vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2024-02-26 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-26 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
On XX/XX/2024 I applied for a credit card in good faith with master card black card but was denied an extension of my own credit violating my consumer rights. According to 12 cfr 1002.7 ( a ) a creditor cant refuse to grant an account therefore I was discriminated against under the equal credit opportunity act as an applicant .This denial resulted in Several violations of my rights including but not limited to 15 usc 1602p Because company used my credit card SSN but no benefit was received by the card holder as defined in 15 usc 1602L. Im seeking compensation for unauthorized use without receiving a benefit because my credit was stolen but I was denied.

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 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is a follow-up to complaint XXXX XXXX continues to assert that JPMorgan was the institution that applied a XXXX XXXX XXXX  wire transfer to the wrong account at JPMorgan. {$340000.00} of the {$350000.00} was returned on XXXX XXXX XXXX The remaining {$6700.00} remains outstanding with JPMorgan claiming they can not access the funds ( which again seemed to have been applied to an outside account in error ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The deposit was made on XX/XX/XXXX which was a holiday. I contacted XXXX XXXX XXXX on XX/XX/XXXX at this time I was told once the funds were verified, they would likely become available in a couple of days. I needed to pay a contractor. If not, I said I could cancel the check and go back to my credit union and get them from there. It was suggested I wait until Thursday. I waited until Thursday when I got attitude from several associates. The issue is when I contacted my other banking institution to make a stop payment, I was told the funds had already been debited from my account. Making me unable to go and retrieve them. Also, keep in my I have a HELOC from my credit union and deposited a check for {$7000.00} the previous week as I am getting work done on my home. This hold is extremely long for the funds to already have been removed from my account. They do not sit in the clearing house for 5-8 days. They will be released on XX/XX/XXXX as I have been told multiple times is ridiculous. The money is somewhere with B of A collecting some dividends until they decide to hand them over. Meanwhile, I have to keep calling my contractor apologizing explaining that also he is done and is owed his balance I am waiting for funds to be available with no reasonable explanation. Bank of America just has poor customer service. The branch that I have a personal relationship with could not even release the hold. They were very apologetic and said I should be made because it made no sense that the hold was that long.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: LA

Complaint narrative:
I going through a divorce and was trying applying for a place to live when I discovered this collections. I reach out to dispute and proof of this collection never received info. Instead a false payment of a {$1.00} was added to the account as if I had made a payment and I clearly did not. Requesting immediately removal of fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was told when I deposited my work check that I would have my funds available that following Friday, my boss called and cleared my check as well as the payroll provider, chase is being very unfair, Im going though a very tough time and Im going on a full week without my hard earned funds, Ive done everything I could do but they are saying they will release XXXX XXXX which is totally not fair at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: MD

Complaint narrative:
I don't recognize these inquiries Equifax- XXXX XXXX XXXX XX/XX/2023, XX/XX/2023, XXXX XXXX XX/XX/2023 and XXXX XXXX XX/XX/2023 The Fair Credit Reporting Act states that hard inquiries must be deleted if not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
Hello My Names XXXX XXXX I Need Help Filing A Complaint On Chime For A Dispute That Keeps Getting Denied For No Reason I Am A Victim And I'm Not getting no help at all my bank account is empty and I have kids to feed bills to pay and cars to drive So what happened was I Just Got Out Of XXXX XXXXXX/XX/XXXX My Chime Account Wasn't Active The Whole Time I Was In XXXX So I Got My First Job In XXXX And Decided To Choose Chime For My Direct Deposit Since I Was Referred. I Don't Check My Account Alot Because I Don't Like to waste money on petty things so I know what I spend and don't. I went to a XXXX XXXX to buy some food and my card got declined so when I checked my transactions log there's multiple duplicated Charges From A Website I Haven't Used For Over A Year And Not Since I've Been To XXXX. I never signed up for no trials no subscriptions I never gave XXXX any permission to charge my account multiple times. I only used XXXX  once and that was to play a bet on XX/XX/XXXX. I showed my bank all the transactions told them the last time I used the service and I even have a XXXX XXXX XXXX saying this happened in error and still no help as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: PA

Complaint narrative:
There are unauthorized and unrecognized inquiries on my account which is preventing me from using my credit as I am building it

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 2024-02-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am a victim of identity theft due to the Equifax Data Breach. The following are fraudulent hard inquiries that I do not recognize and would like removed from my credit report ASAP. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2024 XX/XX/2024 I filed multiple claims totaling {$1200.00}. I purchased services on XXXX and XXXX  through XXXX. I got scammed because I never received the services and both merchants blocked my accounts after making the payments. Wells Fargo doesnt want to credit my account or solve the issue. Wells Fargo also used XXXX of my accounts to make some purchases and blamed it on me saying I put my information online ( account and routing number ) I froze my card and closed that account and made a new one. The new one was still making those unrecognized transactions. Wells Fargo also said I didnt have a right to make claims.

