vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 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: 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 XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXXXXXX acct XXXX XXXX, XXXX XXXX acct # XXXX, XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct XXXX XXXX, XXXX XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, and XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-02-13 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: MA

Complaint narrative:
I am filing this complaint against Wells Fargo Bank, specifically their adjustments area. I work in the XXXX Department for XXXX Bank XXXX XXXX, Massachusetts. This complaint is on behalf of XXXX of our customers. Our customer wrote a check in the amount of {$1000.00} for payment to XXXX XXXX XXXX in XXXX of 2022. The check was cashed/deposited by someone else who has a Wells Fargo account XXXX XX/XX/2022. Wells Fargo stamped the back of the check with an Absence of Endorsement Guarantee, guaranteeing the funds were to be credited to the payee on the check even with the absense of an endorsement. The funds were not credited to XXXX XXXX XXXX as they do not have their account with Wells Fargo. XXXX XXXX XXXX has sent letters to our customer ( which I have forwarded to Wells Fargo on at least XXXX different occasions ) stating they never received or negotiated the payment, and therefore have not received the credit for the payment that is due them. I have been trying since last XXXX to resolve this issue for our customer and get her money back. I have sent numerous requests including all necessary documentation requesting Wells Fargo look into this and provide a credit to us as they accepted a check to an account that's not in the name of XXXX XXXX XXXX that was made payable to XXXX XXXX XXXX. I have sent emails, faxes, letters, to multiple addresses, fax numbers etc. to Wells Fargo, per the instruction of Wells Fargo employees only for all requests to be ignored. I just can not get anyone at Wells Fargo to assist us and I don't understand how this is acceptable.

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 2023-02-13 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:
I only asking for the check refund I dont received yet

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 2023-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NY

Complaint narrative:
I provided an invoice to a consulting client, XXXX, from my company, XXXX XXXX, XXXX. for XXXX consulting services. The total amount was {$5000.00}. The invoice was paid on XX/XX/2023. 

My account with XXXX XXXX XXXX was then closed, the money was locked, and all support workflows are closed to customers with closed accounts. I submitted documentation - including XXXX formation docs, invoice, contract between XXXX and myself, and email confirmation of the payment from the customer 's team. The account was then closed immediately and all money locked, with no additional appeals possible. 

I have tried to refund the payment to XXXX, which can't be done, and I am unable to transfer to cash out either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
XXXX XXXX XXXX is reporting to my chexsystem that I owe them {$600.00}. I called XXXX XXXX XXXX and they said they do not see my having a balance. When I asked them to remove this from my chexsystem they said they could not do so because it would affect their rights to report to any credit bureaus. I need this fixed ASAP

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 2023-02-13 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: 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 XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct XXXX XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct XXXX XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, and XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-02-13 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: 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 XXXX ( XXXX XXXX ) account # XXXX, XXXXXXXX XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX  acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXXs acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct XXXX XXXX, XXXX  XXXX  acct # XXXX, XXXX XXXX  XXXX acct # XXXX, XXXX  XXXX acct XXXX XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, and XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-02-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My sons student checking account was charged in error for my PayPal credit line and PayPal XXXX payments. 

When we noticed the error, we immediately reached out to Paypal to advise them that the withdraw ATTEMPTS were not authorized. 

PayPal stated when I linked my bank, their system automatically added ALL my families XXXX XXXX XXXX accounts- including my students checking account. 

PayPal eventually removed his checking account # from their system but in the interim, since they attempted to charge his account- he has {$120.00} in NSF bank fees. 

I requested PAYPAL to be reimbursed since he nor I authorized his student checking account to be charged. XXXX only XXXX XXXX XXXX and has no credit cards. 

PayPal denied my request and stated I would need to reach out to my bank to have them reverse the NSF fees. However, our bank, XXXX XXXX XXXX will not reverse the fees because they said its not their error but rather XXXX error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13 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: GA

Complaint narrative:
XXXX, XXXX, and Experian is committing FRAUD and they've failed to remove the inaccurate accounts on my consumer profile which is causing me harm, stress, and damaging my consumer profile. 

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. 

XXXX XXXX XXXX XXXX : # XXXX - XXXX XXXXXXXX : # XXXX - XXXX XXXX : # XXXX - XXXX XXXXXXXX : # XXXX XXXX have 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 items of information, other than records of convictions of crimes which antedates the report by more that seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The information listed above appears on my consumer report but I did not make or approve of these transactions. 

XXXX, Experian, and XXXX are also committing FRAUD because according to 15 USC 1681a- ( 2 ) ( i ) - ( Exclusions ) Transactions are to be EXCLUDED from my consumer report.

