vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: GA

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. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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: GA

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. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was a victim of a SSN breach in which a fraudster opened up multiple fraudulent accounts using my SSN with numerous creditors including : XXXX XXXX, XXXX, Comenity Capital, and XXXX XXXX. They then went delinquent on all of the accounts and my credit score was destroyed. The fraud occurred in XX/XX/2022. The only lead I have is that the address for the XXXX XXXX account was XXXX XXXX XXXX XXXX XXXX, TX XXXX and it was started on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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: GA

Complaint narrative:
In Accordance To The Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. Erroneous and Misleading Things Of My Credit Report. 


XXXX XXXX XXXX Dept EdXXXX XXXX Dept Of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1689 Section 604 A.Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C. 1681 section 602 A.Section I have the rights to privacy.

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 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
In XX/XX/XXXX, I opened a " Miles and More '' credit card with Barclays bank. They told me that if I spent {$3000.00} in the first 3 months, I would get XXXX XXXX miles with XXXX. That is the ONLY reason I opened the card. I was on target to meet the minimum required spend and spoke with them several times about this. I called them on XX/XX/XXXX because my records indicated I spent over {$3000.00} and I wanted to confirm this with Barclays. They told me that I did indeed meet the requirement and that I would see the XXXX XXXX XXXX in my account the next day. I was excited! Well over a month went by and I never saw anything. I called them again on XX/XX/XXXX and they told me that I did not meet the minimum {$3000.00} spend. I was so upset. They had no record of the call that I made to them on XX/XX/XXXX! They created case # XXXX for me and told me that someone would follow up. No one ever did. I called back on XXXX and they told me they had no record of this case number. I am furious. I feel like I was mislead from the start and lied to along the way. I can't believe Barclay 's has no records of my calls to them. I know that I met the minimum spend and I feel I deserve the XXXX XXXX. I don't even want this card anymore and they've charged me an annual fee..

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 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a fraudulent check and deposited it in my bank account, unaware that it was fraudulent. The bank has since closed my account, and I made a police report about the incident. My bank account was with Bank of America and upon completing the police report they told me that I had to reach out to checks and explain the situation so that I will be allowed to open accounts again. Thank you.

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 2023-02-21 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: CBC Companies, Inc.
State: LA

Complaint narrative:
THIS agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely, XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX  XXXX XXXX., XXXX,, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-21 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: LA

Complaint narrative:
this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

they are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information their reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with their agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
My Venmo account was permanently suspended on XX/XX/2023 without warning or reasoning from Venmo. They said at their discretion if they believe we may have violated their user agreement they can decide to permanently disable my account. I did not violate any part of the agreement and Im not sure what they are talking about because they will not share any details on the reasoning behind my permanent suspension. I believe this is unfair and even fraudulent that for years this company has taken money from me via instant fees and whatever other fees but now they deem me in violation of their user agreement without explanation after taking my money for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2023 I issued a XXXX payment to a friend and it was never received. Ive tried calling capital one not XXXX, but several  times, and I keep getting different responses. At this point, I am just wanting to have my money back into my account. I issued a dispute, but no one has responded back to my complaint yet I am not worried. XXXX my end it shows that the payment wasnt delivered successfully. Ive tried explain this to customer care. Ur no one is hearing me. I need help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Below is a list of charges that was withdraw from my checking account without my consent and without warning from CHASE BANK. These transactions were unauthorized and against my will and it took over a month for CHASE BANK to alert me of these transactions going on. Yet after this and after I went through the proper procedure and " investigation '' with CHASE BANK they refuse to return my money. I have not spent almost a year searching for a way to get my money back which leads to today XX/XX/XXXX. 

-- Transactions list -- XX/XX/XXXXXXXX XXXX XXXX {$81.00} XX/XX/XXXX XXXX- {$30.00} XX/XX/XXXX XXXX- {$42.00} XX/XX/XXXX XXXX- {$100.00} XX/XX/XXXX XXXX- {$45.00} XX/XX/XXXX XXXX- {$91.00} XXXX XXXX- {$500.00} XXXX XXXX XXXX XXXX- {$2.00} XX/XX/XXXX XXXX- {$100.00} XXXX XXXX- {$1000.00} XXXX  XXXX XXXX XXXX- {$2.00} XXXX {$39.00} XXXX- {$610.00} XXXX  XXXX  XXXX- {$9.00} XXXX XXXX  XXXX XXXX- {$620.00} XXXX- {$640.00} XXXX XXXX- {$110.00} XXXX- {$2.00} XXXX XXXX- {$2.00} XX/XX/XXXX XXXX XXXX {$530.00} XXXX XXXX- {$75.00} XXXX XXXX {$19.00} XXXX XXXX XXXX- {$170.00} XXXX  XXXX- {$800.00} XXXX XXXX- {$7.00} XXXX XXXX- {$4.00} XXXX {$1100.00} XXXX- {$590.00} XXXX- {$7.00} XXXX- {$160.00} XXXX  XXXX XXXX XXXX XXXX- {$6.00} XXXX- {$88.00} XX/XX/XXXX ( when I was finally alerted ) XXXX XXXX XXXX- {$26.00} XXXX  XXXX  XXXX- {$100.00} XXXX XXXX XXXX- {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: LEXISNEXIS
State: LA

Complaint narrative:
this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
they are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information their reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with their agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have attempted numerous times to receive documents sent to me and also to XXXX XXXX, the company that withdrew funds from my savings account in error. Fraudulently. 

Since XX/XX/2022, Wells Fargo has neglected to provide XXXX XXXX nor me the requested documents. Each time these have been requested ; Wells Fargo says it will take XXXX business days to process. THEY DO NOT PROCESS THE REQUESTED INFORMATION. Instead, they come back with a denial on the claim. THIS IS NOT WHAT IS NEEDED. 

Wells Fargo does not read the request ( XXXX ) in entirety. If they were to do so, they would realize that it is a simple request for information so XXXX XXXX can refund my savings account. Without the information, XXXX XXXX is unable to deposit the funds into my account. 

HOW MANY REQUESTS WILL IT TAKE UNTIL WELLS FARGO REALIZES WHAT IS BEING ASKED FOR?!!!!!!!!!!!!!!! 

This is my XXXX  ( XXXX ) ATTEMPT with the Consumer Financial Protection Bureau. I have attempted several more times directly with Wells Fargo. No luck. 

WELLS FARGO NEEDS TO READ THE REQUEST IN ENTIRITY. PLEASE PROVIDE THE REQUESTED DOCUMENTS. ( Not bank statements and a denial -- that is NOT what I have been asking for! ) I am beyond irritated with the lack of professionalism of Wells Fargo.

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 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have been a customer with Capital One since XXXX with the account ending in XXXX. I informed Capital One of my XXXX XXXX situation and requested payment options. They advised me they could offer no further payment assistance and as long as I made my payment by end of the day on XX/XX/XXXX, I would not be past due or have any type of late fee. I made a payment around XXXX XXXX on XX/XX/XXXX and Capital One did not post it until XX/XX/XXXX and then proceeded to charge me a {$29.00} late fee on the account. After speaking with XXXX supervisors, they all declined to waive the charge stating they weren't able to. The charge shows on my account as authorized on XX/XX/XXXX. This is a very customer unfriendly policy. As a long time customer who is traditionally on time ( early ) payments, Capital One failed me when I needed assistance by not waiving the fee and not clearly setting expectations when I spoke to them about the situation in advance.

Company response to consumer: Closed with monetary relief