vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In late on the afternoon of XX/XX/2022 I deposited a check ( via mobile app ) into my Chase account in the amount of {$89000.00}. 

The following morning on XX/XX/XXXX at approximately XXXX XXXX  I logged into my account and the entire check amount was made available immediately for use in my account. 

At that time I proceeded to make several transfers to other business accounts held with chase and a single wire transfer to another party in the amount of XXXX. 

At XXXX XXXX, after having made the funds available to me, Chase put a hold onto my account after the fact, This made the account in which I made the deposit to have a negative balance of XXXX and change. The accounts into which I transferred the funds, all owned by different legal entities however did show that the funds were still available. 

On or after XX/XX/XXXX, Chase proceeded to withdraw without authorization the funds from 3 other accounts, the original transfers were completely deleted as if they never occurred. The wire transfer is the only of the 4 transfers made on XX/XX/XXXX that remained in my transaction history. 


On the morning of XX/XX/XXXX I went into the chase branch, I told them that I was upset, and that nobody forced them to make the funds immediately available, but that once it was made available and the funds were transferred they couldnt take these funds out without authorization unrelated entities accounts, the banker asked if I had contact info from XXXX XXXX, the bank from where the check was issued, I shared it, the banker called XXXX XXXX and XXXX  confirmed that the check was paid from their end on XX/XX/XXXX. The banker said that he was lifting the hold and that it would hit my account in 2 hours. 

Today XX/XX/XXXX the funds are still not available. The issues are as follows : 1 ) the bank can not continue to hold the funds unless there is reasonable concerns that the funds wont be paid, in this case Chase had direct communication with XXXX XXXX and no such concern exists, they have chosen to hold the funds in violation of Federal Regulation CC. 

2 ) once the bank made the funds available, they had no right to remove funds from unrelated entities, although they were not forced to make the funds available in XX/XX/XXXX Chase on their own chose to do so, there is no provision in Federal regulation CC that allows a deposit to be reversed once its made available when there has not been any information indicating any fraud whatsoever. Regardless of the above, the other entities are not a party to the funds availability, once transfers were made these entities must be able to rely that funds deposited and made available in their accounts are actually there to stay, they have not made any check deposits and can not be made a party to the hold policy of another account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: NC

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: NC

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-10-13 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: NC

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2022-10-13 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report with all XXXX bureaus and they are currently reporting inaccurate information on my behalf and it is resulting in damages as Ive been denied for several credit cards and loans due to this billing error. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to US 15 USC 1681a ( 2 ) ( a ) ( i ) the term credit report does not include, subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report so you are in violation of my rights by furnishing this information on my credit report due to all transactions and experiences are NOT supposed to be included in my credit report. 

Also according 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.

Lastly, according to 15 USC 1681s-2, ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

You must remove these items according to the FCRA laws listed above. I have never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report with all XXXX bureaus and they are currently reporting inaccurate information on my behalf and it is resulting in damages as Ive been denied for several credit cards and loans due to this billing error. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to US 15 USC 1681a ( 2 ) ( a ) ( i ) the term credit report does not include, subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report so you are in violation of my rights by furnishing this information on my credit report due to all transactions and experiences are NOT supposed to be included in my credit report. 

Also according 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.

Lastly, according to 15 USC 1681s-2, ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

You must remove these items according to the FCRA laws listed above. I have never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: SC

Complaint narrative:
I have been trying to buy a home since XX/XX/2022. Equifax is not allowing my lender to pull my equifax report. I have updated my address disputed my sons social security number from showing up on my equifax report and nothing has been done. My lender is receiving an alert from equifax when they try and pull my equifax report and its stating fraudulent the consumer report youre trying to access has been identified as fraudulent. Its prohibiting me from buying a home for my family. I need it taken care of as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I was XXXX XXXX XXXX and didnt understand how credit works. I was a co signer to my aunt who passed away due to XXXX. She was admitted to a hospital in a different state the car company wouldnt let me get the vehicle because I didnt have a license. She paid every month on time intel she passed away in XXXX. By the time I received a letter it was already too late to save the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Supreme Lending
State: MS

Complaint narrative:
I have gotten a divorce and faced financial hardships this year and have not been able to make payments. With that I may be at risk at loosing my home and have nowhere for me or my kids to go

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made 4 deposits into my Citibank business account on XX/XX/2022 in the ATM machine. The deposit amounts were, {$1400.00}, {$300.00}, {$6600.00}, {$1800.00} for a total of {$10000.00}. The deposits were comprised of a total of 12 checks from businesses. Of those 4 deposits ( 12 checks ) the bank only made available to me $ {$290.00} immediately to withdraw or write checks against and did not make the funds available until XX/XX/XXXX. As a result it caused two of my checks to be returned unpaid which is a huge embarrassment. I feel that the bank should have made more funds available than {$290.00} on the date the deposit was made considering the amount of my deposit, but instead made me wait 5 days because Monday was a holiday.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
I got sold a bad lemon car through us auto sales. The car broke down within 60 days of purchasing. They didnt want to fix the car through warranty because my agreement was written incorrectly and I didnt sign the new contract. I need it off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: SC

Complaint narrative:
I AM WRITTING TO YOU BECAUSE I HAVE RECENTLY REVIEWED MY CREDIT PROFILE AND FOUND THAT I HAVE MULITIPLE ERRORS BEING REPORTED, SPECIFFICALY SOME UNAUTHORIZED HARD INQURIES. I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW, OWN, OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY NUMBER/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF FEDERAL LAW AND THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. THE ACCOUNTS LISTED HAVE BE OPEN WITHOUT THE CONSENT OF THE CONSUMER. I HAVE NOT RECEIVED ANY BENEFITS FROM THE UNAUTHORIZED USE OF THE ACCOUNTS LISTED AND I DEMAND THAT ALL PROCEEDS GENERATED IN THE NAME OF THE CONSUMER BE RETURNED IMMEDIATELY AND FOR THE CONSUMERS CREDIT PROFILE BE RESTORED TO XXXX AS IT PREVIOUSLY WAS. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX PURSUANT TO 15 U.S.C. 1681 ( a ) ( 4 ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy- THIS IS A VIOLATION OF PRIVACY AND I DEMAND THESE UNAUTHORIZED ACCOUNTS BE REMOVED. 

SINCE THERE IS NO BUSINESS AGREEMENT OR CONTRACT BETWEEN ME AND THE CREDITORS LISTED ABOVE AND THEY DID NOT HAVE MY AUTHORIZATION, VERBAL OR WRITTEN, I DEMAND THAT YOU DELETE THESE UNAUTHORIZED USER AND INQUIRIES FROM MY CREDIT PROFILE IMMEDIATELY AS THERE IS NO EVIDENCE OF ANY AUTHORIZATION TO DO BUSINESS OF ANY KIND. 

PURSUANT TO 18 U.S.C. 1028 ( A ) ( 7 ) - knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. 

THESE ACTIONS ARE CRIMINAL AND UNLAWFUL. THE COMPANIES LISTED ARE REPORTED ON EQUIFAX, XXXX, AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial
State: GA

Complaint narrative:
Not my debt. Never opened a loan through this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: TX

Complaint narrative:
602. 15 U.S.C. 1681a ] There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 604 15 U.S.C. 1681b ] Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

623 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. 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. 

Account name XXXX Account numberXXXX Account type XXXX XXXX In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation