vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-28 00:00:00
Product: Checking or savings account — Checking account
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: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi- on XX/XX/XXXX, I was attempting to sell my XXXX  on XXXX XXXX and was scammed with XXXX XXXX I immediately reported it to Citibank that evening where they said an investigation was to take place and I had to go to the bank to open a new account. At that time, no information about what had transpired were asked just that my account is blocked. I did not hear any updates from the investigation until a month out when I called to find out the status on XX/XX/XXXX. I found out that they denied my claims and so I appealed it because no questions regarding the events or emails were shared. They temporarily returned my funds and began the investigation again. No letters were sent, when I did receive an email and called Citibank to open the email as it required a password, they told me not to open the email. As of yesterday, XX/XX/XXXX, I was told I am not eligible of getting my funds back. As per the XXXX, I believe I am covered and have the emails to prove the scam which no one has asked me for during the investigation.

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 2022-08-28 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act Fifth Third Account has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: VA

Complaint narrative:
This morning, XX/XX/22, I noticed I had received three emails at around XXXX from Bank of America regarding a pending application for a XXXX XXXX account. I did not open the account. Someone used my name and information to do so. I tried calling this morning at XXXX and the automated voice asked me for an account number that I do not have access to. I was unable to speak to a person unfortunately.

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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I was a XXXX account holder 100 % payment History and my accounts ws closed and reported and charged off after I reported fraud claims..

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 2022-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
It all started three months ago when I had filed a claim with PayPal for a purchase I never received from XXXX XXXX. Of course, because I never received my item I figured PayPal would help me recover my money with the claim as it wasnt my fault and PayPal reassured me I would receive my money as it wasnt my fault. After three months I got my final answer and told me they would not cover the chargeback as they claimed I was a reseller. Not to mention through those three months they had very bad community on and never kept me up to date. They never gave me evidence of me being a reseller. I bought one pair of shoe size XXXX for {$150.00}. I was excited when I bought it as it was a personal pair. Its ridiculous what PayPal is trying to do and claim everyone is a reseller if they make a claim from XXXXXXXX XXXX so they wont be liable to repay the customer and a easy way out for them. I contacted them again after receiving the final answer and asked what can I provide to prove Im not a reseller and they never answered and completely ignored my question. I am not the only person having the same problem as thousands of people are out of so much money. Even the FBI is now involved with the XXXX XXXX situations and yet PayPal wants to side with XXXX XXXX and not repay its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: NJ

Complaint narrative:
My wallet was stolen and my identity. A XXXX  XXXX  was open by someone else.

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 2022-08-28 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: NJ

Complaint narrative:
My wallet was stolen and my identity. A XXXX  XXXX  was open by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: VA

Complaint narrative:
Equifax is creating multiple data points, based off of outdated information in an attempt to be more credible than the two other credit reporting agencies & has affected my score to go down, with consistent and full-on time payments Credit Reporting Agency has closed over 30 disputes & has physically mailed me only ONE dispute - I have records of all disputes & their negligence to fix reporting is desperate at best

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX. Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the XXXX XXXX act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
On XX/XX/2022 my email and phone were hacked and my credit card was compromised. I promptly changed my contact email and phone number with the credit card account online. 
No response was obtained from the company ( TD Card services ) till I received a letter 4 days later stating they had frozen the account for suspicious activity. 
Several attempts from XX/XX/XXXX through XX/XX/XXXX with XXXX department of TD Card services resulted in the following responses from them : XXXX. Unable to verify your number, go to branch. 
XXXX. When I indicate that there are no branches in my state or neighboring states, they responded to fax verification documents. 
XXXX. Every customer service rep ( XXXX ) I spoke to over several days had differing information about acceptable ID. 
XXXX. Even after sending ( and verifying receipt ) of the documents on XX/XX/XXXX, they did not respond ( despite stating XXXX hours business day response ). 
XXXX. On XX/XX/XXXX, I reached out to TD Card services, and they stated they had received the documents but had not reviewed/escalated and stated they would right away and to call back. 
XXXX. On XX/XX/XXXX, I called back and the rep first stated : I should go to a branch ( see # XXXX ), then I need to send documents ( see # XXXX ), and then " escalated '' to a manager, who apparently said they would review the documents and to call in XXXX business days again ( see # XXXX and # XXXX ) .Also, the rep declined to give me a case number and asked me to call back. 
Note : every call to them results in hold times of : XXXX mins, XXXX min, XXXX hour XXXX min. 


As a result, almost XXXX weeks into my compromised card, TD Card services has neither reviewed my case, or my documents, keeping on pushing out the resolution. I am unable to access my account, confirm if fraudulent charges exist or not, nor have replacement cards sent. 
TD Card services has not done anything along the way either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 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:
Ive reached out to request that the inquiries that I am unaware of listed in the attachment for the dates that follow. ive reached out and requested that My report relefcts the correct information to reflect accurately. In accordance with the Fair Credit Reporting XXXX has violated my rights. 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C 1681 SECTION 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions XX/XX/2022 : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX of inquiry XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX of inquiry XX/XX/2022 XX/XX/2XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX XXXX of inquiry XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX Date XXXX XXXX XX/XX/2022

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 2022-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive reached out to request that the inquiries that I am unaware of listed in the attachment for the dates that follow. ive reached out and requested that My report relefcts the correct information to reflect accurately. In accordance with the Fair Credit Reporting XXXX has violated my rights. 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C 1681 SECTION 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions XX/XX/2022 : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/2022 XX/XX/202XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX XXXX of inquiry XX/XX/2022 XXXX XXXX XXXX Address:XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/2022

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 2022-08-28 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: NJ

Complaint narrative:
Wallet stolen and accounts were open with my identity.

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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In accordance with the Fair Credit act Navy Federal Credit Union Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a original collector and third partys on my credit report trying to collect the same debt. Illegal to give personal and private information to any one. Its also illegal to sale debt. Third party and original collector dont have any original documents with my signature to verify this so called debt. This should not be excepted its taken so much for being illegal and fraud.

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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Report phishing Recently, my email account and personal information were stolen. I am reporting it now, but the amount of damage is too large.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Original Creditor : Florida Hospital Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to receive medical care at Florida Hospital. This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify Florida Hospital that the debt is the result of identity theft. 

My personal information was used to obtain medical care in my name, which I am not responsible for. An identity theft report will be included. Also, a police report is in the process of being filed in regard to this matter. Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. 
The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that the information you provided to it may be the result of identity theft. Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. 

Please provide me with the following documents related to this account : XXXX. Application records or screen prints of Internet/phone applications XXXX. Statements or invoices XXXX. Payment/charge slips XXXX. Investigators summary XXXX. Delivery addresses XXXX. All records of phone numbers used to activate or access the account XXXX. Signatures on applications and accounts XXXX. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : XXXX notify the original creditor that the debt is the result of identity theft ; XXXX stop collection proceedings against me ; XXXX cease reporting this information to the credit reporting agencies ; XXXX provide me with the information I am requesting ; and XXXX take all actions required of you as a furnisher of information to credit reporting agencies. 
Thank you for your cooperation. 

Sincerely, XXXX XXXX Enclosures : I have attached to following documents FCRA 615 ( g ) ( 2 ) FCRA 605B FTC Notice to Furnishers of Information Identity theft Report Identity Theft Letter to debt collector Police Report ( Pending Deputy Signature )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In accordance with the Fair Credit act Navy Federal Credit Union Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 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: NJ

Complaint narrative:
Wallet was stolen and my id and ss card was in it. And accounts were fraudulently open as I have attached the FTC letter and my id

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