vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 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:
I was running an ecommerce business in XXXX  & opened a Chase bank to process my transactions through. 

I ended up processing roughly XXXX  XXXX through my checking account. I was able to transfer some of these funds ( roughly XXXX  XXXX ) but Chase froze my ability to be able to transfer my money out of my checking account in early 2021. 

At the time I didn't mind because I was at least still able to use the funds in the account. Chase then completely froze the money and would not allow me to use the funds for any purpose. 

After 7 months of fighting back and forth with customer service and going in and out of several Chase branches trying to figure out what was going on, I received the same response every week when I called in which was " I can't inform you on what's going on, call back in another week '' I then started researching the chase terms of service under which it says that Chase can only hold funds for 1 year and is then REQUIRED to disburse the funds back to the owner. So I waited the year, and still nothing happened. I received the same response from the Chase branch representatives and customer service.

Although this time, it turns out that Chase DELETED my account. So now my entire checking account and all my money are gone.

It has now been over 2 years, and I still don't have my money. I have now came to the conclusion that Chase will not be disbursing my funds and have pretty much stolen them from me. I am now going to be heavily pursuing this matter to retrieve my money that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
wrong date of birth

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Back on XX/XX/XXXX  I sent in my ftc letter to have them remove united auto credit from your credit report and they have not removed it from all three of my credit reports. I sent it to trans union, XXXX and XXXX. It is still showing on my credit report as of XX/XX/.

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 2023-10-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc.
State: WI

Complaint narrative:
Happy Money took a second payment out of my bank account for the month of XXXX without my permission. I have been trying to get my money back for several days now and keep getting the run around and told different timelines on when I will receive my refund. My normal payment was scheduled for XX/XX/XXXX, I noticed on XX/XX/XXXX that I had another payment pending from my bank account on XX/XX/XXXX. I then logged into their app to notice they were attempting to take 4 payments for that day. I immediately called them and was told they were having some sort of technical issue and they would send in a rush refund for me. As of today, XXXX, I still do not have my money back and can not get a clear answer on when I will receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion has not received written instruction to furnish a consumer report on my behalf in doing so Transunion is actively committing identity theft

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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.

XXXX I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND XXXX XXXX TRANSUION, OR XXXX XXXX NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND XXXX XXXX XXXX, OR EQUIFAX XXXX NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-04 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: OH

Complaint narrative:
I'm a victim of fraud and or Identity theft. I did not authorize these 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 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 non-monetary relief
Consumer complaint received 2023-10-04 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:
Equifax has not received written instruction to furnish a consumer report on my behalf in doing so Equifax is actively committing identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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:
Back on XX/XX/XXXX  I sent in my ftc letter to have them remove united auto credit from your credit report and they have not removed it from all three of my credit reports. I sent it to XXXX XXXX, Equifax and XXXX. It is still showing on my credit report as of XX/XX/.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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:
Back on XX/XX/XXXX  I sent in my ftc letter to have them remove XXXX XXXX XXXXt from your credit report and they have not removed it from all three of my credit reports. I sent it to XXXX XXXX, XXXX and Experian. It is still showing on my credit report as of XX/XX/.

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 2023-10-04 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-10-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Subject : Urgent : Assistance Needed Regarding Frozen Bank Funds To Whom it may concern, I hope this email finds you well. My name is XXXX XXXX, and I am writing to seek your professional assistance regarding a pressing matter related to my bank account. 

Approximately 3 years, my bank, Capital One, froze a substantial sum of {$39000.00} in my account. Despite my best efforts to resolve this issue directly with the bank, I have encountered significant challenges and obstacles in regaining access to my funds. 

These funds were from my SBA loan which I Applied I got approved for {$52000.00} some change I got the funds to my private account I used some of the funds out of $ XXXX my whole three accounts were last on amount of {$39000.00} when the bank freeze my accounts then send me letters stating that the accounts were closed on customer request which I never did that they were not giving me the right answers they were like they had send money back to SBA upon asking SBA they said they never got money from the bank. 

I am reaching out to your esteemed law office because of your reputation and expertise in handling complex financial and banking matters. I believe that legal intervention may be necessary to help me navigate the intricacies of this situation and work towards a resolution. 

I kindly request your immediate attention and guidance in this matter. I am prepared to provide all relevant documentation, account statements, and any other necessary information to assist you in understanding the details of the freeze. 

