vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Company involved : PayPal Inc On XX/XX/XXXX I received XXXX payments, XXXX from XXXX XXXX and another one from XXXX XXXX for {$39.00} and {$11.00} which I didnt recognize or was expecting so I suspected were a scam. On XX/XX/XXXX I called Paypal to report this and was helped by XXXX. I asked her what to do with these payments as I suspected were a scam or stolen money, she advised me to refund the payments and that no money was going to be taken from me. I refunded them while I was on the phone with her. My balance on Paypal decreased when I completed those refunds. I realized the funds from the refunds were also taken from my bank account. I contacted Paypal but they are giving me the run around, the representative XXXX reversed the fees for those refunds which were about {$0.00} and {$1.00} but I would like Paypal to refund me the {$39.00} and {$11.00} to my paypal balance because they are already taking it from my Bank account. If refunding the payments was not the correct course of action, I should have been advised by Paypal when I called to report this. In addition there was another scammer who sent me a bogus payment for {$60.00} on XX/XX/XXXX and the the person filed a dispute claiming they didn't receive the item they bought from me. Stating they ordered from a website that has been XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc
State: IN

Complaint narrative:
The first problem is the loan is in my Husband name. XXXX XXXX of XXXX XXXX XXXX XXXX, Ohio XXXX. It's with Harley Davidson Financial Services. I turned the motorcycle over to a bike shop to remove the add ons I placed on the bike and per Harley Davidson Financial I advise the bike shop owner to contact XXXX XXXX and get the bike. The XXXX  XXXX is not in my possession and I am still being harassed by Harley. I have given them XXXX number and address and told them to leave me alone. Please make them stop contacting me.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of identity theft. Someone in XXXX XXXX, XXXX  opened a XXXX account in my name and then did not pay the bill. So now it has severely damaged my credit. I filed a report with the XXXX, XXXX  police dept. but because the fraud occurred in XXXX XXXX, XXXX, it is out of their jurisdiction. Experian said Im needed to file a report we FTC who transferred me to your website. The address on the report is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I have never lived in XXXX. I contacted XXXX and they have removed the charge, from me, but Experian refuses to correct the error. Both XXXX and XXXX have corrected my file, but experian has not and said they can't without a, report from the FTC. Can you please help me as this has been going on for months and the stress is affecting my health. I am XXXX XXXX old and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX Bank XXXX XXXX processed a hard inquiry on my credit report on XXXX XXXX. This was done without my knowledge, permission, or consent. When asked for the reason of the inquiry, they stated it was for " account assessment ''. They refuse to remove the hard inquiry from my account, despite the fact that this was done without any reason, and for no purpose. Again, this was done without my permission and consent.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Never open up a XXXX XXXX credit card from XXXX to XXXX. This is fraud and theft. This is on my credit report from 3 credit bureaus and needs to be remove immediately. The account #  on my credit report is 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Never open up a XXXX XXXX  credit card from XXXX to XXXX. This is fraud and theft. This is on my credit report from 3 credit bureaus and needs to be remove immediately. The account # on my credit report is 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: 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: TX

Complaint narrative:
Never open up a XXXX XXXX XXXX XXXX from XXXX to XXXX. This is fraud and theft. This is on my credit report from 3 credit bureaus and needs to be remove immediately. The account # on my credit report is 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: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XXXX I had made a payment of {$560.00} on my app at Wells Fargo when I logged in it had a notification if I had made these transactions I said yes they were my transactions on XXXX. Then I called Wells Fargo and I talked to somebody they said they were going to send me a six digit code through text message and when I got it I said it to them they put it into their system and they said no further action is going to be on my account. Then on XXXX they did a provisional credit for claim. I did not ask for this claim they did it all on their own because I had taken care of the claim supposedly on XXXX. And then on XXXX they took this provisional credit and claim out of my account and they put me in overdraft of {$560.00}.

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: Experian Information Solutions 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 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: Nelnet, Inc.
State: CT

Complaint narrative:
The Department of Ed ( Nelnet ) is my newest student loan provider. They are showing on my credit report that these are loans being reviewed over the last 2 months, yet I have had these loans for over 60 months, actually since XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX My credit report shows they were opened in XXXX, which I do not understand. 
I have been paying these loans on time ever since I was eligible to pay them back since graduating in XXXX. When the pandemic hit, student loans were deferred, allowing no payments to be made without penalty. I have {$0.00} in past due amounts and {$0.00} in late fees. Yet, Nelnet is affecting my current XXXX XXXX by saying they are reviewing it for only 2 months and reported these loans on XX/XX/XXXX. 
I am writing because I would like these to be removed from or changed on my credit report. I am refinancing a mortgage and have great credit. This is affecting my credit negatively and unfairly. The CARES act provided assistance during the onset of the XXXX pandemic for student loans and this falls firmly under that category. I should not be penalized for this on my credit report. 
The loan amounts are {$2800.00} and {$570.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
My war with Wells Fargo Bank began XX/XX/2020. I made a {$1300.00} transfer from my XXXX  checking account to XXXX XXXX in XXXX, Alaska. Transfer went through but to a XXXX XXXX XXXX account located in Texas. This was the time XXXX was being accused of having fake accounts and transferring money into those accounts. I feel this is what happened to me as I do not have any bank accounts in Texas. I contacted XXXX immediately and was informed that this was a bank fraud and I went through that process. I was told that all XXXX had to do was contact the bank in Texas and dispute the transaction. They would not do this. A few days later, my XXXX checking account was closed without my knowledge or any prior notice. 

