vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went to the bank with my father and he endorsed a life insurance check to me at JP Chase and Morgan Bank. From the death of my loved one. While I was XXXX my father had to handle my affairs which the life insurance signed a check to him. In the bank we provided two forms of identification, following call the next day with a mobile verification after the check cleared, I went into a JP Morgan branch, and tried to withdraw some money from the account they denied me access to the account and told me that my account was restricted, even though I gave them proper forms of identification along with my bank account number. They told me to call the fraud department, even though there was nothing wrong with the check my father endorsed to check over to me. Ive played phone tag with them for three weeks and they are giving me runaround answers about why they are not letting me have access to my money. Which is now delaying my payments, and making me late on bills that I didnt intend to inquire. I have no way of paying these bills and its severely putting me in debt. I told them I was going file a lawsuit about the way they discriminated against me, let alone withholding my money. To which their response was theres nothing we can do and do whatever you have to. In return, they close my account without my acknowledgment, and suspended my funds. Due to a verification system that is faulty and not using the two forms of identification process that we did inside the bank with the manager. We have been pressing the issue, and nothing is still being done. Nobody is doing their job, in order to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Spoke with transunion! XXXX disputing unauthorized inquiries and was instructed to submit via mail.

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 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase closed down all my accounts, one is the checking account with money inside and chase bank never refund the money inside the closed account. 2 were the credit cards, ( freedom and SPR ), chase bank locked all my accounts and I was unable to make payment on both credit cards. I was unable to log in the account to make payment and I do not have the card info with me since I barely used the physical card because I used apply pay most times. I went yo branch, they were unable to process payment because they said account were all closed but I keep getting email said my cards been charing interesting and I have to make a payment on that. But I was unable to log in the account even since the account was closed. They been saying my checking account money still being investigated and I do not know when will I have my money back even I need that money for rent, and day care and for living. I was very disappointed with Chase bank and I've been having them for over 10 years. This is very unacceptable since they holding my checking fund never send me back my money and keep charing my interesting on both credit cards I can not make payment to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Im not sure on dates but I am XXXX now and for the last 10 years Ive tried to gain access to my Wells Fargo XXXX account. I want to withdraw and put it elsewhere my bank said they wont deal with Wells Fargo because its almost impossible to get them to release funds. Im always give then run around. I verify all information accurately. Ive been told I would have it sent to me 6 years ago interest free because I requested it during the right time so they had to honor it. It never came. Ive called so many times and been dismissed they have given me case # s that ended up being bogus random numbers. Ive been hung up on when a representative would tell me I could access my money. Its been mentally draining. The last time I spoke to someone I. XXXX he said my husband who is not on the account could go into his Wells Fargo and they would give him the money

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-29 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
XXXX XXXX is illegally reporting my bankruptcy on credit report without my consent. I calllex the US bankruptcy court in XXXX. And they stated that, They do not share your personal information. Or do they report to the credit Bureau.

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 2024-01-29 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I'm writing to complaint to EXPERIAN about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint are XXXX and XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Thursday XX/XX/XXXX I sent a XXXX  transfer of {$2900.00}. The transaction immediately stated pending review and the funds were removed from my checking account balance. I received a email on Thursday XX/XX/XXXX of the pending review and immediately contacted Bank of America on XX/XX/XXXX to see what is going on and If I can provide any additional information that could speed up the review to assist with my XXXX transfer completing. When I contacted on XX/XX/XXXX I was told there is no information needed from me at that time since the email didnt say to contact them. On the morning on XX/XX/XXXX Friday at XXXX XXXX I received a email stating to contact Bank of America regarding the transaction with a case ID in the email. I contacted them on XX/XX/XXXX at XXXX XXXX and spoke with someone and provided them all of the information requested and let them know the urgency of the request as it relates to my Wedding. They let me know that they can not provide a timeline but that most likely within 2 business days this should get resolved. Today Monday XX/XX/XXXX, I contacted the same phone number and spoke with someone named XXXX who was rude and unprofessional speaking over me on the phone and requested an update and he responded saying that today is the first business day this case has passed and that there is no update and I requested to speak to a supervisor and was connected to XXXX who stated that there is no escalation path to expedite the review of this transaction, and that there is no way to intervene for a customer to escalate the delay or expedite in any way. 

