vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 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: FL

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. I did not knowingly obtained or should have known that I obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. The identified transaction is not information related to any transaction by me as the consumer. The request to block information was based on factual misrepresentation and not on a material misrepresentation. 

Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights.

15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 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 and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

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. I did not knowingly obtained or should have known that I obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. The identified transaction is not information related to any transaction by me as the consumer. The request to block information was based on factual misrepresentation and not on a material misrepresentation. 

Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX  : # XXXXXXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 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 and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account 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 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 2023-03-15 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 XXXX. XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account 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 furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It's been more than 30 days and the creditor has not updated the information nor provided proof or documentation of the late payments on my credit report. They have not supplied this information and must remove the alleged late payments on my credit report. Under Federal Law they had 30 days to complete this investigation and by failing to do so the item must be deleted from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I had a data breach on my credit report back on XXXX of XXXX were my credit and social security number was on the black market also people used my information with out my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I Opened Capital One CD on XX/XX/2023 with {$600000.00} deposit. 
I am already a Capital One customer. I have a credit card with a {$35000.00} credit limit. 
Capital One did not fund the CD until 14 days after I transferred the funds. Customer service informed me that there was a " hold '' on the electronic transfer. 
I need to log in to my account in order to add 3 beneficiaries to qualify for FDIC insurance. Without the beneficiaries added, only {$250000.00} is insured. 
Capital One will not let me access my CD online- the site says I must call XXXX which answers with " Capital One Customer Protection Resolution Team '' Calling that number I learned that Capital One requires me to send them photos of my ID using a smart phone. ( This was NOT a requirement when I opened the account, so I feel like I am being blackmailed, while having my funds at risk. ) I do not own a smart phone and had to borrow one to complete their verification requirement. 
Capital One received the photos fine ( the rep on the phone confirmed receipt ) but I was told that the " computer '' could not read them. I was also told that I could not access my account until I " verified my identity ''. 
I can only try to upload my photo twice per link sent to me, then I get locked out for " too many attempts '' and have to call back to get a new URL to try again. 
I tired uploading my ID 5 or 6 times, with both my Driver License and my US Passport, to no avail. 
When inquiring about how else I could verify my identity, I was literally told to drive from Florida to XXXX, Maryland to show my ID to a bank representative! 
Reps also told me they could not update my beneficiaries for my because not even THEY could access my account until I was approved by " risk management '' I am so upset with this situation now, that I want to close all of my Capital One accounts. 
I communicated my desire to close my accounts and was told that I can not close my account, or get my money back, until I successful upload my ID. 
I have 2-3 hours of recorded calls as well as screen shots of the web site. Multiple reps admitted to me that others have had the same problem that I was having.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Please refer to the details and CFPB complaint number XXXX. 

Immediately upon resolution of my claim the bank closed my account on a Friday afternoon with no warning and mailed the balance of my accounts, which left me penniless over the weekend. To add insult to injury I am now attempting to apply for credit, and they also immediately cut off my access to online banking, so I cant even go in and search my account, history, print bank statements or anything. Ive reached out to Wells Fargo in an attempt to get access within the 90 day period that I am to be allowed access to my account after it was closed. No one has called me back. This is now a stranglehold over me financially when I need to get a loan for funds desperately. I cant qualify without my banking history and now Ive only had my new account less than six months. All of my rental history a lot of my history that was being used to improve my credit. All of this is in those Wells Fargo accounts. I was asked what statements did I need and I need all of them for the entire 3 1/2 year. That I banked with them. I also need to be able to search my XXXX  history and I need XXXX searches done. There is an exhaustive amount of information that I have been blocked from that. I had legal right to access and I have been trying to get this cleared for months. Please help me I cant qualify for a loan without this documentation. This type of retributive action should not be excepted. After months, they finally refunded my money from the prior claim but my punishment would be immediate closure of my account, and no access to my banking history records that is not lawful.

