vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 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 — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX M & T Bank, have all used the arbitrary consumer reporting system to discriminate against me, violate my privacy and violate my consumer right to obtain credit. I recently reviewed my consumer report and disputed violations of my consumer rights to privacy without satisfactory results. My dispute about privacy violation was met with responses about accuracy of reporting information. They never denied violation of my rights instead choosing to disregard it. 

Under Title 15 U.S.C. 1681a ( i ) the consumer report does not include information as to transactions or experiences between the consumer and the person ( creditor or corporation ) making the report. 15 U.S.C. 6802 states that a financial institution may not directly or through any affiliate disclose non public information to a third party ( such as the consumer reporting agencies ) without my written consent. Hard inquiries and latenesses clearly constitutes non public experiences solely between myself and a financial institution/creditor and as such must remain privatebe safeguarded and protected. Disclosure of my information requires that I ( the consumer ) be given the opportunity before that information is initially disclosed to direct that such information NOT be disclosed to a third party. Theyve denied me my right to privacy and to exercise my non disclosure option and in reporting what amounts to private ( non public ) experiences between me and a financial institution have caused me harm/damage in pursuit of credit. 

I invoke my consumer right and formally request with this written letter the removal of hard inquiries and derogatory negative private information currently disclosed on my consumer report file within the allotted 30 day period. Their failure to comply with my initial written request constitutes willful noncompliance and makes them liable for damages to me15 U.S.C. 1681n.

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 2022-09-01 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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: CT

Complaint narrative:
XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Discover, XXXX XXXX XXXX XXXX XXXX XXXX Bank, have all used the arbitrary consumer reporting system to discriminate against me, violate my privacy and violate my consumer right to obtain credit. I recently reviewed my consumer report and disputed violations of my consumer rights to privacy without satisfactory results. My dispute about privacy violation was met with responses about accuracy of reporting information. They never denied violation of my rights instead choosing to disregard it. 

Under Title 15 U.S.C. 1681a ( i ) the consumer report does not include information as to transactions or experiences between the consumer and the person ( creditor or corporation ) making the report. 15 U.S.C. 6802 states that a financial institution may not directly or through any affiliate disclose non public information to a third party ( such as the consumer reporting agencies ) without my written consent. Hard inquiries and latenesses clearly constitutes non public experiences solely between myself and a financial institution/creditor and as such must remain privatebe safeguarded and protected. XXXX of my information requires that I ( the consumer ) be given the opportunity before that information is initially disclosed to direct that such information NOT be disclosed to a third party. Theyve denied me my right to privacy and to exercise my non disclosure option and in reporting what amounts to private ( non public ) experiences between me and a financial institution have caused me harm/damage in pursuit of credit. 

I invoke my consumer right and formally request with this written letter the removal of hard inquiries and derogatory negative private information currently disclosed on my consumer report file within the allotted 30 day period. Their failure to comply with my initial written request constitutes willful noncompliance and makes them liable for damages to XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act # XXXX, has violated my rights. 

XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, ( Hard Inquiries ) on my reports that I have no knowledge of XXXX XXXX XXXXXXXX XXXX XXXX  & XXXX & XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am and have been a victim of identity theft which you will see in my report XXXX 


15 U.S.C. 1681 section 602 A. States I have the rights 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 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 2022-09-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, ( Hard Inquiries ) on my reports that I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXXXXXX XXXX XXXXEquifax Mortage Service/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I am and have been a victim of identity theft which you will see in my report . 


15 U.S.C. 1681 section 602 A. States I have the rights 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 2022-09-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Based on my previous report : XXXX, Equifax stated that they modified certain accounts and verified others. I did not ask them to modify anything. Furthermore, how can you modify or verify any of the accounts if a proper and unbias investigation was not complete. 

And if a proper investigation was complete, I want documented proof of conversations, which by law, should be held with family members, associates etc who know, me personally the consumer. 

If no such proof can be furnished I am now DEMANDING that these accounts be removed : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX  XXXX DP OF EDUC : XXXX, XXXX ( two accounts with different information ) Once again, the laws are clear : 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 : states a consumer reporting agency can not furnish an account without my written instructions & Lastly, 15 U.S.C. 1681i - procedures in case of disputed accuracy also states that if after an reinvestigation an item is found to be inaccurate, incomplete, or can not be verified the consumer reporting agency SHALL PROMPTLY delete that item of information. With the attached recent updates of my credit reports, there are several inconsistencies on my credit report that show a proper investigation was not conducted. And for the mere fact that I do have the right to privacy and there is no proof of written consent from me the consumer to have these accounts published. Shows blatant violation to my rights based on the FCRA. 

Thus far, I have listed three laws that were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my creditXXXX XXXX  Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Convergent Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a payment on XX/XX/2021 to my capital one Secure Platinum card from my Capital One 360 bank account. On the same day I allegedly made a cash deposit of {$1000.00} to the different financial institutions. To my 360 checking account. XXXX {$200.00} XXXX $ XXXX {$800.00}. And to my secure credit card I made XXXX XXXX.This was made XXXX on the morning of XX/XX/XXXX. Then I made a payment to my credit card via mobile app for {$400.00}. I was told my payment would be place on a hold for and would be release on the XXXX of XXXX. I had several transactions processing. Both credits and debits. On XX/XX/XXXX on my checkings account history notice that my payment had disappeared. On my credit card it was still honored but on a hold. Monday XX/XX/XXXX a banking holiday. I called and was told the payment was rejected. Even with the transactions pending I had enough to cover the payment. I even had money XXXX to me. On my statements it shows my payment as " a withdrawal of {$400.00} rejected '' on the XXXX when I had {$640.00} in my account. During the time of covid i had no grace period. Never had a payment placed on a hold. So then if my payment was place on a hold. How did i use my it on my credit card? And how does my bank has no record or trail of my transaction but has the rejection of it..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple endeavor to tell Experian that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple endeavor to tell Equifax that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple endeavor to tell Transunion that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
The attached document from my XXXX credit report XX/XX/XXXX, shows that I had 2 personal loans with Wells Fargo Bank. These accounts are paid off and in good standing, showing accurate information, which had helped me to build and keep high credit score. The scheduled removal date of these accounts was XXXX. 

However, on XX/XX/XXXX, Wells Fargo had, for no reason or explanation, deleted both accounts from all 3 credit reporting agencies. Why?

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 2022-09-01 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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 — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$390000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, Chase received my Notice to Dispute letter, in the letter, I advised that I was disputing the alleged debt in its entirety. I demanded verification of the alleged debt pursuant to 15USC1692g ( b ). I also requested the name and address of the ORIGINAL creditor. As of the writing of this complaint, I have yet to receive the requested documents. 

Chase was also advised that they did not have my permission to take ANY adverse actions against me or my account which included but was not limited to closing my account and reporting negatively to any credit reporting agency. On XX/XX/2022 Chase closed my account knowing that they did not have my permission. 

Chase is in violation of 15 USC 1692g ( b ) and I demand my specified remedy which is : 1. Zero out my balance every billing cycle moving forward.

2. The return of any and all previous payments made by me on this alleged debt.

3. Remove all negatively reported reports from all credit reporting agencies. 
4. I would like a copy of my consumer file in its entirety regardless of how it is stored as defined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.

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