vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened this business account to buy a franchise. I was told my funds would be available XXXX and uninstructed the franchisor as such. Every day I hear a different answer from Chase bank and we are now three weeks beyond when they drafted funds from the source account XX/XX/XXXX. This is gravely affecting my professional reputation. 

XX/XX/XXXX Checks from XXXX XXXX deposited for {$120000.00} - rep said avail XXXX - next day funds show in account but on hold XXXX Funds show cleared ( hold icon gone ) XXXX XXXX Went into local Chase branch to send wire per rep account restricted ( but funds clear ) XXXX Called fraud line to clear up Rep said " maker '' of check didn't respond to calls. I contacted XXXX XXXX and instructed that Chase would call to verify. Rep called and confirmed and said it would be cleared in 2-4 hours and that he'd call back at XXXX - never called XXXX I called Chase no record of earlier call rep called XXXX XXXX again to verify validity of check - updated file and we got disconnected XXXX I called Chase back to confirm previous rep notated acct current rep told me everything is in place and it would take up to 2 business days to clear XX/XX/XXXX XXXX Second business day money not in. Called and spoke with a woman who suggested I physically visit a branch and open a new acct as this account appears closed and it would likely be faster to open another and get funds in though it will take 3-4 days for funds to clear XXXX Visited Chase in XXXX XXXX Business specialist [ XXXX XXXX ] spoke with someone who also suggested we open a new account and it would be corrected in 1-2 days. 
XX/XX/XXXX XXXX Emailed XXXX at Chase explaining funds were still not available XXXX XXXX called and said they reopened the old account ( now I have two business accts ) and it would be another 1-2 business days before the funds populate Three day holiday weekend pushes 4th business day to XX/XX/XXXX XX/XX/XXXX Emailed XXXX at Chase to take a look - his contacts now saying 3-5 business days, which pushes the timeline to XX/XX/XXXX, though the person he spoke with said there was a " high probability '' the funds would clear by XX/XX/XXXX. 
XX/XX/XXXX Still no funds but I received a check via USPS from Chase for XXXX cents, which is the amount I paid to link an external account. Spoke with XXXX again who said my timeline is now pushed to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: William D. Meeker Enterprises, Inc.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX we opened an account with Chase Bank, XXXX XXXX, CA. A check of {$70000.00} was left with bank as the opening deposit. We were advised it would take a few days for the check to clear. The check was issued to our XXXX, for which we provided a copy of the fictitious business notification paperwork issued by XXXX XXXX. Chase cashed the check on XX/XX/XXXX and has since refused to make deposit monies into our account or return the funds. The bank has insisted on speaking with the issuer multiple times ( which they have ). Funds and business rational ( contract resulting in XXXX XXXX  payment for harvest ) were verfied. Bank over the course of several weeks has employed various stalling tactics from requesting additional information, to stating the funds would be released, to closing the account, reopening the account, talking to my husband and myself numerous times, the issuing agent multiple times, to stating funds would be returned in a form of a check, denying our ability to come in and pick up the check, to as recently as today XX/XX/XXXX stating that a check would be issued in XXXX days time refunding our monies. We are unable to XXXX XXXX XXXX without access to these monies representing XXXX XXXX XXXX worth of work and have incurred administrative time and cost in attempting to rectify this issue with the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act this Creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 's 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.

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 2024-01-20 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act this Creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 's 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act this Creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 's 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.

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 2024-01-20 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: MD

Complaint narrative:
I am writing to bring to your attention a matter of great concern regarding the accuracy of the information on my credit report. I have previously sent four validation letters on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

In each of these letters, I have diligently outlined the discrepancies I have identified in my credit report and have requested thorough validation of the information in question. Unfortunately, despite my repeated efforts, I have not received any proof of validation from Experian. 

The inaccuracies I am referring to pertain to [ specify the inaccurate information, such as incorrect account details, late payments, or other discrepancies ]. These inaccuracies not only impact my credit score but also create an unjust representation of my financial history. 

I understand that accurate reporting is crucial to maintaining the integrity of credit information, and I believe in the importance of fair and transparent credit reporting practices. Therefore, I kindly request Experian to conduct a thorough validation of the information in question and provide me with the necessary documentation to support the accuracy of the reported data. 

I urge you to treat this matter with the utmost urgency and address it promptly to rectify the inaccuracies on my credit report. As a consumer, I have the right to accurate and substantiated credit information, and I trust that Experian will uphold its responsibility to ensure the integrity of credit reporting.

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 2024-01-20 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/

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 2024-01-20 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: FL

Complaint narrative:
See the attached documents.