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 2023-03-15 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: NY

Complaint narrative:
On XX/XX/2023 I sent a second complaint via CFPB regarding Equifax not granting my block and delete request although all required documentation was provided. On XX/XX/2023 Equifax provided feedback via CFPB stating that they have completed this investigation by contacting the furnisher. Equifax was supposed to block and delete NOT hold an investigation. Additionally, when an investigation is held it shall be an INDEPENDENT, PERSONAL investigation. Furthermore, Equifax claims to have provided a summary of the results listed however, theres no summary, just another request for me to Be specific with my concerns by listing the account names, numbers and nature of dispute. This is information that Equifax already had when I sent them my initial block and delete request. I am now for filling this request AGAIN via CFPB complaint for : Account name : XXXX XXXX  Account number : XXXX Nature of dispute : Identity theft Equifax is supposed to be fair and impartial with what they report and are required and obligation to ensure theyre reporting accurate information on consumers they share/sell information on. 

Attached below is my initial notice regarding block and delete request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
THE FIRST PROBLEMATIC ACCOUNT IS 1 ) XXXX XXXX ( XXXX ) XXXX XXXX # XXXX OR XXXX XXXX XXXXXXXX ( XXXX XXXX/ XXXX # XXXX AMOUNT {$0.00}. THIS ACCOUNT IS INACCURATE AT THIS POINT ITS FRAUD, THEY REPORTED AN ACCOUNT AS BEING LATE WHEN IT WAS WITH A WHOLE DIFFERENT COMPANY. NO FEEDBACK WAS NEVER GIVEN BECAUSE THEY WRONGFULLY REPORTED LATES TO MY ACCOUNT ( ACCOUNT WAS IN DEFERMENT/FORBEARANCE ). XXXX AND XXXX NEED TO REMOVE FROM MY FILE IMMEDIATELY. THE NEXT ACCOUNT IS 2 ) XXXX # XXXX AMOUNT {$3400.00}. THIS ACCOUNT WAS REMOVED FROM MY FILE AND REPLACED ON THERE ( I BELIEVE TWICE ). ITS ONLY ON XXXX. I'VE SENT IN A COPY OF AN OLD XXXX LETTER STATING IT WAS REMOVED YEARS AGO. BOTH ACCOUNTS NEED TO BE REMOVED FROM XXXX AND XXXX IMMEDIATELY. I'M GON NA FILE A CIVIL LAWSUIT AGAINST ALL 4 COMPANIES IF THESE ACCOUNTS CONTINTE TO LINGER FRAUDULENTLY ON MY FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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 XXXX Account # XXXX 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 furnish a account without my written instructions By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 


I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


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

Thank you for your time and help in this Matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
In accordance with the fair credit reporting fact XXXX account XXXX has violated my rights. It also stated insection 604 a sections 2 Its also stated a consumer reporting agency can not furnish a account without my written instructions.and also in sections 602 states i have the right to privacy.all of this falls under 15 USC 1681 Sections 602 and 1681 section 604 A Section 2 and USC 1666B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. I JUST TRIED SUBMITTING MY COMPLIANT BUT IT WAS CLOSED RIGHT AWAY FOR SOME ODD REASON.

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
Good morning, My name is XXXX XXXX I wanted to report this company they are not reporting correctly to all 3 bureaus and are hurting my score. My act number is XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: TX

Complaint narrative:
I called Chase on XX/XX/XXXX to inquire about some bonus miles that were going to be deposited to my account that I wanted to use to book a flight. I was told by the Chase customer service representative they would be deposited after XXXX when the billing cycle closes, and she directed me to go ahead and book the flight, and then after XXXX I would be able to see the miles in my ( Chase ) account, and I could apply them as a statement credit to cover the cost of the flight. So, I booked the flight. The following day I logged into my Chase account to apply the miles, but I wasn't able to figure out how. I called Chase and the customer service representative informed me that was not an option at all. I was distraught. That rep directed me to call United to see what they could do. I called United and was told I should cancel the flight and submit a claim to be refunded. I did so, but the ticket I purchased was non-refundable and the claim was denied. I disputed this with Chase immediately because I wouldn't have made the purchase if a representative of their company hadn't directed me to do so. I am being charged for a flight I never took because I was given bad information. Chase denied the claim, and I asked them to re-open in XX/XX/XXXX and to review the call I made on XX/XX/XXXX, which would confirm what I was saying. In XXXX I spoke with a manager who told me they reviewed the call and wouldn't release that information to me. I've been through multiple cycles of having to write a letter to have this reviewed, and receiving no correspondence from Chase for months ( almost a year ), then the charges are back on my statement, and I have to start over. I would like the charge refunded so I can close the account.

Company response to consumer: Closed with explanation