vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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: TX

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.

There shouldn't be any payments or late payment reporting on my report 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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.

15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have a credit card with Comenity Bank for XXXX XXXX XXXX XXXX. For the past 5+ months, it has been declined. I have {$0.00} balance. I added an authorized user in XXXX of 2021 & the bank removed this person without my knowledge. When the bank did this, they closed my card for whatever reason. Ive called 6 different times & spent more than 30 minutes on the phone with them each time. The first few times I called, they could not tell me why it was being declined. The next times I called, they said it was a system glitch & were working to get it resolved. It has been months & I still am not able to use this card. Id close it if it would not affect my credit. They dont have a timetable of when this issue will be resolved. On top of that, they have not reported my balance since XXXX to the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
They would withdraw the biggest pending amount first before withdrawing then in order of transaction

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo charged me with unbelievable high and outrageous fees for overdrafts. And general fees. {$35.00} per transaction. This went on for years and years. I cant imagine how much they charged me on overdraft fees. XXXX XXXX XXXX of dollars

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 2023-01-23 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: TN

Complaint narrative:
In Accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumers rights to privacy under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF ED # XXXX, Has violated my Rights ...... 

15 U.S.C 1681 section 602 A. States I have 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer report containing any of the following items of information any other adverse item of info other than records of convictions of crimes which antedates the report by More than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any info relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the info is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: HI

Complaint narrative:
Transunion has not removed scores of invalid, unauthorized inquiries. I have enclosed all information in attachment. It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Transunion databreach, class action & settlement lawsuit, and is available for free, on pastebin websites, and on the blackmarket or dark web internets for a fee.

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 2023-01-23 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: TX

Complaint narrative:
I am a natural person, I am a living Human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681.

Equifax has violated my rights numerous times. I demand the accounts listed below be removed immediately.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

I am a victim of the Equifax XXXX XXXX. Equifax has admitted the fraud that was committed and that I am a victim and I have a Claim number with Equifax. The claim number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: NV

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately.

Please remove these accounts from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Can you please tell me if Im apart of this Wells Fargo might owe you money following {$3.00} XXXX settlement settlement as I was a formal customer back then. At the time my last name was 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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
They close my account without telling me, and I think I have money in it they closed my account, but they never sent the checks but all of 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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My account was hacked and robbed I opened my account in XXXXXXXX XXXX with XXXX and fraudulent heinous things started happening XXXX XXXX XXXX is my name XXXX  is my ( d.o.b ) also I never received my statement when I even put in a change of address from XXXXXXXX California to XXXX Washington and finally I called and made an appointment and they told me they closed my account and I was at fault u even reported fraud but they still never gave me my money please helpe I'm homeless I'm on danger I need to be ok and I'd appreciate you would see me through Thank you and God bless

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 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/22 I sent out my payment and I saw that the check was not cased. I call Wells Fargo and they said that they received the payment. The next month I received a payment that was doubled. I paid the amount. On XX/XX/22 I received late charges that I shouldn't have not been on the statement, since I called and they said that they got the payment. Please check this out and let me know if someone is making mistakes there. 
Thanks 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 monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal responded to my previous complaint that looks jus as below : It's the usual lack of responsibility. 15 years ago I had to close my bank account due to the same fraudulent activity from PayPal as it is in this case. Today I received email from PayPal that I have message on their portal but I'm blocked to use it. Suggested by PayPal addition of debit card where PayPal will send money doesn't work telling me that debit card I provided is bad. I provided two Visa debit cards info. Debit cards I use everyday for groceries, gas and pay bills. But for this poorly run PayPal company " this are bad debit cards ''. PayPal has my home address on file. 
I have requested via registered mail prior to my account was blocked to send this funds by check ( with {$1.00} surcharge ). Never heard back from PayPal, never got the check. Tried to reply to PayPal email via " reply '' button, turns out bogus email address from PayPal returned to me. 
Tried resolution center " no cases have been found '' tried using " call '' button on PayPal website- it's not dialing. 
Simple words : criminal intent company like PayPal is not to be reached. PayPal is a fraud on American market. It was naive of me to start with PayPal again after they trashed my life once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Back in XXXX  alot of fraud activities and suppose to check into causes me to pay money for transaction I didn't do. Approx 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 2023-01-23 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: CA

Complaint narrative:
MY FCRA RIGHTS HAVE BEEN VIOLATED. 
These creditors below and the credit reporting agencies are in violations of not accurately reporting a dispute status or an actual update of dispute to my reports for the 2 times I disputed on XX/XX/2022 and XX/XX/XXXX XXXX the proof of disputed certified receipts are also attached. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & Trans Union XXXX XXXX free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph file ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.

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 2023-01-23 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Acct. # last XXXX digits XXXX XXXX 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 Sectio 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Everytime i changed my passwords and user name my account was hacked online someone was trying to deposit checks from the state. After 2 times the hackers tried to deposit these checks wells fargo sent me a letter they were closing my account so my work checks wete sent back to my employers. It took me 14 days to get my checks because they were being returned necause they closed my account before tbe date they said. This was not my fault. Then the hackers got all my info and tried to open credit cards in my name

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 2023-01-23 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 Sectio 2 : It also states 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 non-monetary relief
Consumer complaint received 2023-01-23 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 Sectio 2 : It also states 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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted several letters to Experian credit company regarding a bankruptcy on my credit. I have ask for they to verify and who verified it, they havent send me a letter or nothing on the information Ive requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: TN

Complaint narrative:
Violated my consumer rights : XXXX XXXX Code XXXX - Congressional findings and statement of purpose XXXX Code ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter Account Name : XXXX XXXX XXXX Account XXXX Account Type : Collection Date open : XXXX Status : Seriously past due date/assigned to attorney, collection agency, or credit senator 's internal collection department. 

Status Updated : 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 2023-01-23 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: NY

Complaint narrative:
The list of account below have violated my Federal Protected Consumer Rights, to privacy and confidentiality under. 15 USC 1681. Which is under the Fair Credit Reporting Act. 

( XXXX  ) ACCOUNT # : XXXX. / ( XXXX XXXX XXXX XXXX XXXX ) ACCOUNT # : XXXX. / ( XXXX XXXX ) ACCOUNT # : XXXX / ( XXXX XXXX XXXX XXXX  ) ACCOUNT # : XXXX. Has violated my rights. 

U.S. Code 1681 Section 602- ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy U.S. Code 1681 Section 604- ( a ) ( 2 ) it also states a consumer reporting agency can not furnish account with out my written instruction U.S. Code 1681 Section 605- ( b ) ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18 U.S. Code 1681c - ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code 1681s -2 ( 1 ) ( a ) Reporting information with actual knowledge of errors 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 response to consumer: Closed with explanation