. As you are aware all charges with balances create interest which Im forced to pay. I have written multiple letters for this to be corrected. The billing error has finally been updated XX/XX/2023. Which is also when you reported inaccurately late payments. XXXX, Equifax and XXXX shows that you state that there was not a payment made in XXXX or XXXX. That is False. Your rep stated that I made a {$70.00} payment on my account in XX/XX/2023. However I also made a {$280.00} payment and XXXX credited my account an additional {$81.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am writing to dispute the following information that you are providing on my credit report : 30-60 days late payments. 

For starters You have been billing me incorrectly since XX/XX/2023. You have charged for me fraudulent charges and failed to remove all of the charges after I opened a claim. As you are aware all charges with balances create interest which Im forced to pay. I have written multiple letters for this to be corrected. The billing error has finally been updated XX/XX/2023. Which is also when you reported inaccurately late payments. XXXX, XXXX and XXXX shows that you state that there was not a payment made in XXXX or XXXX. That is False. Your rep stated that I made a {$70.00} payment on my account in XX/XX/2023. However I also made a {$280.00} payment and Discover credited my account an additional {$81.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-13 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: OK

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX Account # XXXX, XXXX, has violated my rights. 

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 State a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Dispute Regarding XXXX XXXX Account Number XXXX Dear Transunion I am writing to dispute the inclusion of XXXX XXXX account number XXXX on my TransUnion credit report. I believe my identity has been compromised, and I want to bring to your attention the discrepancy in reporting among the credit bureaus. 

All other credit bureaus, including XXXX, have promptly removed the negative account from my credit profile upon investigation. I have evidence to support this resolution. However, TransUnion has not responded within a reasonable timeframe, exceeding 30 days for their investigation. 

Given that XXXX has already taken corrective action, I urge TransUnion to expedite the removal of the contested account from my credit report immediately. Your swift attention to this matter is crucial in rectifying the impact on my credit standing. 

Thank you for your prompt assistance in resolving this identity theft issue. 

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 non-monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Dispute Regarding XXXX XXXX XXXX  Number XXXX Dear XXXX I am writing to dispute the inclusion of XXXX XXXX account number XXXX on my XXXX credit report. I believe my identity has been compromised, and I want to bring to your attention the discrepancy in reporting among the credit bureaus. 

All other credit bureaus, including XXXX, have promptly removed the negative account from my credit profile upon investigation. I have evidence to support this resolution. However, XXXX has not responded within a reasonable timeframe, exceeding 30 days for their investigation. 

Given that XXXX has already taken corrective action, I urge XXXX to expedite the removal of the contested account from my credit report immediately. Your swift attention to this matter is crucial in rectifying the impact on my credit standing. 

Thank you for your prompt assistance in resolving this identity theft issue. 

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 non-monetary relief
Consumer complaint received 2024-01-13 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: AZ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-13 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 am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2024-01-13 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: AZ

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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$6300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX  XXXX Balance XXXX {$1300.00} XXXX XXXX  Balance : {$6300.00} XXXXXXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$37000.00} XXXX XXXX Balance : {$6900.00} XXXXXXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXXXXXX Balance XXXX {$6300.00} XXXXXXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$37000.00} XXXX XXXX Balance : {$6900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sent a letter requesting the method of validation and proof of validation. I have not received a response from Kohls. Kohls is reporting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-13 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:
XXXX, XXXX, and Equifax on or around XX/XX/ responded to my letters without following FCRA guidelines. They were unable to verify the accounts on my consumer reports with my signature within 30 days. 

XXXXXXXX XXXX XXXX AMMOUNT : {$69000.00} ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX  AMMOUNT : {$750.00} ( XXXX XXXXXXXX XXXX XXXXS LATE PAYMENTS NEEDS TO BE REMOVE REASON : 15 U.S CODE 1681a- ( i ) report containing information solely as transactions or experiences between the consumer and the person making the report. 



INQUIRIES NEED TO BE REMOVED. I DID NOT AUTHORIZED THEM. THESE COMPANIES DID NOT PROVIDE AND SIGNATURES SHOWING THIS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 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:
XXXX, Experian, and XXXX on or around XXXX responded to my letters without following FCRA guidelines. They were unable to verify the accounts on my consumer reports with my signature within 30 days. 

XXXXXXXX XXXX XXXX AMMOUNT : {$69000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  AMMOUNT : {$750.00} ( XXXX XXXX XXXX XXXX LATE PAYMENTS NEEDS TO BE REMOVE REASON : 15 U.S CODE 1681a- ( i ) report containing information solely as transactions or experiences between the consumer and the person making the report.

INQUIRIES NEED TO BE REMOVED. I DID NOT AUTHORIZED THEM. THESE COMPANIES DID NOT PROVIDE AND SIGNATURES SHOWING THIS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 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: NY

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: PA

Complaint narrative:
This serves as my follow-up submission complaint concerning my prior complaint dated XX/XX/XXXX. I am eagerly awaiting an update and the removal of specified items from my credit reports. I anticipate that the items listed in this follow-up complaint will be expunged from my credit reports within the next 15 days. Additionally, I have re-attached my FTC report with reference # XXXX for your reference. The following items are those I expect to be removed from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, PA 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 2024-01-13 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: PA

Complaint narrative:
This serves as my follow-up submission complaint concerning my prior complaint dated XXXX I am eagerly awaiting an update and the removal of specified items from my credit reports. I anticipate that the items listed in this follow-up complaint will be expunged from my credit reports within the next 15 days. Additionally, I have re-attached my FTC report with reference # XXXX for your reference. The following items are those I expect to be removed from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : US DEPARTMENT OF EDU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 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: AZ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I discovered upon logging into my online account at Equifax that credit freeze I placed previously has been lifted without my authorization. An agent stated that someone with my personal information called in and made a verbal request to lift a credit freeze. Also made an update on my fraud alert to remove my primary phone number from the alert system. The agent was able to escalate the case to upper team to further investigate but did not provide any solution to further protect my account. I asked for extra layers of security such as two step authentication or verbal password but they denied such services are not available.

Company response to consumer: Closed with explanation