I also would like to mention this transaction review was initiated by Bank of America over XXXX discrimination due to not understanding the language written in the comments of the XXXX  transaction which was in XXXX  written with XXXX letters, where as my transactions with comments in XXXX written in XXXX get transferred immediately, but in this case due to it being written in another language the transfer is now being reviewed. This situation does bare resemblance to the case CFPB handled with the discrimination of XXXX  Americans by XXXX that was announced by CFPB in XXXX, and this is unacceptable on part of Bank of America.

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 monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bilateral Credit Corp, LLC
State: NE

Complaint narrative:
XXXX XXXX XXXX. Abusive collection tacticsin the email that was sent me he stated XXXX XXXX vs. XXXX implying there was a lawsuit against me. He stated that he was going to send the debt to my credit report and hung up on me. He was very verbally abusive and argumentative. 
XXXX. I requested validation of the debt. When I asked if he could send the official notice he immediately refused. Failure to send collection notice that gives me the right to dispute the debt. 
XXXX. Claimed he sent a letter in XXXX, that letter actually came from XXXX and I responded with payment. 
XXXX. Multiple emails with multiple balances, payments paid, but initially claimed a payment wasnt. Claiming there were more overpayments when that was not communicated by the original creditor. 
XXXX. Demanded payment today without any notice or proof the debt existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
company 's failed to verify accounts within the 30 days period. that's in direct violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). If you can not verify the information within 30 days time period, you must delete all the disputed accounts from my report. cfpb you also fail to recognize this and. i requested i complaint last week and not chose to help my situation. i see accounts that i believe they are not accurate and not verified by me sending the letters and they not responding thats a violation of the FCRA i demand a reinvestigation. i will also do a complaint with the FTC

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED

Account name : XXXX XXXX
Account number : 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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED

Account name : XXXX XXXX
Account number : 688031

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit report on Experian was locked out due to an address error. Experian asked me to verify my information. They sent me a link through an email. I went to their website through the link and sent them the information they asked of me. My address, my ID, my social and I sent it back to them. They told me that they could not verify the information that I had given them and locked my credit report down so I can not use it. Creditors can not see my credit information. It has stopped me from being able to get a credit card recently because the credit card company that uses Experian could not see my account because it's locked. And not locked as in Frozen. It's locked as in the information can not be seen by creditors. I have reached out to experience several times about several problems that I have had with Experian. And this is not the first complaint. There has been several other complaints against Experian that I have sent. In Experian, stills keeps screwing me over making my life miserable. I feel like I'm being targeted, profiled Like Experian has such prejudice toward me or people like me. To this day my problem is still not resolved my credit account with Experian who reports my credit score. It's still locked and hasn't updated since XXXX the beginning of it. I can not purchase any credit monitoring software to see all three credit bureaus because Experian isn't reporting my credit score. I've even tried to purchase Experian credit monitoring system and I had to get a refund because of an error of Experian not reporting the right information. My address has not been updated and Experian claims that they can not verify my information. I've tried to reach out and call Experian several times, but I only get this automated computer or robot. You can't get in touch with a real person. It's like they blacklisted my number or something or my information because I can not get in touch with them.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX RE : Late Payment ( XXXX ) I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave XXXX, XXXX and TRANSUNION any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

XXXX, XXXX and TRANSUNION should be ashamed for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED : XXXX XXXX, Account Number : XXXX I was never late on XXXX, XXXX, nor XXXX on this account please update the account as Paid/Current. 

XXXX, Account Number : XXXX I was never late on XXXX on this account please update the account as Paid/Current. 

XXXX XXXX XXXX, Account Number : XXXX I was never late on XXXX, XXXX, XXXX, nor XX/XX/2023 on this account please update the account as Paid/Current. 

By the provisions of the fair Credit reporting Act, I demand these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
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. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX Without Prejudice, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief