vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 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 number : XXXX, Account name : XXXX, reporting on XXXX, Equifax, and XXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX  XXXX and XXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX Equifax has violated my rights. 

Account number : XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX  XXXX has violated my rights. Reporting twice! 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Reporting twice! 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: IL

Complaint narrative:
The below mentioned collection accounts are reporting as " open '' accounts with XXXX and Transunion. The accounts are reporting incorrectly and inaccurate. I have sent several disputes to XXXX and Transunion regarding this issue. Please have the accounts removed. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. 

ACCOUNT NAME : 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 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Excessive fees were taken from my accounts.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I once had a checking account with Wells fargo and it was closed due to charges that was not authorized. They would look into it they just closed the account. I have tried to open a new one but have been denied. I do have my savings account but no checking 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 2023-01-20 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: PA

Complaint narrative:
XXXX XXXX XXXX Account number XXXX is and has been reporting as a collection on my Equifax report in XX/XX/2019 for {$650.00} and was updated in XXXX. I called them and was not provided any information. I also completed a police report. this wrong information has impacted my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
6 accounts were opened under my name by one of your managers in the PA locations. ( XXXX XXXX XXXX  ) Done without my knowledge..district manager involved..district manager took care of issues but I was never credited all the fees I had to pay out of pocket in order to rectify dispute! Promised I would be reimbursed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Money was getting token out by a person not on my account on my occasions

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been a Wells Fargo customer for over 25 years. I have had both checking and savings accounts and credit cards opened in my name without my application and without my knowledge. I have contacted Wells Fargo a couple of times to have the accounts closed and canceled from my history, but I can still see the accounts when banking online, and occasionally I even get statements from them. Im not sure how or why Wells Fargo thinks they can open up accounts in peoples name without their knowledge or permission.

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 2023-01-20 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : U S DEPT OF EDXXXX Account : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, Account : XXXX U S DEPT OF ED/XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX, Account : XXXX 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 2023-01-20 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: KS

Complaint narrative:
My credit reports generated by Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1. HIgh Balance, 2.Last activity and 3. Last payment which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name Experian XXXX High Balance {$0.00} {$3100.00} Last activity XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Unfairly charged bank fees.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I know i fund in my account to cover what i just bought or repayment would cover but then i would have over draft charge sometime on overdraft charges

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 2023-01-20 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: 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 number : XXXX, Account name : XXXX, reporting on XXXX, XXXX, and Transunion has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX  XXXX and Transunion has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX  XXXX has violated my rights. Reporting twice! 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX  XXXX has violated my rights. Reporting twice! 

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 2023-01-20 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: 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 XXXX XXXX XXXX. 

Account number : XXXX, Account name : XXXX, reporting on Experian, XXXX, and XXXX has violated XXXX rights. 

Account number : XXXX Account name : XXXX XXXX XXXX  Experian and XXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Experian has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Experian has violated my rights. Reporting twice! 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Experian has violated my rights. Reporting twice! 

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 2023-01-20 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:
On XX/XX/XXXX I received an alert from my credit monitoring service that there was a new collection of {$1600.00} being reported by " XXXX XXXX '' from a physician that I have never been to, never been contacted by, and never heard of. The original collector is " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and is located in XXXX XXXX, Tx and I live in XXXX, Tx over 4 hours away. After researching this physicians office, I learned that the address and picture is to a restaurant in XXXX XXXX has no website and reviews are full of people complaining about the same thing I am reporting to which is a fraudulent scam. 
Transunion has reported that the account was " Opened '' on XX/XX/XXXX with the " report date '' and " date of last activity '' of XX/XX/XXXX. On the other hand, XXXX has an " open date '' of XXXX, a " report date '' of XXXX, and a " date of last activity '' of XXXX. 
This dates have obviously been falsified because it has not even been a year of this company trying to collect a debt from me and the dates do not match up.

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 2023-01-20 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:
On XX/XX/XXXX I received an alert from my credit monitoring service that there was a new collection of {$1600.00} being reported by " XXXX XXXX '' from a physician that I have never been to, never been contacted by, and never heard of. The original collector is " XXXX XXXX XXXX XXXX XXXX XXXX '' and is located in XXXX XXXXXXXX, Tx and I live in XXXX, Tx over 4 hours away. After researching this physicians office, I learned that the address and picture is to a restaurant in XXXX XXXX has no website and reviews are full of people complaining about the same thing I am reporting to which is a fraudulent scam. 
XXXX has reported that the account was " Opened '' on XX/XX/XXXX with the " report date '' and " date of last activity '' of XX/XX/XXXX. On the other hand, Experian has an " open date '' of XXXX, a " report date '' of XXXX, and a " date of last activity '' of XXXX. 
This dates have obviously been falsified because it has not even been a year of this company trying to collect a debt from me and the dates do not match up.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was charged overdraft fees when I shouldnt have.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XX/XX/2022, My account was closed and I Was given no explanation as to why. I used that as a personal account in order to pay my bills and to cover my living expenses. When I tried to apply and make a new checking account they said I cant. I have {$120.00} balance with Wells Fargo and am looking to pay it In order to get my account back up and running.

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 2023-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
Affirm withdrew 5 times the auto bill payment from my checking account creating all sorts of issues for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: EQUIFAX, INC.
State: KS

Complaint narrative:
My credit reports generated by XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of XXXX. HIgh Balance, XXXX activity and XXXX. Last payment which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Equifax High Balance {$0.00} {$3100.00} Last activity XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I don't have all the information but wells Fargo is always doing this and taking money I constantly had to call them to figure it out

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I had a savings account linked to my checking account. When funds got too low in my checking account, it was automated to pull from my savings to cover. I was being charged {$12.00} everytime funds from savings were used. Even though I agreed to have the funds sent over. I was never told of a fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: KS

Complaint narrative:
My credit reports generated by Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1..Last activity and 2. Last payment which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 

Name Experian XXXX XXXX activity XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed. 

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED. -

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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc.
State: MI

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 Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 response to consumer: Closed with explanation