vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Inactive modal Consumer Financial Protection Bureau Start a new complaint All complaints XXXX Print complaint CLOSED Submitted Banking overdraft fees grace periods too bring account to positive balances, are just a scam, to further financially harm American retail consumers. 

Wells Fargo must supply to me with a copy of a document which they purportedly say I signed for overdraft fees and to pay certain bills that come through to my accounts. As far as am concerned, I did not voluntarily opt into overdraft fees but their banking or transacting system signed me up by default. Furthermore, I need evidence to support that I opted into Wells Fargo overdraft fees. 

I do not agree with excessive overdraft fees this bank continues to charge from me. I need evidence of a copy of opt in document that the bank alleges I signed to their excessive overdraft fees. This banks charges {$35.00} per dollar paid. 

Wells Fargo also decides and chooses which of incoming transactions are paid by them at their XXXX discretion without my input or consent from consumer, which in return harms finances and causes emotional damage and despair. Thus, I need proof that this bank is not just engaging in predatory banking, and fees imposed on its vulnerable consumers. I also need a document that shows I really signed a consent to approve of their overdraft fees and discretionary payments to my creditors. Please provide proof of consent. 

I strongly believe Wells Fargos overdraft fees are excess, predatory and discriminatory to minority consumers.Therefore, I need a refund for fees charged because this banks has always declined to pay for certain debits in excess of {$35.00} but only pays those below {$1.00} so that they can make profits. 

Wells Fargo bank needs oversight in its abusive and predatory banking practices and the way it treats low income low net-worth customers. 

The overdraft fees are too excessive and predatory which negatively and financially harms people of color and other low net-worth consumers. Please do something. 

They practice predictors banking and choose to decline paying or pay creditors for incoming bills to my account, but they are selective on who want what bills are paid. 

They only pay for certain transactions when they know they will make profit, with no regard to negative effects on its low net worth consumers. 

Their new tactics of grace periods to allow customers to make payment to bring accounts to positive balance is a way to cause more harm and to make more profits from Vulnerable customers especially people of color, like me. 

I need all fees charged as a result of forced overdraft fees to be refunded. 

Thank you. 

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 explanation
Consumer complaint received 2022-11-30 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: PA

Complaint narrative:
XXXX XXXX and XXXX are ruining my life. My report has been compromised and used illegally without consent and permission. XXXX XXXX XXXX. and Portfolio Recovery associates have illegally accessed my report without consent. I have the right to privacy and have never given anyone written permission to furnish these accounts. My rights have been violated and laws broken. I will contact my lawyer and sue is these derogatory marks are not removed. XXXX and Portfolio are not legally allowed to collect in Pennsylvania. This is identity theft and harassment as well as a violation of my rights and consumer law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 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: PA

Complaint narrative:
Equifax XXXX and XXXX are ruining my life. My report has been compromised and used illegally without consent and permission. XXXX XXXX XXXX. and XXXX XXXX associates have illegally accessed my report without consent. I have the right to privacy and have never given anyone written permission to furnish these accounts. My rights have been violated and laws broken. I will contact my lawyer and sue is these derogatory marks are not removed. XXXX and XXXX are not legally allowed to collect in Pennsylvania. This is identity theft and harassment as well as a violation of my rights and consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
I received a letter in the mail asking that I send ( snail mail ) or fax an original utility bill or bank statement, front and back copy of my social security card and from and back of my drivers license. I called their customer service and told them I do not feel comfortable mailing or faxing this kind of personal information. I am worried about identity theft. I asked if they had a secure portal to submit such information. They said no. I spoke to a manager also. Same answers. When I asked what triggered this letter, they said they are updating my file. I dont know why they need this info, but if I could securely submit it, I would.

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: CA

Complaint narrative:
As evidenced by the certified mail receipt # XXXX, Experian received notice on XX/XX/XXXX of XXXX XXXX XXXX XXXX XXXXXXXX, Exhibit/credit report to support the violations attributing to the defamation of character claims, and an invoice ; all provided in good faith as a way of resolving this matter without having to proceed with litigation. There has not been any correspondence from the company. Since the year XXXX, Experian has been made aware of inaccuracies on the credit report that have been harmful to the consumer and continues to justify these inaccuracies and other erroneous data based on verification that does not involve the consumer. As provided attached exhibit ; this company is clearly unruly and does not have the best interest of the consumer or the banking system in mind, as there is currently a {$22.00} million class action settlement due to their noncompliance as it pertains to incorrect information on the consumer 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 2022-11-30 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

For the following account : Acct name : XXXX  Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. 

