vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2022 XXXX {$100.00} ( {$800.00} ) withdrawals were fraudulently deducted from our personal checking account with Wells Fargo through XXXX to persons unknown to us. I contacted Wells Fargo immediately and they opened a claim and in 2 days sent a denial that they were sent by my husband 's online " secure '' transmission. He also filed a claim with Wells Fargo for fraud and theft and Wells Fargo also denied it for the same reason. We filed a police report and a " fraud '' report with the FTC and gave these reports to Wells Fargo. We were told by the fraud department that someone " updated '' my husbands email and immediately enrolled in XXXX that same day and the money was stolen. My husband did not bank online with Wells Fargo and did not even realize that he had an online account with Wells Fargo. We explained this to the fraud department at Wells Fargo that someone " hacked '' his account and stole the money. We keep getting the same answer, " sorry, your claim is denied and there is nothing we can do ''. My claim number is XXXX. My husband 's claim number 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 2022-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have tried to close my paypal account for over a week now as I no longer agree with their business practices. I tried online on multiple occasions I have called and spoken to representatives XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. They have told every time Paypal is having technical issues closing accounts but it should be resolved in XXXX to XXXX hours. I have been told the have made me a priority. I have messaged the chat agents and get the same song and dance. I feel like I am being held hostage. I have nothing outstanding on my end. I no longer agree with the terms of service and want my account closed. There is many many people having the same issue and being told the same things Ive read on social media. I just want this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: NV

Complaint narrative:
FRAUD

THIS ACCOUNT SAYS CLOSED BUT CURRENT
IT DOESNT MAKE SENSE, NOT MY ACCOUNT
ONCE AGAIN I WAS BED RIDDEN WITH COVID FOR OVER A YEAR SICK MULTIPLE TIMES, I HAD A XXXX  SCORE BUT NOT A XXXX, MY CREDIT HAS BEEN RUINED OVER THESE ACCOUNTS
ayment Status	Current
Past Due Amount	--
Highest Balance XXXX  Monthly Payment	XXXX
Times 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 2022-10-23 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: NV

Complaint narrative:
FRAUD

THIS ACCOUNT SAYS CLOSED BUT CURRENT
IT DOESNT MAKE SENSE, NOT MY ACCOUNT
ONCE AGAIN I WAS BED RIDDEN WITH COVID FOR OVER A YEAR SICK MULTIPLE TIMES, I HAD A XXXX  SCORE BUT NOT A XXXX, MY CREDIT HAS BEEN RUINED OVER THESE ACCOUNTS
ayment Status	Current
Past Due Amount	--
Highest Balance	XXXX
Monthly Payment	XXXX
Times 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 explanation
Consumer complaint received 2022-10-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX My claim has been denied by bank because my online activities was normal. So I requested copies of log-in history and I've received letter ( Files attached ). 
But it shows only XX/XX/2022 thru XX/XX/2022. ( My fraud case happened on XX/XX/2022 ). 
So I requested another pages of log-in history for XX/XX/2022 thru XX/XX/2022 by phone ( twice on XX/XX/2022 and XX/XX/2022 ) and by letter ( XX/XX/2022 ). 
They answered they would send copies by phone, but they never did, they kept ignoring my requests.

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 2022-10-23 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: EdFinancial Services
State: NV

Complaint narrative:
THIS INFORMATION IS NOT SUPPOSED TO BE ON MY CREDIT REPORT, THERE ARE MULTIPLE CLOSED ACCOUNTS THAT SAY THEY ARE REFINANCED  ALTHOUGH THEY ARE IN GOOD STANDING THIS NEEDS TO BE REMOVED THERE ARE ALMOST 20 SHOWING THE SAME. 


es 30/60/90 days late ( Last 7 years ) XXXX Additional Information XXXX XXXX XXXX XXXX XXXX Account closed due to refinance Creditor Name DEPTEDXXXX Creditor Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is everything looking correct? 
If not, you can report an inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date : XX/XX/2022 To Whom It May Concern : 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 U.S.C. 1681. 
Account name : XXXX 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.

It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( 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 the 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. 
Sincerely 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 2022-10-23 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-10-23 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: NC

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-10-23 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:
The following accounts I have listed below XXXX XXXX  XXXX XXXX/DEPT OF ED My rights have been violated in accordance with the Fair Credit Reporting Act. 

15USC 1681 SECTION 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates
State: NY

Complaint narrative:
This writer was reviewing my credit profile and saw that Lewis , McDonnell & Associates were posting negative marks on all my credit all my profiles for a debt ( account # XXXX ) that I had no knowledge of. I contacted Lewis , McDonnell & Associates multiple times in writing and by phone ( Tel : ( XXXX ) XXXX ), asking them to substantiate this debt because this is not my debt. I have been requesting that the account referenced in this letter be removed as it is not mine, but I never got a response. 

Every time I called and spoke with an agent from this company, I was told that they were reviewing the account. Then, early in XX/XX/2022, I spoke with XXXX ( Ext XXXX ) from Lewis , McDonnell & Associates, who advised that if I wanted to dispute an account, I needed to email my dispute letter to Lewis , McDonnell & Associates at email : XXXX, which this writer did. 

