vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 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: NM

Complaint narrative:
On XXXX XXXX I noticed that a charge from XXXX XXXX was charged to my account in the amount of {$110.00}. I contacted the Bank Wells Fargo and told them that this charge was not authorized by me to my account and to stop the transaction as it was still pending and had not gone through yet, I was told by the customer service repersentative that I had to change my debit card number and a new card would be sent to me and it would be turned over to fraud department, this has been a huge inconvience to me. As of today XX/XX/2023 I have been charged for this transaction and my account went into a negative. My claim number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Someone took out a bunch of lines of PayPal credit and applied for a XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: CA

Complaint narrative:
Greetings, my name is XXXX XXXX XXXX XXXX family, and I am consumer of the age of XXXX. I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Credit Reporting Agencies ( CRA ) XXXX, XXXX, and Equifax under 15 USC 1691 ( a ) ( 3 ), assumed this role without permission not only that, they did not have my consent. CRAs did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). CRAs did not exercise their grave responsibility, they were unfair, they were partial. Im doing this due to the fact that because of the actions of these CRAs, I am unable to buy cars, houses, or anything in general that a consumer needs to survive in the United States. CRAs never had a permissible purpose under 15 USC 1681 b ( 2 ). I never instructed CRAs to furnish this report and I never consented to this report in the first place. What I am demanding right now is that CRAs deletes all accounts that are reporting and all hard and soft inquiries, that are hindering and discriminating me, whenever I try to purchase or receive credit for consumer purposes only. If any further information to be required to further support my claim, you can reach out to me by phone ( XXXX ) XXXX or by email ( XXXX ). 
Thank you for your time. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Greetings, my name is XXXX XXXX XXXX XXXX family, and I am consumer of the age of XXXX. I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Credit Reporting Agencies ( CRA ) XXXX, Experian, and XXXX under 15 USC 1691 ( a ) ( 3 ), assumed this role without permission not only that, they did not have my consent. CRAs did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). CRAs did not exercise their grave responsibility, they were unfair, they were partial. Im doing this due to the fact that because of the actions of these CRAs, I am unable to buy cars, houses, or anything in general that a consumer needs to survive in the United States. CRAs never had a permissible purpose under 15 USC 1681 b ( 2 ). I never instructed CRAs to furnish this report and I never consented to this report in the first place. What I am demanding right now is that CRAs deletes all accounts that are reporting and all hard and soft inquiries, that are hindering and discriminating me, whenever I try to purchase or receive credit for consumer purposes only. If any further information to be required to further support my claim, you can reach out to me by phone ( XXXX ) XXXX or by email ( XXXX ). 
Thank you for your time. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
I have a joint account with my fianc with her being the primary on the account. The account was through. XXXX XXXX XXXX, for whatever reason was closed and charged off and sent to selip & stylianou llp. We made payment agreement with them and have paid off the entire balance. Shortly after we received another letter stating that we owed another {$2000.00} for court costs. This never went to court, which is why we made the agreement. The accounts have not been updated to paid in full on credit reports causing us to not be able to buy a house. The additional {$2000.00} ( supposed court fees ) was not agreed upon, nor was it stated we had to pay this. The 2 people i spoke to at this law firm were extremely rude, and refused to speak to me about the account even though i am joint on the account, but happens to be only in my fiancs name. We would like this to be updated and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: Southern Management Systems Inc.
State: NC

Complaint narrative:
Creditor is not the correct creditor for this account and was unable to supply original contract with wet signature.inconsistency in account status and account type. However my requests were ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: Stenger & Stenger, P.C
State: OH

Complaint narrative:
XX/XX/XXXX is the statements date The fraud happen on XXXX XXXX XX/XX/XXXX the amount is XXXX I have contacting all companies involving I have filed police report. The last time I used the credit card was XX/XX/XXXX Someone fraud it through some type of online fraud.. I was part of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: LA

Complaint narrative:
On XX/XX/2023 I contacted Mohela to ask about my account balance, SAVE plan, and loan repayment. I was informed that my account was in the process of being updated and that no payments would be due for the months of XXXX through XXXX. I had already made my XXXX payment and inquired about a refund. The representative said I was absolutely entitled to a refund and placed a request ( Request # XXXX ). 

I called today and asked about the status of my refund. I was informed the request was canceled because the refund would make my account delinquent and that no refunds were allowed to be given from payments made before my loans were consolidated. I requested to speak with a supervisor to assist with the situation and was placed on hold for 2 hours. I gave up holding when business hours ended as I assumed my call would not be resumed after the office was closed. 

