vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
I have a plan with XXXX XXXX XXXX XXXX. This plan does not allow for automatic pay to be set up. Automatic pay mean money out my bank Account automatically every pay cycle. Some how one of XXXX XXXX XXXX employees manage to take money out my bank account which had to bargain by M & T bank. Therefore this was consider bank fraud.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2023-02-08 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:
Experian continues to report a collection on my account in violation of 15 USC 1681a ( 1 ), 15 USC 1681b ( a ) ( 2 )

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 2023-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
keep receiving XXXX  calls XXXX  insults from creditor, please remove from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My bank account was incorrectly charged high over draft fees. As well my account got incorrect frozen.

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 2023-02-08 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: NY

Complaint narrative:
My name is XXXX XXXX, and I am a consumer submitting this complaint on the behalf of myself without the influence of any third party being involved. XXXX is furnishing tradelines on my consumer credit file that is a result of aggravated identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you XXXX XXXX, TransUnion, and XXXX did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization.

Per the FCRA any account resulting from aggravated identity theft is to be blocked within 4 days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file. 
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX ) 3. the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not transactions made by the consumer.

P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud. 

Regards XXXX ; XXXX Without prejudice, all natural inalienable rights reserved.

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 2023-02-08 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:
My name is XXXX XXXX, and I am a consumer submitting this complaint on the behalf of myself without the influence of any third party being involved. XXXX is furnishing tradelines on my consumer credit file that is a result of aggravated identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you XXXX XXXX, XXXX, and Equifax did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization. 
Per the FCRA any account resulting from aggravated identity theft is to be blocked within 4 days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file. 
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : XXXX ). a copy of an identity theft report ; ( Report # XXXX ) XXXX the identification of such information by the consumer ; and XXXX ). statement by the consumer that the information is not transactions made by the consumer. 

P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud. 

Regards XXXX ; XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting the incorrect address on my credit report. The only address that I receive mail at is XXXXXXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, CA 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 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
The following Transaction IDs that I did file a dispute in PayPal 's XXXX XXXX they are all entitled to a XXXX XXXX  under XXXX by laws to use their logo my complaints keep disappearing from the Open and Closed XXXX XXXX  I have take the time to find them which in order to even find them I had to download a transaction history because for some reason they were not showing up in the online transactions. I think there are several others but this complaint is to demand that XXXX XXXX is now disputing all ATM transactions that are in the XXXX  day limit per XXXX by laws. 

XXXX, XXXX, XXXX, XXXX, XXXX, Transaction IDs that I am entitled to a XXXX XXXX BASED ON THE XXXX Day XXXX rules and regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: GA

Complaint narrative:
XX/XX/XXXX Equifax removed XXXX XXXX # XXXX from my credit report due to a dispute I filed proving I am not the owner of this account. This account belongs to someone with a totally different middle and last name. I provided sufficient identicication proof that the XXXX XXXX account is a mistake due to credit file merging. 

on XX/XX/XXXX XXXX XXXX # XXXX was added back to my Equifax credit report along with the name of the owner of the account in question. 

Proof of Equifax XXXX and Police report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2023-02-08 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 Account # 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 2023-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023, {$35000.00} was transferred from my savings to my checking on a scam, from a XXXXXXXX XXXX  telling me that wrong amount was sent and I need to do a wire transfer to give them the money back, they should have only giving me a refund of {$350.00}. Unbeknownst to me they were able to get into my checking/savings account and move my monies. I immediately called the bank the next day and explained what happened, they took report etc. I filed a report with the Police Dept. as well as the FBI. I did not do an online transfer of the {$3500.00}, that was moved. My online Chase acct did not shut down apparently and they were able to move these funds while I was at the bank, and unfortunately I didnt go back into my acct until XXXX, when found the error. 

The bank says there is nothing they can do. What is an FDIC if it is not to protect and help XXXX customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: IL

Complaint narrative:
I recently contacted Transunion to remove the inaccurate spelling of my name and was met with negative results. I have recently been a victim of identity theft. I am distressed about the incorrect information appearing on my report. Credit reporting laws ensure that bureaus report 100 % of accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
company charged me XXXX annual fee then said my card was fraudulent when I tried to change my address and said they had sent me letters and closed my account and said I would have to re apply and pay a new annual fee. I used the card for a short period of time paying off the balance every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc.
State: WI

Complaint narrative:
I had a family pass for bio XXXX XXXX. It was paid by auto pay from my bank account every month starting XX/XX/2022. Now Im getting a debt letter saying I owe for XXXX and XXXX. But it was paid up. I never used the membership and called XXXX XXXX about discount for following year. They were to send me something in mail and email. But instead I got a debt agency letter saying I owe money. When I called them they ask for whole year monies! Which was auto paid through my bank. XXXX XXXX XXXX is the one I was talking to and he kept changing amount of money to more and more. Bullying me to pay up. Then when I said this is fraud and I was going to report it He hung up. I tried calling back and it automatically hung up. 


