vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX, my personal and business checking account was compromised by an individual in Kansas and North Carolina trying to cash a fraudulent business check, at the same time another individual attempted to remove money from personal bank account, both at XXXXXXXX XXXX XXXX XXXX froze all my bank accounts that were tied to Bill Pay through XXXX. XXXX froze all the payments to all the credit cards, which included Citi Costco Visa and Citi Double Cash. I called both Citi Costco and Citi Double Cash to inform both institutions that my bank accounts were frozen due to an attempt by individuals to remove money from my bank accounts, and that I was a victim of fraud.

Both Citi Costco and Citi Double Cash immediately closed my accounts, and representatives stated that in order to determine the reason for Citi closing my account was to wait for the mail. Not only did Citi close my accounts they also removed all my cash back points WITHOUT informing me before closing my account, denying me any amount of rewards on both the Citi Double Cash and the Citi Costco cars.

As a VICTIM OF FRAUD, I have been frustrated and disappointed at how Citi treats customers that have been defrauded or had an attempt to defraud business and personal bank accounts. 

The reason that was provided to me by Citi in their letter dated XX/XX/2023, was " ... a recent review of your account shows one or more late or returned payments in the past six months on this or another related account. '' In addition to the letter issued on XX/XX/2023 from Citi Double Cash informing me that they closed my account, they also sent a separate letter stating " We're unable to reopen your account '', that " ..we 're unable to approve this request because your account history showed one or more late or returned payment ( s ) in the past six months ''. 

I am being PENALIZED by Citi even though I explained that I was the victim of fraud, and no amount of calls to Citi would consider this as a valid explanation as to why there were missed payments due to the bank and XXXX freezing the accounts due to FRAUD attempts I made attempts to speak to supervisors in the customer service and in the rewards department only to be passed around several times, and to land back at customer service who, reading from a script, kept informing me that all my rewards points were removed when my account was closed. 

This is pure blatant abuse by Citi!

I have been a long time customer of Citi, with both Citi Costco and Citi Double Cash and that my payment history and my excellent credit score speaks for itself. To treat long time customers with good credit that were victimized by fraud in a manner that is degrading, insulting, appalling, and shameful.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted this company over 2 years ago and opted out of them sharing my information and now I am still receiving denials based on their fraudulent unauthorized information. They are providing risk analysis to landlords without my authorization and they have yet to show what is in my report and why.

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 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I attempted to withdrawl {$110.00} from my Chase checking account at the Chase ATM on XX/XX/, Funds were not dispensed and i was given a receipt with a message that said " We aren't able to give cash right now. '' The funds were immediately taken from my account. I decided to go into the chase branch and explain the situation. they told me to call customer service. I called them within 20 minutes and they explained I would be given a temporary credit pending investigation within a few hours. after a few hours I called back and was told it takes 24 hours. i called back daily and eventually was credited on the XXXX XXXX XXXX XXXX the temproary credit was taken back and chase had closed the investigation claiming I authorized the transaction. I called back and explained I never disputed authortizing it. I disputed receieving the funds. they told me i'd have to go into a chase branch and have them fax a copy of the receipt the machine dispensed. I went ahead and did that on the XXXX. I called back and they said the case would be re-opened within 48 hours. It's now XX/XX/XXXX. I called to see why the case has not been re-opened. they explained to me it wouldn't be re-opened because it was already closed and if I had submitted evidence it would be reviewed within 24 hours. I explained it had been over 24 hours and they said I should receieve an alert tomorrow. 

I don't trust them anymore. I'm very disgruntled and i'm behind on bills because of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and I'd like to file a complaint against Equifax, XXXX and XXXX and all the secondary bureaus. Under the provisions made by the Fair Credit Reporting Act, I have the right to accurate reporting of any and all information pertaining to me. 
With that being said, I'm requesting that : The : Dismissed Bankrupcy that is showing on all 3 bureaus be deleted immediately. This information is inacurrate and can not be verified. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: OR

