vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 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: TX

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am pioneer of XXXX XXXX XXXX and was employed by XXXX XXXX emp number and purchased XXXX stocks as XXXX expended between XXXX to XXXX dollars XXXX. It should be XXXX dollars now. Instead i had to sell it in XXXX for XXXX dollars or so or earlier. 

I was in marital relation with XXXX  and XXXX did not hire me as a fulltime regular staff until i went through a summary dissolution in XXXX in XXXX. I suspect i was not given company options that i could sell and retire in XXXX  by those aware of the marital separation. Now my mother is dead and i am not with XXXX. I had some health issues and i was erotically immature  and could heal my self only by visiting XXXX XXXX. 

I do nt have any income and XXXX seeded XXXX i should be having a stock portfolio of all browser based companies and should be worth few XXXX. Instead i am injured and exploited and i am exploited by cyber lawyers and investigators i suspect this internet center is managed by those and they are paid and is a crime. I demand execution of whoever is managing my money as it is my money and not XXXX  money or XXXX  money and they are plainly thieves that has attacked me using XXXX XXXX and employing many staff using me. I need an ATM issued by citibank

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 2023-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This issue relates to XXXX transactions. My originating account is with XXXX XXXX, and I make transfers to my Texas XXXX XXXX XXXX account and a Wells Fargo account. In the last month or so, along with legitimate XXXX transactions, unauthorized transfers have been made. I have met in person with XXXX XXXX, Texas XXXX XXXX XXXX, and Wells Fargo regarding these unauthorized transactions, and have identified a pattern. 

INCIDENT # 1 - XX/XX/2023 Received the following e-mail from Wells Fargo. You received money with XXXX. [ My name ] sent you money. Here are the details. 
Date XX/XX/2023. XXXX {$40.00}. Confirmation code XXXX. This money has been deposited in your Wells Fargo account. For more information, please call Wells Fargo Online Customer Service at XXXX, XXXX hours a day, 24 hours a day, 7 days a week. 
XXXX XXXX includes multiple phone calls to XXXX & Wells Fargo, followed by meeting in person.XXXX  had no record of this transaction. Also met with XXXX XXXX XXXX to rule out a misdirected XXXX transaction, but no record. Met with Wells Fargo. Their banking system identified this as an actual deposit. I was advised that there is a scam regarding false deposits often followed by a text message from someone claiming it was accidentally deposited to my account and requesting return of the money. I did not receive such a text and would not respond if received. I submitted a complaint to the FTC on XX/XX/2023. 

INCIDENT # XXXX - XX/XX/XXXX. 2023 Received a message from Wells Fargo referencing another fraudulent deposit with confirmation code XXXX, this time for {$35.00} ACTION TAKEN - No record of such transaction from my XXXX records at XXXX XXXX. 

XXXX XXXX  says there is nothing they can do, as they have no record of these transactions. Wells Fargos system seems to have a flaw allowing it to accept these deposits, so they see it as legitimate, and XXXX says they cant do anything because they dont have access to these accounts.

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 2023-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Dear PayPal Support Team, I am writing to submit a complaint regarding the permanent limitation of my PayPal account with the email address XXXX. I believe that this limitation was placed on my account by mistake, and I would like to request that PayPal re-investigate my case and restore my account if possible. 

Firstly, I would like to emphasize that I have not violated any PayPal policies. I have always used my account responsibly and have never engaged in any fraudulent or unauthorized activities. Therefore, I strongly believe that my account was limited in error and I request that PayPal thoroughly review my case. 

Secondly, the limitation of my account has caused significant inconvenience and distress, as it has affected my ability to receive and send payments. I am a law-abiding citizen, and I have always cooperated with PayPal 's policies and procedures. 

In light of the above, I kindly request that PayPal reconsiders the permanent limitation of my account and reinstates it if possible. I assure you that I am willing to comply with any additional requirements that PayPal may have, and I am committed to resolving any issues that may have led to this limitation. 

Thank you for taking the time to review my appeal. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

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 explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Commencing about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Bank of America did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Bank of Americas custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Bank of America promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Bank of America was in compliance with its own policies and procedures ; ( v ) whether Bank of America owed duties to myself, what the scope of those duties was, and whether Bank of America did not uphold those duties ; ( vi ) whether Bank of Americas conduct was unfair ; and ( vii ) whether Bank of America has within its power the ability to, and should, compensate me for the harm that has befallen me.

