vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I opended a XXXX account on or around XXXX XXXX XXXX It was opened with my Drivers License and a mobile phone selfie. On or about XXXX XXXX XXXX  I went to withdrawl my money to my bank account via transfer. I submitted my Drivers License and a selfie again and recieved on my mobile device " Account Restricted ''. They did call me once around XX/XX/XXXX and were agressive when I made the arguement that I have been verified and questioned why they would treat a customer in this manner. The amount locked is $ XXXX. There is no real person to call or contact. They say on the app I am in Que for a phone call. At what time and when? I have been Queded for 5 days. If I miss the call, then what? 

On there app they are asking for a bank statement and I submitted that. How long can they hide behind the security excuse and not return funds. Why are the allowed to operate outside of any banking norms? 

Please intervene on my behalf. They can look at my account via phone number which I have be submitted to you. 

XXXX ( XXXX XXXX ) you should not be doing business in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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:
I am contacting you about the compromising of my Social Security number. I am a victim of the data breach/identity theft. I contacted the federal trade commission, and filed an FTC report number : XXXX. Which is attached, please block and remove all information from my credit report and send me an updated copy of the credit report. 

Under 15USC 1681 c-2-c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving the complaint consisting of the information below : Collection accounts : - [ XXXX  ] XXXX Opened : XX/XX/XXXX Amount : {$120.00} - [ XXXX  ] XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$5600.00} - [ ] XXXX XXXX Opened : XXXX XXXX Amount : {$9900.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Failure to respond satisfactorily will result in a small claims action against your agency. I will be seeking damages but not limited to each violation is a statutory cost of {$1000.00} each Per 15 U.S.C XXXX 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
This account has been charged off by the company. I'd like to have a copy of the 1099-C so I can file it with my taxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I WAS XXXX  AT THE TIME OF THE IDENTITY THEFT IN THE XXXX XXXX. 
THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A XXXX  LOAN. 

XXXX XXXX XXXXXXXX XXXX ACCOUNT : XXXX AMOUNT {$500.00} XXXX XXXX XXXX XXXX ACCT # XXXX AMOUNT {$500.00} ALLY FINANCIAL ACCOUNT # XXXX AMOUNT # XXXX XXXX XXXX XXXX. 
ACCOUNT # XXXX AMOUNT {$920.00} XXXX  ( XXXX XXXX XXXX ) ACCT # XXXX AMOUNT {$580.00} XXXXXXXX XXXX XXXX  XXXX ACCT # XXXX AMOUNT {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a Citi XXXX XXXX account with Citi. This fall I transferred all of my funds from this account to my hometown bank. I called Citi and requested this account be closed. In fact, I have called multiple times and can only get through to a customer service rep on the credit card side. I also have a Citi Credit card account. Each time I've been told that they would pass my request to the banking side and that I would get the account closed. Citi does not offer an email nor texting solution for contacting their customer service department. Additionally, I sent a letter of request for account closer to Citi 's online banking contact address in XXXX XXXX, Texas. 
To date, this account remains open and I have a status of " XXXX '' because Citi has imposed the {$4.00} monthly charge because the account falls below minimum. 
In my letter, I asked Citi to waive their charge because I have tried my best to contact them and get the account closed. 
I don't want this matter to continue because at some point Citi may affect my XXXX XXXX which is high. Additionally, I owe nothing on my Citi credit card because I've had monthly auto payment. Greatly appreciate your assistance.

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 2024-12-21 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: IL

Complaint narrative:
I received Information that there was potential fraud on my credit report I noticed that there are several accounts I did not authorize I reached out to To these companies requesting that they provide physical documentation showing my original wet signature authorizing each one of these transactions none of these companies have been able to provide me with this information I reported this to the credit bureaus Trans Union XXXX and XXXX however it is still being put on my credit history even though it has been reported to the federal agency FTC including two local law-enforcement agencies this is a violation of my rights under the FCRA I also fully intend on pursuing this matter through litigation as I am a litiglous consumer and this has been harmful to my character, my job, as my credit history does play a part in my employment my abilities to carry out certain task such as open a bank account get a loan start a mortgage etc. I fully intend to Hold Trans Union, XXXX and XXXX responsible for the harm that this false information has caused me. as it is their responsibility to confirm, the information is accurate before applying the information to my credit history _ ] According to the clerk of courts they informed me that they DO NOT disclose information to any third party companies due to the Privacy Act, 5 U.S Code 552 A ( B ). The information listed below by your company is completely false information and is violating my rights under the Fair Credit Reporting Act and Privacy Act.

