vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 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:
I deposited a check at Chase Bank on XX/XX/2023 from my insurance company XXXX XXXX, in the amount of {$20000.00}. The check was in the name of myself and my lender. The check was returned and a legal copy sent to me. I went into the branch and redeposited the check with the branch manager, the check was placed on hold until XX/XX/XXXX. Once the funds cleared my account was restricted. The bank returned to me {$1400.00} which was the monies I had over and above the deposit of {$20000.00}. I contacted Chase with my lender XXXXXXXX XXXX  and XXXX asked Chase to send another legal copy of the check to endorse-yet Chase refused and then closed the account. As of now the monies to repair my home are just sitting with Chase bank in a suspense account-and my home needs to be repaired. Would be grateful for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This alleged debt holder has many violations, as mentioned before. XXXX XXXX XXXX XXXX has removed it, the others still need to. See attached for my recent communication.

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 2023-03-16 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: PA

Complaint narrative:
Fraudulent accounts and inquiries Appearing on credit report. 



Inquiries 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 2023-03-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX is very rude and disrespectful they dont follow rules at all. They claim they never received my letters of proof from you guys or me.

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 2023-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On wed XX/XX/XXXX I received a call from an unknown number telling me a process server was calling and I needed to call a number when the person answered it was a lawyer from New Jersey saying it was a Bank of America account in 2006! The problem is its charged off and no longer on my credit report and under the statue of limitations I qualify its been over four years this account! I dont owe anything! When the lawyer I dont rem the name said that Bank of America was suing me and a process server was coming out! Today I got a phone call from XXXX would not tell me who they were just I had to call a number! They keep harassing me! If bank of America was suing me and they have a different attorney why did I not get anything in the mail! I looked at the law I dont owe this anymore its way over ten years! I have no acct number to go on or anything

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 2023-03-16 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS

Complaint narrative:
XXXX has listed the same account on my credit with different balances. 
Paid off - Balance {$7100.00} Balance updated XX/XX/XXXX Original balance -Nissan Motors Acceptance Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount {$7100.00} Original balance - Then they have the same account listed with " XXXX '' balance Balance details Paid off - Balance {$0.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan I have disputed this several times and nothing as been done to fix the items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/2022 XXXX XXXX  ( Finance ) XX/XX/202XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX  XXXX Finance ) XX/XX/2022 XXXX XXXX XXXX  ( Finance XXXX XX/XX/2022 XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/2022 XXXX XXXX XXXX ( Bank XXXX XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Auto ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Hotel and travel ) XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXXXXXX XXXX XXXX Finance )

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 2023-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express National Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. On XX/XX/XXXX opened an XXXX XXXX XXXX XXXX account, product name XXXX XXXX XXXX XXXX  with {$20000.00}. On XXXX my account balance was {$20000.00}, and on XXXX my account was hacked and someone by name XXXX XXXX created a new account and transferred {$20000.00} to her account. 
The Bank never notified me of suspicious activity and it was not until XXXX that I checked my Savings account to realize a balance of {$250.00} in my account and {$200.00} in a fraudalent account that has been closed after I made my initial call on the same day. 
I have called the Customer Care at American Express National Bank at XXXX on XX/XX/XXXX spoke with XXXX XXXX XXXX last name not allowed ), XX/XX/XXXX spoke with XXXX, XX/XX/XXXX with XXXX, XX/XX/XXXX spoke with XXXX, lastly today called & spoke with rep XXXX. On XX/XX/XXXX & all later calls I was told the investigation had started & three letters have been sent to the Bank where the transfer of my funds were sent to, I was told today the name XXXX XXXX  XXXX XXXX... XXXXno info other than to visit their website to complain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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  Account Number : XXXX Account Name : XXXX, XXXX. 
Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or the list of inquiries 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 or 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 2023-03-16 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: GA

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 Account Number : XXXX Account Name : XXXX, XXXX. 
Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or the list of inquiries 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 or 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 explanation
Consumer complaint received 2023-03-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been trying to get Equifax to fix this issue for months. They have a XXXX XXXX bankruptcy on my credit report stating that I filed on XX/XX/XXXX. This is incorrect. I did not file on XX/XX/XXXX. I filed bankruptcy XXXX XXXX XX/XX/XXXX. I moved to Florida XX/XX/XXXX. So how could I file for bankruptcy in Michigan XX/XX/XXXX?. Im getting very frustrated  that this issue hasnt been fixed yet. I am claiming the bankruptcy is mine. But the dates are wrong. I want this removed off my credit report immediately because they are failing to do a proper investigation to collect the right information. Because they are failing to fix the issue, it is effecting a lot of things I am trying to accomplish, such as renting an apartment. Because they see date filed XXXX XXXX on my credit report. When it isnt true. I do not know whats the problem with Equifax. But it seems to me that they are purposely keeping this incorrect information on my credit report to defame my name, and keep collecting money off of it. At this point, if this false information isnt removed off my credit report I will get a lawyer and take legal actions. Because all I asked for is to have the date fixed. Which Equifax has failed to do. Now I want it removed completely. Ive attached a lease contract with the state and address I lived at. And it also shows the date I moved in. This shows you proof that I was not living in Michigan XXXX. So its no way I couldve filed for bankruptcy in Michigan on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX/Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX INQUIRIESXXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX I have disputed these accounts multip

le in an attempt to get them investigated or deleted . They have violated my rights numerous times. A

ccording to 15 U.S.C.1681 section 602 A states that I have a right to privacy. According to 15 U.S.C 1681 section 604, A section 2 states a consumer reporting agency can not furnish an account without my written instructions. They have not provided proof that I have provided written instruction because I have not. 
They also have violated 15 U.S.C 1681 section 603 ( 3 ) ( E ) which states ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I have also submitted a supporting document stating that the bankruptcy court do not report to the reporting agencies.

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 2023-03-17 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: MO

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-03-17 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: MO

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WSFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
Wilmington savings fund Society and XXXX XXXX XXXX XXXX filed a lawsuit in XXXX XXXX court that seems to be dated back to XXXX of Last year. They stated that I owed this debt, but I had no clue who these people are, and they have stolen my identity and had access to my private information. I have not given them permissible purposes to use my information. I have never spoken to anyone or authorized or had an agreement with Wilmington Savings or XXXX XXXX XXXX. They hired a law firm that goes against the fair debt collections act and is a false representation. Attorneys are XXXX XXXX XXXX located in XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC

Complaint narrative:
XXXX XXXX I deposited my check in my account after I was told my account wasnt closed XX/XX/XXXX found out account was closed and under investigation and funds wont be released until XX/XX/XXXX. 
XX/XX/225 dollars was available to take out XX/XX/XXXX funds were available to take out was told over the phone I could get my funds.come and Im told my check will be mailed to me and my check hasnt been verified yet.

Company response to consumer: Closed with explanation