vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX I attempted to call Citi and close my checking account, I was told the account was locked and I needed to send a letter asking that my account be unlocked. I sent the letter and received a letter dated XX/XX/XXXX that I needed a notarized signature to close the account because my account was locked. 

I never asked to have the account locked, it was done without forewarning or an opportunity for me to ask the account not be locked. 

As there are no Citi branches in my area, getting a notarized signature will create undue burden and cost. I now must take time away from my job, pay a fee, and mail a second letter just to get access to my funds. 

Additionally, I was not told I needed a notarized signature in my original XXXX phone call, I was told sending a signed letter should be sufficient. 

I am attaching a summary of the phone call with Citi on XX/XX/XXXX and their requirements to activate my account as well as the letter dated XX/XX/XXXX with the additional instructions. 

All I want to do is close my account and Citi is creating significant barriers to doing so.

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 2024-05-17 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: ME

Complaint narrative:
I mailed two rounds of certified letters first oneXX/XX/2024 to TransUnion Consumer Solutions disputing accounts below Account Name : XXXX XXXX XXXX {$5500.00} Account Name : XXXX XXXX XXXX {$3400.00} Second letter sent for verification on XX/XX/2024 to TransUnion Consumer Solutions and accounts still remain and have not been fully validated.

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 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On or about XX/XX/2024, without my authorization, Bank of America dispersed {$5900.00} from my account number XXXX to XXXX ( formerly XXXX aka " XXXX '' ) and since that date has wrongfully refused to make set amount available to me. Bank of America dispersed these funds to a company called XXXX. This company claims I applied for a loan with them on behalf of my business. I did not apply for a loan with XXXX. I have been a victim of identity theft. XXXX did not check ID for the applicant and Bank of America did not conduct an investigation. Bank of America and XXXX are simply agreeing with XXXX another without conducting an investigation. XXXX has provided some of the original application. XXXX has refused to provide statements. XXXX has refused to provide written proof of all communication with the identity thief to include emails and texts, as requested. 
I had never heard of XXXX  ( XXXX  formerly XXXX ) until Bank of America dispersed funds to them without my knowledge. XXXX is now stating I owe them {$11000.00} more and that they will settle with me by retaining the {$5900.00} and waiving the {$110000.00} provided I do not speak of their company ever again on any platform.

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 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

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 2024-05-17 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I deposited {$230000.00} to Gemini and now they are not allowing me to wire back the funds to my account or to send the money in crypto to a different crypto wallet

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC
State: MD

Complaint narrative:
The following letter of request was sent regarding account balance of {$3300.00}. 

Dear Collector, I'm unaware of this debt, I didn't have opportunity to dispute this information. If in fact you believe you provided the proper notification then please send me the " certified receipt '' with my name and address on it. If you are unable to provide the said document otherwise the noted account must be removed because this is a violation of the federal credit consumer law.

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 2024-05-17 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: TX

Complaint narrative:
I looked at my Report have a Hard inquiry that I didn't authorize. Company shows XXXX XXXX, and I have no connection with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I was doing some research to discover why my bill was not going down even though I was literally paying more than {$500.00} a month. I than began to inspect my statements more closely an saw an reoccurring interest fee of {$62.00}. I called to find out what the funds were and I was told it was a charge for a balance transfer of {$3000.00}. I transferred this amount because the interest rate was cheaper and and I thought I could pay it off sooner. I have learned that my $ XXXX balance is now $ XXXX and will keep increasing until I pay off my $ XXXX purchasing that happened way after the fact. I think this is a ponzi scheme to keep the banks rich. I does that make sense that is no better than a loan shark. I am inundated with emails about referring friends etc but nothing about how my $ XXXX transfer has not gone down in 2 years but has in fact gone up by $ XXXX. That does not seem right and should not seem legal. These big banks can get bailed out but here it is a working class person has to get extorted by the very bank that she entrusted her savings just to be robbed blind. How is that fair and just?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: GA

Complaint narrative:
Dear Sir or Madam, Re : Request for Assistance with Creditor Collecting Unknown XXXX Plaza Services XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX I am writing to request your assistance in resolving an issue with a creditor that I have no known involvement with, they are attempting to collect a debt of which I have no knowledge. The details of my situation are as follows : I received a communication from the above-mentioned creditor regarding an outstanding debt. However, I have no record or knowledge of this debt, and I am concerned about the accuracy and legitimacy of the claim. 

Due to a recent notification from XXXX XXXX XXXX regarding a data breach, which my social security number and address may have been accessed without my consent. 

