vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 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: GA

Complaint narrative:
According to 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. 
I am fully aware of my protection and what these laws mean fully. The accounts are listed below as follows : XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX. XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) # XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # 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 : States that a consumer reporting agency can not furnish an account without my written instruction, which I have not given Equifax ANY written consent to furnish anything about myself on my consumer report. 

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 reports by more than seven years. 

15 U.S.C 1681s-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 that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: LEXISNEXIS
State: GA

Complaint narrative:
According to 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. 
I am fully aware of my protection and what these laws mean fully. The accounts are listed below as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) # XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # 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 : States that a consumer reporting agency can not furnish an account without my written instruction, which I have not given XXXX ANY written consent to furnish anything about myself on my consumer report. 

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 reports by more than seven years. 

15 U.S.C 1681s-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 that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
When I first started this account back in XXXX I dont the date but I put money on my card I was at the store and my card wasnt working so I called them they said I had to call them to activate when that should have been told to me in the beginning when I activated my card on the app it said ready to use. it never said nothing about calling citi bank to double activate your card lol never heard of that if it did also when I asked to speak with supervisor or manager they denied me all the times when I called and asked to be honest I dont even know if they have a supervisor because I never got a Chance to speak with one I also waited literally 1 hour after they hung up on me to talk to another person that person wasnt speaking good understandable English they also said my phone number thats in my legal name they said they couldnt verify it under my name which they did when I opened the account so after all that I finally got to speak with someone who helped me get my account back from being blocked he legit told me over the phone that my account is back to working which I was lied to they keep saying security needs to talk to me when I already talk to them and other in they departments Im late on rent and my bills because they holding my check

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 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I deposited a check on XX/XX/XXXX for {$2300.00}, for which I received the notification from Chase Bank that {$100.00} has been credited to my account immediately, whereas the remaining amount i.e. {$2200.00} will be credited on XX/XX/XXXX and the amounts were credited too, which made me realized that the check has got cleared. In turn, I refunded the money back to the person who sent the check by mail ( who apparently was a fraudster ). 
Later, on XX/XX/XXXX surprisingly the said check got bounced and I saw a debit on my account. 
Between XX/XX/XXXX and XX/XX/XXXX, I made lots of call to Chase Bank, and they confirmed that they credit the full amount once they get confirmation from Issuing Bank, but couldn't confirm why the check can get bounced later. Also, when I dropped an email to them on XX/XX/XXXX, they never replied back to me with the clarification. 
Because of this, I landed to a situation wherein I lost {$2300.00}, and Chase is not providing the amount back due to flaw in their policy/process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
On XX/XX/2022 I received a call from what caller ID showed as Chase. The caller stated my card was being used fraudulently and Chase was going to send me a new card. They send me an email and ask for the code that came on that email. Unfortunately I gave them that code. They then set up XXXX XXXX on their phone with my card. They had my phone number, my email address and my credit card number. I did not give them any of that information. They then proceeded to use my card for XXXX purchased totaling over {$5900.00}. I canceled my card after I discovered these charges. I notified Chase. They informed me I was responsible for these charges. I appealed this twice and both times they rejected my claim. The last response from them was that " You received benefit from this transaction. '' This was not possible since the transactions were on a different XXXX where I was and live.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-09 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: FL

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX This company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I did not provide any written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.=Except as provided in paragraph ( XXXX ), the term consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Please delete the above late payments from my consumer report, because this agency is in violation of 15 USC 1681. 


Best regards, 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 2022-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX. 
Subject : Credit Report Inaccuracies Date : XX/XX/2022 TO : XXXX From : XXXX XXXX XXXX Comments : I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed. 
A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. 


XXXX XXXX XXXX Dear Credit Reporting Agency, I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from Identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681C-2 ), PLEASE BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this Section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.

