vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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:
URGENT : Immediate Action Required on My Funds Unacceptable Delays and Unprofessionalism! 
I am beyond frustrated at this point, and I demand immediate action regarding my funds. On XX/XX/XXXX, my Chase business checking accounts were closed. Since then, Ive been dealing with a nightmare of endless delays and incompetent customer service. 
A few days after the closure, I called to check on my funds, and I was told it would take 5 business days to process them, with another 7-14 days for delivery. I patiently waited for that time frame, and when nothing happened, I called again. I was told to give it extra time, that by XX/XX/XXXX, I should have received my checks. I gave it more time, as advised, but then I called back on XX/XX/XXXX only to be told the account was closed ( which I already knew ) and that my funds were still on hold they hadnt even been mailed out. 
I requested to speak to supervisors multiple times, and let me tell you some just hung up on me, showing a complete lack of professionalism. Others told me there was nothing they could do, and Id just have to keep waiting with no clear time frame they said it could take a year, or maybe less. The sheer rudeness and complete lack of accountability was astounding. They claimed the back office was " working on it, '' but they couldnt even get in touch with them. 
Finally, I spoke with a supervisor named XXXX who, at least, seemed willing to help. She promised she would reach out to the department and try to get my funds released soon. I explained my urgency, mentioning the California fires and how critical it was for me to get my money, and she assured me shed do everything she could. We agreed that if she didnt call me back on XX/XX/XXXX, I would escalate the issue further. Well, XX/XX/XXXX came, and I called again. After spending yet another XXXX hour and XXXX minutes on the phone, I spoke with another representative, XXXX, who confirmed that XXXX still hadnt provided an update and that there were no notes on my account indicating any progress. 
This is unacceptable. I have been patient, Ive tried to work with this bank, and Ive been more than reasonable. But every time I call, Im met with more delays, more empty promises, and a complete lack of respect for my time and situation. I shouldnt have to justify why I need my own money this is my money, and you have been holding it hostage for over a month, benefiting from the interest and lending it to new customers while I am left to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
A few years ago, I lost money through Zelle when I sent it using my XXXX  account. At the time, I didnt realize that Zelle works like handing over cash. Once the moneys sent, you cant get it back. XXXX didnt make that clear to me beforehand, so I thought thered be some kind of protection if something went wrong. It wasnt until later, after Id already been scammed, that they explained those details. If Id known that upfront, I wouldve been more careful about who I sent money to. Unfortunately due to events like this, ive decided to leave XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: MI

Complaint narrative:
XXXX XXXX DIRECT EXPRESS ISSUE MY DURECT DEPOSUT ONTO A ANOTHER CARD THAT WAS FRUEDULANT ORDER BY ANOTHER PERSON, ,I WAS AT THE ATM ON XXXX XXXX AND THE OTHER PERSON TGAT HAD ANOTHER SENT TO THEM IN MY NAME BY DIRECT EXPRESS WAS AT THE CASINO WITHDRAWLUNGMY MONEY OF THAT XXXX  ..DIRECT EXPRESS GAVE ME THE HARDEST TIME DISPUTING THAT WAS NOT THE CARD I HAD IN THEIR COMPUTER TO PUT MY DIRECT DEPOSIT FROM SOCIAL SECURITY ON I WAS TREATED REAL BAD BY DIRECT EXPRESS AND THEY DENIED MY REQUEST OF REIMBUSDIING NY MONEY TO ME... .DIRECT EXPRESS HAVE ALL THE HORRIBLE THINGS THEY ASK ME TO DO AND THEY STILL DENIED THEY KNOW THAT ANOTHER THEY NUT THE MONEY WAS CORRECT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as falling to forward consumer-provided evidence to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with the experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-01-14 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failure align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, casing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-15 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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and detected. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction completed by me as a consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: KS

Complaint narrative:
I am writing because Im upset how Zelle and XXXX  have been handling disputes. I have been informed both platforms are having issues when it comes to helping their customers out in instances like this. Both Zelle and XXXX  have failed to investigate my disputes throughly and it upsets me because it has been a lot of money ive lost. They have told me there was nothing i could do and could not give me my funds. This makes people scam other people easily and it scares me it will happen again. I seen in the cfpbs findings various persons have had the same issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
My credit report contains inaccurate accounts that should not be listed at all. This is both unfair and deeply troubling, as I have never been involved in or authorized any of the activities you're attributing to me. If these discrepancies are not investigated and resolved promptly, I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
My credit report contains inaccurate accounts that should not be listed at all. This is both unfair and deeply troubling, as I have never been involved in or authorized any of the activities you're attributing to me. If these discrepancies are not investigated and resolved promptly, I will have no choice but to take legal action.

