vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-20 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: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-20 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: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I had gained money from a trade in which i sold on XXXX. XXXX i had received an email from robinhood that they were working on my data request that i had submitted a while back ( dont remember exactly when maybe a month ago ). Then i received another email that there was activity on my account, i dont have access to see who else is on my account so i immediately call robinhood customer support because they were going to close my account. On the call the person told me that my account information was incorrect, so i submitted my id, ssn, and bank statement to verify my id. They told me to wait till XXXX XXXX for confirmation of the account review and they would temporarily put the account on hold. I immediately did this and waited, then on XX/XX/XXXX. Basically told me to wait even more for them finish it up. This was until XXXX and now its saying they will close the account due to suspicious activity. I just wanted to transfer my funds back to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: 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 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Subject : Complaint Regarding Early Statement Closing and Negative Credit Impact Dear Capital One Customer Service, I am writing to formally express my concern regarding the early closing of my recent billing statement, which has negatively impacted my reported balance and, consequently, my credit score. I have been a responsible account holder, and I rely on the consistency of my billing cycle to manage my finances effectively. Unfortunately, I was not provided with any advance notice of this early statement closing, which prevented me from making necessary adjustments to my balance before the report was submitted to the credit bureaus.

The unexpected change has resulted in a reported balance higher than what I typically carry at the end of my billing cycle, which in turn has affected my credit utilization ratio. As you may be aware, credit utilization plays a significant role in credit scoring, and this unanticipated shift has the potential to impact my overall financial standing unfairly. 
I respectfully request an explanation for why my statement closed earlier than usual and why I was not informed in advance. Additionally, I would appreciate any corrective measures that can be taken to ensure that my credit report accurately reflects my intended balance. If possible, I request that the reported balance be adjusted or that guidance be provided on how to mitigate the impact of this issue. 
Please provide a written response at your earliest convenience, as well as any steps I may take to prevent this from happening in the future. I appreciate your prompt attention to this matter and look forward to your resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I called Chase bank last week between XXXX as Ive been constantly been getting overdraft fees when I expressly consented in their app to not allow for transactions to be approved ( no overdraft coverage ). 
The rep saw that I in fact do not have this setting in their app to allow for me to go on overdraft and yet I continue to be charged overdraft each day. This is unacceptable as I am getting charged for a service or action I expressly did not consent to ; I actually expressly indicated that I do not want them to cover transactions. I am being robbed and they are misleading customers in their application settings as to what it really means to not have overdraft protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Airtm Inc.

Complaint narrative:
Yesterday I received my weekly payment on the Airtm platform and when I made the transfer to my account, the platform withheld my money, until today I have not been able to recover it, it does not have a technical support area to solve the problem, they are not giving me options and they ignore me, they do not return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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 non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I am kindly requesting Complaint XXXX be reopened and addressed as it appears Goldman Sachs did not understand my complaint based on lack of resolution in their response. The statements DO NOT provide customers with what their balance is before and after each transaction. I have statements and exports of transactions to prove this. 

The statement details all purchases made, the date of the purchase and the amount of the purchase. The statement does include the current balance and previous month balance. Goldman Sachs nor XXXX  is supplying their customers with what their balance is BEFORE AND AFTER EACH transaction on the statement. There is no historical account of what my balance was before or after each transaction. I have spoken in length on the phone with Goldmann Sachs and was told by three separate employees that this is not available information.

This is an Apple Credit Card issue - XXXX  and Goldman Sachs their banking entity are not providing their customers with their balance information before and after transactions/payments nor in their statements or App interface. They ONLY provide the CURRENT balance and what the balance was at the beginning of the month. There is no bookkeeping of historical balances throughout the month or on any previous statements. The only thing the statement offers is a list of transactions. I was told by 2 specialists via chat and Manager XXXX  via phone that this is not something Goldman Sachs offers. By federal law a bank is legally required to provide you with a bank statement that details your account activity, including a breakdown of transactions, which is essentially a " statement breakdown '' ; this is particularly true if your account involved any electronic fund transfers ( EFTs ) during the statement period. This is poor bookkeeping and a legally immoral practice of both Goldman Sachs and XXXX  , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
To Whom It May Concern, I have been contacting Navy Federal Credit Union since the beginning of XX/XX/year> regarding a fraudulent account that was opened under my name. Despite multiple attempts to dispute this, my claim continues to be denied. 