I understand the importance of prompt action in such cases, and I would appreciate the opportunity to discuss this matter further and explore the options available to me. Please let me know a convenient time for a consultation, whether in person or via phone or video conference. 

I look forward to the possibility of working with you to resolve this issue and regain access to my frozen funds. Your expertise and support would be invaluable in helping me navigate this challenging situation. 

Thank you for your attention to this matter, and I eagerly await your response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: UMB FINANCIAL CORPORATION
State: CA

Complaint narrative:
UMB Bank in XXXX reported I applied for a loan and reported I worked for a employer that I dont even know. That employer contacted me threatening action because a investigation company started harassing him and was contacting police/threatens a lawsuit. 
Im on workers comp and found that my disgruntled employer used my employment information to put this on my credit report to cause trouble with workers comp. I called this UMB and they removed the false employer immediately but left the inquiry on my reports. I also requested a report of where and what this application was for and was refused any cooperation. It was made through UMB at their XXXX XXXXXXXX XXXX XXXX. ( Close to my employer ). I know it was made on XX/XX/2023. This bank will not cooperate with me. I have a right to a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Please reference complaint # XXXX. This is an ongoing problem with this company but I could not see a place on the previous complaint to edit. I once again made a payment of {$100.00} and I just received the phone call saying that it did not go through because of insufficient funds and they tacked {$30.00} fee on my account. I just went through this whole process with them showing them that their request for payment is not ever even reaching my bank. There has been nothing presented against my account from them. I don't know what payment information they are using or what they are doing but I paid my payments in good faith and I want this XXXX to stop! I want that bad charge taken off of my record and I want the {$30.00} take it off of my account balance. Once again I have attached copies of my bank statement to show that they have never presented anything against my 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 monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
My information was given to a third party who have not contacted me in no way I called to have debit verified and was told you need to pay we will send this to the credit bureau!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
wrong date of birth

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 2023-10-04 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:
It has been brought to my attention that the laws and guidelines under Section 605 A 15 U.S. Code 1681 C-1, and Section 605 B 15 U.S. Code 16810 C-2 have not been followed. On several occasions I have requested proof that there was a commitment from myself to XXXX XXXX XXXX. Transunion has not complied ; transunion simply sends credit reports saying that the account was verified. Both XXXX and XXXX, have since deleted the account. To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to original creditor to ensure a proper investigation of my dispute. Transunion has not. Please follow the protocol, or delete creditor from my credit report immediately. As well as these fraudulent inquiries, that are disclosed on my Federal Trade Commission identity theft 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 2023-10-04 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XXXX XXXX XXXX is calling, emailing and sending me letters in the mail stating that I owe Wells Fargo a debit of {$2000.00}. I have ask repeatedly for proof of the debt. They can not provide. I have since called Wells Fargo and asked them to confirm that I owe this debt. Wells Fargo confirmed that I do not owe this debt and told me to turn this company in for scamming/fraud. I have called XXXX and emailed XXXX XXXX XXXX at XXXX. When I ask the rep to provide me with proof that I owe this debt, they ignore my request and ask how I want to pay. They will get very angry if you ask any questions. They will threaten to turn you in to XXXX and garnish your wages.

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 2023-10-04 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I had internet service with XXXX XXXX at my residence located in XXXX, NH. I cancelled the services on XX/XX/XXXX of XXXX  and moved to XXXX XXXX, TX. XXXX  then decided to bill me {$94.00} for the month of XXXX, for a service that I had already cancelled at an address that I no longer even lived at. I called my bank ( XXXX XXXX ) to dispute the charge on my card, and they said they would contact XXXX  and handle it for me. I filed the dispute with XXXX XXXX on XX/XX/XXXXXXXX  and the dispute was resolved ( and the charge refunded ) on XX/XX/XXXX. 
Sometime around XXXX of XXXX  ( can't find exact dates ) I started to received collections letters from XXXX XXXX XXXX regarding unpaid debt to XXXX. i told disputed the claim with them, and it was dropped. Then in the summer of XXXX, Amsher purchased this bogus debt and tried to collect. I disputed it with them as well, and they took it to the credit bureaus. I've already started disputes with XXXX, XXXX, and XXXX. They recommended reaching out to your organization to stop XXXX  from doing this further. Due to their fraudulent charges, my credit score has gone from over XXXX a year ago to just a XXXX. This is pretty nefarious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX These accounts are not mine, I do not want them on my credit report, I need them to delete 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 non-monetary relief