vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 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:
I received an email verification from XXXX on XX/XX/2023 stating : " This email is to confirm your renters insurance cancellation. If the information below does not match your account or you believe you have received this message in error, please call us at ( XXXX ) XXXX. '' But on XX/XX/XXXX, my debit card got charged a recurring fee of {$16.00} again. I tried disputing it. But Wells Fargo does not allow me to dispute it. I have a screenshot.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I made a debt request to XXXX XXXX about this account XXXX, i did it many time and then could not provide information about this account.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I made a debt request to XXXX XXXX about this account XXXX, i did it many time and then could not provide information about this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I made a debt request to XXXX XXXXXXXX about this account XXXX, i did it many time and then could not provide information about this account.

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 2023-11-28 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: TX

Complaint narrative:
The Account Numbers is reporting inconstantly across all 3 credit bureaus. If this account was properly verified all information should be reporting the same. 
XXXXXXXX XXXX XXXX XXXX  AND EXPERIAN REPORTS # 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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have tried to file this multiple times. 

I got a new computer months ago. The chase website and chase app does not allow me to log in because it is a 'new device. ' same with my phone. 

I have an old computer that allows me to access my accounts, TO PAY CHASE of course. Nothing will stop Chase from taking money, but that is all they allow for. Taking money. 

It has been months. I had to change my phone number again due to security issues. I have no option to contact this corporation at all. the 800 numbers they provide do not work. I am put on hold for over an hour if I do manage to get through, so I have been able to speak to no one. 

I have recurring phone calls with ADA compliance from CHase credit cards to go over some outstanding disputes. I have been unsuccessful at getting these calls now that I have a new phone number and Chase refuses to allow me to update my account to enter this phone number. 

I now have extravagent charges on my credit cards that are not valid. 

I have missed 90 day windows to file new disputes and I am really not getting any of the legal services I am entitled to. 

Furthermore as a XXXX person the ADA allows me REASONABLE ACCOMMODATION. My reasonable accommodation request is to FOLLOW THE LAW AND GIVE ME ACCESS TO MY ACCOUNTS NOW My new phone number again is XXXX the one computer I have access to these accounts on is XXXX hours from me and I will not be paying my monthly payemnts this month because I CAN NOT PHYSICALLY ACCESS THAT DEVICE this is illegal. 

I have to consult an attorney at this point because it's once again another corporation destroying my ability to live and violating my legal rights I had an email address to the division XXXX works in that now gets bounced back to me. 

I have again no other choices but to look for legal representation to force Chase to give me access to my accounts. 

I got voicemails and no return phone numbers ever given to me by Chase. I am well aware this billion dollar corporation has the ability to resolve this easily and simply refuses to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I DEMANDED, they remove my natural person information from their records. There is NO " Specific Agreement form '' from any foreign corporation to conduct international commercial business with our natural person. Our natural person has been harmed by these actions. 

Sent certified mail to Transunion, XXXX, and XXXX. Sent Certified Mail on XX/XX/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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I DEMANDED, they remove my natural person information from their records. There is NO " Specific Agreement form '' from any foreign corporation to conduct international commercial business with our natural person. Our natural person has been harmed by these actions. 

Sent certified mail to XXXX, Equifax, and XXXX. Sent Certified Mail on XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I DEMANDED, they remove my natural person information from their records. There is NO " Specific Agreement form '' from any foreign corporation to conduct international commercial business with our natural person. Our natural person has been harmed by these actions.

Sent certified mail to XXXX, XXXX, and Experian. Sent Certified Mail on 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 explanation
Consumer complaint received 2023-11-28 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: TX

Complaint narrative:
The Date of Last Activity is reporting inconstantly across all 3 credit bureaus. If this account was properly verified all information should be reporting the same. 
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 2023-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NY

Complaint narrative:
Afni is a collection agency sent to persecute me for a debt I do not owe to XXXX. 
XXXX is charging me for a phone that I returned within one week of obtaining it through their authorized dealer, XXXX XXXX. 


On the XXXX of XXXX I mistook an " authorized dealer '' for an authentic XXXX store. The shop has a XXXX sign displayed with no disclaimer that it is an independent shop. 
The manager sold me a plan that included an XXXX XXXX that he said I would only have to pay the taxes on. 
The amount he charged me for tax on the XXXX XXXX was {$170.00}. Tax in XXXX is XXXX and the XXXX XXXX cost {$590.00} at the XXXX store that day. ( https : XXXX ). 
I took the phone to a proper XXXX store and the staff said they found the receipt bizarre ; and advised me to return the phone and cancel the contract as XXXX XXXX was not a XXXX XXXX, but merely an authorized dealer. 
I also discovered that the XXXX monthly charges were nearly double the monthly fees XXXX outlined. I immediately cancelled an appointment for XXXX to install XXXX, and transferred my phone service to another carrier. 
On the XXXX of XXXX, I returned the XXXX to XXXX XXXX at XXXX XXXX, but he never returned the XXXX XXXX to XXXX, so they continue to pursue me for charges of {$760.00} for the phone and service that I never used. 
I sent XXXX copies of the receipts -- the original and for the refund for RETURN OF THE XXXX XXXX -- plus notes from my meeting with XXXX, and a description of my history of encounters in attempting to resolve this fraud. Despite all of my efforts, XXXX has unleashed the collection agency Afni to further plague me with demands for funds I do not owe. 
I sent Afni all of the same documentation proving that the phone was returned and XXXX notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-11-28 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies, but I was told to dispute with the credit bureaus. I've disputed with the credit bureaus several times, but they have not removed those inquiries. I have not given my authorization for the inquiries, and I do not recognize any of the companies. I have not applied for new credit ( house, car, nor credit card ). Ive asked for them to send me written proof of my signature of authorization, but they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies, but I was told to dispute with the credit bureaus. I've disputed with the credit bureaus several times, but they have not removed those inquiries. I have not given my authorization for the inquiries, and I do not recognize any of the companies. I have not applied for new credit ( house, car, nor credit card ). Ive asked for them to send me written proof of my signature of authorization, but they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: CO