I have fought this for almost 18 months and have filed appeals on the XXXX decision. Their ultimate decision was that I " authorized '' the transfer. I have argued that the money went into an account that was not mine. I was told they " didn't care if the money went to XXXX XXXX, I authorized the transfer ''. This is totally a case of fraud and using my money for their advantage.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am unable to access of my credit information from Equifax. They say that they have no information on me, even though I'm able to access my XXXX and XXXX accounts and reports. Equifax has told me to send them my personal information ( name, address, driver 's license and social security card ) in order to access my information. I faxed it to them in XXXX of XXXX, and never heard back from them. I mailed it to them again in XXXX of XXXX, and did not hear back. 

The most recent time I called them ( XX/XX/XXXX ), they told me for the first time to get in contact with my creditors, since Equifax says they don't have information from them. I think this is unlikely to be the issue, since both XXXX and XXXX have my credit history from both XXXX and XXXX. I have mailed a letter ( on XX/XX/XXXX ) to XXXX to confirm that they are providing my information to Equifax.

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 — Investigation took more than 30 days
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
On XX/XX/XXXX I called Consumer Adjusment Co to verify their mailing address because it is forever changing and the address they had listed on their website vs the address they had listed on my credit report was different. The address on their website was supposedly accurate ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while the address on my consumer report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was listed as " out of business '' on XXXX, but that's recently been adjusted and now there's a new address on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which does not exist and shows up only as XXXX XXXX XXXX and nothing in that building has them listed as business. So figuring out which address was unreasonably confusing and once I got confirmation over the phone what the correct address was ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I mailed out a request for debt validation on XX/XX/XXXX via certified mail ( Tracking no. : XXXX XXXX XXXX XXXX XXXX ). This notice was marked as delivered on XX/XX/XXXX as " Left with an Individual/Front Desk '' . 

To this day, XX/XX/XXXX, Consumer Adjustment Co has completely failed to respond to my request for debt validation AND remove the item from my consumer reports. I have allowed several additional business days to account for the possibility of mail being slow and I have received nothing. Because they have failed respond at all they must remove the account from my consumer report, they are, at the very least, also in violation of 12 CFR 1006.34c, 12 CFR 1006.42, Regulation F, and 15 USC 1692g.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a full amount of {$620.00} in the mail to XXXX and they should have received it on the XXXX of XX/XX/2023. They stated that the amount is not paid in full when it is in fact paid off and I have sent a full payment amount. I expect that at the end of the month they will remove the account off of my credit and show that it is paid off in full on XX/XX/2023. It is financial harassment and false reporting to continue to harass me for money I do not owe. I have sent the full amount of {$620.00} which is more that I owe, and I am now pursuing legal action against XXXX XXXX. I expect that my account will show as paid in full at the end of XX/XX/2023. I have sent the payment and they have received it. It is their fault if they claim to not receive it. It is no longer my responsibility once it gets to them. I am sick and tired of their poor customer service and I am now pursuing legal action against XXXX for XXXX XXXX and fraud. I want it off my credit report at the end of this month and I have already sent the payment so it better show paid in full.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
incorrect personal information names XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXXXXXX 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 Employments 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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Did applied for well forgo credit card in XXXXSomeone did this without my consent which is theft and fraud. This needs to be removed from my credit report immediately. The account # on my credit report is 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: 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: GA

Complaint narrative:
An account from XXXX XXXX XXXX  reported on my credit report without my knowledge from the credit bureaus. This ground for removal they also violated my rights under 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 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: GA

Complaint narrative:
An account from XXXX XXXX XX/XX/XXXXreported on my credit report without my knowledge from the credit bureaus. This ground for removal they also violated my rights under 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 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: OH

Complaint narrative:
XXXX XXXX XXXX. Bought a car voluntary surrendered. Recieved balance after the surrender. Paid it off. XXXX XXXX  refuses to fix on credit report as paid stays shows in repossession still on credit report does say balance XXXX. Was agreed when paid they would remove it completely off credit. Have disputed it 6 times in the last few years.

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: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I am writing to dispute an unauthorized draft attempt in the amount of {$130.00} from my XXXX XXXX checking account ending in XXXX, on XX/XX/2023, XX/XX/2023, and XX/XX/2023. 
The charges are in error because I did not give permission for auto draft payments to draft from my account ending in XXXX, rather I gave permission for the bi-weekly drafts to be drafted from my XXXX XXXX checking account ending in XXXX ONLY. 
Due to One Main Financial agents negligence, I have suffered embarrassment and financial hardship, because I was charged overdraft fees from my rental office for rent payments I scheduled with them. I also received overdraft fees from XXXX XXXX XXXX XXXX. 
The overdraft and return check fees charged in total = {$110.00} I am requesting that the error be corrected, that the {$110.00} in return check fees and overdraft fees be paid directly to me by check from OneMain Financial immediately.

Company response to consumer: Closed with 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: 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 U.S.C 1681. 

XX/XX/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: 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: 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 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