vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX I sent a letter to XXXX requesting that they remove inaccurate address information that is being reported on my credit report. 

They responded via email that the information was verified and that it would not be removed. 

This information is not accurate and is in violation of the fair credit reporting act.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX I sent a letter to XXXX requesting that they remove inaccurate address information that is being reported on my credit report. 

They responded via email that the information was verified and that it would not be removed. 

This information is not accurate and is in violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2024, I went to a Chase XXXX in XXXX XXXX, CA to make a wire transfer of {$230000.00}. The wire transfer was handled by XXXX XXXX banking officers. Several hours letter, I received XXXX emails from Chase to contact them regarding the restrictions placed on my account and also closing of the account. I contacted them immediately to go over the restrictions placed on my account and also learnt about closing of my account. I understand bank has the right to cancel my wire transfer and also to close my account. But Bank has the obligation to do so without causing financial distress to the customer. I had a wire transfer request for {$230000.00} and this was handled by XXXX XXXX financial officers at the XXXX branch of XXXX XXXX, CA XXXX. At no time, I was advised by the bank officials that if the wire transfer does not go through, Bank is going to go through an account closure process which will take XXXX days and the funds will be sent to me by check using US mail XXXX I can not wait XXXX days to get my funds of {$230000.00} and this will cause undue financial hardship. So I requested the bank to remove the restrictions and get my money back immediately and my request was denied. 
I am therefore sending my official complaint with the Consumer Financial Protection Bureau overseeing the rights of the consumers from being unfairly treated by the abusive power of the banks. Holding my funds of {$230000.00} for XXXX days is completely unnecessary and is extremely unfair. I pleaded with them to reverse the bank decision and return my funds immediately, but my plea was declined. 

Sincerely, XXXX XXXX XXXX Chase Acct XXXX. XXXX Ph XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
These two Capitol One credit cards were opened without my knowledge and I have no idea where they came from. I never received the cards and wasnt aware of the debt until XXXX XXXX XXXX informed me of them and started legal proceedings

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I first reached out to this company last XX/XX/year> asking for an investigation on account XXXX which has been reported on my credit report as a charge-off with a balance of {$9400.00}. They responded on XX/XX/year>, they were asking about the vehicle identification number, the account number, my name my address, etc. Why would they be even asking for that information, should they not have that information on file already since they were the ones who reported it on my credit report? Also, they said they would update the payment history., it doesn't make any sense! Upon checking my credit report just recently, it turns out nothing was updated! 

Pursuant to 15 US Section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, they should provide the procedures put in place to verify this charge-off account. I would like to see a detailed list of all transactions on this account. Which they have failed. Please help me remove this account from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: NC

Complaint narrative:
I HAVE DISPUTED THIS ITEM WITH EEACH CREDIT BUREA AND THEY HAVE ALL FAILED TO PROOVE ME WITH ORIGINAL WET INK SINGATURE CONTRACTS VERIFYING THAT THIS INFORMATION IS ACCURATE. THE DOCUMENTATION PROVIDED IS NOT ORGINAL, can be FORGED, and is not valid proof per FCRA LAW. FCRA 609A REQUIRES THESE AGENCIES TO PROVIDE ME WITH ORIGINAL WET INK SIGNATURE CONTRACTS, which have not been provided at all nor in a timely manner. IT IS THE DUTY OF THE CFPB TO ENFORCE THIS WITH XXXX, EQUIFAX, AND XXXX. I HAVE BEEN STALLED, sent multiple disputed regarding XXXX, XXXX XXXX, XXXX XXXX XXXX. THESE ITEMS DO NOT BELONG TO ME. UNDER SECTION 605B OF THE FCRA I REUQUESTING THIS INFORMATION BLOCKED AND PERMANENTLY DELETED. I have filed a claim against each agency reporting false information to my credit report. I will sure each agency who continues to do so. UNTIL THIS MATTER IS RENDERED I AM REQUESTING THAT ALL I FORMATION BEING REPORTED REGARDING THESES ACCOUNT ARE STOPPED, AND DEEMED UNKOWN UNTIL DELETED. I HAVE NEVER SEEN OR WITNESSED ANY CONTRACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/XXXX, I reached out to XX at US Banks XXXX XXXX, CA office. I explained there is another individuals name listed as the borrower on my US Bank online account after refinancing my house in XX/XX/XXXX. XX contacted his Loan Assistants ( XX and XX ) to research the issues. US Bank decided the issue is with the recording office ( XX ). 

