vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
This complaint is in response to my former complaint, which you sent me an email to log into and submit my opinion on. AND EXACTLY WHY IS THIS ISSUE NOW CONSIDERED RESOLVED? IT HAS NOT BEEN FIXED, OR EVEN ADDRESSED! You allowed Citibank to respond. However, it does not appear to me that they were forthcoming or honest, YET YOU ACCEPTED THEIR RESPONSE AS FINAL. Citibank claims I have been logging in to their site late, and on days much later than I actually logged in, and that I have been submitting my payment late to them every month. First of all, this is preposterous! When I first discovered all the late fees and contacted Citibank, they admitted that, Oh, well that payment was submitted on a Friday afternoon after XXXX, so it didnt post until Monday, or Oh, well that was because Monday was a holiday, or Oh, well that was because the post office was shut down for bad weather. They initially admitted TO ME ON A RECORDED LINE all of these reasons why my payment was not applied for XXXX days. THEN, when I asked for a refund on all the late charges, THAT was when Citibank started claiming I hadnt logged in to their site and paid until days later than I actually did. I dont know if they werent processing the payments until late or what the issue was, but they were doing this every month. I INVITE YOU TO * PLEASE * PULL MY CREDIT!!!!! I have XXXX ( XXXX ) other credit cards besides my Best Buy Citibank card, and NOT ONE OF THEM HAS WVER BEEN LATE!!!!! I have NEVER had a late fee on ANY OF THESE OTHER CARDS!!!!! NOT IN XXXX YEARS! I have an XXXX credit score. THIS SHOULD BE ALL YOU NEED TO SEE TO RECOGNIZE THAT THERE IS A PROBLEM HERE!!!!! I have several bills, including my Citibank card, my mortgage, and my student loans, that are due on the XXXX of the month. EVERY payment to these bills is made from my last paycheck of the previous month, usually falling on the next-to last day or last day of the month. I pay ALL of those bills AT THE SAME TIME! NONE OF THOSE OTHER BILLS HAVE EVER BEEN LATE! NOT ONCE!!!! THE ONLY BILL PAID AT THIS TIME ( WHICH IS BEFORE THE DUE DATE ) THAT KEEPS BEING HELD AND CLAIMING TO BE LATE IS CITIBANK!!!!! I do not know what they are doing, but it is not right and you are allowing them to do this by not addressing it! SO IN RESPONSE TO YOUR EMAIL, NO, THIS ISSUE HAS NOT BEEN RESOLVED TO MY SATISFACTION!!!! CITIBANK NEEDS TO REFUND ALL OF THESE LATE FEES IT CHARGED ME, AND IT NEEDS TO STOP ENGAGING IN WHATEVER PRACTICE IT IS ENGAGING IN TO OBTAIN THESE LATE FEES!

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 monetary relief
Consumer complaint received 2025-04-06 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX  XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
I filed a dispute with chime on XX/XX/year> and for 10 days they did not have an update about my dispute. Well today they deneid my dispute because provisional credit was suppose to be issued tomorrow. They keep giving me all these scripted lines of why it got denied and all of that but I also sent in documentation and they didnt even look at that because as soon as I got off the phone with them the claim got denied. They are misleading and promises provisonal credit and deny you so they want have to give it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I had numerous account that were bought by XXXX XXXX  that were bought with negligence to the original contract. The issue began when I became hospitalized on a continuous basis and asked them to work with me on payments. Numerous times I asked for a deferment, explained my hardship and asked to see the original contract to see if there were any protections in place, due to XXXX. I was ignored every one of those times, the balance continued to grow and gain interest and my account was closed. Though the account was closed, they are still adding interest. This comes after years of good standing with the institutions, without even as much as a late payment on the account. I surely expected some sort of results when seeking help. But I was never sent an original contract to see my rights, I was never offered a deferment or hardship and instead I was just thrown away as a bad debt. There must be laws in place to protect Veteran 's like myself whom become completely XXXX and face the hardship of inability to pay. This information should have been provided, instead of requests ignored. XXXX bought the debt and continues to harass me to collect the debt when I was never given deferred arrangements or hardship options by the original creditor, as stated in the terms of credit. XXXX will also not provide the original contract from any of the creditors in whom they are trying to collect debt on. XXXX is predatory on Veteran 's and I can only assume anyone that faces XXXX. Requests are continually ignored with only statements provided and NOT THE ORIGINAL CONTRACT that states that XXXX options should have been provided from the original creditors to begin with.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
Access to my funds like trustmark national Bank I have account with em I can't withdraw my funds I can't get into XXXX XXXX XXXXXXXX XXXX XXXX all other banks I'm having problems with

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 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
A payment was Zelle to a person in my contacts by mistake and the person would not give the payment back and the bank ( XXXX XXXX ) /Zelle would not return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got victim on my identity, theft credit card debit card housing collections all other things