Please also remove the accounts listed above from my consumer report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act REQUIRES you to remove the INACCURATE and FRAUDULENT information on my consumer report, resulting from Identity Theft within four business days and to promptly notify the businesses that sent you that information. 

Furthermore, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

As stated above, please delete all inaccurate accounts immediately. 

I have enclosed a copy of the accounts listed above, highlighted with the inaccurate information from XXXX XXXX that's being reported on my consumer report, and an identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NY

Complaint narrative:
I received a bill from Harris and Harris Ltd. received on XX/XX/XXXX. I requested information on the bill that it was not my debt and a copy of the bill. I submitted certified mail on XX/XX/XXXX, I received on XX/XX/XXXX another request collections notification. This is not a valid debt, I could give the creditors name : XXXX XXXX XXXX XXXX XXXX. Not a clue??? I have not received emergency services. Please help sort this out I live hundreds of miles away from stated location. Thanks You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was charged almost {$5000.00} on my Victoria Secrets store card in the matter of 3 days. I have not used this card in almost 2 years and was alerted only because my credit score went down XXXX points. I called and spoke with Commenity Bank to alert them of the fraudulent charges and found out that my ULTA card was also compromised, as the thief 's requested a new card be sent to them on that account as well but, was unable to use that card as I've cancelled everything. These purchases were all done in XXXX Florida over 5 hours from me and escalated within three days. These assailants attempted to pay their {$5000.00} debt with my bank account. I was able to put a stop payment on it, but they attempted several times more to pay the bill. These assailants managed to change my physical address and email address, so I was never alerted until it was too late. 

These dates are approx. 

Date of first charge : XX/XX/2023 Date of last charge : PRESENT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Auto inquiries on my credit report I did not authorize

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 2023-02-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: MI

Complaint narrative:
Please see the first XXXX attachment. All particulars are there. I have also attached exhibits to document all issues. 

Thank you very much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: AZ

Complaint narrative:
When I moved out of XXXX XXXX XXXXXXXX XXXX apartments, I was incorrectly billed after satisfying my full lease per an agreement I signed in person with the leasing manager. After moving out, I received notice that they would be adding a charge to my account that I never agreed to or signed for. I emailed them to notify them that they were in breach of our original agreement and that the charge was not accurate. They ignored me and sent me to collections. I have sent several letters to rent debt ( the collector ) to get the charge reversed but they only respond with an old lease agreement that has nothing to do with the charge they are billing me for. 

This company was entering into apartments without authorization. Many of the tenants were alarmed by the behavior of the new ownership and management company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I leased a XXXX Kia forte GT Line in XXXX of XXXX, I liked the car enough to decide to buy it out, so I paid off the car on XX/XX/XXXX and NEVER received the title. So I called customer service to have them explain why I didn't receive my title, The C/S Rep. informed me that Title was sent on XX/XX/XXXX by first class mail, And I should get it within 3-5 business days, after 10 days I called them again, and I asked what address they sent my title to, I found out that they sent it to a wrong address that doesnt even exist! Then I requested a lease release form and a bill of sale to at least generate a duplicate title from the motor vehicle, They said it would take 5-10 business days to receive it, and again I never got it. I contacted Kia consumer affairs and opened a case on XX/XX/XXXX to have them do a duplicate title request and NO ONE HAS CONTACTED ME. I then opened a second case on XX/XX/XXXX to create another duplicate title request and was informed they would respond and nobody has contacted me. They finally sent me a lease release form on XX/XX/XXXX, and when I went to the XXXX to create a duplicate title myself I was informed I could not create a duplicate without the authorization of Kia Motors Finance. I called customer service again and was assigned a case manager named XXXX XXXX he promised me that I would receive an authorization form by the end of the week, but it never came. I called XXXX XXXX and he promised he would get it to me within 5 business days he informed me that in the meantime he has canceled the duplicate title request, but then he realized that was a mistake and he created another duplicate title request. I have contacted XXXX XXXX multiple times since and he has never picked up my calls again. This is ridiculous, I need to register my vehicle under my name, but I don't have documents from Kia.

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 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
XX/XX/2023 I have a account with current which is a online only bank. I have been trying for XXXX weeks to get funds transfered to a local bank so I can purchase a new car and they can't get my bank to verify so it won't allow me to transfer the cash. I have spoke to XXXX XXXX XXXX  XXXX current and they both keep saying it's the other banks issue. I need this money so I asked to have the account money sent to me in a check and I have been told they don't do that. I have also been told to close the account there is a charge and also they can't issue a check because it's being looked into. I am just getting a run around and I need my money.

Company response to consumer: Closed with explanation