vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
This is regarding CITI NRI account that was closed without my consent and funds missing. As of XX/XX/XXXX - INR  XXXX account balance. Citi had communicated tax documents to my mailing address, sent text messages when I made transactions and monthly statements to my email id. But regarding this account closure and funds, I only got an email as stated below and NO funds received to-date. 

Here is the summary of events that led this email to you all. 
XX/XX/XXXX - Regular monthly account statement. 
XX/XX/XXXX - An email stating my account is closed with no other information. I assumed it is a BOGUS email and ignored it. 
XX/XX/XXXX - An email stating a demand draft for my funds has been sent. I waited until XXXX for follow up. 
XX/XX/XXXX - Called Citi customer support who provided email id : XXXX and mentioned that all issues related to Citibank closure is actively being solved. 
XX/XX/XXXX - I sent an email and I got an automated email. 
XX/XX/XXXX - Email received asking for additional details on my account, email responded immediately. Customer support responded saying unable to determine the account and asked correct account information. Shared again. 
XX/XX/XXXX - Sent email again asking for follow up. This time response received stating - account is related to closed relationship and this time asked to send an email to " XXXX '' XX/XX/XXXX - Sent email with all the information to the new email id, no response. 
XX/XX/XXXX - Sent email again with all the information, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TX

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Throughout my many years of being a consumer with Bank of America, my checking account was charged extended overdraft fees on numerous occasions. Whenever incidents occurred, I called to complain. Some fees were partially refunded but, many were not. This caused me great hardship. I'm now learning that the bank 's practices were illegal to begin with. I'm currently going through my past bank statements. I see many occurrences and I'm just on years XXXX and XXXX. My overdraft fees doubled from {$35.00} to {$70.00} on numerous occasions.

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 2024-01-29 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: WI

Complaint narrative:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am extremely frustrated with the persistence of fraudulent accounts on my credit report. After filing an identity theft report on Identitytheft.gov, the associated bank confirmed the report 's validity and assured the immediate removal of the accounts. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX. I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete XXXX XXXX from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: CA

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: CA

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: 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 Items ( A ). It is not permissible to fail to validate these reporting Items 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 Balance : {$0.00} 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 2024-01-29 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: FL

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter of utmost urgency and concern regarding fraudulent accounts on my credit report. The impact on my creditworthiness has been severe, and I am seeking your immediate assistance in resolving this issue XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter of utmost urgency and concern regarding fraudulent accounts on my credit report. The impact on my creditworthiness has been severe, and I am seeking your immediate assistance in resolving this issue 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 2024-01-29 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:
See document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is a pubic record that remains on my XXXX report. It is not me or associated with me in any way. The address doesn't match any address I've ever lived. 
This is a mix up of records and is interfering with my ability to get 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 explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: AL

Complaint narrative:
I opened a credit building account with self credit card. After six months I was offered an credit card for XXXX after several payments on the building account and charged so many fee on my own money I decided to close the account. I was refunded a XXXX out of XXXX and was told I need to pay XXXX credit card. On the credit I put a XXXX of my money and they took XXXX XXXX of their money, total a XXXX credit card. I payed the card balance off and the company refuses to close the card. The self program want me to start a new account, I do not feel this card was being fair. After several attempts and several months they gave me a fee for XXXX. I have been trying to pay it off. It is up to XXXX in late fee. This card has reported to all three credit bureau to mess up my credit. They will not allow me to pay the balance. They want me to open a new account. They want me to.use my personal account information to pay off this balance. I tried to pay the balance off with prepaid card, it want allow. This is card is causing great harm to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 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 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Subject : Notice of Default and Credit Denial Dear American Express Customer Relations, I am writing to address the recent denial of my credit application with American Express and to bring to your attention a specific provision in your Inventor Trust Agreement that I believe is pertinent to my application. 

In reviewing the Inventor Trust Agreement, specifically Section 2.9 - Exchange and Registration of Transfer of Securities, it has come to my attention that my application is considered a security under this provision. I understand that the proper evaluation of creditworthiness is crucial, and I have carefully reviewed the terms and conditions associated with this section. 

Given the information provided in Section 2.9, I would like to highlight that my application should be considered within the framework of the agreement, and any denial should be thoroughly reviewed in accordance with the terms outlined in the Inventor Trust Agreement. 

I believe that my application has not been given due consideration in light of the mentioned section, and I am concerned that this denial may constitute a notice of default under the terms of the agreement. 

I kindly request a thorough reevaluation of my credit application, taking into account the relevant provisions in the

Inventor Trust Agreement. Additionally, I would appreciate any clarification on the reasons for the denial and any specific documentation or information required to remedy the situation.

I value my relationship with American Express and trust that this matter can be resolved amicably. Your prompt attention to this issue is greatly appreciated. 

Sincerely, XXXX XXXX, agent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow up to my previous complaints that I have repeatedly requested that EQUIFAX provide me my personal credit report. They have refused to provide this or release my credit information to me. I have included a copy of the letter that I sent to the credit bureau requesting my credit report as supporting documentation along with my copies of my personal identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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 requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: TX

Complaint narrative:
I am resubmitting this complaint today to provide a follow-up on my previous communication dated XX/XX/XXXX. As outlined in FCRA Section 605b, Credit Reporting Agencies are mandated to promptly remove any items listed on an identity theft report. Once again, I have attached relevant documents to facilitate the expeditious removal of erroneous information and unauthorized inquiries present on my credit reports, along with my recent FTC report # XXXX. Below is a list of items that do not pertain to me or were opened without my consent : -- -- -- -- -- 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  TRANSUNION : 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. In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items identified by the consumer as information resulting from an alleged identity theft, not later than four business days after the date of receipt.

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 2024-01-29 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: TX

Complaint narrative:
I am resubmitting this complaint today to provide a follow-up on my previous communication dated XX/XX/XXXX. As outlined in FCRA Section 605b, Credit Reporting Agencies are mandated to promptly remove any items listed on an identity theft report. Once again, I have attached relevant documents to facilitate the expeditious removal of erroneous information and unauthorized inquiries present on my credit reports, along with my recent FTC report # XXXX. Below is a list of items that do not pertain to me or were opened without my consent : -- -- -- -- -- 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  EQUIFAX : 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 In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items identified by the consumer as information resulting from an alleged identity theft, not later than four business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following accounts are fraudulent accounts which were NOT initiated be me. These accounts were initiated on the dates listed in a fraudulent manner. I am requesting that the following inquiries be REMOVED from my credit reports : XXXX XXXX, date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX Bank date XX/XX/XXXXXXXX XXXX XXXX XXXX date XXXX XXXX Cap XXXX date XXXX XXXX XXXX / XXXX XXXX date XX/XX/XXXX Cap XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX. Date XX/XX/XXXX Nowcom/westla financ date XX/XX/XXXX XXXX XXXX date  XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XXXXXX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX. Date ( No date listed ) XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX. Date XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX. Date XX/XX/XXXX XXXXXXXX XXXX date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX Date 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