On Thursday, XX/XX/2022 at XXXX PM ( email attached ), I emailed ( emailed to XXXX ) and mailed ( mailed to address XXXX XXXX XXXX, XXXX, CA XXXX ) a notarized letter requesting substantiation of debt. I then called on XX/XX/2022, and spoke with XXXX, who advised that they had received my dispute letters and XXXX was assigned to review the case, but at the time, XXXX was unavailable. 

Under Section XXXX ( a ) ( XXXX ), generally, a debt collector is required to provide the validation information required by XXXX ( c ). However, it has been over 30 days and this debt has not been substantiated. 

Lewis , McDonnell & Associates violated my rights as stated as a consumer under the Fair Debt Collection Practices Act ( FDCPA ), as this debt collector has not responded to a request for a debt validation letter within 30 days. Moreover, they are reporting negatively on my credit report, which is tarnishing my credit. 


Here is Lewis , McDonnell & Associates ' contact information : XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Tel : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: NV

Complaint narrative:
THIS INFORMATION IS NOT SUPPOSED TO BE ON MY CREDIT REPORT, THERE ARE MULTIPLE CLOSED ACCOUNTS THAT SAY THEY ARE REFINANCED  ALTHOUGH THEY ARE IN GOOD STANDING THIS NEEDS TO BE REMOVED THERE ARE ALMOST 20 SHOWING THE SAME. 


es XX/XX/90 days late ( Last 7 years ) XXXX Additional Information XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX to refinance Creditor Name DEPTEDXXXX Creditor Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is everything looking correct? 
If not, you can report an inaccuracy.

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 2022-10-23 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: NV

Complaint narrative:
THIS INFORMATION IS NOT SUPPOSED TO BE ON MY CREDIT REPORT, THERE ARE MULTIPLE CLOSED ACCOUNTS THAT SAY THEY ARE REFINANCED  ALTHOUGH THEY ARE IN GOOD STANDING THIS NEEDS TO BE REMOVED THERE ARE ALMOST 20 SHOWING THE SAME. 


es XX/XX/90 days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms 120 Remarks Account closed due to refinance Creditor Name DEPTEDXXXX Creditor Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is everything looking correct? 
If not, you can report an inaccuracy.

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 2022-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: TX

Complaint narrative:
During the months of XXXX to XXXX of 2022, my checking account has been froze on many occurrences due to sending money by using XXXX. As I called the bank and told them I used XXXX a lot to send money and there is no suspicious transactions that they should be worried about, they continue to keep freezing my account whenever I use XXXX through Discover bank. I have talked to so many customer service representatives and the supervisor, they all said that this is for security purposes even if clarify with them all the XXXX transactions are legitimate. Just last week Discover bank froze my account again, I had set up payment toward my credit card, and that caused the payment to be returned even though I have sufficient funds in my checking account. Indirectly, my credit card has closed all my accounts due to the returned payment and over credit limit. The freeze from Discover bank has caused me so many problems with other institutions and nothing can be solved unless I call in to unfroze the account for XXXX transactions but this event last week has caused a lot of stress as my credit score will now be negatively effected. Why is there no call to me prior to freezing or closing my accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: NC

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: NC

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-10-23 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: Sunbit, Inc.
State: NV

Complaint narrative:
XXXX INSTALLMENT LOANS FOR THE SAME THING? ONE SAYS IT WAS CLOSED IN XXXX I WAS SICK DURING THE PANDEMIC FOR A YEAR WITH XXXX  XXXX  XXXX  TIMES, I HAVE NO RECOLLECTION Payment Information Payment Status Collection/Chargeoff Past Due Amount {$130.00} Highest Balance {$1400.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXXSUNBIT Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX {$3900.00} SUNBIT, INC XXXX Account Closed Date Closed : XX/XX/XXXX Credit Usage You're currently using 112 % of your credit limit. 

30 % ( Stay below ) 112 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$3500.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$640.00} Highest Balance {$3900.00} Monthly Payment {$120.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms 0 Remarks -- Creditor Name SUNBIT, INC Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX {$1800.00} XXXX/SUNBIT XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Installment sales contract Date Opened XX/XX/XXXX Credit Limit -- Payment Information XXXX XXXX Collection/Chargeoff Past Due Amount {$920.00} Highest Balance {$2300.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last XXXX  years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX/SUNBIT Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX everything looking correct ? 
If not, you can report an inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: LA

Complaint narrative:
15 USC 1681c-2 VIOLATION BY EXPERIAN, WHO IS CONTINUING TO FRAUDULENTLY VERIFY AND REPORT FRAUDULENT INFORMATION AGAINST THE CONSUMERS ACCOUNT. EXPERIAN HAS ENGAGED IN THE FRAUDULENT SALE AND TRANSFER OF CONSUMERS INFORMATION.

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 2022-10-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My personal information continues to get mixed with my father whose name is XXXX XXXX, XXXX. I continuously request the bureaus to correct my personal information with no results.

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