vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 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: GA

Complaint narrative:
On XX/XX/23, I decided to make a Chase Secure checking account and move all of my funds over from XXXX bank in a form of a cashiers check. I did not have any other Chase products except a Slate Edge card which allowed me to create a checking account using their online banking system. Creating the account was a smooth process and was told that my debit card would be arriving shortly. I decided that same day to step into a branch to deposit my cashiers check from XXXX  bank and was told that the funds will clear on XX/XX/XXXX. On XX/XX/XXXX, I signed on to my online banking to inquire about my account and received a pop up message suggesting that my account is blocked and for me to contact customer service. Once I called them, I was transferred to more than 3 people and when I finally got to the correct department was told that my account is under review and is going to be set to close in the next coming days. I was so confused because I got reinsured that this process would be seamless with the bankers I spoke to when I stepped into the branch to make the initial deposit. I was told that there would be not alternate option in me receiving my funds and that I needed to wait 5 business days until the account is permanently closed to receive a Chase cashiers check in the mail. I decided to call every day because of how stressed this has been for me and no kidding I received a different turnaround time and resolution from every different representative I spoke to. The day of writing this post, this is the 12th business day and just yesterday I spoke with a supervisor who stated all of this could of been avoided by the representatives by allowing me to pick up my funds in a branch. I was wrongfully advised and the request to release the funds is just now taken place. This is unacceptable. Chase is taking zero accountability. Every time I speak to someone Im being told to continuously patiently wait and wait with no proper knowledge of the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have a PNC Bank virtual wallet checking account ending in XXXX. I scheduled external transfers to move the money out of this account to my XXXX XXXX  account. There are XXXX major issues : XXXX ) PNC has put the limits on external transfer- not good. 
XXXX ) Even when the transfer is done or failed- the status on PNC 's side is wrong. External transfers are unpredictable. When reached out to PNC- they have no way to cancel the transfers or help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Recently, I did an investigation on my credit report which cause XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 14 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Resolution : As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and/or deleting the accounts listed in my dispute letters attached. 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 explanation
Consumer complaint received 2023-11-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-11-08 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: KY

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 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  XX/XX/XXXX I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( Trans Union ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 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 explanation
Consumer complaint received 2023-11-08 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: KY

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 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 did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( Trans Union ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 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 explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-11-08 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: TX

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW 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 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I and my wife are guardians for our XXXX XXXX son. My son receives Social Security ( SS ) funds and wages as a part-time employee in a supermarket. In the past the SS funds and wages were put in the same checking/savings account at JPMorgan Chase bank . However, I was told by XXXX XXXX XXXX XXXX that the funds should go into separate bank accounts. So, on advice of my attorney, I attempted to open a guardianship account in Chase approximately XXXX weeks ago. The guardianship account was opened, but immediately was placed on hold and the pre-existing checking/savings accounts in which the SS funds and wages were deposited were also put on hold. No one at Chase can tell me why the accounts were placed on hold nor what I needed to do to unfreeze the accounts. In the meantime, my XXXX son can not access his money to pay his expenses and bills, so I have had to cover them for him. I have been in daily communication with a banker and branch manager at Chase XXXX XXXX, NY branch ) and despite many apologies, no one has been able to help me. How Chase has handled this is reprehensible as this is affecting a developmentally XXXX adult who has elderly parents as guardians. There is nearly {$30000.00} in the frozen checking and savings accounts that my son can not access now and I don't know if his monthly SS direct deposit funds will be accepted into the frozen accounts so he may lose that money as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On or about XXXX of the year 2019, I opened an XXXX XXXX credit card account. This was a valid account linked to my bank account and all the charges up until XX/XX/2019 were mine and authorized. 

However, in XXXX of 2019, various of my accounts were stolen/hacked including my original XXXX XXXX card , my bank account, and a new XXXX XXXX XXXX account was opened up in my name using the previous original and valid XXXX XXXX account for my credit card. I filed an official Criminal Complaint with the Court in the Commonwealth of Virginia about this fraud and theft. 

I sent XXXX XXXX a copy of this Criminal Complaint and a " Fraud Affidavit '' in regards to the illegal activity. 

XXXX XXXX responded by denying my fraud claim based on the allegation that I allegedly didn't notify my bank of the fraud and that it was linked to my bank account. Of course it was linked to my account as the original and once valid XXXX XXXX account was stolen/hacked. Which I find irrelevant and false as I did notify my bank of the fraud. And my bank is irrelevant because I reported the fraud to XXXX XXXX with a valid " Criminal Complaint '' issued by a Virginia Magistrate and Court.

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 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
In the month of XXXX i logged onto rocketmortgage.com to make my monthly XXXX payment i then noticed that the payment it showed due seemed as it was doubled ( {$1600.00} ) since it was towards the end of the month ( XXXX or XXXX ) i assumed that it was for XXXX and XXXX so i made my normal payment in the amount of {$900.00} about a week and half later a got a credit alert showing that I didnt make my mortgage payment I immediately called rocket mortgage and was told that i was sent letters in XXXX about lender placed insurance because my homeowners policy had lapse, I explained to the rep that my insurance never did lapse for i pay out of pocket personally i then asked my insurance agent to send over the docs needed to prove coverage was never lost In the meantime of this while trying to make a payment the site is saying that i owed a total of over {$2000.00} for the month of XXXX, i explained to the reps that I dont have this amount of Money to pay and they manually took my payment of {$900.00} over the phone because the website would only allow me to make the full payment of over {$2000.00} Finally rocket mortgage got everything corrected with the homeowners policy they dropped lender placed insurance and credited me back the funds they charged me for the lender placed insurance however they are saying that my account being in default doesnt allow me to pay my insurance on my own and has to be escrowed which has my payment more than the {$870.00} which was what the agreement was when loan was opened in XX/XX/XXXX I have received 30 day lates on my credit report due to this issue for XXXX and XXXX I would like these removed asap this was no fault of mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 explanation
Consumer complaint received 2023-11-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
If, after any reinvestigation after paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. I sent out validation letters to 2 credit bureaus ( Experian XXXX XXXX ) to verify the following accounts below. The credit bureaus VERIFIED INACURATE DATA. Here are those accounts that were in dispute : Account : XXXX XXXX XXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate Experian reports : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX - 'Date Reported " is inaccurate Experian reports XXXX XX/XX/XXXX XXXX reports XXXX XX/XX/XXXX The account has already been deleted by XXXX due to these inaccuracies but XXXX & Experian have yet to delete them and I'm requesting assistance with the deletion of this account through CFPB. Account : XXXX XXXX XXXX XXXXXXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date Reported ' is inaccurate on 2 bureaus Experian reports : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Requesting deletion of this account due to inaccuracy even after reporting agencies reported information as verified. Account XXXX XXXX XXXX XXXXXXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate on 2 Bureaus Experian reports : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX - 'High Balance ' is inaccurate on 2 Bureaus Experian reports : {$0.00} XXXX reports XXXX {$520.00} XXXX reports XXXX {$1300.00} Attached files to show inaccuracies are from 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 explanation
Consumer complaint received 2023-11-08 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: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-11-08 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:
I have spoke with transunion on XXXX occasionas to remove inquires that are not mines. They have not been deleted and they are giving me a hard time I have filed A ftc/police report I even provided them with this information. I provide with the statement according to consumer laws : You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX  days from the date of the receipt of this notice. I look forward to your response " and yet the inquires still remain im requesting immediate removal

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 2023-11-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Open Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Clos
ed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of 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 2023-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In ordinance with the Fair Crediting Act this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states thatsi have the right to privacy. Under 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2023-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-11-08 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: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation