vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I sent a {$16000.00} XXXX to Citibank , N.A . on XX/XX/year> for the benefit of XXXX XXXX XXXX to pay for my son 's tuition at the University XXXX XXXX ( XXXX XXXX ). 

For no apparent reason, Citibank rejected the wire and returned {$16000.00} ( subtracting a {$40.00} fee ). My attempts to resolve this through XXXX XXXX XXXX have been unsuccessful. XXXX claims that Citibank can not research the matter without having the XXXX for the transfer. But there would only be a XXXX when the payment is an international wire through the XXXX system. This was a domestic wire through the XXXX system, and I have provided them with the Fed reference number. But still they claim Citibank insists on receiving a ( non-existent ) UETR. 

The tuition was paid in a different manner. All I want is a refund of the {$40.00} fee Citibank charged me in error. Thank 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 explanation
Consumer complaint received 2025-03-18 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-03-18 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: IL

Complaint narrative:
I recently submitted a request for an investigation regarding certain disputed accounts, as I believed the Credit Bureaus did not properly handle my dispute. Upon reviewing the records from the Credit Bureaus, it is clear that their investigation was inaccurate. Since the investigation was conducted improperly, I demand that the Credit Bureau immediately correct and update the following accounts in my file : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
I recently contacted Experian, I am a victim of identity theft. Experian is reporting fraudulent addresses and a XXXX account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : TRIDENTAM Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : TRIDENTAM Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
My complaint is against XXXX and Synchrony Bank regarding the reallocation of payment made on XXXX XXXX, I completed a payment of {$600.00}, which they applied XXXX to my regular account and XXXX to my promotional account. I receive a reminder email from XXXX, letting me know that my promotional balance needs to be paid in full by XX/XX/XXXX. I called XXXX on XX/XX/XXXX, and requested to reallocate my XXXX payment of {$600.00}, I ask to leave {$100.00} on my regular account and move {$500.00} to promotional, the representative informed me that wouldn't be a problem because I was within the 60 stated on statement to reallocate funds. I checked back on XX/XX/XXXX, the representative checked account and said that my account shows movement but what I requested was not completed, and she would resend request again to back office and give it until XX/XX/XXXX, on XX/XX/XXXX, I called back to make sure my payment had been reallocated correctly still not correct. the representative requested my allocation again. On XX/XX/XXXX, I contacted XXXX to ensure payment reallocation has been completed, and request reallocation of payment posted on XX/XX/XXXX, this is their policy, you have to call to have funds moved to promotional account. when I contacted XXXX regarding reallocation of my funds on my account my promotional balance was {$95000.00}, with me paying {$500.00} towards balance and additional {$50.00}, dollars XXXX and XXXX my current balance should be {$350.00}, they currently show my promotional balance currently at {$790.00}. If the promotional balance js not paid in full I will have to pay accrued interest from time of purchase XX/XX/XXXX, which is currently over XXXX XXXX dollars. I do not understand why my funds are not being applied as I have requested several times. My first request XX/XX/XXXX, was within XXXX 60 day reallocation which as yet to be completed. XXXX, actually sent me a letter stating the my request to reallocate my funds has been completed and it has not to date.

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 2025-03-18 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: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-18 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: MI

Complaint narrative:
eoscar is not investigating my disputes. 
RE : Formal Complaint Regarding Repeated Failure to Investigate Dispute - Account Number : XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX, and the unverified bankruptcy Dear Transunion Dispute Department, This letter serves as a formal complaint regarding your repeated failure to conduct a thorough and reasonable investigation into my dispute concerning an inaccurate trade line on my credit report. I have disputed the following account, account number [ Inaccurate Account Number ], approximately ten times, and each time, you have failed to properly investigate the accuracy of the information reported.

The inaccurate information reported is as follows : *The Bankruptcy is not verified. I called the court. Who did you speak to? JPMCB accounts listed have not been investigated, I know because there's still missing payment histories on all three listed accounts. XXXX  payment history is still inaccurate. You refuse to investigate my disputes. You Transunion are breaking the law.

documentation in support of my dispute : * copies of bank statements, FTC reports, other disputes on the accuracies Despite these submissions, you have repeatedly failed to : * Conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ).

* Contact the furnisher of the information to verify the accuracy of the disputed information. 
* Provide me with the results of a thorough investigation. 
* Remove the inaccurate information. 
Your failure to conduct a proper investigation constitutes a violation of the FCRA, specifically Section 611, which mandates that credit bureaus conduct a reasonable reinvestigation of disputed information. 
I am requesting that you : * Immediately conduct a thorough reinvestigation of the disputed account.

* Contact the furnisher of the information and obtain verification of the accuracy of the reported data.

* Provide me with written documentation of the results of your investigation, including the methods used and the information verified. 
* Delete the inaccurate trade line from my credit report immediately. 
I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you fail to take immediate action to resolve this matter. I also intend to pursue all available legal remedies to protect my rights under the FCRA. 
Please provide a written response to this complaint within 30 days, detailing the steps you have taken to address this matter. 
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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently submitted a request for an investigation regarding certain disputed accounts, as I believed the Credit Bureaus did not properly handle my dispute. Upon reviewing the records from the Credit Bureaus, it is clear that their investigation was inaccurate. Since the investigation was conducted improperly, I demand that the Credit Bureau immediately correct and update the following accounts in my file : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: MS

Complaint narrative:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX BALANCED {$1100.00} XXXX XXXX XXXX XXXX BALANCED {$960.00} XXXX XXXX BALANCED {$4500.00} XXXX  XXXX BALANCED {$8100.00} XXXX  XXXX BALANCED {$7300.00} XXXX XXXXXXXX BALANCED {$3200.00} XXXX XXXX XXXX {$1900.00} XXXXXXXX XXXX  XXXX BALANCED {$7100.00} XXXX XXXX  XXXX BALANCED {$0.00} In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.

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 2025-03-18 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:
It has been drawn out that Credit Bureau is 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. Here is the account that needs to be removed from my file : XXXX XXXX XXXX XXXX : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours, stating that the account is accuratewithout providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investiga
tion of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ). 
Given Equifaxs history of similar violations, I request that the CFPB take appropriate action to ensure Equifax complies with federal law and provides consumers with verifiable proof of a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
As per FCRA laws a credit reporting agency must report accurate and validated information. Transunion and XXXX have not done so, I have provided a copy of my title and the notarized payoff letter from XXXX XXXX proving that it is not only impossible to have this account charged off, but that even according to XXXX themselves, the account has never been late and overnight went into charge off after it had been paid off for 6 months prior. This is destroying my credit, and I have gotten nowhere with 2 of the 3 credit bureaus.

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 2025-03-18 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: CT

Complaint narrative:
As per FCRA laws a credit reporting agency must report accurate and validated information. XXXX and Experian have not done so, I have provided a copy of my title and the notarized payoff letter from XXXX XXXX proving that it is not only impossible to have this account charged off, but that even according to XXXX themselves, the account has never been late and overnight went into charge off after it had been paid off for 6 months prior. This is destroying my credit, and I have gotten nowhere with 2 of the 3 credit bureaus.

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 2025-03-18 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: CO

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXXXXXX XXXX XXXX - Opened XXXX XXXX XXXX  witha balance of {$0.00} account number XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX with a balance of {$0.00} account number XXXX XXXXXXXX XXXX XXXX XXXX - Opened XX/XX/XXXXXXXX  with a balance of {$0.00} account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and 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