vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 Ive disputed a charge for {$920.00} from XXXX XXXX. We were sold tickets that the merchant had already sold to another customer. We found this out when we got to the venue and realize another customer had the same tickets on top of it the description of the ticket listing didnt match the seats. So after attempting to reach the merchant failed we opened a dispute with Wells Fargo and explained the issue. Wells Fargo lost the dispute from the merchant but only provided a basic dispute reason and never gave our exact dispute which is the merchant sold us duplicate tickets and never explained the tickets had and obstruction. Wells Fargo disputed it was a cancelled transaction which isnt what we said as our reason for dispute. Wells Fargo didnt accurately represent our dispute reason which resulted in us losing the dispute.

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 2023-12-18 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: AL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SS # : XXXX Date of Birth : XXXX Subject : Urgent : Rectification Needed for FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am writing urgently to address significant discrepancies I've uncovered in my credit report, which directly contradict the guidelines set by the Fair Credit Reporting Act ( FCRA ). After a thorough examination, it's clear that multiple errors persist within my credit profile, indicating a notable oversight in FCRA compliance within your agency.

To clarify : The Fair Credit Reporting Act serves as a crucial federal statute governing the precise collection and reporting of consumer credit information. It mandates accurate acquisition, retention, and transparent sharing of a consumer 's credit data.

Instances of FCRA violations identified include : Inaccurate financial data provided by creditors to reporting agencies.

Merging of individuals ' information by reporting agencies due to name or social security number similarities.

Neglect of prescribed dispute-resolution protocols by agencies.

My rights under the Fair Credit Reporting Act encompass : The right to verify the accuracy of my report, particularly for employment purposes.

Notification if information within my file has been used against me in credit applications or other transactions.

The ability to dispute and request the removal of incomplete, erroneous, or unverifiable data.

Removal of outdated negative information, typically after seven years ( ten in cases of bankruptcy ).

I formally request the immediate removal of the listed items below. These items blatantly breach FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused significant distress, notably evidenced in my recent denial for extended credit, originating from errors within your agency. 

XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX - XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXXXXXX XXXX XXXX Account Number XXXX XXXX  This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I urgently implore prompt action to rectify these violations within the timeframe stipulated by the FCRA. Failing to address these concerns may necessitate further actions to ensure compliance with my rights under the FCRA. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
The following inquiries are unauthorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with, or are no longer in dispute. 
I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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:
I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with, or are no longer in dispute. 
I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX and XXXX XXXX XXXX has continuedly reported inaccurate information, purchased and sold my personal information violating my privacy under 15 USC 1681 ( a ) ( b ), I did not grant permissible written instruction to XXXX XXXX XXXX to report under 15 USC 1681 ( B ). They continued to report adverse items other than convictions of crime under 15 USC 1681 ( c ). Committed identity theft by using my personal information without my authority under 12 CFR 1022.3. XXXX XXXX XXXX and Equifax also violated compliance procedures under 15 USC 1681e. Reporting information Soley as to transactions or experiences and reporting transactions history is illegal under 15 USC 1681a ( 2 ) exclusions. Under 15 USC 1681n Equifax and XXXX XXXX XXXX willfully failed to comply with my request and is liable for damages to me. 
XXXX XXXX XXXX and Equifax continued to violate me even after my initial complaint and continued notices under 15 USC 1681s-2 ( 1 ) Prohibitation ( a ) Both had knowledge of errors and inaccuracy, yet they still continued to report them claiming that it was verified. Neither Equifax nor XXXX XXXX XXXX provided required notice to me of my rights to privacy under XXXX CFR 1016.4 and 12 CFR 1016.7. 
Furthermore, violating 15 USC 6802 ( a ) ( b ) by providing my personal information to nonaffiliated third parties without providing me with proper required notice. 

XXXX XXXX XXXX Credit reporting Improper use of your report Equifax Credit Bureau XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XX/XX/2023 Closed Feedback provided

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: MI

Complaint narrative:
I have 2 inquiries on my Equifax credit report that I didnt authorize XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: VA

Complaint narrative:
I sent in a dispute to have social security corrected and have two incorrect collections accounts ( both XXXX XXXX  ) removed from my credit report. The initial dispute was filed on XX/XX/2023 with supporting documents of social security card and Virginia issued Driver 's License. Equifax responded with a stall letter on XX/XX/2023 stating that they required the supporting documents that were already provided. On XX/XX/2023 I called Equifax stating the information requested was previously provided. The Equifax employee on the phone confirmed my correct social security number and after several minutes of debate realized the social and accounts on my report was incorrect. The employee assured me that everything would be corrected and I would receive an e-mail in a weeks time. Instead of correcting the issue, Equifax provided another stall letter on XX/XX/2023 stating they required the previously provided supporting documents. This issue has become detrimental and provided many inconveniences.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
As mentioned in my previous complaint, M & T Bank makes it criminally difficult to pay specifically the principle amount for variable rate XXXX Despite physically going to the bank as directed ( specifically within the XXXX day window following the interest payment due date -- which is heinously short ) after satisfying the interest payment, my {$8000.00} deposit was instead applied to my fixed-rate mortgage ( despite ensuring the account number on the deposit slip was correct and verbally confirming multiple times with the teller ). My {$8000.00} payment needs to be put towards the variable-rate XXXX loan I have with M & T and NOT to the fixed-rate mortgage I have. This issue needs to be corrected immediately. It is clear that M & T Bank is either criminally negligent or is nefariously trying to take advantage of customers by making the payment process impossible.