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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: TX

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: IN

Complaint narrative:
Credit karma XXXX XXXX XXXX XXXX XXXX XXXX  Charged for the same transaction several times. And the company will not do anything about it. They hangup they laugh about it they will not let you speak to a supervisor. They will not give the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There is a hard inquiry on my Transunion Report from, XXXX XXXX XX/XX/XXXX and XXXX XXXX on XXXX. I have disputed these items but they have not been removed. I did not apply for anything on either of these dates. I spoke with the XXXX XXXX XXXX and XXXX XXXX yesterday and they said they did not see where I applied for any type of credit on these dates and I needed to file a dispute with the credit reporting agency. 

I do have accounts with both companies but did not apply for any type of credit on these dates with either company. These inaccurate hard inquires reflecting negatively on my Transunion 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 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX I live in XXXX Alabama all XXXX of my years. A credit card was fraudulently open in my name in New York where Ive never lived nor do I have no one to visit there. I was contacted by a debt collector company about this matter and filed a dispute with them. I contacted Citizen Bank about this matter provided them with identity from when the card was open and where I resided when it was fraudulently open. I currently live in XXXX Alabama and serve as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received a letter about this dispute and investigation and they stated that it was denied I will take further action in this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
Crown Asset Management, a debt collector, is suing me for a debt that I previously requested validation for via a letter sent to them on XX/XX/XXXX. I also filed a copy of the letter with the courthouse since I was being sued at the time and still lived in XXXX. I first learned about this alleged debt from a letter served to my ex on my behalf on XX/XX/XXXX. Prior to this, I was never contacted by mail or phone about the debt and was not given a chance to validate it in accordance with the Fair Debt Collection Practices Act. After receiving the letter, I sent a validation of debt letter on XX/XX/XXXX requesting more information about the debt. Crown Asset Management never responded to this letter, and it has been over six months since I moved to a new address in XXXX and also had my mail forwarded without receiving any reply. 

On XX/XX/XXXX, Crown Asset Management filed a motion for summary judgment without providing me with the information I requested in my XX/XX/XXXX letter, which I had filed at the courthouse when I lived in XXXX  XXXX. I discovered the motion on their website and was upset that they had not properly furnished me with the requested information. I also noticed that the motion was addressed to an unknown address, so I would not have received any correspondence from them even though I had given them my address in my debt validation letter. Crown Asset Management 's actions appear to be in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and I believe that my rights have been severely violated. I am seeking the removal of the derogatory account from my consumer report as it has had a significant impact on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: SC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK 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 non-monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings
State: FL

Complaint narrative:
I was denied from a rental property due to information reported on the consumer report from safe rent. I received the denial letter with a attachment of the information safe link provides and under XXXX history it states they provide felony convictions, which I dont have and shouldnt have been reported on my background check because its inaccurate. When I called safe rent on XX/XX/2023 I was told by the representative that I had been issued a adverse action due to a arrest ( not conviction ) that has a court ordered Expungement in effect.

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 2023-04-20 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: SC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Ive never signed a contract with R/C Resurgent Receivable.They claim I owe them {$390.00} and account number begins with XXXX. I need this account deleted from my consumer report as this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TMX Finance LLC
State: GA

Complaint narrative:
Spoke with a representative twice yesterday, made a higher loan payment to keep my vehicle from being repossessed and they still repossessed my vehicle. The higher fees and taxes I would like to be reimbursed for especially after already speaking to a corporate rep who assured me that if I made the additional payment, my vehicle would no longer be at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-04-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FREEDOM FINANCIAL NETWORK
State: PA

Complaint narrative:
Summer of 2021 i was looking to consolidate my debt and found Freedom Debt Relief @ XXXX. I was advised that I didn't qualify for a consolidation loan, but that they would get my creditors to accept lower payments and settle my balances. I had to start with agreeing to a {$430.00} per mos payment to FDR. This was automatically deducted from my bank account. Very slowly I started receiving notices of creditors settling for a lesser amount and I was to approve it. This went on for over a year, I would receive notices that accounts had been paid off out of the funds I was paying. To move this along, I received notice that all of my accounts had been settled. Now, I qualify for this loan to pay off my debt to ACHIEVE, XXXX XXXX XXXX XXXX, XXXX AZ XXXX. The loan is for thousands more than my debt ever was, they are taking payments over {$100.00} more a month at a crazy interest rate. Now, after I received notice that ALL my creditors had settled i receive a demand letter from the Credit Union I owe the largest amount to. Not, just once. But twice same letter a month apart. I have reached out XXXX Achieve several times by phone and email without a valid response to my question of why am I receiving a demand letter for an account I am paying on???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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 Reporting Act XXXX XXXX XXXX Account XXXX, 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 a 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