vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I deposited a insurance check into the checking account. Was advised when depositing the check that the funds will be available in two days. Upon going to the branch to withdraw the funds, I was told that the funds would not be available until the XXXX due to it being a new account. I was also told that this was available in the disclosures. I advised, the person at the bank that I received no disclosures via email as there are no disclosures available on their online account. I was also told that the check hold could be removed from a branch manager. The branch manager refused come into the bank to remove the hold, so I proceeded to call the customer service I spoke with the risk management management team. The risk management team locked my account. I have additional funds in the account alongside with the check for {$1100.00} as I advised them I will wait for the check to clear on the XXXX, but instead, they took the liberty of locking my account and not giving me any availability until the check clears which I have no availability to my funds. Also on the XXXX I may not even have access to the account so I will not have any access to my complete funds because the bank is doing a runaround I want my funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I spoke to Bank of America and XXXX in the fraud department. Somebody had attempted to open a fraudulent account, but we caught it in the early stages. They classify this is a third-party fraud. The account has been shut down and credit score companies have been alerted so they can remove this from my credit.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NC, XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX Employer - XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-15 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: MA

Complaint narrative:
On XXXX of 2024 I filed an identity theft case with Experian. Experian removed some of the fraudulent accounts, XXXX of the accounts removed was XXXX XXXX account # XXXX On Monday XX/XX/year>. I checked my credit report and Experian reattached the XXXX XXXX account # XXXX back on my account. I called the Experian customer service and I asked why they put the account back on my account after just being removed. 

They said XXXX XXXX sent them information stating it was my account and I can't have it removed. I asked the Representative if he could provide me with proof of their investigation and a signed affidavit. I was told no there was nothing I can do. 

I explained that Experian is in violation OF the fair Credit Reporting Act. 

The account status is inaccurately reported. This is inaccurate and does not belong to me. 
FCRA Violation : This misreporting violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires furnishers of information to provide accurate information.

15 U.S. Code 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ) Per 15 U.S. Code 1681c2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
The unfavorable rating on my account is a source of deep concern. I'm gravely worried about its impact on my credit standing. This negative mark has already led to the rejection of a recent loan application and higher interest rates on my existing credit accounts. I can not overstate the financial hardship and emotional strain this adverse rating has inflicted and will continue to cause until resolved.

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 2024-07-15 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:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2024-07-15 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: IL

Complaint narrative:
My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-15 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: IL

Complaint narrative:
My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-15 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: TX

Complaint narrative:
My numerous efforts to address the fraudulent inquiries on my consumer report have been unsuccessful. These inquiries are entirely unrelated to me, and I bear no responsibility for them. Their presence has resulted in significant emotional and financial strain. As an identity theft victim, I am considering legal action if this issue is not properly resolved. These inaccurate and fraudulent entries have impeded my ability to purchase my desired home and provide for my family 's needs, severely impacting my financial stability. For your reference, I have included a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: TN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-15 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: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX issued a XXXX rollover check ( No. XXXX drawn from a XXXX XXXX account ) dated XX/XX/2024, payable to XXXX XXXX in the amount of {$320000.00}. XXXX XXXX ( me ) was listed as " XXXX '' ( for the benefit of ) on the face of the check. The check was subsequently intercepted in the mail, and the XXXX was altered on the check. 

On XX/XX/XXXX, the following details were made available from XXXX XXXX, who presented an image of the cleared check, to XXXX : On XX/XX/2024, the check was presented for deposit at a Chase Bank, and the individual who altered the XXXX then forged the check. XXXX accepted the check, and the check was subsequently cleared through XXXX XXXX. I filed a fraud claim with XXXX on XX/XX/2024. I further provided an Affidavit of XXXX to XXXX, who submitted it to Chase Bank on or around XX/XX/2024. 

Chase is only communicating with XXXX and will not speak to me. 

On or around XX/XX/2024, Chase stated to XXXX that they will take XXXX or more days to review the case and come to a conclusion. 

Under applicable XXXX, only the Payee listed on the check can deposit it. The XXXX has no rights to deposit it. That means that the altered/forged XXXXO should never have been permitted to present the check for deposit. In this situation, Chase incorrectly allowed the altered XXXX on this check to receive the entirety of the funds from the check. It is very clear on the face of the check, that Chase messed up and should pay XXXX back, who will then in turn re-issue a check to me. 

Given the amount of the check, which represents my ENTIRE life savings, I am not only without any retirement savings but also losing any available earning while it remains un-invested plus will have to face whatever tax penalties to account for the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Creditor sent in debit. I sent in a XXXX requesting specific requested information to validate debit. creditor failed to send in the specific requested information to validate debit. This debit is currently being investigated by Florida Department of Agriculture and Consumer Services case number XXXX for breech of lease and illegally processing and keeping the security deposit. This debit was not to be turned over until the investigation was complete. Once it is complete all parties are planning on suing the Creditor for damages and loss of personal property. 

This is for the following people including myself : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
UWM Mortgage company issued payment from escrow to XXXX XXXX XXXX XXXX. The home policy was canceled and refund back to UWM mortgage company was issued. XXXX through UWM Mortgage was sold to a new company XXXX XXXX. UWM says they sent a refund check to XXXX XXXX to refund the escrow account. Nothing has happened and UWM keeps giving me the run around for the money. It is {$4500.00}. I have called both companies numerous times and can not get a straight answer where my money is. I was given a check number the refund was issued under. I feel I need to get lawyers involved and sue for my refund and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have an account opened since about 40 years at Chase Bank. 
I can not log-in because of an internal review process of belief that there is suspiscion of fraud. 
I want to tranfer the balance of about USD XXXXto my own Bank account held in XXXX. 
My request has been rejected twice although I have been speaking to " specialist '' representatives during last week. 

I was told just now from a supervisor that it is now in the escalation team of Chase J.P. Morgan. 
And that the account may be allonwing the wire transaction. 

I am an ex banker and specialized in compliance. I amm very weel aware of all compliance and duties of banks. My credit track record is XXXX This sitution is ridiculous and so inneficient for the procedure of the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: NY

Complaint narrative:
Transunion has not been investigating this alleged bankruptcy, in fact they are falsely verifying it with old information sent to them from previous disputes over 2 years ago. I have reached out to the 3rd party agencies I was informed Transunion got the information from. XXXX XXXX informed me the bankruptcy could not be verified and was deleted from my report in 2021 ( letter from them attached ) and XXXX XXXX XXXX informed me that they do not have any bankruptcy information for me on file. ( See attached ) I went to the bankruptcy courthouse and they informed me they do not have a bankruptcy listed on file nor do they report or give any information to credit reporting agencies. 

Transunion continues to inaccurately report this alleged bankruptcy that can not be verified nor have they sent me proof of how it was verified. 

I will be filing a criminal complaint with intent to sue if this bankruptcy is not DELETED from my credit report IMMEDIATELY.

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