The consolidation was applied for in XXXX and wasn't completed until XXXX. Their delay in processing was the reason the payment was made before loan consolidation. Additionally, I did not receive notice of my account being in forbearance until after the payment was made. If I was informed of my account status I would not have made the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MO

Complaint narrative:
I requested my original contract and wet ink signature therefore I want the item removed immediately and dropped to XXXX balance XX/XX/2023 by certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
An acct was opened without my consent debit and a credit car application

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 2023-11-30 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: Experian Information Solutions 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 XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX 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 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 explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
They closed account without my permission or informing me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: TN

Complaint narrative:
ZWICKER & ASSOCIATES, P.C. a debt collector is claiming inaccurately a debt i am not contracted with. 

I have sent letter certified mail with return receipt to ZWICKER & ASSOCIATES, P.C. to dispute the erroneous collection, There must be a contract between us. Contract Law supersedes all Federal and State Rules, Regulations and Statutes. 

If you they the XXXX in this matter, I need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for them to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including you reporting to various credit reporting entities. 

They have caused me severe harm and XXXX to me and my family!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: NY

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-12-01 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: NY

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Several Hard Pulls on my credit I don ' t recognize. 
Wrong address 's Called Equifax and informed a couple years ago they put a statement on my report and more hard pull enquires still being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX, XXXX, AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : CREDIT CONTROL SERVICE : XX/XX/XXXX -- -> XXXX -- -> {$1500.00} XXXX XXXX XXXX XXXX  : XX/XX/XXXX -- -> XXXX -- -> {$1500.00} XXXX XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> {$710.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> {$710.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern. these inquiries are not mine, requests have been made without my consent and fraudulently, please removed these requests from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
A few days ago I received a notification stating a debt collection had been reported on my credit which was a shock to me so I contacted the collections company ( CREDIT COLLECTION SERVICES at ( XXXX, Address is XXXX XXXX XXXX XXXX MA, XXXX ) and they told me XXXX XXXX asked them to collect money from me. I told them I do not know where the debt is coming from because I have a different insurance company and I told them that I do not owe XXXX any money. They advised that I contact XXXX which I did and XXXX told me that they do not see any policies on their file for me which made sense to me since I canceled the only policy I had with XXXX. XXXX even sent me a refund check which I have attached. I did not have any existing policy with safeco so this really shocked me. So I later called the collections company again to see what property address and they gave that to me. That property address is under an LLC and it was through XXXX XXXX, which I was later told by XXXX that the XXXX XXXX Agent got the insurance through XXXX. I have never received any communications from XXXX and I did there is no way I wouldnt or couldnt pay {$79.00}. I asked XXXX why didnt they call me or email me if I owed them and they couldnt answer. I knew this debt collections on my credit could stop me from purchasing my home so I asked XXXX If I go ahead and pay them the money they claim I owe them ( {$79.00} ), will they remove this from my credit and the XXXX representative told me emphatically YES. I asked them to send me an email confirmation and evidence of what they told me on the call. I went ahead and made the payment just so I could be over with the whole situation and not because I actually owed them money. I followed up with XXXX a few days later and they are telling me they have advised the credit company to remove the reporting from my credit report. I called the credit company and they said they will not remove, they can only report it as paid in full which is not what I was told would happen. I was told this would be removed completely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Hello! XX/XX/2023 I was billed to my credit card for XXXX for an annual subscription for {$99.00}. When signing up for an initial XXXX trial, there was no information provided nearing the end of the free trial that the subscription was in fact ending. This is against policies set forth by XXXX in their publication titled " Revised Standards for Subscription/Recurring Payments and Negative Option Billing Merchants '', which came into effect before this trial and billing occured. 

XXXX sent details to Citi card which very clearly did NOT show in their system that a notice was sent to the email listed. Furthermore they specifically excluded dates before XX/XX/2023. Based on many reviews, it is clear XXXX has made it deceptively challenging to cancel their services. Citicard did not honor this requested in a dispute, ignoring key missing information provided from XXXX, and have been unhelpful in resolving this. 

Careful analysis of various reputable sources demonstrates a clearly deceptive pattern of XXXX, most noted on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; please see attached. Additionally their XXXX XXXX XXXX XXXX further illuminates their deceptive practices XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please see attached.

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 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sterling Infosystems Inc.
State: MN

Complaint narrative:
Sterling Background Check no good Company sent me a false ( lie ) message on phone saying to call so can give me the case status by someone named XXXX XXXX to call XXXX Extension XXXX and then started demanding questions at me such as where do you live and stuff. I advised used to live in XXXX XXXX Texas and asked for my personal information to be removed from there system, etc ... and the caller refused and the agent hung up on me.

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