vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I called Wells Fargo numerous times to get a credit card i never applied for removed. I went into a bank branch at XXXX XXXX XXXX XXXX to replace a damaged debit card and was told that due to our commercial account being in good standing we were pre approved for a XXXX line of business credit. They had me fill out a form and came back and told me i was denied. I thought pre approved meant no credit check. The bank teller named XXXX ( who is no longer employed by Wells Fargo ) informed me that i was approved for a XXXX credit card instead. I turned down the credit card flat and she informed me that the account was already opened. This is i believe a bait and switch. Anyway i refused the card. They apparently mailed out a card to someone and claimed that it was used by me. I do not have their card nor have i ever accepted the card. They opened it without my permission, admittedly closed it to a XXXX balance and opened a second card and issued it to XXXX knows where and whom. I filed a complaint under the class action XXXX vs XXXX for which a settlement check was sent to me for 900 something dollars. Wells Fargo refuses to abide by the settlement and continues to dispute my dispute with the credit agencies that i do not owe them anything. Instead they have me listed as owing them over XXXX XXXX dollars. Please help as this has been ruining my credit for the last 5 to 7 years.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I did not authorize this inquiries it was done by the creditor without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion has continued to violated my consumer rights under the Fair Credit Reporting Act by violating my privacy by furnishing non public information which as been damaging to my reputation. 

The law states the following under the Fair Credit Reporting Act. 

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ]. 
( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 615 [ 1681m ] ; or ( D ) a communication described in subsection ( o ) or ( x ) .1 TransUnion has not been following reasonable procedures that have been put in place

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 2023-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
I received 3 calls last week from Southwest Credit Systems. All agents refused to state the purpose of their call unless I participated in their " verificaton '' process by giving them private and sensitive information first. They called me at my known number for almost 20 years, asked for me and I confirmed it was me. I also have not received anything in the mail confirming I owe anything ot Southwest Credit Systems, nor how to dispute.

This is harassment and a violation of the FDCPA. They should not call me unless they are going to tell me why they are calling before I give them private information. If they do not know who they are calling then they should not be calling giving my address to random people. Either way this makes no sense. It is absurd to require me to give information when they are calling me. I would understand the need if I was calling them, but this is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: Ability Recovery Services, LLC
State: OH

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Ability Recovery Service for committing identity theft. I have never given Ability Recovery Service any permission to use any of my identifying information to call me or commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and a collection activity, of this and any alleged debts until Ability Recovery Service can provide sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Ability Recovery Service continues its collection efforts. I will file for litigation for actual damages caused and Ability Recovery Service will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028 A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified pursuant to UCC 1-202f. Your prompt attention and response are both requested and required.

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 2023-05-09 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: MD

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA

Complaint narrative:
Called the company to explain that the debt was not mine. I asked for verification that I signed any documents for these charges. This debt is not mine and needs to be removed from all the credit bureaus immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I check my account on a daily basis and since I don't make a lot of money I sometimes have to pay bills 2-3 later than I want when I pay with my debit it will show pending for more than 2 days which is not normal if I pay a bill and it shows that it is posted and not pending it's should have not been returned I sense that this is a manipulation of funds and that debits are posting later than sooner.

