vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 chase bank had closed my account due to fraud checks that were deposited in my account. The checks were officially seal checks from the controllers office because I am an XXXX XXXX XXXX XXXX XXXX XX/XX/2023 they were supposed to send a check with {$3000.00} from the account they closed but never did. They mentioned that they needed to verify that the checks were real and then they would release that hold and send over my money. Its been 2 months now and they still will not release that money to me. I have called multiple times and given them numbers from the controllers office to verify those checks and they claim they are not a business number. They still refuse to help me to get my money back to me. It is now XX/XX/2023 and they are still refusing even when I gave them numbers to call to verify those checks. This has been going on for too long and I just dont know what to do or my next step to get my funds back. They are still claiming that they can not get a hold of the state office or the number I have them is not a registered business number. I just want to get my hard work money back so I can pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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:
Last year I discovered a false account with XXXX XXXX XXXX and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX  and XXXX denied the claim XXXX This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX and XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2023-11-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Last year I discovered a false account with XXXX XXXX XXXX and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX, XXXX and XXXX denied the claim XXXX This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On Tuesday, XX/XX/XXXX, I deposited an emergency personal check for XXXX in person at the bank, drawn on an XXXX backed personal checking account. 

Within minutes at the bank, the funds for the check were verified as cleared. The funds were shown as withdrawn from the described source account at the same time. 

I was told by the bank that the funds would not show as cleared until the following day. By the time I arrived home, I received a notice from Bank of America that the funds were on an extended security hold ( 7 business days, i.e. 10 days ), and would not be accessible before or until the given precise time on the very last day of the extended security hold. 

I complained to no avail, including internal complaints, in-person visit, and XXXX XXXX XXXX filing XXXX The bank essentially had cash-in-hand, withdrawn from the source account, but in a float for the full extended security hold. The bank quoted their account policy, and then self-referentially stated they hadn't violated their own policy. 

This is the equivalent of depositing cash, but not getting it credited to the account for 7 - 10 calendar days. Bank of America claims they did no wrong, and " apologizes for inconvenience '', with no further action or acknowledgement. 

Upon research, this graft ( and fraud, in the legal sense of the word ) committed by Bank of America and its officers is a common-enough issue that there are class action lawsuits against the bank for misappropriating deposited funds. Bank of America is a crooked organization, and the evidence can be found in the XXXX XXXX Bank of America class action lawsuit filed in XXXX XXXX, Illinois on behalf of all Bank of America consumers with similar standing, regardless of state of residence. The case number is XXXX, and is attached here for reference. 

Bank of America has said they have done no wrong, merely changed their policy to begin bilking their checking account customers should orginal funds in the target account be less than the funds on deposit. This is an evasion. When the funds have cleared out of the source account, they are not " in transit ''. They are in a hold account that is used as rolling nightly float. Together with all the float funds that are automatically " put on extended security hold '' across America, the daily float runs around XXXX XXXX, often more, and over a rolling seven day period, the float fund can run as high XXXX XXXX dollars, taken from " little people '' who deposit checks that are instantly cleared, but not deposited for a full 7 - 10 calendar days. 

Bank of America is engaged in consumer fraud, with evidence.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
In XX/XX/XXXX I had defaulted on a car loan. The car ultimately was repossessed in XXXX of XXXX. The debt was then sold in XXXX. Both XXXX XXXX XXXX and the new debtor are displaying inaccurate information on my credit report. Both of them are not showing historical data from XXXX and XXXX to make the account stay on my credit longer than it should.

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 2023-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
On XX/XX/2023, my client paid me {$4000.00} via wire from their account at XXXX to my business account at XXXX XXXX XXXX XXXX that was managed by Wise. ( https : //wise.com/ ) Also on XX/XX/2023, XXXX XXXX XXXX XXXX and Wise formally ended their working relationship. 

