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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please urgently remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I deposited a check from a relative 's workplace as a partial payment for my car. I forgot to endorse the check to my name, but I did write 'only for Truist mobile deposit ' on the back, as requested by the mobile app. The same day, I received an email from Truist stating that my account was on hold and the funds were unavailable. On the XXXX, I received another email saying my account was locked due to a fraud investigation. I called the XXXX department and explained the situation, offering to re-deposit the check with my endorsement. They asked questions about the check and said they would respond by XX/XX/XXXX. When I visited the branch on XX/XX/XXXX, the representative treated me like a criminal, stating that I had been marked for fraud and could never open an account with them again. They said my money would be sent to me by mail if it's cleared. I was shocked and confused. On XX/XX/XXXX, I received a letter stating that my account was closed, and the remaining balance might be seized, returned to the original owner, or sent to me by mail. I still don't understand why this is happening, why I can't access my account or my money, which has been frozen for almost XXXX weeks. This was my direct deposit account, and I had only had it for XXXX months.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See all letters I have attached

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: CA

Complaint narrative:
I was trying to buy a house and I realized I have a few damages on my credit report.According to the 15 USC 1681 law, there should not be any damages on my report, is a defamation on my character.

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: CA

Complaint narrative:
PLEASE BLOCK AND REMOVE It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough investigation and expedite the removal of these unauthorized accounts from my credit report as quickly as possible. Your immediate attention to this issue is greatly appreciated.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to escalate my previous complaint regarding the prolonged and unjustified withholding of funds by Chase, which has severely impacted my financial stability. Despite my continuous efforts and previous complaint, the resolution offered by Chase remains unsatisfactory and lacks substantial justification. 

Key Details of Chases Response and Rebuttal : Account Closure and Fund Withholding : Chase referenced their right under the Deposit Account Agreement ( DAA ) to close accounts and withhold funds for investigations. While they claim this is to protect both parties or comply with legal requirements, they have not provided any specific evidence or detailed reasoning that substantiates the alleged 'suspicious activities ' involving my accounts. The vague nature of their investigation and the indefinite withholding of funds without a set timeline are concerning and cause undue hardship. 

Lack of Specific Time Frame : The absence of a specific timeframe for completing the investigation, as mentioned in their response, is particularly troubling. It is unreasonable to withhold personal funds indefinitely under the guise of an ongoing investigation without providing regular updates or concrete evidence of the necessity for such an action. 

Terms of the XXXX  : While the XXXX may allow the bank to close accounts and withhold funds, this right must be balanced with the obligation to treat customers fairly and transparently. The XXXX does not provide the bank carte XXXX to withhold funds indefinitely without accountability. This action seems to be an abuse of the terms intended for legitimate protective measures. 

Request for a Fair and Timely Resolution : Given the prolonged duration of this issue and the impact on my financial well-being, I am requesting an immediate review and release of my funds. Additionally, I seek a clear justification for the continued withholding of these funds, and if none can be provided, then the immediate release of all funds with appropriate interest compensation for the period they were held. 

Potential Legal Violations : I am concerned that this situation may involve violations of consumer protection laws which advocate for reasonable handling of such investigations and require financial institutions to act within a reasonable timeframe and provide adequate notifications.

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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I recently reviewed my credit report, and I noticed an account that was not reporting correctly. There are two late payments being reported that in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this report on XX/XX/year>. I'm now requesting you investigate this account and update these accounts as paid on time immediately. Thank you for your understanding and prompt action.

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: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX

Complaint narrative:
Company keeps calling multiple times while I'm at work back to back. For example today I had 3 calls all at XXXX XXXX  while I was in a meeting. The voicemail left was from a robot not stating why they were calling. I only found out who they were because I XXXX  what XXXX  was. XXXX and my phone carrier both flag the number that is calling as spam, so I'm not even sure if it's actually XXXX  calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I had received a lump some of money from an investor that invested into my small business and some how my account was compromise because someone hacked into my account and tried to make an transaction and I believe that the Bank of America believe that I knew about the fraudulent attempt and when I tried to log into my account I couldn't because they locked my account, so I called the Bank of America and they transferred me to their risk team department and remind you all this was happening while I was at work, so one member of the risk team told me that I had to go into the Bank of America in person, so I did that following Monday and I also passed the risk team questions as well and they still decided to closed my account out, which they sent me a refund of a hundred dollars and something, so I called them and I talked to a lady and she looked at my account and said that the rest of my money is placed on hold because it's being investigated and when it clears, then they will send it out and it's not a time frame because the higher department doesn't tell them anything. My problem with the Bank of America is that they are holding my money and that they never texted me or called me about any fraud activities that they identified on my account because I had to call them and I have fraud alerts on as well, so I am wanting my money!