Complaint narrative:
XX/XX/XXXX received email for autopay feature. Applied. 
XXXX XXXX log in to see if I owe, it says I will have my auto payment drawn XX/XX/XXXX. I log out. 
XX/XX/XXXX I apply for a credit card and XXXX in disbelief and panic when I see my credit score has gone down over XXXX points. 
XX/XX/XXXX I log into Ed financial and see auto pay has not been paying, but claims it is set up. 
XX/XX/XXXX I then make the payment right away manually. The website insists I have auto pay? 
XX/XX/XXXX I send an email requesting for assistance in fixing my credit score as well as confusion as to why auto pay doesnt work. I relay that I have never encountered an issue with auto pay in my life. 
XX/XX/XXXX I submit a complaint/ case XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I have recently received a copy of my credit report. The report had an account listed from your company as a credit card. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified. 
1. FDCPA section XXXX violation misleading false reporting XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Account was paid XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
I am writing this letter to you in an effort to get this removed. Please delete your information from my credit reports. I have never had an account with your company. If someone has opened an account in my name, please close it immediately before further harm is done. 
I am requesting that you notify all of credit bureaus that this account is " disputed '' or that you delete this account until this matter is resolved. This is required by the Fair Credit Reporting Act. 
If there is any paperwork that I need to sign to confirm that this account is not mine, please send me the required documents. 
This is a written dispute of the this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 
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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
Aspire credit card sent mail regarding to increase monthly fee and mentioned on the letter that I can object to the charges with stipulation I should make full payment of the credit Then I made calls and tried to settle payment system and paid expected amount to avoid fee. 
However it was also agreed ( per conversation with customer service supervisor at that time that if I pay this coming month certain amount ( approximately {$160.00} something ). 
I thought we resolved the situation by trying to do payment but then I received email demanding payment more than what customer service representative told me with those increased fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: FL

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-19 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19 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: FL

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 XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: CA

Complaint narrative:
Lexisnexis has violated my rights as a consumer under state and federal laws. They are sharing my personal information without my written permission. Even if they share my information negligently, they are in violation because my private information is federally protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to you with an overwhelming sense of urgency and frustration regarding the fraudulent and negative accounts that have surfaced on my credit report. It has come to my attention that my identity has been compromised, leading to the inclusion of unauthorized and erroneous information on my credit history. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests I must emphasize the severity of this situation. I am a victim of identity theft, and it is both disheartening and infuriating that my credit report, a document integral to my financial well-being, has been tainted with fraudulent accounts. This is a blatant violation of my privacy and an egregious error that demands immediate and aggressive attention. 

XXXX XXXX - FRAUD, PLEASE DELETE!!!!!! 
XXXXXXXX XXXX XXXXXXXX - FRAUD, PLEASE DELETE!!!!!! 
XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXXXXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I can not stress enough the urgency of this matter. Identity theft is a serious crime, and the inclusion of these fraudulent accounts on my credit report has the potential to cause irreparable harm to my financial standing. Failure to address this issue immediately will leave me with no option but to escalate this matter to the highest authorities, including reporting your lack of swift action to regulatory bodies and seeking legal counsel. 

I expect your full cooperation and an aggressive resolution to this matter within 10 days of your receipt of this letter. I will not tolerate any further delays, excuses, or negligence in rectifying this grave injustice. 
Consider this letter a final warning before I take all necessary actions to protect my rights as a consumer and victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-19 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-19 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2023 four fraudulent transactions took place between two of my accounts. Immediately before these transactions occurred, I received a call from a Chase bank number ( XXXX ) XXXX that was very suspicious. I gave out no personal information, but they informed me that my card had been compromised and a new card would be sent to me. A Chase private banker later told me that they had no log of this call on their end. Immediately after this suspicious call these transactions occurred : XX/XX/XXXX {$1200.00} Withdrawal from checking {$200.00} ATM Withdrawal from checking {$900.00} XXXX XXXX {$1000.00} Withdrawal from my savings I left town on XX/XX/XXXX to play a music festival in XXXX, AZ and didn't recognize the transactions until XX/XX/XXXX. I then immediately reported the fraud to Chase the next morning. On XX/XX/XXXX, Chase reimbursed me the {$200.00} transaction, which took place at the same location as the other fraudulent transactions within the same timeframe, but denied my other three claims ( all around {$1000.00} ). I submitted a complaint with them, and on XX/XX/XXXX they denied my complaint. I then had them open an investigation with their claim department, and on XX/XX/XXXX, they informed me that the investigation was over and they still denied the claim. They provided me no information about their investigation and have been extremely dismissive since then.

Company response to consumer: Closed with explanation