A car loan in check form for {$86000.00} was issued under my identity without my authorization. My identity was stolen, and a total of {$600000.00} in auto loans has been fraudulently taken out in my name across multiple institutions. I have already filed an FTC Identity Theft Report and am actively working with a detective to investigate this matter. 

Navy Federal approved and funded this loan without properly verifying my identity. This vehicle has been confirmed to be overseas in the XXXX XXXX since XX/XX/year>, yet the fraudulent loan under my name was granted in XXXX XXXX after the car left the country. Additionally, multiple financial institutions, including XXXX XXXX, have verified the fraud, acknowledged the issue, and have been assisting me in resolving their respective cases. 

Navy Federal, however, refuses to even update my address so I can receive correspondence regarding my appeals. Each time I call, I am never allowed to speak directly to a fraud specialist. I am requesting immediate assistance in demanding that Navy Federal conduct a full and proper fraud investigation as the other eight lenders have done.

I will not be held responsible for a vehicle I never applied for, never took possession of, and never authorized. The loan was approved using fraudulent addresses and falsified employment information that clearly does not belong to me. Given the severity of this case and the overwhelming evidence of fraud, I demand a thorough review and immediate action from Navy Federal.

Please escalate this matter immediately, as my financial security and credit standing have been severely impacted by Navy Federals failure to investigate this fraud properly.

I expect a written response outlining the next steps to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
The following accounts below were reported as a collection, but I dont recall having business transactions or dealing with there companies. I am asking that you have the creditors provide evidence the accounts belong to me and should be on my credit report, In addition, to show that my rights have not been abrogated. 
Im asking each to verify that the creditors have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable by each creditor, I required that the accounts in question are updated and deleted to reflect the proper reporting standard. 

Sunrise Credit service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In reference to report # XXXX submitted on XXXX XX/XX/XXXX, Transunion states that they did not open an investigation and do not intend to. XXXX from XXXX XXXX department states they only collect info from the consumer to prevent it from happening again to other consumers. I requested documents and was again told no they would not send them, I needed to request them after I sued the XXXX XXXX XXXX and a judge would ensure that I got them. A document from XXXX XXXX  XXXX ( a company who helps trafficked victims with their credit ) has also been victimized by XXXX XXXX. I contacted the company and spoke with the XXXX XXXX XXXX on XX/XX/XXXX ( XXXX ) XXXX and she stated that they have been receiving complaints and have been trying to track down the person responsible for using their logo, business name and submitting erroneous documents on her company 's behalf. XXXX XXXX XXXX offered to send a letter via email to Transunion to state the previous document submitted DID NOT come from their company and that it was indeed fraud. Transunion refused to accept the letter and told me that the letter was not necessary.

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 2025-02-20 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: Cascade CISS Holdings, LLC
State: TX

Complaint narrative:
dispute letters and called sent in to companies as well as credit bureau agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
We returned the leased car in perfect condition. Almost a year later we received a notice from a collections agency stating we owed {$930.00} to BMW. We never received a notice from BMW. Now BMW has stated to credit bureau 's that we owe the money. We paid {$930.00} to BMW the day we learned of the amount owing. It shows on XXXX of XXXX credit agencies that the account is closed and paid in full but the fact BMW sent it to collections before contacting us has adversely affected our credit rating by more than XXXX points and is preventing us from getting a loan for our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I believe I have now 2 open debt collections. One was closed today XX/XX/year>. My name is XXXX XXXX and I have now 2, was 3, open accounts with XXXX XXXX. I did NOT open these accounts and I strongly believe my information was leaked on the dark web as I have a software on my phone that tells me so. This is not the only issue at hand when it comes to random accounts opened in my name with my personal information. I am kindly asking that you help me in removing these accounts. Three for {$160.00}, {$160.00}, {$210.00}. Not sure which out of the three was closed. Thank you so much for your time.

Company response to consumer: Closed with explanation