vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed my credit card acccount during the pandemic, and seized my baluable reward points I had accumulated on the card! 

XXXX XXXX credit cardholders have had their credit limits slashed or their credit cards closed in just the first XXXX months of 2021. This happened to XXXX out of XXXX credit cardholders, according to a report by online financial marketplace XXXX XXXX. 

It's due to banks reducing their risks during the Coronavirus pandemic, and it has hurt millions of consumers - like me - by lessening their XXXX scores by often XXXX or more points. 

To make matters even worse, in my specific case, my Citibank ThankYou Preferred card was closed abruptly by the bank. I received a curt letter in the mail advising me of the closure. What was NOT addressed in that letter were the XXXX ThankYou Points that were in my account. 

These are points that I earned, belonged to me, and could be used for airline trips, retail purchases, hotel stays, etc. They are valuable, and Citibank confiscated them with little notice and without providing me an option to spend them, redeem them, or transfer them. They just commandeered them. 

It was a pure greed XXXX by Citibank of my personal property that I earned and owned. And, I'm pretty sure they did this to hundreds of thousands of their customers. 

I believe the Federal government must intervene on behalf of the consumer public on these personal property XXXX. Please assist me and numerous others.

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 2022-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: IL

Complaint narrative:
I own a XXXX flat on the north side of XXXX Illinois. During the pandemic my tennents were experiencing a hard time paying their rent due to reduced paychecks. At that time I had XXXX XXXX XXXX as my mortgage provider. I applied and got forbearance on my loan. I was told that I could get a loan modification at the end of the forbearance.This process dragged on forever and in XX/XX/2022 my loan was sold to Selene Finance. I again started the process of a loan modification with Selene Finance. Once again I was met with mass inconsistencies. I filed for the modification twice and each time I was denied, I am currently appealing their latest decision. Because of the time consuming process I am currently in the midst of a foreclosure. I feel that they are conducting fraudulent practices.They were suppose to provide me with determination my XX/XX/2022 but did not receive it til XX/XX/2022 when the letter was dated XX/XX/2022. All their correspondence is received late with little or no time to react. In my opinion that is not a coincidence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My fico score ( credit ) is way below what it should be.couldn '' t get corrected

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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax XXXX XXXX XXXX has my student loans showing $ XXXX higher on their Equifax side. XXXX is correct. XXXX XXXX & Equifax is far from being correct! They refuse to fix it!! Ive been going through this for months! They keep blaming EACH Other. I have screenshots of all the chats where they refuse to help & blame a non existent creditor- that shutdown a decade ago and they blamed Each other everytime! I am on the verge of filing a lawsuit on XXXX XXXX XXXX Equifax! They are reporting XXXX accounts listed for XXXX. XXXX has all those accounts and have for quite a few years!! I have filed dispute after dispute, NOTHING, Ive called! NOTHING! XXXX has already told them that they are the ones who have all these accounts, and that they have duplicates listed! This has went on since XX/XX/2022! Today I called on my recent dispute & realized some worker or the system changed my address to a very old address?? EQUIFAX & XXXX XXXX  ARE LISTING VERY INACCURATE INFORMATION! What do I do- other than file a lawsuit??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
EXPERIAN VIOLATION 15 USC 1681(c)-2. EXPERIAN IS CONTINUING TO REPORT AND POST FRAUDULENT ACCOUNTS ON THE CONSUMERS PROFILE DESPITE REPEAT REQUESTS AND COOPERATION.

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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE FRUADULENT AND NEED TO BE REMOVED NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
This complaint is being made by me there is no third party involved. I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e., title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached, and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist. Furthermore, they are also in violation of the Graham Leach Billy Act 15 U.S. Codes section XXXX XXXX has removed the fraudulent inaccurate addresses and email address on my consumer report but has failed to comply with the Fair Credit Reporting Act and remove the fraudulent in accurate account from XXXX from my consumer report. If this fraudulent an accurate account is not removed from my consumer report within four days as required by the FCRA, I will file a lawsuit for damages for civil liability for willful noncompliance. pursuant to 15 U.S.C 1681n. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Indeed, no more than an affidavit is necessary to make the prima facie case. United States v. Kis, 658 F.2nd, 526, 536 ( 7th Cir. 1981 ) ; Cert Denied, 50 U.S. L.W. 2169 ;