I still have not received written confirmation of these actions.

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I ask new card and never received.

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 2022-11-30 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I sold a property. The closing attorney paid off the balance with Wells Fargo on XX/XX/XXXX. As of XX/XX/XXXX, Wells Fargo still lists the balance as unpaid and filed a XXXX  day late report with XXXX and XXXX. I disputed this fact. But Wells Fargo reconfirmed that the full balance is still owed. However, I am in possession of a XXXX statement and a letter from Wells Fargo stating that the account is closed. I tried to dispute the reports again, submitting this information to no avail. The bureaus responded that the investigation is closed.

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 2022-11-30 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: IL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: OK

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

Equifax is govern by 15 USC 1681. And they violated my rights numerous times I demand the accounts listed below to be removed because According to 15 USC 1681 ; I have the right to privacy and i did not give equifax written permission to furnish these accounts. 

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 iters of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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. 
Accounts 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There is a XXXX  XXXX bankruptcy from 2014 reporting on my credit report. When the bankruptcy was disputed, I received a letter back from the credit bureau stating that the bankruptcy information was verified by XXXX XXXX. I contacted XXXX XXXX and asked them to confirm and validate the record of XXXX XXXX bankruptcy being reported on my credit report. XXXX XXXX responds with a report showing that they do not have a record of any kind of bankruptcy under my name. I was also a part of a class action lawsuit against XXXX XXXX for providing inaccurate information to the credit bureaus and similar entities.

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 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There is a XXXX XXXX bankruptcy from 2014 reporting on my credit report. When the bankruptcy was disputed, I received a letter back from the credit bureau stating that the bankruptcy information was verified by XXXX XXXX. I contacted XXXX XXXX and asked them to confirm and validate the record of XXXX  XXXX bankruptcy being reported on my credit report. XXXX XXXX responds with a report showing that they do not have a record of any kind of bankruptcy under my name. I was also a part of a class action lawsuit against XXXX XXXX for providing inaccurate information to the credit bureaus and similar entities.

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 2022-11-30 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 XXXX XXXX XXXX. 

Acct name : XXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct XXXX XXXX Acct name : XXXX Acct # XXXX Acct name XXXX XXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXX  Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX Acct # XXXX Acct name : XXXX XXXX XXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXX BANK, Acct # XXXX Acct name : XXXX XXXX XXXX  Acct 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 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 2022-11-30 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. 

Acct name : XXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct XXXX XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX  XXXX, Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX  Acct # XXXX Acct name : XXXX XXXX  XXXX Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXX XXXX Acct # XXXX Acct name : XXXX XXXX XXXX  Acct 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 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 2022-11-30 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX is still reporting an account as well as the address in my personal information. That account was supposed to stop reporting for all three credit bureaus Per NATIONAL CREDIT SYSTEM. I've taken a substantial hit on my credit from this account constantly being reported as a verified item when this account wasn't mine. Now even after it's revealed that it doesn't belong to me it's still reporting and harming my credit. I've attached the previous CFPB claim that I submitted for this account. Attached I've included the XXXX credit reports. ( XX/XX/XXXX to show the fraud account and address reporting with my score of XXXX, XXXX showing my score of XXXX without the fraud account but with the fraud address, XX/XX/XXXX showing my score of XXXX with a reinserted fraud account reporting on my credit report without the name of NATIONAL CREDIT SYSTEM showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2022-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I have contacted the company and they were collecting debt from someone other than me. i did not authorize or sign for any debt, and my ex wife not legally my wife provided false information to the debt company making flase claims its my debt and the collection agency altered the debt collection and stated that im the biological father and therefore its my debt. this is not a legally permissible way to incur debt, an my ex wife provided no information that legally they could add my name to a debt owed by her she is the custodial parent and is in charge of the medical invoices. i provide medical insurance. i have not signing authority for her medical

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: SC

Complaint narrative:
This account has not been properly verified for inaccuracies. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Every bureau is reporting a different date of last activity and date opened for this 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