vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My checking account with chase Bank XXXX XXXX XXXX XXXX We received a check from a court order case on a mechanics lien. On XX/XX/23 I deposited the check into my checking account for {$130000.00} I was informed on XX/XX/23 that my account was restricted due to fraud. I was told I had to provide a phone number of the issuer. I did provide a phone number but I was told it did not match what they had in their database. So I got another number which I gave to them on XX/XX/23 and they said it was not a connected phone number. I asked them to just call the number in their database and I was told they do not have one. Then I was told to provide the Bank representative and phone number. I went into the XXXX XXXX XXXX with the information. Chase Bank lifted the restriction on my account but said I had to wait until XX/XX/23 for the {$130000.00} funds. I also confirmed that Chase Bank received the funds from the bank and the check cleared on XX/XX/23. 

On XX/XX/23 I verifed the funds were in my checking account. On XX/XX/23, I went to transfer money from my business account into my checking account via payroll checks. I was told that the account was closed effective XX/XX/23. I asked where my money is that was in the account and the said that a check was being mailed to me and I should receive it within 10 business days. On XX/XX/23 I received a check for the funds that were in my account prior to the {$130000.00} deposit, I called the bank to find out where the {$130000.00} is and they confirmed they have the money but they will not release the funds to me until I can provide them with a phone which I have already confirmed does not exist. They said they will hold the funds indefinitely until I provide the phone number. Chase has my money but refuses to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/2022 XX/XX/2022 XX/XX/2022 Recurring charges were coming to my card that it was impossible for me to make.big Deposits was made to my account that I was unaware of. And I spoke to them about it and they automatically closed my account without any warning and XXXX I call to inquire about what happen nobody could give me a explanation

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX sent letter to Equifax XXXX sent letter to XXXX Equifax, XXXX, and XXXX are all showing a Hard Inquiry from a Company XXXX XXXX, for XXXX XXXX XXXX. I don't know who this entity is, and have never done any business with them, nor do Ihave no accounts with them. I sent letters executing my XXXX rights under the FCRA to Equifax, and XXXX. I Have called XXXX, Equifax, and XXXX multiple times asking them to please remove this from my credit report. Every time I ask them kindly on the phone to remove the inquiry they tell me its not my right to do this, and that I the consumer need to call the company reporting this and fix the problem. I do not know who this company/persons are. It is the XXXX XXXX XXXX who must report accurate information. Now I have an inquiry on my report that looks like i was shopping for houses when i was never in a position to do this. I don't know how this was ever disputed found as fact correct. I feel like the Bureau 's are taking advantage of my XXXX rights when they are not protecting me, the consumer. They just take XXXX XXXX 's word. I guarantee they have not sent any contract or paperwork with my signature proving to the Agencies that this is factual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, 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:
Do to my understanding it was false information on my credit report that XXXX TransUnion an XXXX credit report agency place on my credit report with proving IDENTIFICATION card an PROFF of incorrect information due to identity theft incorrect address I'm correct name an my data was expose due identity theft requested everything be removed from my credit report due identity theft

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Do to my understanding it was false information on my credit report that Equifax XXXX an XXXX credit report agency place on my credit report with proving IDENTIFICATION card an PROFF of incorrect information due to identity theft incorrect address I'm correct name an my data was expose due identity theft requested everything be removed from my credit report due identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. 

Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. 

Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file 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 explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I was fraudulently charged XXXX dollars on my Verizon Visa Credit card. Synchrony Bank took that charge off and sent me a new card. After I received the new card, the XXXX  charge was reinstated. I have called Customer Service XXXX  times at Synchrony Bank and they will not give me the name of the organization that fraudulently charged me or their address/phone number. I'm simply told my complaint will be forwarded. I have also been blocked from accesing my Verizon Visa Account online at : https : //www.synchrony.com/accounts/ 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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Due to a major data breach, and my spouse receiving four debit cards in the mail from various online banks, I tried to place a security freeze at Clarity Services , Inc. We each already had security freezes in place at the XXXX  major credit reporting bureaus and XXXX . It was not difficult to place the freezes at any of these agencies. The Clarity Services website allows for an online request but it always returns an error and demands that I mail or fax them a copy of my social security card and driver 's license. I also tried to place the freeze by phone and had the same result. Given that none of my information has changed in at least XXXX  years, and that I had no problem at the other agencies, I am very suspicious and angry about having to do something so risky with my sensitive documents. This is triply true after I XXXX  Clarity Services and see that they have been fined in the past for doing very shady things with people 's data. I imagine that if I fax or mail them all my documents, they will take that information and sell it on the dark web. This is obviously a shady company and they have made me a XXXX by refusing to put a credit freeze on my account because either their system is terrible or they want my documents for nefarious purposes. We're trapped!

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XX/XX/XXXX i put in for a 2 month deferral ( for XXXX and XXXX ) with Hyundai Motor finance. They approved it and my next statement showed that i owed my regular monthly payment on {$470.00} on XX/XX/XXXX. At the beginning of XXXX i put in a credit dispute because Hyundai was reporting that my payments were behind. This is untrue because i had got the deferral and my account was current. I called Hyundai and they stated there is a glitch in the system and that they would fix it. I received my credit report dispute facts back and it stated that my account would be updated to reflect the correct status ( that i am current ). The other day on XX/XX/XXXX i received a call from Hyundai stating that i owe XXXX something to them. They said it was for " Late fees and return payment charges ''. IF this is true why did that not reflect on my account when i had the deferment so that i could pay them? Now they just threw the fees in there, never contacted me to advise me and they are saying i am late on my payments again. If i would have known about the fees i would have paid them when i didn't have a car payment for 2 months. I feel this is a wrong way to do business

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX has been on my credit report for years for a debt from XXXX XXXX XXXX, however, I notice that they keep re-aging the open date of the collection accounts causing this to never disappear from my credit report. I called the offices of XXXX XXXX XXXX and they immediately denied any wrongdoing after I advised them that re-aging collection accounts is a highly illegal practice. They agreed to send me any documentation in regard to the liability of the account as well as relevant collection information. The rep advised me that the service date was back in XXXX, but none of the collection account information is listed that far back, it's all new information from a few months ago and this 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 explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX  XXXX ), has violated my rights.

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

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. 


Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file 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 explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. 


Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NV

Complaint narrative:
These con people are conning me with there customer service there are in violation of 15 usc 1681i ( 5 ) The date on there contract, which is for XX/XX/31 which are is in the future, which means void. 

They sold illegal debt to jefferson capital system llc, Jefferson capital system stated they they been ask for trade line be removed and deleted last year. The address they have of me is not mines never have live there. My credit report can prove it on XXXX i ask can they please send me original contract with my signature to verify debt instead they are making up paperwork to send me to validate debt also i am a victim of XXXX XXXX breach They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!! 15 U.S. Code 1611- Criminal liability for willful and knowing violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Received letter dated XX/XX/2023 From Wells Fargo NA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Subject : Decision about your credit card application # XXXX. Person was applying for XXXX XXXX XXXX credit account. Application was denied : unable to authenticate identity of applicant. After reviewing my credit report hard inquiry was done on XX/XX/2023. This was not me and I am concerned that my identity was used.

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. 


Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. 


Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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