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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX I had to file a dispute with Chase against a merchant who ran my card for almost XXXX. After I tried to contact the merchant repeatedly, I had to file with Chase due to no help from the merchant. Chase decided on XX/XX/XXXX to close my account. On XXXX 2 direct deposits went into the account. They released a small portion of my payroll funds, but have almost {$1000.00} still being witheld. I spoke with 2 department managers, recorded the calls and I was told I'd be able to go into the branch on XX/XX/XXXX to get the rest of the funds. I spent 3.5 hrs there and despite having recorded calls and the banker speaking with the department who put the restriction, they are still illegally with holding the funds. They cost me my job over this as I had to run to the branch on XX/XX/XXXX to see what was going on. They also lied to me for 3 days in a row when I asked if they were closing my account. They have yet to give me 1 valid reason that gives them the legal right to withhold the funds and it is killing me financially as well as the other person 's money they are illegally withholding. The other person isn't on the account and they have 0 legal rights to withhold their money either. I have many call recordings where I was told I can get the funds and I'm still being lied to and given the run around. Initially they stated they couldn't release due to the claim filed on XX/XX/XXXX but, they closed the claim. So the lies keep piling and I have tons of evidence from Chase that I am supposed to be able to get the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
in 2018, I was contacted by an individual that stated that he was the owner of the dealership ( XXXX XXXX ) and understood that I had been behind on a payment and that he was at the courthouse to meet with the magistrate to swear out a warrant for my arrest. I stated to him that I had a XXXX wife and that was our only means of transportation at the time. He then stated that in lieu of the warrant that if he picked up the vehicle, he would call me back the next day to work out payment arrangements. I received no call back after they picked up the vehicle. I called XXXX XXXX and told them about what happened, the rep then stated that this individual that called me was not the owner. When I brought to their attention about their unlawful practices, they used in acquiring their vehicle the rep apologized and they zeroed out my balance. I had purchased XXXX other cars before that vehicle in which they all were paid. It was to my chagrin however, last week they reported an account that is over XXXX XXXX XXXX on my credit report, which caused my XXXX to fall XXXX points and my XXXX XXXX points. For years, the account has shown as XXXX until last week and has caused great harm and damage to my credit report and representation.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong 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 2024-02-26 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:
My name is XXXX XXXX XXXX XXXX XXXXXXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft due to the XXXX XXXX XXXX. The following are fraudulent hard inquiries that I do not recognize and would like removed from my credit report ASAP. Thank you. 

XXXX 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 2024-02-26 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: AL

Complaint narrative:
I started a dispute last week due to incorrect information on my credit report. I was denied multiple loans so after research it was discovered my credit was merged with another person. I received emails telling me my dispute is complete. The email tells me to click a link to view results. This takes me to sign in. Sign in and it then says results are not available online. It gives me a phone number to call with available hours. I have been on the phone with them for hours at the given phone number, and no one has been able to help me. They keep sending me to different departments, over and over. Dispute department, merge department, and online. They all say they can't help. My life has been completely upended due to Experion.

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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I called Chase bank to report fraudulent charges on my account. The night before I checked my account after a shower and saw my account was overdrawn {$200.00}, I had over {$3000.00} dollars in that account, at the time it was too late to call, so I called the following day. I called Chase and made the claim for fraudulent charges that completely wiped out my account in a few minutes. On XX/XX/XXXX chase bank sent me a letter saying they denied my claim of fraud, and that they were taking back the credit they had initially given me while they were investigating my claim. It was then that I learned that I can look at the claim details on the chase app. So I check the claim and realize there was miscommunication on the phone when I made the claim. The reason the claim taker had put on claim was refund for goods not received. I immediately called back and explained what happened with my claim. They opened a new claim with the correct reason, however it was closed soon after. I submitted a police report with the charges labeled as stolen funds. I also submitted a screenshot of the charges on my own personal account of XXXX which is the company that the thief used to buy a bunch of goods with my card. My account shows 2 items that I have purchased with them and nothing else. I have called Chase bank multiple times to correct their initial mistake when first filing the claim, however nothing has come of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I filed a dispute for {$4000.00} with a merchant and cancelled that dispute right after because it was solved with the merchant. Bank of America assured me weekly for one month that money would be sent back to the merchant, and it never was. The case was escalated multiple times, and Bank of America NEVER did anything, while I was continuously harassed by the merchant, and wouldnt even send me a letter which they promised they would do three times. Its over one month now, and Bank of America still hasnt sent any letter for proof they are sending the money back to the merchant. This is by far the worst bank I have ever dealt with, and I closed all my accounts with them due to their consistent lying and inability to perform their duties.

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