vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
XX/XX/XXXX -We started getting collection notices in XXXX. 
-We paid the total amount owed on XX/XX/XXXX in the amount of {$1000.00}. 

-After that the amounts and dates were withdrawn from our bank account were as follows : XX/XX/XXXX - {$43.00} XXXX/XXXX/XXXX - {$43.00} {$44.00} per month for the period of XX/XX/XXXX through XX/XX/XXXX per month. 

XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$89.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$46.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$470.00} XX/XX/XXXX - {$46.00} XX/XX/XXXX - {$46.00} XX/XX/XXXX - {$46.00}

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 2024-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
I thought I was investing in a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and transferred {$50000.00} USD from Ally Bank. I was never able to get ahold of the company again and it turned out to be a scam. 

Account has since been closed that I used to transfer the money. 

Please see attached letter for more details.

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 2024-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Had Already sent me a letter stating that this amount was not owed and had been removed from my Credit report. XXXX XXXX XXXX continues to add this debt to my credit report and send me letters attempting to collect the amount listed on the letter. I currently do not bank with wells fargo. The amount XXXX is trying to collect was in regards to overdraft fees which Wells Fargo had already been court ordered to remove from any accounts. This is not the first time I report this business for the exact same thing.

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 2024-09-02 00:00:00
Product: Credit reporting 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to reportall information with complete accuracy. This account has not been late on this particularpayment. I've attacheda copy of my report for hiscomplaint on the following dates XX/XX/year> & XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-09-02 00:00:00
Product: Credit reporting 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to reportall information with complete accuracy. This account has not been late on this particularpayment. I've attacheda copy of my report for hiscomplaint on the following dates XX/XX/year> & XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2024-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I scheduled a {$75.00} payment on XXXX XXXXXX/XX/XXXX, to post on XXXX XXXXXX/XX/XXXX ( XXXX XXXX ). I selected the desired bank that I wanted the payment taken out from, and finalized the transaction. 
Unfortunately, XXXX XXXX XXXX prehistoric system glitched, not for the first time, and selected the other bank attached to my account to remove the payment from. I called in the afternoon of XXXX XXXX to rectify this issue, but the payment is already processed - unlikely for a system that, to be generous, is not state-of-the-art. I was also told that I will inevitably be hit with a returned check fee, and that I have to go through the rigamarole of an 'investigation ' to have the fee ( possibly! ) returned. This is sickening and disgraceful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
I have been in the process of transferring funds from my UFB Direct account into another account that I own. For exactly XXXX  days now UFB Direct is telling me that my account is undergoing maintenance But they wont tell me why and wont let me gain access to my money. I have over {$2000.00} being held hostage for XXXX days now and I am being told that I may need to wait another two days. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
A person in my household made an unauthorized transaction on my Paypal account to a foreign company, XXXX XXXX on XX/XX/XXXX. The charge was made via Paypal against a XXXX XXXX Credit card. I received the necessary notifications, showing the authorization as {$7700.00} ( or XXXX XXXX ). I immediately contacted XXXX XXXX advising of the charge and they processed the cancellations, within XXXX mins of the charge. It seemed the crisis was averted and all was handled. XXXX days later I received a notification from XXXX XXXX that {$7300.00} was refunded, or {$350.00} short of the original charge. 
I contacted Paypal clarifying the unauthorized charge and they advised me that the Exchange Rate was the reason for the difference. I asked for justification of the published exchange rates and they were unable to provide. I frequently travel Int'l and can be tolerable to a slight exchange rate difference, but not a XXXX % decline in the matter of hours. After not receiving satisfactory service via the Customer Support call center ; I further emailed Paypal, and after a couple of exchanges where the first indicated my matter was 'resolved ' ( which wasn't even close to true ) they advised they would contact me on XX/XX/XXXX. So far, almost 30 days later, I still have not been contacted by PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of the inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( XXXX ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file to the consumer. 

Please remove the following items from my credit report, immediately : TransUnion XXXX XXXX XXXX {$45000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Closed XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Closed XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$45000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX {$40000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Charged Off. 

XXXX XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Charged Off

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 2024-09-02 00:00:00
Product: Credit reporting 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of the inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( XXXX ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file to the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX of XXXX {$45000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Closed XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Closed XXXXXX/XX/XXXXXXXX XXXX XXXX {$45000.00} Account XXXX Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XX/XX/XXXXXXXX, XXXX {$40000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Charged Off. 

XXXX XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Charged Off

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of the inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file to the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXXXX/XX/XXXXXXXX {$45000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Closed XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Closed XX/XX/XXXXXXXX XXXX XXXX {$45000.00} Account XXXX Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXXXX/XX/XXXXXXXX XXXX, XXXX {$40000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Charged Off. 

XXXX XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Charged Off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/year> I received a response from Trans Union credit bureau stating XXXX XXXX XXXX which Ive had a dispute with is verified as reported. And XXXX XXXX XXXX was verified as reported. The account with XXXX XXXX XXXX account ending in XXXX. Case number XXXX. I received a letterhead from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that XXXX XXXX XXXX was requesting, the removal of their credit listing from credit reports. I will send a copy of this letterhead in the attachments XXXX XXXX XXXX XXXX account ending in XXXX. Case number XXXX. Once again informing you that I dont recognize this fraudulent account nor do, I admit any responsibility without proof of the contractual obligation. Therefore, as is my right under the fair credit reporting act, 609 ( 5 ) Im requesting that they prove they are the original due holder In the course of this debt. Im requesting the original documents where they bought this Debt. Im requesting that they show counter records that prove I open this debt up until this present time. Im requesting that they show all original documents, bearing my signature and authorization of this fraudulent Account. Im requesting your method of verification pertaining to those documents as is my right per Fair credit reporting act 611 ( 5 ) ( a ). Im informing you that youre off offense is amount to aggravated identity theft pursuant to 18.U.S.C.~1028A. You have knowingly transferred, possessed, or used, without lawful authority, A means of identification of me, which is a felony punishable with up to two years of imprisonment in addition to civil liability. Pursuant to 15.U.S.C.~1681n ( a ), Any person who knowingly and willfully obtains Information on a consumer from a consumer reporting agency under false pretenses shall be fined Under title 18, in prison for not more than two years, or both. Consumers suffer harm when consumer reporting agencies and furnishers Of information, allow fraudulent activities to persist without proper authorization from the consumer. These harms Include the invasion of consumer privacy, as well as reputational, emotional, physical, and economical harms. Ive been hindered from establishing new lines of credit and credit lines of increases because of your willful violation of my rights and the fair credit reporting act, therefore demanding that this account be blocked and deleted because they dont belong to me, and once again attaching proof of my incarceration from family and government agencies during the time this account was open, which proves it wasnt me as well as other information concerning these proofs.

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