vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 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:
Chase is withholding funds in suspense from a newly opened account. They did this because they claim that they can not verify the source of a deposit. They are holding {$28000.00} that we now do not have access to. 

In XX/XX/2023 we opened a business checking account with Chase Bank for our company, XXXX XXXX XXXX XXXX XXXX XXXX This is a registered XXXX in the XXXX of CA, operating as a sole proprietorship under XXXX XXXX. The account was opened with {$100.00} in cash and shortly after opening the account, we deposited a check from our primary customer, XXXX XXXX XXXX in the amount of {$28000.00}. XXXX XXXX XXXX is a single member XXXX in good standing registered in the state of Wyoming. The owner of this company is XXXX XXXX XXXX, husband to XXXX XXXX. XXXX XXXX XXXX performs administrative and support services for XXXX XXXX. We expect to expand the customer base of XXXX but for now, the primary client is XXXX XXXX. 

Shortly after depositing the check from XXXX XXXX, Chase sent us a letter stating that they have suspended the funds and wont release them because they claim that their fraud department can not verify that XXXX XXXX XXXX is a valid entity. XXXX and XXXX met with the Chase branch manager and gave him XXXX XXXX XXXX XXXX XXXX, the letter from the IRS assigning an EIN as well as bank information from XXXX XXXX bank that the check was written from. XXXX XXXX XXXX is also easily found on the Wyoming Secretary of State website as a valid entity. Despite all of this proof, Chase still claims that they can not verify the validity of XXXX XXXX and will not release the funds. We have provided more than sufficient proof that XXXX XXXX XXXX is indeed a valid company in good standing. The branch manager claims that there is nothing that can be done. They will not even send the funds back to the account that made the check. They have taken our money with no possible resolution to release the funds. 

The branch manager admitted that we are not the only customer that this has happened to and that the system that Chase uses does not work, but there is nothing that he can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to address a critical issue regarding fraudulent accounts on my credit report, specifically related to the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX I recently discovered these accounts, which resulted from identity theft, making me a victim of fraud.

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 2024-02-01 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:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
XX/XX/2023 submitted on dispute to Exeter finance to remove the account from my credit. The last date of activity is reporting wrong on all three credit bureau. The account type is wrong on all three credit bureau. I have disputed it for 5 months now and their are not removing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-01 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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is Also Refusing to Re-Investigate According to15 U.S.code 1681a & b Theres no written consent.. Nor is this account reporting consistently across the major 3 Credit Reporting agencies XXXX XXXX XXXX XXXX XXXX is reporting Unknown as a description of my payment history and has changed history that doesnt show consistency.. Please Explain how history is unknown..for it is not a reporting Status

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: MO

Complaint narrative:
XXXX XXXX  and EXPERIAN is still lying about disputes ready to view, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-01 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: GA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$590.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2024-02-01 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: GA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$590.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: GA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report are NOT included on the consumer reports. Yet Transunion is reporting this information. The reporting of excluded information pursuant to 15USC 1681 A ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, Collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately.

Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned Metro 2 formatted industry requirements. With that in mind, please consider the suspect reported data fields alleged for this now contested reported items of injury.

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 2024-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to bring to your attention a matter of utmost urgency concerning my credit report. It has come to my notice that there has been a case of identity theft affecting my credit profile, and despite my efforts to rectify the situation, there seems to be a lack of action on your part. 

Upon reviewing my credit report, I identified unauthorized transactions and accounts that do not belong to me. I promptly reported these discrepancies through your XXXX, XXXX, and Transunion 's dispute resolution process on XXXX  providing all necessary supporting documentation. 

Regrettably, I have not witnessed any significant progress in resolving this matter, and it raises concerns about the efficiency of your identity theft resolution procedures. I would like to remind you that, under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to a fair and timely investigation into any reported discrepancies on their credit reports as well blocked and the removal of any fraudulent accounts due to identity theft. 

I believe there might be a violation of credit laws in the handling of my case. I urge you to investigate this matter with utmost priority and transparency, ensuring compliance with all relevant laws and regulations. Additionally, I would appreciate regular updates on the progress of the investigation and the steps being taken to rectify the inaccuracies in 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 non-monetary relief
Consumer complaint received 2024-02-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to bring to your attention a matter of utmost urgency concerning my credit report. It has come to my notice that there has been a case of identity theft affecting my credit profile, and despite my efforts to rectify the situation, there seems to be a lack of action on your part. 

Upon reviewing my credit report, I identified unauthorized transactions and accounts that do not belong to me. I promptly reported these discrepancies through your XXXX, Equifax, and XXXX 's dispute resolution process on XX/XX/, providing all necessary supporting documentation. 

Regrettably, I have not witnessed any significant progress in resolving this matter, and it raises concerns about the efficiency of your identity theft resolution procedures. I would like to remind you that, under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to a fair and timely investigation into any reported discrepancies on their credit reports as well blocked and the removal of any fraudulent accounts due to identity theft. 

I believe there might be a violation of credit laws in the handling of my case. I urge you to investigate this matter with utmost priority and transparency, ensuring compliance with all relevant laws and regulations. Additionally, I would appreciate regular updates on the progress of the investigation and the steps being taken to rectify the inaccuracies in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to address a critical issue regarding fraudulent accounts on my credit report, specifically related to the following accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX I recently discovered these accounts, which resulted from identity theft, making me a victim of fraud.

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 2024-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I DID NOT RECEIVE ANY GOODS OR SERVICES FROM THESE INQUIRES. I DID NOT REQUEST FOR MY CREDIT TO BE PULLED AND ACCESSED TO THE FOLLOWING COMPANIES. BLOCK AND REMOVE THEM.

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 2024-02-01 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo sent a copy of a report with the late payments reporting on these dates XXXX XXXX XXXX unlawfully. After I asked them to not report unlawful information based on source of Consumer law 15 U.S.Code 1666B Timing of payments & 15 USC 1681a ( d ) 1. This has burdened my credit report and hindered me from obtaining financing for a home and for my business.

These are the laws below 15 U.S.Code 1666B Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

15 USC 1681a ( d ) 1 ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

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 2024-02-01 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: IL

Complaint narrative:
Last year I discovered a false account with XXXX XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and an identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX XXXX  refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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