Complaint narrative:
I am writing to dispute certain inaccurate and unauthorized information on my consumer report generated on XX/XX/2023. These inaccuracies a

re causing significant harm to my credit score, and I request that you take immediate action to correct them. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am exercising this right by disputing the following highlighted portions of the report : [ All highlighted Hard Inquiries ]. I believe that these items are inaccurate because I never applied for credit from the highlighted Creditors yet they chose to report inaccurate information on my consumer report and when contacted to dispute I was met with no response which is out of my control. It is my hope TransUnion can investigate these fraudulent Inquiries and remove them as they are unauthorized and in violation of the Fair Credit Reporting Act. 
If you require any further information to process my request, please do not hesitate to contact me. 
Thank you for your attention to this matter. I look forward to a prompt resolution to this dispute. 
Respectfully submitted 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 explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Established contact via email with Franklin Service regarding an alleged medical debt I owed on XX/XX/XXXX with XXXX XXXX in the amount of {$250.00}. A proof/outline of the debt was requested and a printout was sent to verify I was in communication with the right company that matched the letter they sent. On the same day, I requested an itemization of the debt from XXXX in order to verify the debt was real. I followed up further with XXXX on XX/XX/XXXX as an itemization of the debt had still not been provided. XXXX then sent a response confirming that an itemized statement will be sent. 

After no contact or response providing the requested itemization of the debt from Franklin Service, I received a phone call on XX/XX/XXXX harassing me for the debt again. I then requested the same debt itemization breakdown over the phone and they confirmed they would work on sending it to me as I couldn't pay the debt without validation. 

As of XX/XX/XXXX I received a response from XXXX at Franklin Service stating that they are still working on getting an itemized statement. It has still not be provided to me. Per 1006.34 Notice for validation of debts, the five day window for providing me with this itemized debt information has now passed given that it is now XX/XX/XXXX. Please see attached email messages regarding communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: NC

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See the attached documents.

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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My checking and saving account was been closed on XX/XX/XXXX. The last status of the account is XXXX " Debit DDA - Check Charge '' with amount - {XXXX} and- {$850000.00}. Including another " CHECK OR SUPPLY ORDER PPD '' with amount - {XXXX}. 
I called Chase 's customer service and got the answer that due to the sender of XXXX of my cashiers check deposit won't be able to verified. The cashier check is {XXXX} and deposited on XX/XX/XXXX. Then they decide closed my account. I only got the {$65000.00} check but missing the XXXX} check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I received an alert on my XXXX  account that I had been flagged for collections by Southwest Recovery Services ( SRS ). This was immediately concerning because I have an exceptional credit score and do not miss any payments. When I disputed the claim, it was updated and verified to have derived from XXXX XXXX. XXXX XXXX is a retail electricity provider who isn't even legally able to sell at my address. I contacted XXXX XXXX because I went directly to voicemail at SRS. They informed me that my address is in fact not serviceable by them and that the account doesn't match me. They requested that I contact the collection firm, SRS. When I spoke with SRS, they informed me that they don't have any documentation and that I had to go through a stringent credit removal process. They proceeded to say " Have a nice day '' and hung up. The problem is that this doesn't really effect me as I'm a high net worth individual. I can only imagine how they're treating others less fortunate than 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
Consumer complaint received 2023-11-28 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: PR

Complaint narrative:
They are reporting XXXX account that is not mine, which is XXXX XXXX XXXX XXXXXXXX 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 2023-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I deposited a total of {XXXX in new funds to my Marcus savings account from two verified external accounts ( XXXX and XXXX XXXX XXXX ) on XX/XX/23 and XX/XX/23. I then scheduled an outbound transfer to a 3rd verified external account ( XXXX XXXXXXXX XXXX ) in the amount of {$100000.00}. The transfer showed as posted in my online account with Marcus on XX/XX/23. I then received a voicemail from Marcus customer service on XX/XX/23 telling me to call their customer service. I called and after verifying that I had authorized the transaction, I was told that Marcus was cancelling the transaction. I was told the reason for this was there was a 90-day " maturity '' period for new funds ( applicable to the {XXXX} ) to the account that needed to elapse before I would be allowed transfer them externally. I was told this was per my deposit agreement on XXXX XXXX. 

I reviewed my deposit agreement in its entirety and found no such related clause. The only potentially related language appears to be the following vague text : " We may place limits on the amount of funds transferred based on total dollar amount or frequency, and we will disclose such limits to you at the time you schedule your ACH Transfer. '' I wasn't told of any restrictions at the time I scheduled my ACH Transfer, but rather after it posted. I was also told that although I could transfer the new funds back out to the external accounts they came from, I would need to wait several business days for the funds to re-appear in my Marcus account ( and then several more days for each of the transfers out of Marcus back to Ally and XXXX XXXX to go through, followed by several more days to transfer out from XXXX and XXXX XXXX once the transactions post ), causing a great deal of financial hardship for much needed funds. 

I believe Marcus restricted my funds with an arbitrary and unwritten internal policy to keep my money in their bank.

Company response to consumer: Closed with explanation