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently attempted to purchase a car and discovered inaccuracies on my credit report. According to 15 U.S.C. 1681, there should not be any such errors on my report. These inaccuracies are damaging to my reputation.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have issues with keeping my credit score up because of an unknown Discover Bank Account in which Im somehow and authorized user, yet I have no access to the said account nor do I know who it belongs to. I reached out to people I couldve thought Itd be but none of them said it was there account. I need to be removed from this account I dont know who it belongs to or have any access to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Spring Equity LLC
State: PA

Complaint narrative:
On XX/XX/year> I applied for a HELOC with Spring EQ LLC. I spoke with representative XXXX XXXX # XXXX. I gave my information to run my credit through XXXX only. When he called back, he told me my score was XXXX and needed to be a minimum of XXXX. I called XXXX on XX/XX/year>, and the representative confirmed that my credit report had a score of XXXX. Now I have a hard inquiry on my XXXX report for a loan I qualified for but was denied by XXXX XXXX XXXX # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
As I'm paying off my auto loan, I noticed many late payments that are reporting. I do not believe all of these late payments are accurate. It is very important for me to have a correct and accurate report, as it is also the law. My XXXX XXXX account is inaccurately showing late payments. Please investigate and provide proof with statements showing late payments. If these late payments can not be verified, please remove and update to positive status.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I attached the letter explaining the issue that occurred over 12 years ago with Citibank. Just because I withdrew $ XXXX cash out of my checking account at the time to pay for remodeling my house they closed my checking, savings and credit card at Citibank XXXX My payment history is excellent with XXXX XXXX XXXX XXXX cards, Master card, Home loan, XXXX XXXX XXXX XXXX, XXXX card, XXXX XXXX card, XXXX XXXX, XXXX credit card, etc. 
I have an excellent credit score in the high XXXX 's, payment history, always pay all my bills on time. Just because I withdrew cash out of my checking account long ago they should not continue to blackball me. I want to obtain a Macy 's credit card to get the extra discount on furniture and new mattresses but because Citibank underwrites the Macy 's credit card they continue to freeze me out. What happened 12 years ago should not affect approving me for a Macy 's credit card by Citibank. 
I would greatly appreciate Citibank looking into this matter and approving my credit card application. Thank you so much!

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I requested my Chex Systems consumer report because I keep being denied for bank cards at XXXX due to a past deliquent checking account in 2020. Chex states they report information from the past XXXX  years states No information found. I dont know how that is possible if I have multiple bank cards, credit cards, etc. I need them to provide me accurate/updated information. I called in and the agent also stated there is no info and no freeze. 

Consumer ID XXXX Agent name : XXXX, customer Phone call time XXXX EST

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: RI

Complaint narrative:
On XX/XX/XXXX I moved and used XXXX XXXX XXXX when they left I called the company right away they did not complete the service. They did not bring a larger truck they said it was being used even though I used them 3 prior times with the same Amount of furniture. In XXXX I use my chime card for a XXXX deposit to secure the date. So XX/XX/XXXX They left all my kitchen stuff and some bedroom And lied and said that I was not ready and they were just sitting around. On XX/XX/XXXX placed that purchase of XXXX on my bank XXXX XXXX debit card. I received the full {$1000.00} Because the services were not completed. After 9 times of calling chime they continue to say The case is closed I have documentation of everything thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently checked my credit and noticed some items that need to be removed as I filed chapter XXXXXX/XX/XXXXwhich has been XXXX. The accounts listed below are reporting inaccurately on my credit report and is in violation of Federal Law. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately:XX/XX/XXXX XXXX XXXXXX/XX/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