vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My Wells Fargo XXXX account was compromised. XXXX amounts : {$4200.00}, {$4200.00} and {$4100.00} were transferred to unknown recipients. The first one ( {$4200.00} ) on XX/XX/year> was caught by WF and stopped. Over the subsequent week, 2 others were made. When the 3rd payment was made, I called 4 hours after ( it was made at 3AM ) and told them that it was not me. They said they would do their best to get my money back. WF is now telling me that these transfers were made via biometrics by me or someone close to me- which was not the case. WF moved the remaining money to a different account. I changed all the passwords and was issued new cards. Tried to escalate with the fraud protection hotline and they refused. I do not understand why WF allowed subsequent transactions to be put through after they found the first to be fraudelent.

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 2024-11-13 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: MI

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of my Michigan child support account on my Experian credit report. According to my records, this account has been fully paid and closed with no remaining balance. Despite this, Experian continues to report the account with a past-due balance and a seriously delinquent status, which is both inaccurate and harmful to my credit profile. This erroneous reporting is causing significant hardship, impacting my creditworthiness, and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. Per FCRA regulations, Experian is required to maintain accurate reporting, and if verification can not substantiate this debt as delinquent.

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 2024-11-13 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
Im a victim of identity theft. I filed for a POLICE REPORT, FTC report and complained to the better business bureau as well as CFPB. I sent my documents to SECURITY CREDIT SERVICES and they have not responded.

I will be taking legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NY

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$650.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$360.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$620.00} INQUIRIES : ==== XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-11-13 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: Consumer Portfolio Services, Inc.
State: NJ

Complaint narrative:
Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX Creditor Name : XXXX XXXX XXXXXXXX  Inquiry Date : XXXX XXXX Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XXXX XXXX Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX Creditor Name : XXXX Inquiry XXXX : XXXX XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XXXX Creditor Name : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry XXXX : XXXX XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XXXX These inquiries were not authorized by me and do not reflect any credit application or consent on my part. Under the Fair Credit Reporting Act, you are required to ensure that only authorized inquiries appear on my report. Therefore, I am requesting thats these inquiries be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd.
State: NJ

Complaint narrative:
Hello and good day, I cant express enough how frustrating and overwhelming this has been. Imagine waking up one day to find out you suddenly have a debt you know nothing aboutunverified and not yours. On top of that, being harassed nonstop across different communication platforms with various tactics is beyond stressful. I never imagined starting my day with threats of legal action. As someone who respects the law, it's incredibly insulting to have my rights as a consumer so blatantly violated. The stress is affecting my mental health, and Ive been struggling with sleepless nights for days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE HELP ME AS THESE FRAUDULENT ACCOUNTS ARE ABSOLUTELY NOT MINE. PLEASE HELP TAKE THESE OFF 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 2024-11-13 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: CA

Complaint narrative:
This account was charged off : Since then, the date of last activity has been inconsistently updated on XXXX the date last active is ( XX/XX/XXXX ), on XXXX it is ( XX/XX/XXXX ) and on Equifax, its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
This account was charged off : Since then, the date of last activity has been inconsistently updated on Experian the date last active is ( XX/XX/XXXX ), on XXXX it is ( XX/XX/XXXX ) and on XXXX, its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my 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 2024-11-13 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: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Reporting by Department of EducationXXXX on My Credit Profile Dear Consumer Financial Protection Bureau , I am reaching out to request assistance with a credit reporting issue concerning the Department of EducationXXXX . My credit report shows inconsistent and incorrect information across the three major credit bureaus regarding the same account which is negatively affecting my credit profile.

The inaccuracies Ive identified are as follows : 1. **Inconsistent Payment Status Reporting** : The account reports as current/terms met in XXXX and XX/XX/year>. However, in XX/XX/year>, it suddenly reports as 90 days past due, without prior indication of delinquency, which seems inaccurate given that XXXX and XXXX were marked as current. 

2. XXXX 2018 XXXX Late Reporting** : Similarly, the account reflects a XXXX late status in XX/XX/year>, despite reporting current/terms met both prior to and following this date. This inconsistency appears to be an error, as there is no logical progression to 90 days past due under these circumstances. 

3. **Discrepant Balance Reporting** : Each bureau is reporting a different balance for this account, with one showing {$2000.00}, another {$2500.00}, and the third {$1000.00}. The account was, in fact, paid in full and closed, and therefore, no balance should be reported at all. 

4. **Account Still Hurting My Credit Profile** : Since the account has been paid and closed, I am unsure why these negative marks remain on my report. The false late payments are particularly harmful to my credit profile and should be removed.

For a fair resolution, I respectfully request the CFPBs assistance in : 1. Having the Department of EducationXXXX correct or remove the inaccurate payment statuses, specifically the XXXX late entries in XX/XX/year> and XX/XX/year>, as they do not align with the account history. 
2. Removing any remaining balance from all reports, as the account is paid and closed.

3. Ensuring that my credit report accurately reflects a closed, paid account without late payment history, as any incorrect delinquency reporting is unjustly impacting my credit score.

Thank you for your time and assistance with this matter. I hope to reach a prompt and fair resolution. 

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 2024-11-13 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: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Reporting by Department of Education/XXXX on My Credit Profile Dear Consumer Financial Protection Bureau , I am reaching out to request assistance with a credit reporting issue concerning the Department of EducationXXXX . My credit report shows inconsistent and incorrect information across the three major credit bureaus regarding the same account which is negatively affecting my credit profile.

