vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2023 US Bank force closed my account due to a check, that I did not deposit, being returned to them. I had a balance of {$1000.00} in my account the day they closed it. There is still a positive balance of {$1000.00} in said account but the bank will not release my funds to me unless I verify a deposit I made for {$1800.00}. I no.longer have access to my online banking to view any deposits made into my account and the bank refuses to give me any copies.

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 2023-10-21 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-10-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is not answering the questions I am asking. 
Why would they be a contributor to this bad business practice. Since Wells Fargo is in partnership ship with XXXX XXXX XXXX andXX/XX/XXXX That is on ( attachment XXXX ) from the so-called loan application. under Federal Notices If appliable to transaction, to help the government fight terrorism and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? Furthermore, under Federal Notices it says, What this means for you is when is that you will be ask your name address, birth date to identify you, You may also be asked your driver 's license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion?

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 2023-10-21 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:
This account from XXXX XXXX XXXXXXXX XXXX is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which XXXX, EQUIFAX, AND XXXX IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: GA

Complaint narrative:
This account from XXXX XXXX XXXXXXXX XXXX is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which XXXX, XXXX, AND EXPERIAN IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN!

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Equifax Credit Report Date Generated XX/XX/XXXX Report Confirmation XXXX I am writing to formally complain about several inaccuracies in the information on my credit report pertaining to an alleged account with XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX ). After a thorough review of the account details, I have identified serious discrepancies and errors in the reporting of the tradeline for ( Account Number : XXXX XXXXXXXX ), which are adversely affecting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that this erroneous tradeline be deleted from my credit files. 

The discrepancies and errors are as follows : 1. Incorrect Reporting of Account Status : The credit report indicates that an alleged account with XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX ) continued with a balance in XX/XX/XXXX and XX/XX/XXXX, and continued to report incorrect information for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, despite the notation in the Comments XXXX section that the account was " Charged off account '' in XX/XX/XXXX. 

. Your company is reporting that the account was charged off After it was charged off. This ongoing inconsistency in account status is in direct violation of the FCRA and has the potential to significantly harm my creditworthiness. 

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I demand that the tradeline for XXXX XXXX XXXX XXXX account ( Account Number : XXXX XXXX ) be deleted from my credit report due to this inaccurate reporting. 

Please be aware that inaccuracies in credit reporting can lead to legal action by the consumer. The FCRA, specifically 15 U.S.C. 1681n, provides consumers with the right to pursue legal remedies for willful or negligent noncompliance by credit reporting agencies. 

I have attached a copy of my Drivers License and a copy of my electric bill to verify my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: NY

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. Or 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 a 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 2023-10-21 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: HI

Complaint narrative:
I spoke with Experian verified my identity through many??? S and my PIN number was changed by an insider My credit report included a fragment report attached to my file by Experian it is on no other transcripts except Experian and it stated to not extend credit to me unless you call the number that was ported Illegally from me in XXXX I have filed numerous reports via online etc saying this is not my true phone number and I never made this personal statement I dont even speak that way Today XX/XX/XXXX Experian finally after three years of complaining amended my personal statement Now it saysI am working w creditors like I am a poor risk client which is simply untrue I just was approved today for XXXX XXXX XX/XX/XXXX I have paid all my debt and every false fraud charge and was conned out of XXXX dollars XXXX and my credit score still remains at XXXX. 

The personal statement attached to my file which will remain on it for a year or longer depending how long Experian feel on hurting me more and longer summary I am working with creditors and trying to bring up my score which is not true I pay my credit cards twice a month and have had one late payment in the last XXXX XXXX years Plz see attached personal statement added by Experian today 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 explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one 360 closed my savings account with the balance of {$45000.00} on XXXX XXXX, and now it is XXXX XXXX. During these days, I have called the bank multiple times to inquire when my externally linked account would receive the fund, the representative said within one day or two, but I never received my fund. Their way of dealing business is like fraud, and the customer service didn't offer help at all, they were just being perfunctory and shamelessly hold my fund. They chose to close my account, no problem, but capital one 360 doesn't have any valid reasons to withhold my money for such a long time, I am losing interest everyday! In contrast, I have a checking account with them, in which I manually transferred {$200.00}, the fund arrived my externally linked account just in one day. I really regret being their loyal customer for 12 years! What a shame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I was harmed by XXXX XXXX illegal debt collection practices, violating the law through intimidation, deception, and illegal debt collection tactics and lawsuits, and misrepresented that the company Barclay Credit card company had legally enforceable claims to debts outside of the applicable statutes of limitations.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have tried to obtain my free annual credit report from the company. After completing all the steps that were required in order to obtain the report. it stated they were unable to provide me with one and that I would need to call each bureau. I have called each credit reporting bureau and requested the credit report. Each bureau stated they would be mailing out the credit report. After waiting over 30 days I have yet to receive the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: ARVEST BANK GROUP, INC.
State: SC

