vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
omplaint against Wells Fargo XXXX was XXXX  from my account after my phone was stolen. The claim was denied because " Either myself or someone I know made the transaction and per my phone call with them on XX/XX/XXXX it " had to be you sir because they used XXXX. '' I am writing in response to a denial of a claim submitted because of online fraud for my 2 accounts with Wells Fargo. Enclosed is all the account information. On XX/XX/year> my phone was stolen, I was pickpocketed. The person who stole my phone was able to access all of my financial information which included Wells Fargo. They were able to charge XXXX to XXXX XXXX, XXXX to pay my XXXX card so they would have more available credit, and XXXX was charged as an ACH payment to XXXXXXXX. I called Wells Fargo immediately and filed a claim for those transactions. I asked the gentlemen from Wells Fargo if I needed to close my accounts and he said Well I dont see any other evidence of fraud so I will just cancel your ATM card and send you new ones. He said I did not need to cancel or close the accounts. That same night is when the XXXX transactions occurred in the amount of XXXX. If my account was closed when I first called they wouldnt have been able to access my checking account. 

I suggest you look at the original transactions on XX/XX/year>. The account says XX/XX/year> and that is not when it happened. I called Wells Fargo at approx. XXXX to XXXX with fraudulent activity of XXXX of XXXX XXXX and XXXX to XXXX which was found to be fraudulent activity. The XXXX transactions occurred hours later. Once again if it was closed at XXXX then they would have closed the account then the XXXX XXXX would have never happened Your explanation letter from a previous complaint states that they used online access and its my responsibility to protect my identity but when I called? I was told it accessed using XXXX ( XXXX XXXX. I suggest you listen to the tapes of my calls

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: VA

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, XXXX allowed someone to impersonate me over the phone and lift the freeze on my credit. This allowed them to apply for a credit card in my name, despite me already providing all my identity theft information to XXXX. When I called the same day to check on a dispute I had placed, I discovered that another inquiry had been added to my credit report. I was puzzled as to how this could happen with my credit freeze in place. The representative informed me that the freeze was lifted because someone called in and provided my information. I expressed my confusion, especially since I had a theft report on file. The representative then told me that even with the theft report on file, they had no secure method to verify if the person had my information. I explained that it was a case of identity theft, but they responded by saying that they had no way to add an extra layer of protection to my account. This means that if someone calls in pretending to be me, there is no way to safeguard my account. XXXX did not protect my information they allowed the person acting like me to call in and lift my freeze

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I have never once been contacted by this company. The first time I even knew they existed was when I got a notification on my email that there was a new alert on my credit. I checked into my credit saw that the company was named portfolio recovery LLC and added a collection. Then I started looking into them online, I dont know what this apparent debt is for or from. But once I found the company online and I got their License number I checked on the company on the NMLS and found out that they are not licensed to perform as a debt collector in my state of Washington where I reside. I have never gotten a piece of mail from them Ive never received an email from them either. I had to go on the NMLS website to find out about their licenses to be able to get an email for them so I could contact them. Yesterday XXXX XXXX I sent them an email saying that they needed to take this debt that I do not recognize off of my credit as they are practicing debt collection illegally by not having a license in my state since this is a closed border state for debt collection. They also did not go through the proper channels of sending a letter trying to call or anything of that sort before putting a debt on my credit which is on there illegally. I did receive an email back today from an employee there and all they wanted to do was ask for my Social Security number and my address and I did not feel comfortable giving that out over email when this company is already going against my state laws. I do not trust that they wont try to do something else illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I disputed an XXXX transaction on my Robinhood debit card ( in the amount of {$15.00} ). Then without providing a reason, Robinhood sent me an email stating they have restricted my account. Then after calling and emailing them for more than 20 times, many of which the customer agents hung up on me, after telling me theres nothing for me to do besides waiting - plus I can not close my account or withdraw any of my assets. 

I then waited for another week and without providing a valid reason, Robinhood has emailed me saying they are closing my account. But offered no timeline, or details on how my current funds in Robinhood will be refunded. I emailed them asking for these information and they said they will return the money to my bank account in 120 days. However that makes no sense because my positions are all closed and the funds are just sitting in Robinhood. I was prevented from linking my bank account to Robinhood to withdraw my cash. Theres over $ XXXX just sitting there and Robinhood has provided no reason or process for the refund to be given back to me. 

Robinhood also blocked me from updating my phone number ( my older number has been disconnected and I had emailed them about updating my new phone number for weeks ) on the app which prevents me from getting access to the customer service center via phone. Even though I verified myself through uploading a picture of my ID + real time selfie + social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: Kriya Capital, LLC
State: CT

Complaint narrative:
I recently reviewed my credit report and found that CREDENCE RESOURCE Manage has obtain my information under false pretense and used it to cause actual damages to my credibility. To obtain and use someone information without their consent is " IDENTITY THEFT " I am asking CREDENCE RESOURCE MANA to provide me a signed proof contract that I have given them consent to use my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: HI

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: MS

Complaint narrative:
After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 

They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; 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. 

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 


If these accounts are not removed I will be reporting you to the XXXX and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: MS

Complaint narrative:
After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 

They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; 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.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 


If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Payfare International Inc.
State: IL

Complaint narrative:
On XXXX XXXX I Attempt to close account and receive balance to be mailed by check. I was unable to answer security questions correct and representative ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: PA

Complaint narrative:
To whom it concern, I am writing to formally dispute these fraudulent accounts that are reparation to my credit reports. These accounts are not mine and have been opened without my consent. The accounts include XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Please delete the above named accounts from the TransUnion, XXXX, and XXXX. 

Thank you 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 2024-07-25 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: PA

Complaint narrative:
To whom it concern, I am writing to formally dispute these fraudulent accounts that are reparation to my credit reports. These accounts are not mine and have been opened without my consent. The accounts include XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Please delete the above named accounts from the XXXX, XXXX, and Equifax. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
They said I never returned back their equipment I did and I have the receipt I request this issue with you guys already and it comes off my collection then another Debt collection company put me back in collection For the same issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-07-25 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I disputed this with the credit bureaus XXXX XXXX and XXXX i asked them to re investigate the completeness and accuracy of my account on my credit report i got my investigation back and i noticed they didnt update or modify my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
XX/XX/year> was date of denial I contacted the XXXXcedes Benz finance services department and was told that they have nothing to do with the approval or not but they sent a email stating they wasn't able to pre approve me when I referenced 15 USC 1611, 15 USC 1691a ( b ) discrimination is a crime violation of truth in lending act is a crime given false information also is a crime and the dealership said that the finance company which is Mercedes Benz finance services asked for down payment which is violation of 15 USC 1605 no comparable cash transaction necessary when finance charge is present

Company response to consumer: Closed with explanation