vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Ive been a customer of Chase Bank for 22 years. My Mortgage, checking, Credit Cards were all with Chase Bank. I also had a XXXX nonprofit account with XXXX XXXX  which I started in XXXX to help XXXX patients and hardships in my community. I decided since most of my transactions were with Chase Bank I would move my XXXX there. On Monday XX/XX/XXXX I had a meeting with a XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX, NJ, XXXX. After writing a check of {$26000.00} XXXX XXXX told me there would be a hold on my money till it cleared, ( never mentioned a 9 day period ) I was aware of that process because Ive done this before and normally had access to my funds in 3 days. I kept looking at my account and did not see my funds, I called XXXX XXXX and she said it would be held for 9 days. I told her I was going to close the account and she saidyou still can not take your money till it clears. I told XXXX XXXX I called XXXX XXXX  and was told the money had cleared. I feel my money is being held hostage by Chase to use as they wish for 9 days. XXXX XXXX never discussed the time frame of clearing, if she told me 9 days, I wouldnt have opened the account. This money is crucial to XXXX patients going through treatment for free services with Wigs, Turbans, mastectomy Bras, Pre-Cooked meals while in treatment. I think Chase should be held accountable for this since there is no reason my cash is on hold after being cleared by XXXX XXXX. 

Thank you, XXXX XXXX/ Founder

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the 15-day grace period : My payment for XX/XX/XXXX was made on time, which falls within XXXX XXXX standard 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Upon reviewing my account, I identified that my payment, which was made on time, was incorrectly marked as late due to an internal clerical error by XXXX. This error led to an inaccurate 30-day late payment report.

Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time. This documentation demonstrates that no delinquency occurred.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-05 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2024-10-05 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : # XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2024-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Abrahamsen Gindin LLC
State: NY

Complaint narrative:
Per the agreement.. the balance information is to reflect the actual balance. I also called months ago because on the legal agreement the control number is not even correct which is well obvious This is for the debt from the school I won a federal borrower defense against XXXX XXXX .. this is debt that Forster and garbus claims I owe national collegiate student loan on co-signed loans from XXXX XXXX who was on social security at the time and there lawyer took me to court after my XXXX treatment. 
This information is to serve as a reminder as they serve so many students by taking them to queens county court that they may forget. 

I called in XXXX and they said it will update and they gave me the correct control numbers They can at least update there payment website to reflect accurate information on the debt they state I owe the website amounts are totally incorrect and have been that way for months update the website PLEAse as I have made my payment today and notice again its not right and took a photo also how is XXXX supposed to keep an account of the payments if its not even on the website

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit. Also there is a address listed on my credit report that doesn't belong to me as well as employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN- XXXX Phone - XXXX XXXX XXXXXX/XX/XXXX Email - XXXX Inquiries that need to be removed 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 explanation
Consumer complaint received 2024-10-05 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:
In accordance with the Fair Credit Reporting act Convergent Account : Bankruptcy XXXX XXXX, as per Report ID : XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account : XXXX XXXX XXXX, as per Report ID : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On Wednesday, XX/XX/year>, I received a call from Wells Fargo Bank ( XXXX ). The representative ( XXXX XXXX ) stated that my account may have suspicious activity. He read the list of charges : XXXX XXXX {$260.00}, XXXX XXXX {$980.00}, and two wire transfers to XXXX XXXX of XXXX, Kentucky, for the amounts of {$7700.00} and {$6400.00}. I panicked and told him that I did not authorize the charges. He explained he would transfer me to the Fraud Department to get the charges reversed immediately. He transferred me to the Fraud Department, where I spoke to XXXX XXXX. He explained he would walk me through reversing the wire transfers. After we did the reversals, he provided me the reversal account numbers ( XXXX for {$7700.00} - XXXX ) and ( XXXX for {$6500.00} - XXXX ). He also provided me with Police Report number XXXX. XXXX stated he would put me on hold for 2-3 minutes to complete the reversals. While on hold, I called the Wells Fargo bank from my work phone to verify they had received the provided reference numbers and that wire transfers were being reversed/canceled. While on the phone with a Wells Fargo representative, I gave her the reference numbers, and she informed me that I was called from a ghost number and was being scammed. She told me she would put in a claim and recall the wire transfers at that time. She gave me claim numbers to follow up with and said it would take 5-7 days for their fraud department to investigate and research the online wire transfers. She also closed my savings account and opened a new savings account.

