vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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
Consumer complaint received 2024-06-11 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: Kriya Capital, LLC
State: HI

Complaint narrative:
There's something on my credit report I don't know where it come from me recently was added but I it wasn't for me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
Good afternoon, I had a credit card account with XXXX XXXX XXXX XXXX credit card and have been a loyal customer since 2022. My balance is due on the XXXX of every month and I wanted to make an *early* payment on XX/XX/XXXX of {$2600.00}. This amount was not due, I was making an early payment. 
I am a graduate student and was in the process of transferring funds into my checking account that did not have the full {$2600.00} in, so my payment was returned to Capital One. I retried this payment, again, still early, on XX/XX/XXXX which did in fact go through. Since there was an " insufficient funds '' returned payment to capital one, they closed my account without warning. Along with the account closure they took over XXXX miles in bonuses that I had on my account, worth over {$1000.00}. Along with that, I have already paid the {$390.00} credit card fee for the year, which is also not being prorated. 
When I called and asked why my account was shut down I was met with answers regarding my account from a year ago, but not for this instance where I tried to pay my credit card bill early. I had also asked why I was not given any notice or warning of account closure if this were to happen, and they were unable to provide me with reasoning. Rationally, it would seem to be in a company 's best interest to provide you with some sort of email of possible termination -- so this seems like ill intent. 
As a grad-student pursuing my XXXX outside of the continental XXXX I rely on those credit card mile points to see my family during breaks. Now without notice I do not have access anymore to over {$1000.00} for flights, as well as already having paid almost {$400.00} in a credit card fee. 
Thank you for taking the time to read this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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:
I recently reviewed my credit report and noticed fraudulent accounts. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Also, according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am existing customer of wells fargo bank. I recieved promotional offer from Wells Fargo to open savings account and keep {$25000.00} balance for 90 days. There will be reward of {$520.00} for keeping money for 90 days. 

I opened account with promotional code, that was provided in the email, then called customer service to confirm that account will be rewarded {$520.00} promotional bonus. I deposited {$25000.00} on XXXX. 

On XXXX, I called for promotional bonus, customer service was playing XXXX and said that there is no record. So, now bank is renigging on their advertisement / promise. I was earning 4.35 to 5.35 % interest on my {$25000.00}. Wells fargo bank has paid {$0.00} ( XXXX cents ) in last 3 months. That is cheating, bait and swich etc. 

CFPB, need to do research of Wells Fargo bank 's new account opening data to find out how many conumers have been cheated out promotional bonuses. Not many people spend hours on the phone filing complaints and persuing. CFPB, need to punish these institutions for cheating. 

Thank You P 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 monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Credit Reporting companies are reporting a Bankruptcy on my credit report.They have notated this information was provided by USBK COURT EASTERN MICHIGAN.

Which is false. The County Recorder of Deeds and the Bankruptcy Courts have
both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed Equifax XXXX and XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2024 I deposited a check in the amount of {$1600.00} made out to my Landlord. My Landlord does not have a bank account so we went to my local Chase Branch. We were both there to endorse the check and provide identification. It was explained to me that the check or the funds may be on hold for up to 10 days. My Landlord and I were in agreement that would be fine. Well, XX/XX/2024 the bank made the funds available and they were posted to my account. When, I went to withdraw the funds from my account it would not allow me to. I went inside to speak with someone at the branch. They explained to me that a restriction was placed on my account but she reassured me that it wasnt a problem. After trying to remove the restriction she had to call another department. At that time I was told that until my landlord is verified through the phone database that is used by Chase, they could not remove the restriction and allow me to withdraw any funds. My Landlord physically came into the bank and signed the check. They are going to verify him again. I informed them that my Landlord uses Prepaid phone services so its almost impossible to find him in the database. I attempted to provide them with his number but they refused. I requested them to return the check to my Landlord but they stated they can not do that. They would continue to try and verify my Landlord by phone but they would keep the check. Chase closed my account. Why? I dont know. So, the date is currently XX/XX/2024 and no resolution. Ive been to the branch dozens of times and spoke with a personal banker. He escalated the matter twice. I returned to the branch to check status and now he is on leave for 30 days for maternity leave.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: MA

Complaint narrative:
Dear [ Consumer Finance Department, I hope this message finds you well. 

I am writing to seek your assistance regarding a serious issue with my Chase Business Checking Account. After receiving a payment, my account was unexpectedly closed, and I have not received the funds associated with that payment for over 90 days. 

Here are the details of my account and the payment in question : Account Holder Name : XXXX XXXX Business Name : XXXX XXXX Account number XXXX Routing number XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MA, XXXX Chase Bank Checking Business Date of Account Closure : XXXX Amount of Payment : XXXX $ Despite my efforts to resolve this issue directly with Chase, the funds have not been released, and I am facing significant financial distress as a result. I would greatly appreciate your urgent intervention to expedite the resolution of this matter and ensure that I receive the funds owed to me. 

If any additional information is required from my side, please let me know, and I will provide it promptly. 

Thank you for your prompt attention to this urgent matter. I look forward to your swift response and resolution. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both XXXX5 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 explanation
Consumer complaint received 2024-06-11 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: Self Financial Inc.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my SBNASELFLNDR - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have been calling Ally Bank, at number XXXX, after I enter my Account #, Ally Bank message is we do not have a agent available to take your call, I get this responds every time I contact them by phone ... I would like for them to send be the title so that I can register the vehicle in my name, and XXXX XXXX  as the lienholder..my current registration expires in a month so I need the title before it expires... Also XXXX XXXX  keeps sending me emails asking ifI have registered the vehicle..

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 2024-06-11 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: Early Warning Services, LLC
State: NY

Complaint narrative:
Name : XXXX XXXX XXXX Consumer ID : XXXX Date of XXXX XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Waning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : TXXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my XXXX XXXX XXXX report immediately! I've attached a copy of the report to this request. 
Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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:
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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: CA

Complaint narrative:
My account was closed around XXXX with a {$93000.00} cashier check deposit. Since the account has been closed Chase won't release my funds. Chase can verify the check through XXXX  XXXX XXXX but haven't done so. I just want my remaining balance in the closed account to be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: SC

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Account Number - XXXX XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: NJ

Complaint narrative:
On XX/XX/XXXX, I received an email from Experian stating that I had made updates to my account including changes to my address, email address, username, etc. I did not make these changes. A scammer has been trying to break into many of my accounts and was successful at this one and no matter what I've tried be it calling various numbers from Experian, I can not even get a human on the phone. Their automated phone system is awful and I end up in circles. There does not appear to be any kind of way to submit a trouble ticket with them online and when I tried to recreate my account with my correct information it gave me a system error. This is unacceptable that a major credit bureau is allowing scammers to break into people 's Experian accounts and change information let alone view all of the existing information. They don't even have 2 factor authentication as an option to prevent these problems from happening in the first place! Please assist as I am getting nowhere with them directly.

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