Complaint narrative:
Blacklist defamated discriminated forgery restricted ilegally retaliated persecuted ilegally They asked for a {$50000.00} US dollards down payment and I gave it to them... also my monthly payments were not calculated properly ... .also, price did not match others, price of townhomes ... ..it is still mine... .forgery, but it did increase in value... damages after that ... will not disclose damages unless asked 2008 ... until today ... Fraud, a short sale?, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXX I was XX/XX/XXXXon XX/XX/XXXX. I had a deposit to my chime account of XXXX I was released fromXX/XX/XXXXXX/XX/XXXX thinking I still had money in the account I didnt have acsess to the email connected to the account so I called they tell me my account had been closed for suspicious activity that my money was not in the account I explained that I had been XX/XX/XXXX for the past two years so they tell me the mine was taken out of the account in XXXX of XXXX I again explain I was in XX/XX/XXXX I couldnt have withdrawn any money and that no one had permission to acsess my account they give me the run around for 3 months email after email talk supervisor after supervisor finally one supervisor tell me that chime hadctaken the money for a credit builder card which they offer I had XXXX of credit with them and had not used it so where was my money she tells me that chime took it and closed the account that she was sorry nothing I could do basically and would never let me acsess the account so they stole my money which was deposited from the Florida XXXX I would like my money they are common theives please help me or give some advice of what should do thanks I dont have the card number my wallet was thrown away when I went to prison and chime would never let me acsess the account they closed it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
All cash withdrawals had to have my driver 's license and signatures. Two withdrawals had neither my license or signature. I'd gotten no where in disputing this. Ea transaction was for {$5000.00} ea and looks as if a teller took the money out without my authorization.

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 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear sir, Yesterday, XX/XX/XXXX, I received an email to my XXXX address regarding my Chase Bank credit card. I have serious issue regarding your company credit card, that I was closed my original credit card ending XXXX on XX/XX/XXXX due to the illegal transactions as stated below, which I reported to reportfraud.ftc.gov : Today, XX/XX/XXXX, I checked my credit card account of Chase Bank online and found out 3 unrecognized transactions on XX/XX/XXXX and XXXX. On XXXX, there were two transactions : the one by XXXX, which amount was {$89.00}, and another one was XXXX, amount was {$10.00}. The last one was by XXXX, {$100.00}, which was pending on XX/XX/XXXX. I have checked my order history of XXXX XXXX, and checked I did not purchase such amounts. Regarding XXXX, I recently paid only cash ; therefore, it was impossible. After founding online at Chase website, I filed them, closed my credit card, and called the customer service. All available records, including Chase and XXXX, were printed out. 

Of course, I expect all illegal transactions stated above will be invalid and refund all money {$200.00}, totaled from {$100.00}, {$89.00}, and {$10.00}. 

After checking my voicemails, I had decided to call back Chase to notify that I had received the call. Later, I had received a call from Chase customer service, either XXXX or XXXX to answer my call on XXXX. Curiously, the person, who had a private company extension number, called me with this probably regular customer service phone number, even though I called the chase bank number that was not customer service number. This customer service call was either at XXXX or XXXX. 
Later, XX/XX/XXXX, due to the notice from Chase bank to my email, I checked what stated on the website led by its link. And, today, after revisit of all procedure yesterday, I realized that the message on this website stated the issued card number as ending XXXX ; even though the closed card number should be ending XXXX. I enclose both email from the bank and this statement here. Also, I enclose the page of Statements and Documents including the credit card number ending XXXX, which link open or save connected with monthly statement. Because I wanted to check the illegal transactions made by credit card in concern, I made sure the existence of them. I realized one transaction, which I purchased by myself on XX/XX/XXXX was on process to delete/clear from the record ; even though other illegal transactions were stayed on the record. Also, even though I made claim on all this illegal usage of XXXX and XXXX transactions, they needed to be claimed again. Still, after several attempts to claim, they stayed as not claimed. I enclose the printout with orange highlight, and a record of XXXX transaction as a reference. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
They continually put a fraud hold on my account even though Im standing at the register with my card in my hand verifying 20 different ways on the phone with them they still hold my money XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that handle customer service do this intentionally as an intimidation tactic they are XXXX  and citi is just as XXXX of a company. Im out of town with no access to my money bc of this XXXX of a so called bank. Theyre a bunch of 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 2023-10-21 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: CA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. Or 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 a 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