vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Around XX/XX/XXXX my checking account was hit with fraud and fifth third bank took my s.s. Check to cover the amount that was fraud I went to them and reported and my account was overdrawn because of this they said they couldnt close the account for 3 months so this continues to hope they were using my money and paying a credit card off and I told them and the credit card place and they closed my credit card account but fifth third bank didnt so XXXX fifth third took my money again they would not give me another account so this wouldnt happen again so I went to one of the branches and talked to one of the girls and she opened another account and moved my s.s. Check it was working until I saw that someone deposited XXXX into my old account because it was still open and someone withdrew XXXX so it shows I owe XXXX I asked her who put that much money in my account she said fifth third but she didnt know why so XXXX came and it hit again so XXXX they took my S.S. Check so I talk to another person and see called the main branch and she told me they are closing the account both of them and gave me my s.s. Check back to me week later my account was closed and i cant get any bank to give me a checking account because fifth third bank put a notice to all the banks that I owed them money and thats why they closed my account I went back and talk to the girl and she said because of the account was overdrawn for too long they sent it to other banks this is not turn they overdrawn my account and now I cant get anyone to give me a checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
To whom it may concern. My full name matching my passport XXXX XXXX Im from Georgia and I want to complain about a very concerning problem related to the payment service PayPal offered atpaypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX enriching themselves from my hard earned money. PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. Looking forward for your reply. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Albert Corporation
State: TN

Complaint narrative:
I used a app called albert for a {$200.00} payday loan. They make you link your checking account first before they approve or deny the loan. Long story short i was denied the loan and several months later got a random {$96.00} charge for albert XXXX XXXX XXXX XXXX XXXX XXXX i never signed up for. This company is openly committing fraud with their bait and switch tactics to scam money. They claim to have issued a refund its been over a week and still no refund. This company is criminal and must be stopped!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: National Collection Systems, Inc.
State: CO

Complaint narrative:
I got sent a letter just now saying I owe money I never got into classes to get charged I dropped any classes that were originally sign up for I never took any courses I WILL not pay for somthing I never took. 

PLEASE remove this debt.it is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I purchased a vehicle from a dealer in XXXX XXXX. I traded in my old vehicle and the dealer made arrangements to pay the lein holder Wells Fargo the balance due on the loan, which was {$11000.00}. However, Wells Fargo made an unauthorized withdrawal from my checking account, held by XXXX  XXXX XXXX, in the amount of {$11000.00}. This overdrew my checking account, which triggered my overdraft protection and erased everything I had in savings, leaving me virtually penniless. 

I have spent considerable time on the phone with both Wells Fargo and XXXX  XXXX XXXX and each entity suggests that I contact the other. I can not get either to return my funds and I can not get satisfaction.

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 2023-03-19 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: CA

Complaint narrative:
An account was opened in my name by someone else other than myself, this was done in store with someone using my name with a different photo and address. I'm not sure how this happened because a different SSN was used and it created a double profile. I was unable to get access to my own account because of this. I know XXXX is known for opening accounts without their clients consent.

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 2023-03-19 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: CA

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. 
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  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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: DE

Complaint narrative:
ON XX/XX/2023 GOT AN EMAIL FROM CREDIT KARMA WITH CREDIT REPORT. WITHIN THE REPORT WAS AN ENTRY STATING THAT I OWED XXXX XXXX XXXX  I OWE THEM NOTHING NOR HAVE I EVER BANKED WITH XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
In XX/XX/XXXX, I was contacted by someone over the phone asking me some questions concerning my personal informationthe person called me by my name and told me my date of birth b and the last of my social security and an XXXX address. I confirmed my identity and the last social security number and denied the address. In XX/XX/XXXX, I was surprised to see a debt collection on my credit file. On XX/XX/XXXX, I sent a letter to the debt collector to prove my debt. This is two months since I received no notice from Southwest Credit System, which violated my rights to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: GA

Complaint narrative:
I am writing to dispute the following information in my file, I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act G604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigaton, picase send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents aulhorizing c inquiry, and signed on my behall, so that I may verity its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately ft credit file. Please be so kind as to forward me documentation that you have had the unauthorized inqu removed. If you find that I am in error, then please send me proof of this Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above, According to the provisions of 5 612 ( 15 USC 9 1681 ) ), there should be no chargo hom Your immediate attention to this matter is appreciated