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 2024-12-21 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 

I would like to inform you that your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, and it is regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XX/XX/XXXX I received information from XXXX stating that the information was accurate and I requested the information and I was not provided that information. I also contacted the XXXX XXXX XXXX regarding this matter and I have not received any information. Not only do I know that this account is fraudulent but not mine, because I have had an active account with XXXX XXXX XXXX already and it has just been upgraded to a XXXX XXXX  XXXX card as of this month. I contacted XXXX XXXX regarding this matter and I have been told by XXXX on XX/XX/XXXX that my account is in good standing and it was just upgraded to the new card. I have been dealing with this dispute for over a year and this needs to be removed since I have not been provided accurate in formation the last year. i have even sent this letter : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, XXXX, XXXX XX/XX/XXXX LVNV Funding LLCC/O Resurgent Capital Services XXXX XXXX XXXX, SC XXXX Subject : Dispute of Inaccuracy on XXXX XXXX XXXX Account Dear LVNV Funding LLC, I am writing to formally dispute the reported inaccuracy associated with my XXXX XXXX XXXX account XXXX which appears to be in collections under your management. My account is currently active and in good standing, and I have been notified that my XXXX XXXX XXXX XXXX has been upgraded to a XXXX XXXX XXXXXXXX card. 
Despite this upgrade and the positive standing of my account, I have received information indicating that it is being incorrectly reported as being in collections. This discrepancy is concerning, and I would like to resolve it as quickly as possible. 
Please provide me with the following information to clarify this situation : 1. Verification of the account status and any outstanding balances.

2. A detailed explanation of the circumstances leading to the collection report.

3. Documentation supporting your claim regarding the collection status of my account.

I appreciate your prompt attention to this matter and look forward to your response within 30 days. If this issue is not resolved, I will consider further actions to protect my rights. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX, ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation
Consumer complaint received 2024-12-21 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
ACCORDING To Fair Credit Act Section 601 Say You Have The Right To Dispute Any Inaccurate Information From Your Credit Report on XX/XX/2024 A Debt Validation Was Send Here Is The Tracking # XXXX Pursuant to 18USC8, I Owe no debt this company is violating my consumer right to privacy pursuant 15USC 1681b They also have no permissions to report ANYTHING using My Information Pursuant to 15USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I am a custom to identity theft, and the last car was broken down cant get it fixed to please. We took it off 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 2024-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently discovered that my personal information was used without my permission to open accounts and/or make unauthorized transactions. I did not authorize these activities and have not benefited from them in any way. I suspect my information was obtained through breaches as I was apart of multiple. 

I am submitting this report to document the theft and ask for help in resolving the fraudulent activities associated with my identity.

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 2024-12-21 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: FL

Complaint narrative:
I recently discovered that my personal information was used without my permission to open accounts and/or make unauthorized transactions. I did not authorize these activities and have not benefited from them in any way. I suspect my information was obtained through breaches as I was apart of multiple. 

I am submitting this report to document the theft and ask for help in resolving the fraudulent activities associated with my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I closed my American Express Platinum card in XXXX or XXXX of XXXX, with a XXXX balance and no interest. I confirmed the closure with a customer service representative at the time of closure. Afterward, the card was removed from my online account and smartphone app, leaving me without access to past statements or charge details. 

Despite confirming the account was closed, recurring charges have continued to post without notificationonly surfacing by threatening alerts from American Express only when becoming overdue. I have paid these charges each time and was reassured by customer service that the account was closed and recurring billing disabled. 

It is now XX/XX/year>, and I continue to receive monthly charges on this purportedly closed account. The charges are not visible online, yet I receive overdue notices. Although I have paid promptly, I no longer receive alerts about late payments, and my credit report has been negatively impacted by a late fee that I had no way of seeing or addressing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-21 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:
I am contacting you about the compromising of my Social Security number. I am a victim of the data breach/identity theft. I contacted the federal trade commission, and filed an FTC report number : XXXX. Which is attached, please block and remove all information from my credit report and send me an updated copy of the credit report. 

Under 15USC 1681 c-2-c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving the complaint consisting of the information below : Collection accounts : - [ XXXX ] XXXX Opened : XX/XX/XXXX Amount : {$120.00} - [ XXXX ] XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$5600.00} - [ ] XXXX XXXX Opened : XXXX XXXX Amount : {$9900.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to respond satisfactorily will result in a small claims action against your agency. I will be seeking damages but not limited to each violation is a statutory cost of {$1000.00} each Per 15 U.S.C XXXX  1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification

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 2024-12-21 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: AR

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

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.

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 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 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
{$300.00} was sent to me on XX/XX/year> from a XXXX XXXX XXXX  account to a XXXX account thru Zelle. The transaction was confirmed as sent by XXXX XXXX with transaction ID XXXX. The money was not received in my Zelle account. I reached out to both XXXX and Zelle customer service and both were unable to locate the transaction. I have not received the XXXX XXXX I have successfully sent and received money using the same Zelle account since this incident.

Company response to consumer: Closed with explanation