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 2023-12-18 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: CA

Complaint narrative:
TransUnion is willfully and knowingly reporting fraud because I supplied XXXX proof of FTC reports and notarized identity theft affidavit. I sent a letter to TransUnion on XXXX XXXX 2023 and I requested that multiple accounts be removed due to identity theft. These accounts were in fact NOT removed. At this time, I have no choice but to invoice TransUnion for violations and damages. The certified letter was delivered on XX/XX/2023 at XXXX had ALL of the necessary documentation included. I provided a notarized Identity Theft Affidavit, my official reports to the Federal Trade Commission and proper proof of my identification. 
In another certified letter ( Tracking # XXXX ) that was also delivered on XX/XX/2023 at XXXX, I sent subsections of the FCRA ( Fair Credit Reporting Act ) TransUnion is in violation of! 
Per pursuant identity theft consumer laws, within 4 days these accounts should have been blocked and deleted from my consumer report per federal law. However, it is now XX/XX/2023 and the accounts have not been removed. 
Pursuant to the FCRA, EACH VIOLATION is {$1000.00} Per violation per occurrence. 
This is a direct violation of 15 U.S. Code 1681n - Civil liability for willful noncompliance TransUnion are in direct violation of 15 U.S. Code 1681n ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} Per violation per occurrence.

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 2023-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Since XX/XX/2022 Ive been trying to resolve a mismanagement of my mortgage with Well Fargo with no avail to the point of now attorney involvement. When I call the settlement number XXXX their response is they will call me. Since XXXX no call and several calls to the same number ends with the same brushing off answerWe will call you.

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 2023-12-18 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: CA

Complaint narrative:
Due the equifax breach my information was used illegally sold and I need it removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
On the XXXX of XXXX, XXXX I applied for a line of credit through Discover it Card where after I answered the questions asked of me and provided my personal information like my name, address, social security and other personal information, I received a denial letter, advising that my credit was denied. Upon further educating myself I found that discover has violated my consumers right by discriminating by treating my application unfavorably based on other credit transaction under Equal Credit Opportunity Act 12 CFR 1002.7 Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. ( m ) Credit transaction means every aspect of an applicant 's dealings with a creditor regarding an application for credit or an existing extension of credit ( including, but not limited to, information requirements ; investigation procedures ; standards of creditworthiness ; terms of credit ; furnishing of credit information ; revocation, alteration, or termination of credit ; and collection procedures ). 
( n ) Discriminate against an applicant means to treat an applicant less favorably than other applicants. Consumer Credit Protection Act 15 U.S. Code 1691 - Scope of prohibition : ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( e ) Copies furnished to applicants ( 1 ) In general Each creditor shall furnish to an applicant a copy of any and all written appraisals and valuations developed in connection with the applicants application for a loan that is secured or would have been secured by a first lien on a dwelling promptly upon completion, but in no case later than 3 days prior to the closing of the loan, whether the creditor grants or denies the applicants request for credit or the application is incomplete or withdrawn. Furthermore, Discover also, violateXXXX XXXX XXXX XXXX XXXX XXXXXXXX, the securities XXXX of XXXX, XXXX XXXX XXXX XXXX and Consumer Protection Act, Consumer Financial Protection Bureau website and Financial Industry XXXX XXXX XXXX and XXXX  ( XXXX XXXX XXXX, XXXX XXXX XXXX. ), as I explained to them, on the notices sent certified mail, I am aware my application with my social security and signature, is a security and I demand they compensate me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC
State: OH

Complaint narrative:
I received the summons case XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/2023 for Jefferson Capital. I had contacted Jefferson Capital by phone that same day after receipt of summons to explain my hardship and inability to pay due to my permanent XXXX they had also asked me to email that over to them along with my Social Security Disability Letter at XXXX and also XXXX with my Jefferson Capital XXXX # XXXX and that it would be " handled ''. They also transferred me to XXXX XXXX XXXX who is listed as the attorney on file so I left a voicemail explaining the details and my contact number ( XXXX ) XXXX. 

On or about XX/XX/XXXX I contacted Jefferson Capital back as I received no phone call from the attorney XXXX XXXX. They informed me that this is still being worked on and that they did receive my email along with my Social Security XXXX Letter. and that I have to wait another two weeks- which would of been way over a month from the file of their civil complaint and not allowing me proper response time to the court. 

Today, XX/XX/XXXX I contacted XXXX XXXX again because still I have yet to hear back from their attorney XXXX XXXX this Wednesday XX/XX/XXXX will be 1 month from their date of file. The agent asked me to hold on the line and see what information he could find. He placed me on hold for XXXX minutes and came back that his manager is going to let this case proceed with litigation. I explained again that Im unable to pay ; that I'm permanently XXXX and only receive Social Security. He said... O well and put me back on a voicemail for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My credit report indicates an inquiry from Ally Financial on XXXX. I did not authorize this nor did I fill out an 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 explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX overdraft my accountXXXX dollars and I know the Bank charges XXXX for overdraft fees. Due to a medical issue and I need medication I had no choice but to overdraft. I never go over XXXX in overdraft fees. I only do one transaction a month now the bank is charging me for multiple transactions and saying I owe XXXX dollars and still charging me more overdraft fees. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This is concerning the collections account with XXXX XXXX XXXX. Account was involved in litigation. Case number : XXXX XXXX. XXXX was dismissed on XX/XX/2023. This collections account needs to be removed from credit 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 non-monetary relief