XX/XX/XXXX, I reached out to XX asking to review their recording filings. 
XX/XX/XXXX, I filed an online complaint to US Banks Fraud Request Line. 
XX/XX/XXXX, received a secure document from US Bank ( XXXX ) stating a 3rd party entered the information incorrectly and US Bank is unable to remove it. 
XX/XX/XXXX, after several emails and documentation review, XX, Manager at XX, proved the recordings are correct and the clerical error is within US Banks system. 
XX/XX/XXXX, I sent my loan officer an email expressing my disappointment with the issues. 

On XX/XX/XXXX, I moved from CA back to my primary home XX. Since then, I have been receiving mail for XX at my home address AND my mother in CA, where I resided when I refinanced in XXXX, is now receiving mail for XX with my previous address : XX. 

XX/XX/XXXX, I requested a HELOC Loan from US Bank. Once closed, I again, saw XX name on my online mortgage account. 

XX/XX/XXXX, I called the County, and they confirmed the deed to my house IS in my name and US Bank has a clerical error in their system listing XX on my account. the County has XX document number as # # that includes a trust to XX and XX ( this information is included on my mortgage screen on US Banks website ). 

XX/XX/XXXX, I forwarded the information to XX, who started my HELOC process to ask if she can correct this mistake in the system. She reached out to her team ( XX ). XX replied to contact Mortgage Customer Service to see what they can do. I called XXXX, talked to a representative who recorded my case and NEVER HEARD BACK. 

XX/XX/XXXX, I emailed XX tell her my mom received mail at my old CA address with XX as the addressee asking X if she wants to sell her house with my address. 

XX/XX/XXXX, I posted my situation on XXXX via US Banks site. X from US Banks Media Customer Service reached out asking how he can help resolve this issue. I sent him my documentation and he notified me it can take up to 10-15 days for resolution. 

XX/XX/XXXX, I received a packet from US Bank with the documentation from my refinance in my name. THE ONLINE PORTAL STILL SHOWS XX IN MY ONLINE ACCOUNT INFORMATION. I WANT IT REMOVED.

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 2024-06-04 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: MI

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern, I am writing to request assistance from the XXXX regarding my issue with the XXXX credit bureau. After conducting some research, I discovered that the CFPB is responsible for overseeing credit reporting agencies. I kindly request your consideration of this matter, as I urgently need to remove errors from my report due to medical reasons. 

I sent a letter on XX/XX/year>, citing errors and inaccuracies in my credit report, and received a response within 30 days. However, it has now been over 35 days and I have not received any notification. I am providing the letters I sent out for you to review, as this will serve as my first step if I need to pursue this complaint further. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
Subject : Issue with Blocked Checking Account at Juno Bank Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue I have encountered with Juno Bank regarding the blocking of my checking account. I have been unable to make any transactions, including the use of my debit card, as the bank entity appears to be blocked. 

This situation has caused considerable inconvenience and financial disruption, and I am seeking assistance in resolving this matter promptly. I have not received any satisfactory explanation from Juno Bank, and the lack of access to my funds is a significant cause for concern. 

I kindly request your intervention in investigating the circumstances surrounding the block on my account and ensuring that Juno Bank takes appropriate action to resolve this issue without further delay. 