I received one email message from Wise notifying me about this transition on XX/XX/XXXX : " Your old account details will continue to work until XX/XX/2023. After that, any payments sent to these details will automatically be refunded to the sender. '' Based on this language, it was unclear whether the wire would go through or not. I contacted Wise and was told it would not go through and the money would be refunded to my client within 5-10 business days. By XX/XX/XXXX, my client had still not received a refund, so I escalated the issue with Wise via email and phone, providing official proof of payment as requested. 

It's now XX/XX/2023, and still no refund. I've uploaded requested documents with no followup, and talked to customer support multiple times. No one can provide a date the money will be returned and Wise is refusing to take responsibility for their mess. 

It was only once I quoted Wise 's transaction agreement that a Wise agent started to take my issue seriously : RIGHT TO REFUND You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Wise US Inc. does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. 
If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. 

If you want a refund, you must mail or deliver your written request to Wise US Inc. at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX or via email through our Help Center. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the California Financial Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I had asked XXXX to dispute a fraudulent charge that kept showing up on my credit report that i had no understanding of existing in XXXX of XXXX. I never received a bill or anything other than it showing up on my credit report. Someone had used my information from an old address that i lived at the open up this account and had even paid part of the balance on it. I didnt even live at this former address for 2 years when this account was opened. I called XXXX XXXX on XX/XX/XXXX  to see if they could help me verify that this account was opened by identity theft and they said since i had a creditor investigate it that they couldnt do anything to help now. I didnt even know that this account was opened since i have never received a bill to my current address. I have asked that XXXX again look into this as fraud because it is and i have no awareness of this account. Please make this right. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On Wednesday XX/XX/XXXX at approximately XXXX XXXX  ET, during a Best Buy ( located at XXXX XXXX XXXX XXXX XXXX , XXXX, MA ) purchase, I was manipulated into obtaining a store credit card. Store manager XXXX, who was the cashier that processed my transaction, falsely advertised the store membership and credit card as a XXXX  XXXX  promotion. He then asked for my information as a form of identification in order to prove my eligibility for said promotion. I expressed I was not comfortable with sharing such information and he assured me it was just the standard procedure and that it would not be used for any other purpose than to confirm my identity in regards to the purchase. When I questioned the extra {$49.00} charge XXXX insisted that the total wouldnt be any different if he were to remove it, that it was merely a required hold. Upon leaving the store I received an email confirming my credit card application, and another welcoming me to their membership program neither of which were mentioned to me. I gave no consent to this and was coerced into singing up through a misleading presentation by the store manager. This occurrence is common at the store, salesmen are often encouraged to try and get away with membership charges and credit card applications as they are paid per commission.

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 2023-11-29 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:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: TN

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. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2023-11-29 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:
I am refiling this complaint to TRANSUNION for allowing the fraudulent accounts on my credit report. I filed an FTC report, with the identity theft report number XXXX. 
As I checked my credit report these fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be corrected or deleted from my files.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE THIS INQUIRY PLEASE

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 2023-11-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE THIS INQUIRY PLEASE

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 2023-11-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: MD

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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-11-29 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: AL

Complaint narrative:
This notice is to inform you that you have broken the law. You unlawfully report unauthorized accounts on my consumer report that have violated myfederally protected rights to privacy and confi dentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my creditprofi le. You have violated me pursuant information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable1028A. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation.You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. 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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of certain Inquiries on my Experian Credit Report Dear Experian XXXX XXXX, I am writing to formally dispute inquiries listed on my Experian credit report. Upon reviewing the report received on XXXX XXXX and Experian I have identified several inquiries that I believe to be inaccurate or unauthorized. 

Below, I have outlined the specific inquiries that I dispute along with the corresponding details : 1. Inquiry from XXXX  XXXX Dates : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  Reference Number : N/A 2. Inquiry from XXXX XXXX Date : XX/XX/2023 Reference Number : N/A 3. Inquiry from XXXX  XXXX XXXX XXXX XXXX  ) Date : XX/XX/2023 Reference Number : N/A I would like to emphasize that I have not provided consent for these companies to access my credit information or initiate these inquiries. Therefore, it is essential that these inaccurate or unauthorized inquiries are promptly removed from my credit report.

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