vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was contacted by Citibank on XX/XX/22, however, at the time I did not know it was not Citibank. Everything was conducted in the exact way Citi would do things. I was sent a text, as Citi does, that stated they thought there might be a fraudulent charge on my account. They wanted to know if I made a purchase to Office Depot for {$210.00}. I texted back no and someone, who I thought was from the Fraud Department called me. Every question they asked, Citi would ask. When they asked if they could send a text with a code to verify it was me, I said yes, as that was something Citi does all the time to verify someones identity. In the process of all of this, they told me that they were going to credit my account back the money from the fraudulent charge. I thought okay. Then this person, made a mistake and transferred too much money. They told me that I needed to transfer everything back, minus the fraudulent charge. When I logged into my account, I could see a credit for {$15000.00}. They told me that they accidentally transferred the money that way and when I gave it back to them, it would go away. I trusted that this was Citibank and went ahead and did what they asked me to wire the money back to them minus the {$210.00}. However, I found out that later that I did not wire the money back to Citibank, I wired it to these people who took out a loan for {$15000.00} in my name and impersonated Citibank to get the money. When the credit did not go away, I went into Citibank to find out why. That was when we found out that someone took out a loan in my name and got me to transfer the funds to them.

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 2022-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with Fair Credit reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with Fair Credit reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX Acct # XXXX, XXXX  Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX/XXXX  Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX  Acct # XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, INQUIRTIES : XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 2022-11-06 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: Grain Technology, Inc.
State: FL

Complaint narrative:
Company incorrectly charged off the account after payment was already made. Before charging off the account they were reporting an incorrect balance to the credit bureas. They were constantly sending messages saying that the account was XXXX days past due even though I made the payment. A payment of {$160.00} was made on XX/XX/2022 as it was the past due amount that was listed in the app. They proceeded to send me an email on XX/XX/2022 saying that the account was XXXX past due. I reached out to them and stated that it was not past due. I did not receive a response. On XX/XX/2022 they sent an email saying that the account was XXXX past due. I once again reached out to them to inform that this information was incorrect. I did not receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by XXXX under the Fair Credit Reporting Act ( FCRA ). 
Account Names has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Accounts above illegally obtained personal and private information and sold it to other reporting agencies, including XXXX and XXXX did not grant Account Name permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 
As the consumer and natural person, I am invoking a specified remedy and making the following demands : XXXX XXXX XXXX  reporting of the account filings above. 
-Remove reporting of the account name filings above from all consumer reporting agencies you may be sharing too. 
-Attached is my FTC report since this is considered fraud and is against the law Ignoring this XXXX and XXXX will be evidence that the infringements were willing, deceptive, and in violation of the FCRA

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 2022-11-06 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: FL

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 Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 information 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 2022-11-06 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: FL

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 Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 information 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 explanation
Consumer complaint received 2022-11-06 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: WA

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

XXXX XXXX : Account # : XXXX XXXX  XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXXXXXX XXXX : Account # : XXXX XXXX XXXX : Account XXXX : XXXX XXXX XXXX : Account XXXX : XXXXXXXX XXXX XXXX  : Account # : XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Discharged : Reference # : XXXX XXXX XXXX  : Account # : XXXX These accounts have violated my rights. 

-15 USC 1681 section 602A states I have the right to privacy. 

XXXX15 USC 1681 section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

-15 USC 1681c ( a ) ( 5 ) 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 USC 1681 Section 2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These debts occurred and were made worse by being under limited connectivity and availability while XXXX and/or forward XXXX on XXXX XXXX US military XXXX, I believe fall under the The Servicemembers Civil Relief Act ( SCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XXXX XX/XX/2022, I ordered XXXX trees from XXXX and received no verification of order from the company. However, as the only means of payment through the company, my credit card through PayPal was charged {$60.00} payable to a completely different compnay called XXXX XXXX XXXX with no order details, and I did not receive a confirmation of my order from XXXX. 

I filed a claim with PayPal for refund but it was denied based on their so-called investigation which stated that trees were delivered on XXXX XX/XX/2022. The trees were not delivered to me at my address. The FedEx delivery tracking number shows no name and no address and the photo of the delivery address is the back door of someone else 's house. I checked with FedEx and my name is not associated with the tracking number. Furthermore, the FedEx tracking number references XXXX items, not XXXX, described as " XXXX inch XXXX metal garden '' and the boxes with " XXXX '' logos in the picture certainly do not contain trees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 2022-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I received two packages from a clothing store, XXXX. I am a regular customer of this store. I received these packages for two separate purchases that were not authorized. I did not place those orders. They were charged on my checking account through Chime. 
XXXX. The first order was places at XXXX on XX/XX/22. The purchase included a {$150.00} gift card and a pair of mens socks. 
XXXX. The second order was placed at XXXX on XX/XX/22. The purchase included a {$150.00} gift card and a pair of mens socks. 
* Both orders were identical. 
I had XXXX on Wednesday XX/XX/22. I was not able to make purchases or anything due to the process of preparing for XXXX, etc. 
I calked Chime banking and informed them on Thursday, XX/XX/22 in the evening. 
Their investigation dept instructed me to upload documents and copies if the information from the orders. I did that. After submitting my case that evening, I received a follow up update email notification on the case stating there was no error found. 
I proceeded to call the vendor ( XXXX ) on the morning of XX/XX/22. They recommended I close my dept store card with them and change my passwords and Would try to place a block on the gift cards purchased. They were able to freeze XXXX of the XXXX gift cards. They recommended reaching out to my bank and attempt to get my money back. I even asked XXXX if they heard from my bank and they stated there is no record from XXXX  reaching out to them. 

I suspect there was no investigation on Chimes behalf because they never called the vendor. 

Ive attempted to get my case opened and investigated 3 separate times with Chime and to no avail, Each attempt would only result in less than a XXXX hour response with a no error found outcome. 
The right thing to do is to return my money. I am turning to you to make this known. How can a banking service not have a proper investigation in place fir unauthorized charges? I also changed to another banking service fearing my funds lack security and proper security service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I was never contacted by this company, not even a voicemail. In accordance with the Fair Credit Reporting act Portfolio Recovery Associates LLC has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX A. States I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
During XX/XX/2022 a XXXX transaction was attempted and blocked in the amount of over {$3000.00}. The record of the transaction was removed from my account. 

On XX/XX/2022, an unauthorized transfer was made in the amount of {$1900.00} was made. As a result, after reporting the fraud Bank of America froze my account and opened a new account. 

Subsequent to closing my account numerous checks bounced as well as scheduled electronic transfer were blocked too. 

Bank of America said it would take up to 120 days to resolve to the issue.

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 2022-11-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax I have a monitoring service and can't access my credit file. I was asked several times to send in documents verifying my identity and I have done so several times. I have spoken to several depts at least 3-4 times a week for the last XXXX XXXX  weeks about my file and all I get is the runaround. I asked to be credited for the product I am paying for and they won't grant the credit. I am frustrated by Equifax 's bad customer service and poor practices along with refusing to remove incorrect and erroneous information on my file which can have been verified in the form of an investigation demanded by me from the original creditors. If these matters are not remedied within the next 5 days I will prepare to take legal action against Equifax and the original creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX  Acct # XXXX Inaccurate information on my credit report. 

by provisions of the Fair reporting act and per the standards of implemented with XXXX enacted XXXX XXXX XXXX XXXX XXXX, I demand that the above mentioned derogatoryitems be investigated and permanently remove from my report. It's my understand that you will recheck with the creditor who. has posted them. please remove the inaccurate information that the creditor can not verify. I understand under 15 USC Sec1681 ( a ) you must complete within 30 days. WHY is this creditor reporting 2 different dates of last activity two different dates of the account being opened two different dates being last reported INaccordance with FCRA SEC 611 I'm requesting this information be investigated for completeness and accuracy.

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 2022-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I received a debt collection notice letter on XX/XX/XXXX dated from XX/XX/XXXX. XXXX saying If i don't respond to it by XXXX XXXX XXXX that they'll assume the debt is real. This is from XXXX XXXX XXXX claiming I owe {$420.00} to PayPal , Inc . This is not my debt I've never made any such charges and I always pay Paypal instantly. This is a scam charge and fraudulent. They are hoping someone isn't paying attention and just pays the debt without investigating. I don't have such account with PayPal and I never made a charge in that amount. This is a scam and/or identity theft.

Company response to consumer: Closed with non-monetary relief