I would appreciate any guidance and support you can provide to help facilitate the swift resolution of this matter. Please do not hesitate to contact me if you require any further information regarding this issue. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/year> Account name : XXXX XXXX XXXX Re investigation Based on my request for a reinvestigation of the account reported by XXXX XXXX XXXX on my consumer report the first time I was not given details of investigation or shown any contract or disclosures with my wet ink signature 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : When a consumer reporting agency completes a reinvestigation of disputed information, it must provide the consumer with a written notice of the results of the reinvestigation. This notice must include : A statement that the reinvestigation is complete.

A consumer report that is based on the consumers file as that file is revised as a result of the reinvestigation.

A description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

This section ensures that consumers are given a full description of the investigation process, including who was contacted and the methods used to verify the disputed information., several key legal provisions are relevant, including 15 U.S.C . 1681 a ( e ), 15 U.S.C. 168117, and 15 U.S.C.

1681g. 1. **Verification Process** : I have the right to know how the account was verified and whether information solely from the alleged creditor was used, as per 15 U.S.C. 1681a ( e ).

This provision outlines the parameters for investigative consumer reports and specifies that information obtained directly from a creditor or consumer reporting agency does not constitute an investigative consumer report.

2. **Description of Investigation** : 15 U.S.C.

1681i7 mandates that the investigation be accurately described in its entirety. Any discrepancies in this description may indicate a failure to comply with the law. 3. **Disclosure of Information** : Under 15 U.S.C. 1681g, you are entitled to all disclosures of information on file, including the original contract with your wet ink signature and the three disclosure forms mandated by 15 U.S.C. 6802. Given these legal requirements, I demand the immediate removal of the account from my consumer report. Failure to provide the necessary disclosures and evidence to support the account 's validity would constitute a violation of consumer protection laws and necessitate its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: TN

Complaint narrative:
The following accounts are fraudulent please remove from credit report. 
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 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My current balance in my credit card is an overpayment of about {$36000.00}. I ask the company on XX/XX/XXXX to transfer the balance. When I checked on XX/XX/XXXX, nothing was done. 

The second person originally told me that it would take XXXX billing circles to send a check for the credit balance. I asked her if that was about 60 days and she said yes. When I mentioned that I would file a complaint with the cfpb, she made a phone call and said that it can be electronically transferred in 10 day. This is absurd and I ask that Bank of America be sanctioned with a monetary penalty for fraud. They can transfer my money to pay a bill in 1 day. Why not transfer an overpayment. 

In addition, they now tell me that I have negative rewards of XXXX due to the refund. I paid for a trip and made the trip with my family. Due to unsanitary conditions, my wife and XXXX other people that we know of got XXXX. The refund is due the problems that were incurred. Bank of America treats the repayment as negative rewards. This is also a fraud being perpetrated on her customers.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have a really bad experience with discover I have issues with XXXX things XXXX I received a request from discover to send my irs XXXX returns through XXXX XXXX I told them I dont have them. Because in the email it said to call them if I havent filed taxes. I was told to submit the form anyway. I kept on calling them to see if the restriction has been lifted. They proceeded to cancel my account without reaching out to me and told me to just open a new account and go through the whole process again. They refused to tell me the reason why they canceled my account I had to call them 7 times just to get the reason. It was cause i had not filed taxes. 

XXXX I asked them to refund my security deposit of XXXX dollars they told me I have to wait 3 months to get my money back. I told them I couldnt wait that long and it would financially constraint me as Im currently unemployed. They said they are going expedite it through ach and Ill see my money in my account in 14 days. I called them a couple of days back for a status update they said they dont know and they cant tell me and I should see my money in a couple of days. 
I called them again today now they are telling me I have to wait 3 months to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
XXXX  XXXX XXXX XXXX OWE XXXX MONEY TO THIS COMPANY BUT IS SEATING ON MY CREDIT! 

XXXX XXXX OWE XXXX MONEY TO THIS COMPANY BUT IS SEATING ON MY CREDIT! 

FACTUAL DATAXXXX XXXX OWE XXXX MONEY TO THIS COMPANY BUT IS SEATING ON MY CREDIT!

Company response to consumer: Closed with non-monetary relief