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 2023-03-19 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:
I am writing to dispute the following information in my file, I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act G604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigaton, picase send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents aulhorizing c inquiry, and signed on my behall, so that I may verity its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately ft credit file. Please be so kind as to forward me documentation that you have had the unauthorized inqu removed. If you find that I am in error, then please send me proof of this Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above, According to the provisions of 5 612 ( 15 USC 9 1681 ) ), there should be no chargo hom Your immediate attention to this matter is appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Apparently, I made a purchase at Kohls Department store of {$15.00}. This took place months ago. On XXXX XXXX I received two phone calls requesting I call Kohls. At first, I assumed this was a scam until I received the second one. I checked my Kohls account to discover that there was a {$100.00} dollar on my account. I quickly called Kohls for more information. I was told that my account went to collections for nonpayment. I was shocked this was the first time I knew of this. I asked why I wasn't notified or billed? So, they say they did not have my updated address. I moved from XXXX XXXX XXXX  I was still stumped. They called me after my account went to collections but could not call me previously to this? or email me? They had my email address. I paid them what I owed. I thought that was the end to it. Just recently received my credit report. I went from XXXX to XXXX just like that due to Kohls. I can not express how upset I am. This is absurd. Shocked is what Iam that a company can ruin an individual 's credit for {$15.00}. I worked very hard for years to have that credit score. Never missed a payment, never was late on bills. I can show you bank records and payoffs. I am not wealthy and have worked my tail bone off for what I have. My credit score reflected my hard work. I will never set another foot in Kohls. Never. I will gladly return their credit card to them. 
I paid my automobile loan off my mortgage off. Why would I not pay off {$15.00}? How can I pay a bill if I am not properly notified? To this day I still have not received a piece of mail from Kohls stating that I paid the outstanding balance or a email. Obviously, there is something very wrong with this company internally.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have opened an investigation several times with this company in regards to them reporting my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECTLY. 

This account is '' Paid As Agreed/Never Late '' They have refused to update the " Current Payment Status '' which is incorrectly reports as 30-59 Days late. 

I have opened 4 disputes with them since XXXX and they still have not correctly reported my account. 

I have a letter from my creditor backing up my claim that states that they have requested that all 3 Credit bureaus update any delinquencies reported between XX/XX/XXXX an XX/XX/XXXX. 

This account was closed in XX/XX/XXXX, just fyi so it should not be reporting anything past that date. 


Their reporting is completely inaccurate.

1. It shows that I have made 100 % of my payments on time, which is correct but... 

A ) They are showing that I am 30-59 days past due and... 

B ) They are showing that my " Worst Payment Status is " Current '' This is just ridiculous and they simply refuse to update my credit report even with a letter from my creditor. 

Please see attached proof.

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 2023-03-19 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: MD

Complaint narrative:
XXXX XXXX XXXX  has illegally reported a total count of XXXX late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to dispute several items that appear on my credit report. After reviewing my credit report, I have identified several inaccuracies and unauthorized inquiries that need to be addressed as soon as possible. 

Firstly, I noticed that my personal information is incorrect. Specifically, my previous addresses were reported incorrectly. The addresses listed on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but I have never lived at either of these addresses. 

Additionally, I have no recollection of authorizing credit inquiries by several companies, including 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 and many others. These unauthorized inquiries are damaging my credit score and I demand that they be removed immediately. 

Furthermore, I have noticed that some accounts on my credit report have incorrect information, such as late payments and incorrect balances. Specifically, account number XXXX with XXXX XXXX XXXX XXXX is reporting incorrect late payments, which have not been updated. I demand that these incorrect late payments be removed from this account immediately. 

Accounts with 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 need to be verified and corrected or deleted from my credit report. 

Lastly, I do not recognize the accounts with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have never had any business relationship with these companies, and therefore, these accounts are not mine. Account number XXXX with XXXX XXXX XXXX XXXX and account number XXXX with XXXX XXXX XXXX XXXX should be removed from my credit report immediately. 

I understand the importance of maintaining a good credit score and I hope that you will take the necessary actions to correct these inaccuracies and remove any unauthorized inquiries from my credit report. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Account Name XXXX XXXX XXXX  Acount number XXXX Date Opened XX/XX/ Account Name XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX  Account Name : XXXX XXXX XXXX  Account number XXXX Date opened : XX/XX/ All are in violation of my rights According to : 15 USC 1681a ( 2 ) ( 1 ) under exclusions.

Rights to privacy Fair credit reporting Act protects information collected by consumer report agencies such as credit bureaus, medical information companies and tenant screening services.

and 15 USC 1681 s2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reason to believe that information is inaccurate.

I have been in touch with all three credit card companies and they have all agreed to remove the late payments.

I have tried over and over to get document from each regarding the removal of the late payments with no success.

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 2023-03-19 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: NV

Complaint narrative:
Account Name XXXX XXXX XXXX Acount number XXXX Date Opened XX/XX/2020 Account Name XXXX XXXX XXXX Account # XXXX Date opened XX/XX/2020 Account Name : XXXX  XXXX Bank Account number XXXX Date opened : XX/XX/2020 All are in violation of my rights According to : 15 USC 1681a ( 2 ) ( 1 ) under exclusions.

Rights to privacy Fair credit reporting Act protects information collected by consumer report agencies such as credit bureaus, medical information companies and tenant screening services.

and 15 USC 1681 s2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reason to believe that information is inaccurate. 
I have been in touch with all three credit card companies and they have all agreed to remove the late payments. 
I have tried over and over to get document from each regarding the removal of the late payments with no success.

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