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 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I contacted Pressler , Felt & Warshaw , LLP via e-mail, with no response, a couple of days later, on XX/XX/XXXX, my wife, followed up. I'm in XXXX XXXX as a result of being a healthcare worker and contracting COVID on XX/XX/XXXX, 9 days later I was in serious trouble and have been in and out of the hospital, seeing doctors, XXXX XXXX XXXX XXXX XXXX, now I'm on XXXX. We requested that Pressler, Felt & Warshaw accept the amount paid as a settlement. The gentleman on the phone stated " a compliant has already been typed up, but has not gone out, how much can you pay today. My wife stated " did you hear what I asked for, he said " yes '' and continued to ask for a payment of {$200.00}, she advised that we were unable to provide that kind of payment. Finally he accepted a {$75.00} payment. Never even attempting to work with us at this difficult time in my life. Ironically the attached letter showed up the same day in my po box XXXX I believe it was totally unfair that the only concentration this gentleman had was to get a payment and not understanding the extent of the health issue. Also, I am disputing the validity of this claim as XXXX XXXX during COVID had added a lot of fees to my account, that should have been removed and lowering the balance. Also, they were harassing me all times of the day, calling and trying to collect money XXXX times a day, sometimes one call right after another, stating that their system calls automatically and they had no control. Even after I advised I just spoke to someone, they proceed to harass for a payment, I'd request to send in writing and stop calling me, the letter never came and the calls never ceased. Being a healthcare work XXXX XXXX has signed certain protections into place for healthcare workers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I received an email stated that I had received an hard inquiry on my equifax account from XXXX XXXX on XX/XX/2023. I then called XXXX XXXX Account Protection Dept. and spoke with XXXX on XX/XX/XXXX, XXXX. She stated that she didn't see anything that shows anyone opened a new account or applied for another card. She also told me to call Equifax to speak with them about the matter. I called Equifax and spoke with XXXX rep # XXXX and explain to him the same process and he told me he couldn't help me and advice me to call the Federal Trade Commission ( FTC ). I then call FTC and only spoke with automatic teller that gave me a telephone number to Consumer Finance along with an email address. Called consumer finance and the employee walked me through what need to be done to file the complaint. I did everything that was ask of me to complete this process. I just need some assistance with getting this inquiry off my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I was charged {$280.00} on my Bank of America Travel Credit Card by vendor XXXX XXXX. I had only authorized a {$50.00} transaction, the remaining {$230.00} was added onto my bill without my authorization or consent. 

After explaining this to BoA XXXX ( 7 times over 2 months ) The amount was frozen on my ledger and a dispute was put in place. The dispute was denied. 

I have been attempting to challenge the dispute for the past 4 weeks. I've requested twice for proof of my authorization to be sent to me for my review. BoA has failed to send me proof of any signatures or any authorizations of the charge from my behalf. They sent me an EMPTY envelope about the dispute with NOTHING in it. 

I have tried countless times to resolve this, both with the restaurant/bar and with BoA, BoA has been incredibly rude to me, explaining that they have the receipt of the transaction ( obviously? ) but is incapable of sending me any documentation or proof with my signature attached. 

I was at this restaurant, and i approved the {$50.00} purchase. I did not approve any {$230.00} additional amount that was added on.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I DO NOT CONSENT TO AUHTORIZE TO PUT A FRAUD ALERT ON MY CREDIT REPORT PLEASE REMOVE AND BLOCK IT TO MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX of 2023 I was approved for capital one business credit through promotional products. Capital one unlawful freezes my account. Under federal law that's illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: NC

Complaint narrative:
In XX/XX/XXXX, I requested services from an independent vendor on the XXXX platform for an original policy and procedure for the State of Maryland Developmental Disabilities Administration Comar Regulation - application requirements. Upon receipt/delivery of the finished work, I read through the document and immediately recognized that the documentation wasn't at all what I made my request for. It was a generic policy and procedure for a home care agency, which isn't what I requested. I provided the vendor with the exact list of what was to be included within the policy and procedure to be in compliance with the state of Maryland Comar regulations and receive a license to become a provider. I immediately contacted the vendor via the XXXX platform to request a FULL REFUND because I was not at all satisfied with the work and it didn't even meet the State of Maryland 's requirement. On XX/XX/XXXX the vendor, XXXX agreed to cancel the order and give me a refund. On the same day, I filed a dispute with Discover to ensure the this complaint was on record with them and that I wanted to get a FULL REFUND from the vendor and FIVERR. In to the complaint with Discover, I provided them with proof of the via XXXX communication with the vendor that he would give me a refund. On XX/XX/XXXX this message was posted to my Discover account " Dispute Resolved, Credit has been reversed. We have reversed a credit transaction which was previously applied to your account. This was done either because the merchant also issued a credit to your account, or because you recently requested us to close the investigation. Accordingly, we have placed the charge back on your account. '' Unfortunately, I didn't receive the credit from the merchant/XXXX and Discover didn't ultimately didn't reverse the charge of {$670.00} back to my credit card account. I have contacted Discover about the charge and my dispute, but they are refusing the do anything not even call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a third party XXXX agency reporting in a debt which I dont believe is mine or in the least is reporting inaccuracies. I also believe it is a violation according to 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. And would like it removed from all three credit reporting agencys. Please remove immediately.

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 2023-05-09 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I hope you can help! I reached out to the credit bureaus on XX/XX/2023 and haven't received a response! Information is still incorrect and violates my rights! My understanding Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. I will list the accounts below. 

1. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Account XXXX Account Number : XXXX 4. Validate Account Please investigate and delete from my credit report. 
XXXX XXXX Account Number : 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