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 2024-10-05 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: Early Warning Services, LLC
State: GA

Complaint narrative:
I have been disputing these three companies since repeatedly, sending in dispute letters. XXXX  XXXX XXXXEarly Warning Services . Each time I dispute they send me back a letter stating that the account has been verified. XXXX XXXX has recently sent me a printout stating that it shows my signature but that doesn't look anything like my signature, I have asked each company to send me Proof and they have failed to do so, I have filed Two FTC reports against the account Which XXXX  XXXX XXXX alleges that is mines. This account is a fraudulent account that I did not open. 
I have mailed in the FTC report as of XX/XX/year> and I have also previously attached the FTC report to a report made through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been disputing these three companies since repeatedly, sending in dispute letters. Bank of AmericaXXXX XXXX XXXX XXXX Each time I dispute they send me back a letter stating that the account has been verified. XXXX XXXX has recently sent me a printout stating that it shows my signature but that doesn't look anything like my signature, I have asked each company to send me Proof and they have failed to do so, I have filed Two FTC reports against the account Which Bank of America alleges that is mines. This account is a fraudulent account that I did not open. 
I have mailed in the FTC report as of XX/XX/year> and I have also previously attached the FTC report to a report made through the CFPB.

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 2024-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I was a victim of identity theft and reported to local law enforcement and an FTC report. I had a theft occur in XX/XX/year> which resulted in my social security and personal information getting compromised and this caused me to have identity theft committed against me. The following identity thefts need to be removed from my credit immediately as I am a XXXX veteran. 

1. The following accounts with New Rez/Shellpoint that are the result of identity theft or account numbers XXXX, account number XXXX, and account number XXXX. 

XXXX. XXXX account number XXXX XXXX. XXXX XXXX XXXX account number XXXX XXXX. Account with 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 explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/year>, I received a refusal of my right to credit with Barclays Bank Delaware, which is a violation of THE FEDERAL EQUAL CREDIT OPPERTUNITY ACT under the following provisions : XXXX being notified TWICE through certified mail that I am over the age of XXXX ( age of majority ) and have the rights to enter into a binding contract. 

XXXX. I have in good faith expressed to Barclays Bank Delaware that in good faith I have exercised my rights to credit under the Consumer Protection Credit Act. 

Also, Barclays Bank Delaware has violated the following provisions against me under the Fair Credit Reporting Act : 1. 615 ( f ) ( 1 ) - NO PERSON shall sell, TRANSFER FOR CONSIDERATION, or place for collection a debt if such person has been notified under 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) that the debt has resulted in identity theft.

They have also are in violation of : U.S.C. 1006.18 FALSE, DECEPTIVE, OR MISSLEADING REPRESENTATIONS OR MEANS section ( d ) A debt collector must not use false representation or deceptive means to collect or attempt to collect any debt OR OBTAIN INFORMATION CONCERNING A CONSUMER, in which Barclays Bank Delaware used XXXX XXXX CONSUMER REPORTING AGENCY in which they stated in the denial letter the following : WE ALSO OBTAINED YOUR CREDIT SCORE FROM XXXX XXXX AND USED IT IN MAKING OUR CREDIT DECISION. 

By doing this, they are basing their decision of issuing the due credits to the principal strictly on a third party which my information was transferred for consideration of credit without my consent which is falls under NEGLIGANCE AND IDENTITY THEFT under the CONSUMER PROTECTION VIOLATIONS. 

After notifying Barclays of my principal rights to credit, I received a letter from XXXX with the office of the Presidents of Barclays Bank reinstating their denial of my principal credits and stating how they fully comply with the Equal Credit Opportunity Act and all other consumer protection laws. If this is the case, principal credits need to issued for the reasoning of the violations that they have committed.

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 2024-10-05 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: TX

Complaint narrative:
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove 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