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 2024-01-20 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$130.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/

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 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
HELOC ending in XXXX U.S. bank stole my money! Without much explanation, they just decided to charge my account {$580.00}, and dont want to refund me. I have spent hours and hours of my time trying to resolve U.S. bank problems and no one even paid me for that time either..

US Bank perceived my homeowners insurance auto-renewal and as a insurance gap and decided to purchase insurance for me for that period of time. On XX/XX/XXXXXXXX XXXX XXXX XXXX my homeowners insurance policy was set to auto-renew, my credit card was on auto-pay, but the card expired and it failed to charge on XX/XX/XXXXXXXX XXXX XXXX got ahold of me and we fixed the issue I gave them a good credit card and my policy was RE-INSTATED by XXXX with coverage from XX/XX/XXXX to XX/XX/XXXX, which is the original coverage period so there was NO gap! Well US Bank still somehow perceived and claimed an insurance gap from XX/XX/XXXX XX/XX/XXXX due to that erroneous cancelation on XX/XX/XXXX, but that policy got RE-INSTATED so there was NO GAP! 
Every time I called US Bank it was a new agent that had no idea about the progress or what was already done on issue. They mailed letters were off topic and not reflecting our prior conversations. I have done everything they have asked for : uploaded both polices in XXXX and around XX/XX/XXXX that showed NO gap to website provided in their letters. They have received that evidence and proof, however, completely failed to respond. From XXXX I have learned that U.S Bank reached out to them and that XXXX confirmed that cancelation was erroneous and there was NO gap, they also provided U.S. Bank proof in email that they wanted. Still, without any feedback, bank charged my account. U.S. Bank does not care about evidence policy documents provided nor XXXX validation. 
This is a scam. There was no gap. U.S. Bank got all the proof they have asked for. I need {$600.00} refunded ASAP.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Accurate Background
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
on XX/XX/XXXX I applied for rental property in XXXX, XXXX : and were denied upon pulling a credit check ... causing rejection of my application... ..I contacted the collection agencies handling these out standing debts after receiving my credit report ... these accounts has been open fraudulently and I did not authorize anyone to use my name, personal information to obtain goods and services for any purpose..Unknown to me there has been XXXX apartments application that were submitted without my knowledge and not by myself on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX..I have contacted these XXXX property managment company and i am told they know longer handle the debt and its handled by a collection agency ... ..on XX/XX/XXXX I reported and filed a Identity Theft Report with the local police Department in XXXXXXXX XXXX  XXXXevent number/.case # XXXX ... on XX/XX/XXXX XXXX .i written letters to the 3 major credit burea concerning fraudalant accounts, victim of identity theft, and resolving this matter by deleting the debt from my name..the letters were mailed..disputting unauthorized debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: Self Financial Inc.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: MD

Complaint narrative:
I am writing to bring to your attention a matter of great concern regarding the accuracy of the information on my credit report. I have previously sent four validation letters on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

In each of these letters, I have diligently outlined the discrepancies I have identified in my credit report and have requested thorough validation of the information in question. Unfortunately, despite my repeated efforts, I have not received any proof of validation from TransUnion. 

The inaccuracies I am referring to pertain to [ specify the inaccurate information, such as incorrect account details, late payments, or other discrepancies ]. These inaccuracies not only impact my credit score but also create an unjust representation of my financial history.

I understand that accurate reporting is crucial to maintaining the integrity of credit information, and I believe in the importance of fair and transparent credit reporting practices. Therefore, I kindly TransUnion to conduct a thorough validation of the information in question and provide me with the necessary documentation to support the accuracy of the reported data.

I urge you to treat this matter with the utmost urgency and address it promptly to rectify the inaccuracies on my credit report. As a consumer, I have the right to accurate and substantiated credit information, and I trust that TransUnion will uphold its responsibility to ensure the integrity of credit reporting.

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 2024-01-20 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: Advanced Resolution Services Inc.
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: CA

Complaint narrative:
Hello, when I checked my XXXX XXXX on XX/XX/year>, I noticed there are multiple names on my account and XXXX  accounts opened without my permission under different name. I contacted Transunion and I told him my account was locked for last XXXX  years and how come, someone could open the account under my name they advise me to send a complaints to CFPB and let them know what happened the last time I open the credit was XXXX years ago through XXXX XXXX, and anything after that is not mine and there are multiple names which now associated with my account, which none of them belong to me would you please remove those accounts from my credit report and please remove the name thats not mine from my report also? My home address was changed also. There are some accounts which shows its closed also which doesnt belong to me please see attached screenshot of all the documents. Thats none of them belongs to me. Please remove all these from my credit report. thanks for your help.

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 2024-01-20 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: CORELOGIC INC
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

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