Upon receiving the initial communication, I promptly contacted the creditor to request detailed information about the debt, including the account name, address the amount owed, my signature, and any relevant documentation supporting their claim. 

Unfortunately, I have not received a satisfactory response from Plaza Services As a consumer, I am entitled to accurate information and fair treatment in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Given the lack of response and clarity from the creditor. 

I am seeking the CFPBs intervention to ensure this matter is resolved appropriately. Specifically, I request the following assistance : 1. Verification of the debts legitimacy. 2. Provision of all relevant documentation supporting the debt claim. 3. Assurance that my consumer rights are protected during this process. 

Enclosed with this letter, you will find copies of all communications I have had with the creditor to date. I appreciate your attention to this matter and look forward to your assistance in resolving this issue promptly. 

Thank you for your time and consideration. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I requested " copy of application and business transaction records in the control of the business entity evidencing any transaction alleged to be a result of identity theft '' [ FCRA 609 ( e ) ( 1 ) ] and submitted my request " in writing [ FCRA 609 ( e ) ( 3 ) ( A ) ], and sent it to an " address specified by the business entity '' [ FCFRA 609 ( e ) ( 3 ) ( B ) ]. I included a copy of my driver 's lisence as well as police reports and an indentity theft report from ther FEderal Trade Commission as per FCRA 609 ( e ) ( 3 ) ( C ) ( i & ii ).

They responded by sending only a list of items bought fraudulently and have refused to divulge other documents guaranteed me by thye FCRA. They claim a subpeona is needed despite it clearly not being a requirement per FCRA 609 ( e ) ( 1 ) ( A, B & C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: MD

Complaint narrative:
The following letter was sent to the collection agency regarding account balance of {$490.00}. 

Dear Collector, I'm unaware of this debt, I didn't have opportunity to dispute this information. If in fact you believe you provided the proper notification then please send me the " certified receipt '' with my name and address on it. If you are unable to provide the said document otherwise the noted account must be removed because this is a violation of the federal credit consumer law.

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 2024-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I Have no Knowledge of these accounts being opened. It Is Fraud These Inquires were unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CapitalOne XXXX XXXX  CapOneNA XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX CapOneNA XXXX XXXX Capital One XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV FINXACT CORE
State: NC

Complaint narrative:
I was dining in at XXXX XXXX XXXX at XXXX XXXX, XXXX, NC XXXX XXXX I paid in cash for my meal. I noticed on receipt that I was being charged a convivence fee for a cash transaction. I approached the lady working there and advised of this issue. The lady advised that she wasn't sure or failed to refund me for the fee charged by her system. There is no notice at the point of sale of charging customer a convivence fee even if the customer used a credit card more less paying in cash.

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 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Credit Card Receivables Fund Incorporated
State: GA

Complaint narrative:
IS U.S. Code $ 1681c-2 a consumer reporting agency shail block the reporting of any Information in the fle of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipe. it has been 30 days and you are in VIOLATION of this law because I am a victim of identty theftil Please delete these items IMMEDLATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 US Code 1681b - Permissible purposes of consumer reports ( ) IN GENERAL SUb to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION c consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CON to report amything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer im demanding the deletion of accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX {$16000.00} Account number XXXX Account name XXXX XXXX XXXX XXXX XXXX {$14000.00} reflecting 2 different numbers on different bureaus Account number XXXX Account name XXXX XXXX XXXX XXXX {$1800.00} Account number XXXX Account name XXXX XXXX XXXX XXXX {$3900.00} Account number XXXX Account name XXXX XXXX XXXX {$460.00} Account number XXXX Account name XXXX XXXX  XXXX XXXX {$15000.00} Account number XXXX Account name XXXX XXXX XXXX XXXX {$620.00} Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2024-05-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-17 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: UT

Complaint narrative:
there is an account on my credit report that is not mine and belongs to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: FL

Complaint narrative:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

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 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After looking at my Credit Report I have noticed a Hard inquiry from XXXX XXXX that I didn't authorize as part of identity theft

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 2024-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had too late payments on an account that I was in fact paid on time. The consumer reported an agency need to report all information with complete accuracy. This account should not l have late payments. I have attached A copy of my report for this complaint. As you will see the inaccuracies between Trans Union XXXX and XXXX, I am now requesting you to investigate and provide verified proof with record showing that I had late payments. If the information can not be verified, I demand these payments be updated to pay on time immediately thank you for understanding.

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