vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-15 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: PA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( 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. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXXm requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX Citibank decided to closed out my card, On that day I was hung by 4 times by your investigation team, I also was told that my account was being closed due to multiple claims that I have open, I have 3 fraud claims that were open and closed out in my favor, I have 3 disputes with merchants due to the merchants claiming that they have refunded me and I haven't recieved a refund also on XXXX my card was decline by citibank for my glasses that I purchased I Used another card to pay for set purchase, then on XXXX I contacted the fraud team the same fraud team that closed out my account due to blocks being on my card 5 times my card was swiped with XXXX and they all declined I have to use another card I provided you guys with receipts showing my card was charged with another card, now told XX/XX/XXXX I receive a letter in mail telling me that the provesional credit that was given was not in my favor and y'all took the money out my account this is the XXXX time every time I sent receipts to Citi via email XXXX or fax they never receive it, there a charge that I was charge for with target didn't even make the charge but apparently whoever used my card return stuff and the claim got denied due I sent letters back letting y'all know that the charge was fraud no still its being deemed as I made, so when I contacted Citibank I was made aware the y'all back office team is the one the closed out my account and they are the one that are trying to legitimize my account too see if it was me that put all money in my account, I have made every single cash deposit, I have made every single check deposit which is 2 which was the check that was deposited in my name and also the one that was deposited in my account for my business and didn't know that I couldn't deposit the check the check was in my business name and I didn't know that I couldn't deposit this so Im not understanding why my account is being closed there is no reason to close out my account, I have recording go how these agents are talking to me I have recording on how they blaming everybody instead of taking accountability for what is happen my account is being closed for no reason and now they want verify if my funds are mine excuse me all funds are mine I feel very discriminated against and I feel this is wrong

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 2023-07-15 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I had 4 fraudulent charges to my Barclay Credit Card in XX/XX/2023. The charges started around XXXX XXXX. I informed them of the charge and they said they were sending new card and closing the card. Af few days later I go purchase alerts for {$60.00} XXXX XXXX in XXXX on XXXX XXXX. I called and informed them of the fraud charge as well as the fraud situation days before. The agent claimed that he would note the account and the charges would be handled. I asked how were they able to continue using the card when I would be receiving a new one and the account had fraud ; the card was supposed to be closed.The agent gave a vague answer and assured me that I would not be resposible. 
Now it is XXXX XXXX with purchase alerts for {$33.00} at XXXX XXXX and {$34.00} at XXXX XXXX XXXX in XXXXI know the location because you can see the charges and location. Again I called, confused, asking again how could the account still be active? They asked me as if I knew how the card got charged at the same time I noticed that the last XXXX digits of the card number online was different from the card I had. I asked about that and it was more XXXX reasoning since they left the account active. The first fraud charge was removed, but the other XXXX fraud charges were not removed. Initially, I was informed that they were closing the card and sending a new one. Only to add the XXXX charges to the new account when they were suppose to close the card and send a new one. I called today XX/XX/2023 after checking my account ( the charges still are there ) and spoke with a so called supervisor who claimed that it could take 90 days to resolve and that account would be credited back the charges. That was this morning. I just checked at XXXX XXXX. and nothing has been done. The charges are still there on the knew card as if they are my charges. 
It really should not be this hard for them to see that the charges are fraudulent. I live in XXXX the charges were in California and Tenessessee. I dont believe they are going to resolve the charges being that they did not close the card and then place the charges to the new card after stated they werenoting the fraud. This company is terrible, not thoroughly investigating, and have poor business practice. I really need help Barclay who has done nothing. I want this resolved so that I can close the account.

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CAN NOT GET MY CREDIT REPORT AND CAN NOT GET FREE ANNUAL CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
CAN NOT GET MY CREDIT REPORT AND CAN NOT GET FREE ANNUAL CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 non-monetary relief
Consumer complaint received 2023-07-15 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX , XXXX XXXX XXXX XXXX, GA XXXX , XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX Balance : - , XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX Inquired on XX/XX/XXXX , XXXX Inquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX , XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX i paid through PayPal for a dress white color for my wife 's upcoming birthday.

