vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Chase Bank regarding an unjustified hold on a payment made to my business credit card account, which has severely impacted my business operations. 

Complainant Details : Name : XXXX XXXX Credit Card Number : XXXX Date of Incident : XX/XX/XXXX Amount in Dispute : {$12000.00} Description of the Issue : On XX/XX/XXXX, I transferred {$12000.00} to my Chase business credit card account. This transfer was intended to ensure I would be able to use the business credit card and that all business expenses would be properly deducted from my business account. However, Chase has placed this amount on hold for a " security review '' and stated that the funds will not be released until the XXXX of XXXX without further justification. 

Impact on My Business : The hold has prevented me from processing critical business transactions and caused damage to vendor relationships due to delayed payments. 
It has resulted in overall disruption to business operations, potentially affecting long-term business stability. 

I have contacted Chase customer service multiple times to request an expedited review and release of the funds. Despite my efforts, the issue remains unresolved, and Chase has not provided a satisfactory explanation or resolution. 

Desired Resolution : Immediate release of the {$12000.00} held by Chase. Audit of Chase business practices in that regard. Assurance that similar issues will not occur in the future. 
I believe that Chase 's actions are against consumer rights and represent a highly despicable business practice. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that financial institutions like Chase uphold their obligations to their customers. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: MS

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-07-10 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax has refused to provide my credit report until I give them my drivers license. I do not have a hold or freeze on my credit report. I do not have anything on my credit report that would not authorize an inquiry. However, Equifax has done this on their own. This is not in an attempt to help me or to protect me from fraud. This is their attempt to force me to provide them with my drivers license. I emailed them my drivers license years ago. They do not have the right to this much personal data. I want a real human being to contact me from CFPB? I want an investigation launched into Equifax? I dont want just an emailed response to and from the company. What theyre doing has to be illegal. When I told them they were being recorded they ended the call. They didnt want to be recorded violating the law. They told me that Ive been warned about recording them. They do not have the authority to block creditors from reviewing my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: VA

Complaint narrative:
Equifax, im sending you great progress that XXXX COMPLETED TODAY, They Knew what I was going through I lost my job during the XXXX crisis how could anyone pay for anything without a job.they seen that I settled the XXXX XXXX XXXX  account on XX/XX/year> and they didn't want to interfere with me not obtaining a mortgage What I seen from XXXX that there are still good people in this world. XXXX ROCKS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I contacted my mortgage company and told them they need to report my monthly payment to the credit bureau. The said they do not report my monthly payments because of a bankruptcy. This was discharged over 20 years ago. Its effecting my credit score and needs to be remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, secured credit card account opened at SelfLead on XX/XX/XXXX under the account number XXXX a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a charge account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-07-10 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, Consumer, Cardholder, Maker, who currently reside at XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint Early Warning Services , LLC, XXXX XXXX XXXX, XXXX, XXXX, or " XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. Early Warning Services , LLC is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Early Warning Services , LLC Consumer Report file of XXXX XXXX XXXX XXXX Consumer.

USPS TRACKING NUMBER FOR THESE DOCUMENTS : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I tried to Contact U.S. Auto sales for my payment history so that I can show you guys receipts on how much in total I spent on the car but the number that I tried to reach has went out of service. That company was doing alleged repossessions and charging me on wrong dates when I made sure that I made my payments on time. Westlake Portfolio Management has also refused to give me my Payment History as well and all they been asking me was is when Im going to pay them for a car that I cant even get back when I tried to get my vehicle out of repossession. Mind you the car cost a total of XXXX I already spent XXXX on the vehicle and all I had left on the car was XXXX but then XXXX Auto sales had sold the car for XXXX thats just False Advertisement for both Westlake Portfolio Management and XXXX XXXX sales and I was wondering if I could get a refund for XXXX cause stuff Is just not adding up with these XXXX companies I really Appreciate you guys for the help as well CFPB I wish you guys the best always and forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Monterey Financial Services LLC
State: DE

Complaint narrative:
I am not liable for this debt with career step, I do not have a contract with Monterey Collections Sv, they did not provide me with the original contract as I requested. 
Also it is not listed with the other credit bureaus : XXXX and XXXX, which proves it to be inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Recently i did a investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent Please remove the following items from my credit report, immediately 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
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Recently i did a investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive reached out to the 3 credit bureaus repeatedly over the past year to let them know that I am a victim of identity theft and that my consumer report has been used. I do not recognize these accounts and they need to be removed immediately. Im on the verge of being homeless and the state of my credit health is ruining my life all due to accounts that are being reported improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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:
Ive reached out to the 3 credit bureaus repeatedly over the past year to let them know that I am a victim of identity theft and that my consumer report has been used. I do not recognize these accounts and they need to be removed immediately. Im on the verge of being homeless and the state of my credit health is ruining my life all due to accounts that are being reported improperly

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Attn : LATE PAYMENT XXXX  XXXX Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To Whom It May Concern, I just pulled my credit report and discovered that a late payment account # XXXX Around that time, I temporally was in between employments, at the I was going through a divorce and moving back home however I was able to get a new job assignment and was once again able to make a payment to satisfy the remaining balance on credit card payment. 
I am just now realizing I had a membership fee and I never fall behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my credit cards, making them a priority. 
I wish I could reach back and fix it, Im not proud about this negative spot on my report, but it's the only one I have, and I would be extremely grateful if you could honor this request to remove the charged off status from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score.

If the late could be removed entirely, I would still be appreciative if you could make a goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: GA

Complaint narrative:
I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These issues include inaccurate account listings, multiple unauthorized inquiries, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: U.S. BANCORP
State: KY

Complaint narrative:
The US Bank ReliaCard will not allow me to transfer any money out of my US Bank ReliaCard account to any other account. When on the " Manage Money '' page in my account, the " Card to Card Transfer '' in the " Quick Link '' box does not work. In fact, every time I select it, it simultaneously logs me out of my account and opens a new page with the message : " Session Time Out. For your security, your online session has timed out. Please exit this window. ( If you were logged on to your account, please log on again. ) '' No matter how many times I try, this is always the end result. Which prohibits me from being able to move my unemployment compensation out of my mandated US Bank ReliaCard account and into my personal checking and savings account.

I've uploaded documents to my account to show proof of identity, which has done nothing to correct the issue. And have spent upwards of XXXX hours on the phone with the company being transferred over and over and over again, only to for them to hang up on me XXXX hours into the phone call, with no solutions.

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 2024-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX I 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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. 
PLEASE DELETE AND REMOVE ACCORDINGLY. 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 non-monetary relief