vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 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: Self Financial Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604.A Section 2 : It also states a consumer reporting agency can not fumnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Block, Inc.
State: WI

Complaint narrative:
My issue wasnt available in the menu presented so I chose the most applicable options. I ordered some items from XXXX online using Afterpay ( XXXX XXXX ). The order was divided into 2 shipments but I only received one shipment. USPS stated they never received it while XXXX says theres a delay and they have no idea when itll be shipped. The USPS tracking number is no longer valid because too much time has elapsed in receiving the shipment. XXXX hasnt responded to my request for a refund and Afterpay said theyll only refund me once XXXX refunds them. Im still paying for a shipment I havent received ( {$72.00} left to pay according to Afterpay ). According to the VP of communications at Afterpay, Im subject to the same protections Id have if I were using my debit card directly with the merchant instead of with Afterpay. Im wondering why, then, am I not receiving said protections in this case?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UPGRADE, INC.
State: TN

Complaint narrative:
I had a Rewards Checking account with Upgrade. I requested it to be closed on or before XXXX. The rep told me at that time in XXXX it would close after 30 days of a XXXX balance. I was not comfortable with that but accepted it as their policy at that time. I double checked today in online banking and the checking account still is showing active. I called XXXX customer service today - XXXX. The rep said my checking account was closed on officially XXXX but will remain active online for 2 years!! The rep said I was sent an email on XXXX to inform me of my account being closed and I am unable to find an email from them. I am not comfortable with this account still open and active. What if scammers or fraudsters get a hold of it and go crazy when I think it's been closed already?! I have now requested this account to be closed twice and it still is not completely closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I did a mobile check deposit on XXXX XXXX and my acct says there could be a hold of 4 days on mobile check deposits. Well for some reason capital one wants to hold my funds for 7 days not even releasing the first {$200.00} or even a dime of it to me at all before then and I'm stranded in Hawaii with no ID no access to my credit cards or anyway to otherwise cash a check or even pickup money from family thru other means. 
I called the bank that the deposited check was drawn on ( XXXX ) they said the check is good nothing is wrong no stop pays no holds and they even released the funds to Capital One already ... .so why if they have my money do I still have to wait to access it ... .makes no sense at all! The funds are there and there is nomlk ger any " risk '' involved. 
I'm stranded and need to be able to access my money and need it ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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:
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. 

NY CHILD SUPPORT ENFC. 
ACCOUNT NUMBER XXXX 15 USC 1681 SECTION 602 A. states I have the right to privacy.

15 USC SECTION 604 A. also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 S-2 ( A ) ( 5 ) SECTION STATES no consumer reporting agency may make any consumer report containing any any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: NY

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. 

NY CHILD SUPPORT ENFC. 
ACCOUNT NUMBER XXXX XXXX5 USC 1681 SECTION 602 A. states I have the right to privacy.

15 USC SECTION 604 A. also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 S-2 ( A ) ( 5 ) SECTION STATES no consumer reporting agency may make any consumer report containing any any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The dates mentioned I were late in making my payments were incorrect and unverifiable. I always paid on time .They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported.

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing. 


Please update the payment history immediately for the accuracy of my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: SC

Complaint narrative:
On XX/XX/2023, XX/XX/2023, I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting Act. The List of accounts be low has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A : States I have a right to privacy.

15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) 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 that records of convictions of crimes which antedate the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer.

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 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am a XXXX and a wire scam fraud was committed against me in XX/XX/2022. An investment scam fund was sent funds via a wire from my Chase bank account to the beneficiary bank which was XXXX XXXX located in Texas. 

In my previous correspondence to both banks on this issue my requests were denied. Chase bank and XXXXXXXX XXXX have not refunded the funds that were sent to fund a scam operation. I believe that it is the responsibility of the banks to monitor and flag suspicious transactions, especially those involving large amounts of money and unfamiliar recipients. 

Initially Chase Bank instructed me to contact the beneficiary bank which I did complete. 
I am making this claim to get my {$55000.00} returned to me. I just want my money returned, and I believe that both banks should take responsibility for ensuring my funds are recovered promptly to me. The process has been continuing for some time now and it has been very stressful and time consuming process, and I am hoping that this complaint will prompt both banks to take immediate action to resolve this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: CA

Complaint narrative:
I haven't been able to get a credit report from Experian in years. Any big purchases Experian does not show up. It has caused great trouble trying to buy a home and a car. When they have looked into it they have said it's an address problem. I have sent documentation in with my proper address, and this keeps happening. I was recently notified of a data breach by XXXX, and they told me to sign up with Experian so I can monitor my information, I reached out to Experian the same thing happened again. They are unable to identify me and my address and asked me to send in documentation proving my address. This has been going on for over a month and no one has been able to solve the problem. Today, XX/XX/XXXX  I am AGAIN mailing in documentation proving my address. I just hope in the meantime my information is not stolen or compromised. This has been happening for years. The problem is I am not aware that it is a problem until I go to make a big purchase. I went to buy a car and I get " Experian is not showing up on your credit report. '' I call Experian and they say " we need to verify you are who you say you are, so we need to generate security questions. So sorry, we can not generate security questions. please send in your ID and a bill with your address on it so we can add it to your credit report. Then they say the problem has been solved. 