He threatens my credit. Associated credit services account number XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
XXXX XXXX does not fully disclose the predatory features of their loans. 
They were supposed to give me 90 days of interest free financing. I had automatic payments set up with my bank account. They are telling me that I " missed a payment '' during the 90 day period which made me " ineligible '' for the interest free financing. 

The rate they are charging me ( 133 % ) is WAY over the maximum Rate Cap in California where I reside. There is apparently a " loophole '' with XXXX when using " XXXX XXXX ''. However - my disclosures clearly state that the Loan is funded and serviced through XXXX, not XXXX. This interest rate is insanely predatory someone needs to hold XXXX XXXX accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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

Complaint narrative:
Good day My complaint about Paypal Inc.for giving my account a violation which is not happened ( Ref ID - XXXX ). 
I need help with my Paypal account email XXXX to restored and remove the limitation because in XX/XX/XXXX XXXX XXXX utc i received email from Paypal Inc. that my account is limited that i can no longer use my account due to reason of ( sale of unapprove file sharing ) which is not true also they hold my funds making me unable to withdraw.I taking care of my account to avoid dispute or any violation of Paypal terms and condition my account is more than 5 years and maintaining good transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
keep receiving harassing calls threats insults from creditor, per the fair credit reporting act i never share or gave anyone authorization to share my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I received several phone calls from a private number, which I do not answer. When the last phone call was made by the unknown caller, I sent the call straight to voicemail. That is when I was able to reveal who was calling. The repeated calls were made by Wells Fargo trying to collect the debt at XXXXXXXX XXXX on XX/XX/2023. They then left a text XXXX to please call XXXX. When I returned the call it was Wells Fargo. On the first initial call, I could not provide the account number which prompted me to have to call back again. I talked to XXXX XXXX ( believed spelling ). I was told multiple attempts was tried to contact me. Which is another case in itself. At this time my rights was violated under the FDCPA. No debt collectors is allowed to call at unusual times. I was harassed by the annoyance of these calls and also being awoken out of my sleep. I would also like to mention that was never contacted by mail with this recent issue nor debt. I would also like to mention, upon further review of paperwork previously sent by Wells Fargo, this account may be fraudulent.

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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
in the past 2 years i tried to fix my credit. i had some delinquent accounts. i contacted all of them and asked if i could make a payment for less but they would except it as payment in full and would ask the credit agency to remove them from my credit report. all agreed to do so. to my surprise i found out there were 4 companies who didn't do as they agreed to do after paid. ( i owed about 12 companies ) i than contacted each of the 4 of them with no success of having these negative accounts being removed after they agreed to do so. it was a bait and switch tell me anything to get paid and then not do what you said. i am at wits end. I don't know where to turn that's why im contacting you. The name of the companies are Barclays Bank partial acc # XXXX, XXXX XXXX partial acc # XXXX, XXXXXXXX XXXX XXXX acc # XXXX, XXXX XXXX XXXX partial acc # XXXX. i would appreciate any help you can give me in removing these items. Also there are 3 self reporting items that should be removed they are on my report and shouldn't be, as i just wouldn't allow a company into my bank account anymore to see that they are paid as i didn't feel comfortable with a credit company in my 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 explanation
Consumer complaint received 2023-02-08 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
PayPal Credit-Synchrony Bank closed my account and reported it to the credit bureaus as settled. This lowered my credit score significantly. 

I contacted PayPal Credit and was told the account was closed due to two missed payments. I have not missed payments. My account, which was open for years, had monthly scheduled automatic ACH payments through my bank account. My account details did not change and funds were available. My bank ran a report of my account activity. The report verified that I had XXXX overdrafts or returned payments. The report also confirmed that PayPal Credit did not present my scheduled ACH for payment during the months in question. 

I provided this information to PayPal Credit. They reinstated my account without my permission, now there is derogatory reporting due to the combination of the settled account and new account reporting errors. 

The final issue is that PayPal Credit has not resolved the reason my automatic draft was not presented for payment. They have directed me to resolve this matter with PayPal Customer Support. PayPal Customer Support could not resolve and deferred back to PayPal Credit. I am without resolution.

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