I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 
Sincerely, XXXX XXXX XXXX Enclosures : List of Fraudulent Accounts on my Report FCRA Sections 605,609,6011 Proof of Identity and Address XXXX XXXX XXXX To Whom It May Concern : I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below : INQUIRES : Prepared For XXXX XXXX XXXX Date generated : XX/XX/2022 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 2022-12-09 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX. 
Subject : Credit Report Inaccuracies Date : XX/XX/2022 TO : XXXX From : XXXX XXXX XXXX Comments : I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 


XXXX XXXX XXXX Dear Credit Reporting Agency, I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from Identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681C-2 ), PLEASE BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this Section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 
Sincerely, XXXX XXXX XXXX Enclosures : List of Fraudulent Accounts on my Report FCRA Sections XXXX Proof of Identity and Address XXXX XXXX XXXX To Whom It May Concern : I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below : INQUIRES : Prepared For XXXX XXXX XXXX Date generated : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX. 
Subject : Credit Report Inaccuracies Date : XX/XX/2022 TO : Experian From : XXXX XXXX XXXX Comments : I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 


XXXX XXXX XXXX Dear Credit Reporting Agency, I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from Identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681C-2 ), PLEASE BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this Section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN XXXX BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 
Sincerely, XXXX XXXX XXXX Enclosures : List of Fraudulent Accounts on my Report FCRA Sections XXXX Proof of Identity and Address XXXX XXXX XXXX To Whom It May Concern : I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below : INQUIRES : Prepared For XXXX XXXX XXXX Date generated : XX/XX/2022 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 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
OK XX/XX/XXXX WENT TO THE BOA ON XXXX XXXX XXXX XXXX AND ASKED THEM TO TAKE OFF A CO OWNER XXXX XXXX WHO LIVES IN XXXX AND SHE CANT WRITE BECAUSE HAVING OPERATION ON RIGHT WRIST HER WRITING HAND. 
THEY MADE ME WAIT THERE FOR AT LEAST XXXX MINS AND WHEN THE MAN CAME BACK HAD SOMEONE ELSE WITH HIM AND SAID HE COULD CLOSE THE ACCOUNT TO TAKE OFF HER NAME. tHEN HE WANTED ME TO HAVE HER COME HERE TO THE BANK AND SIGN PAPERS I TOLD THEM THAT CANT HAPPEN. I ASKED THEM TO GIVE ME THE PAPER AND WOULD SEE ABOUT WHAT I COULD DO, I LEFT WITHOUT THE PAPERS AND THEY WOULD NOT DELETE THE NAME OFF AS CO OWNER ACCOUNT XXXX XXXX XXXX TAKE XXXX XXXX OFF AS CO OWNER THATS ALL.

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 2022-12-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial is repeatedly violating the FDCPA. GM Financial has reported debt on my accounts XXXX 's without ever contacting me first to notify me of the debts. Additionally, my debts were due to their system failures and deficiets in their customer service and billing departments, which makes their FDCPA violation more eggregious. 

Per the Consumer Financial Protection Bureau ( CFPBs ) debt collection rules as of XX/XX/2021, debt collectors must take certain steps before reporting a debt to a credit reporting company. Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company. 

Unfortunately, we received no notification of any kind that an alleged delinquency had occurred with accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: SC

Complaint narrative:
Checkr continues to report my XXXX  history from prior to the past 7 years, from XXXX ( almost 13 years ago ) and XXXX ( almost 17 years ago ). When I asked them to please remove it since its not complying with the FCRA guidelines of only allowing a background check for employment to go back only 7 years. FCRA guidelines for background checks, including XXXX  history, is supposed to only go back the previous 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Today, XX/XX/2022, I received a XXXX XXXX offer for an item I was selling. After agreeing to the amount and date, she claimed to want to send me the money now and pick up the item on the agreed upon date. I received an email from what looked to be zelle that my account needed to be upgraded. To do this, she was supposed to send me {$400.00}, that I would then return to her, and send a screenshot reply to the email. The names on the XXXX XXXX account and the zelle did not match. After sending the {$400.00}, I immediately called my bank, XXXX, because it didn't feel right. The associate saw that the transaction was suspended and tried to cancel it but was unable to. She then gave me the number to zelle directly, but they refused to help because it was done through my bank account and not a separate zelle app. 

I then received another email requesting even more money. She has messaged me multiple times since then asking if I have received this email.

Company response to consumer: Closed with explanation