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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XXXX {$11000.00} XXXX XXXX XXXXXXXX Account Closed Last Updated : XX/XX/2022 Credit Usage no knowledge of any closed account for XXXX, XXXX noone is responding to me, my credit score was XXXX 6 months ago and all of a sudden i have XXXX late payments from companies and accounts i dont know of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
I had all but two disputes with this bank before they abruptly closed my account! All because of what -- Because they completely screwed up both disputes and I called them out on it and demanded they reopen them and handle them properly and appropriately?? Absurd!! The one dispute ( XXXX ) they went in the merchant 's favor after I told them that the merchant closed my account and would not allow me to return the merchandise. With the other one ( XXXX ), after I clearly labeled the type of dispute as " Merchandise was defective '' and not only told them but showed them proof that the merchant refused the return, TWICE, they emailed me on XX/XX/XXXX stating, '' Unfortunately, we are unable to move forward with the dispute as we do not have dispute rights because the merchandise was kept and not returned. Additionally, we are required to allow time for the merchant to resolve the matter on their end. '' Absolutely absurd!!! Clearly whoever handled my dispute doesn't know what they're doing whatsoever and should be demoted if not fired... So after I emailed them and called them out on the lousy way they treated my dispute, I received an email on the XXXX which states, " I've escalated your appeal to our disputes team for further review. We will contact you should we need any additional information or the issue is resolved. '' Two days later I receive an email stating they closed my account!! What is wrong with these people?!? I could really care less if they reopen my account or not. But they need to reopen my disputes and handle them the way they should be handled or else I will file small claims suit against them for the funds...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
im trying to work on this when i moved alot mine and my daughters stuff was stolen shes only XXXX yrs and are unware of this debt and how could be here shes under age im very worried about this now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX XXXX I am a natural person and a consumer filing this complaint. DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME. THIS IS MY SECOND ATTEMPT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Commonwealth Financial Systems , Inc. has added to my credit report a collections for two amounts, One being for {$1200.00} and the other for {$1400.00}. I never received anything info which would allow me to right to dispute this claim. This is violations of FDCPA. And also violations of HIPPA since this is a claimed medical debt that I have no knowledge about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently checked my credit report and I seen some inquiries that I do not recognize from XXXX on the dates of XX/XX/21, XX/XX/21, XX/XX/21 I do not recognize these. Please investigate and provide me with the original copy with my original signature for all the dates to provide proof I do not recall these inquiries please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX {$11000.00} XXXX XXXX XXXX Account Closed Last Updated : XX/XX/2022 Credit Usage no knowledge of any closed account for XXXX, XXXX noone is responding to me, my credit score was XXXX 6 months ago and all of a sudden i have XXXX late payments from companies and accounts i dont know of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX {$11000.00} XXXX XXXX XXXX Account Closed Last Updated : XX/XX/2022 Credit Usage no knowledge of any closed account for XXXX, XXXX noone is responding to me, my credit score was XXXX XXXX  months ago and all of a sudden i have XXXX late payments from companies and accounts i dont know of

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX {$11000.00} XXXX XXXX XXXX Account Closed Last Updated : XX/XX/2022 Credit Usage no knowledge of any closed account for XXXX, XXXX noone is responding to me, my credit score was XXXX 6 months ago and all of a sudden i have XXXX late payments from companies and accounts i dont know of

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, 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 not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open.

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 2022-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i have problems they stole my identity and they opened a bank account with capital one 360 leaving a negative balance of {$2600.00} this account was fraudulently opened a few years ago and i tried to get capital one to help me and they didn't this affects me because i tried to request a product of themselves and they don't approve of me because of this negative account in their system. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Financial Assistance Inc
State: NV

Complaint narrative:
no idea of any new company, i was sick with XXXX  for a year and a half and all these accounts pop up XXXX Updated XX/XX/2022 Current Balance {$360.00} Original Balance {$360.00} Additional Information Responsibility Individual Remarks Placed for collection Creditor Name XXXX XXXX XXXX  Contact XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Incorrect credit limit ( says {$1100.00}, actually over {$3500.00} ) creating artificially high utilization ratio which is decreasing credit score and creating undue financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE AND I HAVE FIGHTING THIS MATTER ALL YEAR AND DEBTS ARE BEING VALIDATED IN WHICH DONT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hi. I contacted XXXX, XXXX, and Trans Union regarding the reporting of inaccurate information that each of said companies are currently reporting incorrectly.

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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hi. I contacted XXXX, Experian, and XXXX XXXX regarding the reporting of inaccurate information that each of said companies are currently reporting incorrectly.

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 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX I am a natural person and a consumer filing this complaint. DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME. THIS IS MY SECOND ATTEMPT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I mailed a certified letter to the XXXX XXXX Court XXXX XXXX of Michigan. In my letter I requested that they provide me with the process and/or procedure they follow to verify records regarding bankruptcies, and if they supplied the information to the credit bureaus. I received a letter response from the Bankruptcy Court stating, they do not report individual bankruptcy case filing data to credit reporting agencies, nor do they update information directly to the credit bureaus. '' With that being said ; how did the credit bureaus verify the bankruptcy? According to the 15 USC 1681, my rights have been continuously violated : 15 USC 1681 ( a ) ( e ) : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

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

Company response to consumer: Closed with explanation