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc.
State: AR

Complaint narrative:
I recently filed a complaint with the CFPB regarding an account with Consumer Portfolio Services that I am on a joint loan agreement. The did not provide a resolution to my complaint and it was closed with the CFPB. Consumer Portfolios Services, I am writing to formally request information regarding the handling of my credit information in light of the following legal regulations : USC Code 1666B, 12 USC Code 1673A ( A ), CMI Furnishing and Congressional Findings, 15 USC Code 1681 ( XI ), 15 USC Code 1666b, and 12 CFR 1026.13. Please provide me with notification of any documentation signed and proof that authorization was granted to each credit bureau. Proof that documents were mailed to the address, as I have never received a copy of the agreement or contract with your agency or the dealership. I have reached out to your company directly but have yet to receive a response upon requesting the documents with my signature via email/mail upon purchasing which is also a violation. As a co-signer on the joint loan agreement, I adhere to the law and have never allowed or authorized your company to release this information pertaining to my credit with any credit bureau/monitoring agency . Please provide this information within 15 days due to the nature of the concerns and severity this has caused to my life. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Equifax has deleted XXXX XXXX  now its back showing 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 non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Hello, I opened a new Citi Bank Strata Premier credit card, and travelled with it and used it in XXXX XXXX. When I received my first statement, and under the rewards section, where they count and multiply the rewards points I noticed that under the Restaurant category there were no rewards, even though I used the card and spent money on restaurants, and the transactions listed in the statement, but the bank misleading customers and do not count them as Restaurants transactions. 
I called the bank on XX/XX/XXXX and talked to a supervisor with the name XXXX from the XXXX, and the answer he gave that these transactions the bank categorise them as Catering.

Example of transactions in the statement : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have 5 other credit cards, and never encountered with something like that!

The bank mislead and manipulate customers to save money. 
I have never heard that XXXX stopped becoming a restaurant and just doing catering, and on the other I never understood when the restaurant introduced itself a restaurant as in the case of the transaction XXXX XXXX XXXX XXXX and in the transaction itself stating RESTAURANT, and the bank insisted to put it under catering.

I have the feeling this Citi bank is coming from other planet ( Maybe Mars ) and never saw XXXX or understood the word restaurant when it is printed black on white in the statement!

Regards

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 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
In XXXX of XXXX  I had a XXXX  account and had money that came from XXXX funds transfered to the XXXX  account. When I attempted to transfer the money to another bank of mine XXXX  froze my account and claimed I had to wait 180 days to get my money. I waited that 180 days and they still claimed I went against user agreement that they was not going to give me my money. I read the user agreements that was active at that time and I didn't go against them at all. It is almost {$11000.00} dollars they have stollen from me. I believe it's {$10000.00} if I remember right. But they act like they can do this to people and nothing can be done about it. This is stealing. They should be in prison for it. But their getting away with. Is there anything that I can do to get my money moved from XXXX  into my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: TX

Complaint narrative:
I am submitting this complaint to dispute a collection account that has been reported to the credit bureaus and is being pursued by a debt collector. I am not familiar with this account, have never authorized it, and have no contractual relationship with the original creditor or the collection agency. 
Additionally, I noticed several hard inquiries on my credit report that I did not initiate, authorize, or consent to. These inquiries are damaging my credit score and were made without my permission.

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 2025-04-06 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: CORELOGIC INC
State: FL

Complaint narrative:
XXXX XXXXXX/XX/XXXX Someone went into to XXXX and filled out application in my name without proper identification or social security number. When I contacted XXXX they said that it was an attempt to commit fraud using my name. 

There are XXXX inquiries on my credit history that did not provide any services for me. These mortgage companies ran my credit workout my knowledge or permission. I want these inquiries removed from my credit report immediately. Thank you. 

Plus this one that I couldn't add before because there were not enough drop boxes to add it. 

CORELOGIC CREDCO XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
in XX/XX/year> I deposited a large check into my chase business bank account, the check was not made out to the full name of my company, only part of it. Chase bank then froze the check and my account on grounds of needing to be able to verify it they were unable to do so using their conventional means because the check was made from an llc that did not have the owners phone number on the filing. we then asked the bank to return the funds to the owner of the check but they were unwilling to do so, they then closed my account and held the money and were unwilling to release the funds unless they were able to verify that it was intended for me through the means that they use. we tried many other ways to prove to them that it was intended for me such as having the issuing bank verify the transaction, as well as multiple documents proving who the owner of the llc is, but they were unwilling to accept any of it, or return the funds to the issuer. we have now updated the filing of the llc to include the owners phone number but they are still not willing to accept it because in their system they can not find it, despite it being an official government document. so as of now they have still not released the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 non-monetary relief