A couple of years go by, I try to make another big purchase and I get " Experian is not showing up on your credit report. '' I call experian and they say " we need to verify you are who you say you are, and we need to generate security questions. So sorry, we can not generate these security questions. please send in your ID and a bill with your correct address on it so we can add it to your credit report. '' Then another couple of years go by and I now have this data breach and I call experian and guess what happens? " We need to verify you are who you say you are, so we need to generate security questions. So sorry, we can not generate these questions. please send in your ID and a bill with your correct address on it so we can add it to your credit report. PLEASE HELP.

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 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Unfortunately, this is my third time reaching out regarding this Bank of America account. This account is inaccurate and fraudulent and it needs to be removed from my credit report. I received a letter from XXXX stating the information was validated but there was no information as to how this information was validated, no proof was provided regarding my consent of 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 2023-04-21 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: FL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
On XX/XX/2023 Kohn Law Firm S.C in XXXX Wisconsin Sent me a letter with the attempt to collect a credit card debt of {$7900.00} and on their letter they state that Failure to comply with their Order may be contempt of court and I would be subject to Imprisonment up to Six months, Forfeiture and punitive actions. Their letter with the threat of Imprisonment is causing me a great deal of anxiety and and XXXX. It has also caused me emotion injury and I am now in constant fear and therefore its reflecting on my duty as a parent with home schooled children.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: IL

Complaint narrative:
2016 my Comcast account ( now known as XXXX ) was closed. The account balance was subject to a return of equipment ( a remote control device ). They billed {$800.00} for the equipment. I had a conversation with a representative about how to resolve this matter. The company 's required me to either return the devices or pay the the fee.after two years I have retrieved the device. I have tried to contact the department that could provide closure to this matter and remove the erroneous item on my credit report, to no avail. I also sent them a verification of the account reported on my credit history, With a 45 day response, to no avail. I reported this information to the credit bureaus but they did not properly process my findings. 
I have the device in question and would like the negative item removed from my credit history.. 


The account number associated with this matter is XXXX XXXX XXXX This account was closed in 2016. By my account this is 7 years ago.. it should be removed From all three credit bureaus agencies..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: WI

Complaint narrative:
I live in Wisconsin and receive child support on the Way2Go debit card, but I can not seem to use the card even though there is money on it. All online payments are declined. All payments via phone ( such as ordering food ) are declined, and most times is declined in store as well. After every decline, I check the account and see the money is definitely there. It is not a balance issue. It seems there is some sort of block on the card. 
I have called the number on the back of the card ( XXXX ) so many time and walked through every prompt available, but there are no options for the issue I am having as well as no possible chance of speaking to a real person. If you try entering in fake data to try to get a person, the call just ends. The website for Way2Go has no other options of contacting them either. This issue has been persisting for years. I contacted Child Support in XXXX XXXX WI today, and they let me know they have heard this issue several times, but there is nothing they can do. They mentioned taking this route to try to get a solution. There is even a XXXX thread complaining about this same issue, so I know I am not alone! I have called other state 's Way2Go program number, and there are prompts to speak to real humans, but they are unable to help me with this issue since I am in Wisconsin. Wisconsin 's Way2Go system is broken, and someone has to know an answer to helping us get the help we need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I spoke with Equifax on or about XX/XX/XXXX or XXXX XXXX to file a dispute for information reporting wrong on my credit report and asked for the inaccurate information to be removed. The customer service rep asked if I had supporting documents that I was making payments on the charged off account and if so, the items would be removed with my supporting documents. She gave me a fax number to send the documents to and said the documents would be uploaded within 24-28 hours. 

I called on XX/XX/XXXX to confirm that the documents were received and was told that they were not received. I called again on XX/XX/XXXX, and XXXX, XXXX. I spoke with a supervisor on XX/XX/XXXX and she told me that I should refax the documents or upload them to Equifax.com. I explained to the supervisor that I paid for the fax and was not going to refax them. She also said that they deal with other people sending in documents and for me to be patient. I think that was very unprofessional and that they should make sure that they give the consumer the correct information and not brush them off because they have other faxing documents, I was then told to upload the documents on the website or she would take the dispute again over the phone. I asked if that would start the dispute process over and she said yes. She then told me to upload the documents to Equifax website. I tried that and because the dispute was already submitted, I could not submit the documents. 

I called again on XX/XX/XXXX to see if the documents were uploaded. I was asked the exact same verification question from the previous calls and was told today that I could not be verified!

Company response to consumer: Closed with explanation