The inaccuracies Ive identified are as follows : 1. **Inconsistent Payment Status Reporting** : The account reports as current/terms met in XXXX and XX/XX/year>. However, in XX/XX/year>, it suddenly reports as 90 days past due, without prior indication of delinquency, which seems inaccurate given that XXXX and XXXX were marked as current. 

2. *XXXX 2018 XXXXDay Late Reporting** : Similarly, the account reflects a XXXX late status in XX/XX/year>, despite reporting current/terms met both prior to and following this date. This inconsistency appears to be an error, as there is no logical progression to 90 days past due under these circumstances. 

3. **Discrepant Balance Reporting** : Each bureau is reporting a different balance for this account, with one showing {$2000.00}, another {$2500.00}, and the third {$1000.00}. The account was, in fact, paid in full and closed, and therefore, no balance should be reported at all.

4. **Account Still Hurting My Credit Profile** : Since the account has been paid and closed, I am unsure why these negative marks remain on my report. The false late payments are particularly harmful to my credit profile and should be removed. 

For a fair resolution, I respectfully request the CFPBs assistance in : 1. Having the Department of EducationXXXX correct or remove the inaccurate payment statuses, specifically the XXXX-day late entries in XX/XX/year> and XX/XX/year>, as they do not align with the account history. 
2. Removing any remaining balance from all reports, as the account is paid and closed.

3. Ensuring that my credit report accurately reflects a closed, paid account without late payment history, as any incorrect delinquency reporting is unjustly impacting my credit score. 

Thank you for your time and assistance with this matter. I hope to reach a prompt and fair resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Reporting by Department of Education/XXXX on My Credit Profile Dear Consumer Financial Protection Bureau , I am reaching out to request assistance with a credit reporting issue concerning the Department of Education/XXXX . My credit report shows inconsistent and incorrect information across the three major credit bureaus regarding the same account which is negatively affecting my credit profile.

The inaccuracies Ive identified are as follows : 1. **Inconsistent Payment Status Reporting** : The account reports as current/terms met in XXXX and XX/XX/2018. However, in XX/XX/2018, it suddenly reports as 90 days past due, without prior indication of delinquency, which seems inaccurate given that XXXX and XXXX were marked as current. 

2. XXXX 2018 XXXX Late Reporting** : Similarly, the account reflects a XXXX-day late status in XX/XX/2018, despite reporting current/terms met both prior to and following this date. This inconsistency appears to be an error, as there is no logical progression to 90 days past due under these circumstances. 

3. **Discrepant Balance Reporting** : Each bureau is reporting a different balance for this account, with one showing {$2000.00}, another {$2500.00}, and the third {$1000.00}. The account was, in fact, paid in full and closed, and therefore, no balance should be reported at all.

4. **Account Still Hurting My Credit Profile** : Since the account has been paid and closed, I am unsure why these negative marks remain on my report. The false late payments are particularly harmful to my credit profile and should be removed.

For a fair resolution, I respectfully request the CFPBs assistance in : 1. Having the Department of EducationXXXX correct or remove the inaccurate payment statuses, specifically the XXXXday late entries in XX/XX/2018 and XX/XX/2018, as they do not align with the account history. 
2. Removing any remaining balance from all reports, as the account is paid and closed.

3. Ensuring that my credit report accurately reflects a closed, paid account without late payment history, as any incorrect delinquency reporting is unjustly impacting my credit score.

Thank you for your time and assistance with this matter. I hope to reach a prompt and fair resolution. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaints : I am writing to request and investigation of the following accounts I have NEVERED opened or use the accounts listed below " I'm requesting the following information to be deleted from my Early Warning report immediately I attached a copy of my report to this request. The accounts consist of a Bank account opened at : Bank Account : Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX, Bank Name : XXXXXXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX, Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX, Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : Bank Routing # : XXXX Account # : XXXX. 
XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
My name is XXXX XXXX, I received a letter on XX/XX/XXXX from a bank called Marcus by Goldman Sachs. 
The letter was an online savings account statement with a summary of my balance at XXXX dollars currently but the problem is that I did not open this account. It appears as the beginning balance started on XX/XX/year>, which I did not do myself. I reached out to Marcus identity theft department to notify them that this is a fraudulent account that I did not open. they started their investigation and one of the things that they need from my end was to notify the FTC department, which I did, but in the prompts to start a claim, I got transferred to you guys to make the claim here instead. I hope you guys can help me since this is very aggravating and annoying to know that someones out there falsely trying to use my information to open fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Subject : Request for Assistance with Closed Account at Citibank Due to Alleged Account Abuse Dear Consumer Financial Protection Bureau, I am seeking your assistance regarding a closed account with Citibank. Recently, Citibank closed my account, citing account abuse as the reason. I was not informed of any specific actions that led to this decision, nor was I given prior warning or information on what constituted account abuse. I have reached out to Citibank for clarification but have not received a clear explanation of the specific reasons behind this action. 

Additionally, Citibank is now requesting payment from me in order to consider reopening my account or to potentially resolve the outstanding balance. Without understanding the basis of their decision, I am concerned about moving forward with payment, as I want to ensure that my financial rights are protected. 

Please let me know if any additional information is required to help resolve this matter. I am hopeful that with your guidance, Citibank will provide transparency around this decision, allowing us to reach a fair and mutually acceptable solution. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: AL

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

Company response to consumer: Closed with non-monetary relief