The seller was not providing the tracking number and as soon as I disputed with Paypal he provided the tracking number to show that something was sent to my address. 
Instead of my order dress the seller shipped me flash drives, in XXXX XXXX pieces maximum price is {$10.00} to {$20.00} So i was cheated, the seller wanted to let us know that i get the shipment, but it is impossible to send my order - dress in XXXX inches envelope. 
I provided PayPal all the photos, what I ordered and what I received. And because the seller provided to PayPal the tracking, that I provided much earlier than the seller, Paypal made a decision for seller 's favor. But I appealed their decision and PayPal advised me to report this issue to XXXX or CFPB and they will make a decision on my favor.. So I paid {$400.00} for couple of flash drives. I provided the photo of the envelope with flash drives where is clearly reflected the same tracking as the seller provided to PayPal.

Attached please find pictures of what I ordered and what I received.

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 2023-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I opened a new business connected Remitly XXXX ID # XXXX with my new debt account to pay an employee - 5 days later fraudulent transactions from XXXX began. Remitly exposed or leaked my debit card information. 

do not connect or use their services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi Im reaching regarding to my saving XXXX account at the moment that was a saving account. I was being charged for overlimit fee {$60.00} a month for 3 months in XXXX XXXX XXXX and XXXX. I had asked you before about the reimbursement but got denied by customer service every time. The reason I had to do transactions on saving instead of another checking account which lead to this overlimit fee are 1 ) my XXXX checking account was negative due to excessive overdraft and nsf fees that Bank of America charged me on the same transactions while the balance was already negative. 2 ) I needed to pay interest of Bank of America credit card to avoid the late fee and interest that could be combined and included in the original amount I owed. At the moment, my checking account was negative if I deposited to that account, I would not be able to pay the minimum payment of credit cards. Therefore, my only option was to deposit to saving instead of checking to avoid the late fee and also in order to transfer a part of it to my landlord for my monthly rent. 3 ) I understood that I should not do services with the bank tellers. But since you limited hours during the COVID, and customers did not want to be in closed space so majority of the customers used the atm outside. The line was long since the atm was not sufficient to all customers. Especially in XXXX XXXX, the branch was closed very often and only 2 atm outside and 2 in drive thru. Outside atm machines were 1 working but out of money and 1 not functioning. On the drive thru, they are working but out of money. Therefore before bank even open, it was common to see customers waiting in line outside to see bank tellers because of atm machines were not operating. I dont think charging me {$60.00} a month for overlimit fees was fair since bank inappropriately added nsf fees or overdraft fees to my account in XXXX that around {$1000.00} was charged on XXXX for nsf fees. Therefore, I left no choice to use my saving Account to pay bills which eventually caused me {$60.00} overlimit fee for 3 months. Also, atm outside were never property maintained and left customers to see tellers inside the bank only. 

Also I am not sure what is the different between nsf fee and overdraft fee. Since Bank of America uses them interchangeably. For the same merchant that charged on my account while it was already negative. they appeared as overdraft or nsf fees interchangeably attached pictures.

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 2023-07-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my NUMEROUS complaints 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 inquiries 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 inquiries listed below : XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on 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 2023-07-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Fraudulent accounts were open or attempted to be opened on two occasions : -Opened on XX/XX/XXXX and closed in XXXX. 
-Attempted to be opened XX/XX/XXXX, no response from the bank once I reported this was a fraudulent attempt

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 2023-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
I submitted a Reconsideration count for XXXX because I had had previous forbearances and deferments that would qualify for the limited waiver. It was granted and I was told that my servicer had to wait for the Education Department to send them the changes or I could send in another Employer Certification. I did and there were no changes. If they count them, I would be qualified for Forgiveness before repayment begins again. I am attaching the documents I previously submitted that they disregarded. It will show that I was on Forbearance/Deferments for the for the XX/XX/XXXX and XX/XX/XXXX and XX/XX/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 2023-07-15 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: AR

Complaint narrative:
This is my second request to XXXXhree Credit Bureaus and I am filing a case aginst them in violation of neglegence under FCRA Section 605b. These Credit Bureaus have engaged in unfair and deceptive practices by providing inaccurate and misleading information to debt collectors, thereby tarnishing my creditworthiness and subjecting me to harassment. I demand immediate deletion of these violations and compensation for the damages caused. These are the following items that are needs to be deleted : 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 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 non-monetary relief
Consumer complaint received 2023-07-15 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: AR

Complaint narrative:
This is my second request to three Credit Bureaus and I am filing a case aginst them in violation of neglegence under FCRA Section 605b. These Credit Bureaus have engaged in unfair and deceptive practices by providing inaccurate and misleading information to debt collectors, thereby tarnishing my creditworthiness and subjecting me to harassment. I demand immediate deletion of these violations and compensation for the damages caused. These are the following items that are needs to be deleted : 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 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 explanation