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 2025-01-14 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: OK

Complaint narrative:
I am writing to formally dispute several inaccuracies and incomplete information I discovered on my credit report upon reviewing it on XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Unfortunately, this has not been upheld in my case. 

The following accounts are incomplete and/or inaccurate : XXXX. XXXX XXXX XXXX, Account XXXX : XXXX XXXX. XXXX XXXX XXXX, Account XXXX : XXXX XXXX. XXXX XXXX, Account XXXX : XXXX XXXX. XXXX XXXX, account Number : XXXX Additionally, under 15 U.S.C. 1681s-2 ( a ), data furnishers are prohibited from providing information to consumer reporting agencies if they know, or have reasonable cause to believe, that the information is inaccurate. 

I have previously disputed these accounts and requested details as to how their accuracy was confirmed. However, I have yet to receive any meaningful explanation or supporting documentation regarding these confirmations. 

Furthermore, I am aware that Experian is currently facing legal action due to allegations of conducting sham investigations into disputes and failing to address legitimate consumer concerns. It appears similar practices may be affecting the handling of my dispute.

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 2025-01-14 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-14 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: MD

Complaint narrative:
I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding unresolved disputes with multiple credit reporting agencies. Despite my repeated attempts to correct inaccuracies on my credit report, including accounts with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as well as unauthorized inquiries, I have not received a satisfactory resolution. These inaccuracies are negatively impacting my credit profile, and I am seeking the CFPBs assistance in ensuring that the credit reporting agencies conduct a thorough investigation and make the necessary corrections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Opened XX/XX/XXXX Paid, closed Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX Opened XX/XX/XXXX Paid, closed Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Opened XX/XX/XXXX Paid, closed Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX XXXX, closed Closed XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Opened XX/XX/XXXX XXXX off XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX XXXX Opened XX/XX/XXXX XXXX Closed XX/XX/XXXX Unauthorized inquiries for XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX Experian Business Credit on XX/XX/XXXX XXXX on 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 2025-01-14 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: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. 

I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX  XXXX -- XXXX # XXXX XXXX # XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax Information Services LLC has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TN

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
My prior CFPB complaint was closed by Wells Fargo in error. 

Representative reviewed only information related to smaller payments and mediation claim. She had no connection with the mediation team and no justification to close my complaint. 

XXXX XXXX XXXX stated that XXXX has distributed all payments regarding the financial miscalculations experienced when our home mortgage was serviced by them. 

The original complaint was regarding the CFPB settlement. Was told by XXXX that my eligibility was being investigated by an outside company. 

I wasnt provided the company name or any tracking information. 

I have contacted XXXX and updated my contact info every time. I then receive sorry, but we couldnt reach you letter because they never updated my phone number in system. 

This is the same thing XXXX did in the XXXX. Deny they got the paperwork. Delay the process by simple incompetence by design ( not updating records ), blatant lies ( paperwork not received ), closing files when they should have been resolved and communicated by the appropriate parties. 

Any research a customer tries to do that holds XXXX accountable will not receive accurate or appropriate service. 

I have been severely and irreparably harmed by the fraudulent and criminal behavior of Wells Fargo Home Mortgage. My documentation includes medical records dating back to XXXX. Those documents details the sudden and rapid decline of my physical health due to heightened stress and extreme anxiety due to XXXX  business practices. 

I need to know the status of my settlement from the Wells Fargo Class Action suit. Is my file under review? If so, with what company or organization? How long has my file been under review? Do I need my attorney to coordinate my application and record of deposition to them in addition to 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