vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: AZ

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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

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 2024-02-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP

Complaint narrative:
I am living in the XXXX and I request to send me a new atm card because the one I have is having some issue but I told them if then can do the expedite for shipping because the last time took almost 2 months to received the card and I really need to get an access to my money.and now I am having the same issue, I have some emergency and I call them that I need to get access to my account and they can't help me because I need to wait for my new card to arrived which is I don't know the exact date and the hospital won't admit me because I need to pay first before I can get admitted.

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 2024-02-28 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Hello, my Name I XXXX XXXX I'm writing to you because of fraud on my bank account for {$3000.00}. Some how some got in to my bank account and transfer the money to another account. I reported this to the bank but then got a letter denying my claim. I don't make External Transfers there should be no Inconsistencies

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 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Subject : Formal Complaint Against Wells Fargo for Unlawful Account Hold and Access Denial and Refusal to Close Account Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo regarding the unwarranted hold placed on my account and the denial of access to my online banking services, and Refusal to Close my Account after several request. As a military veteran currently stationed in Ohio, I find myself in a distressing situation with no access to my funds and no viable means of resolving this issue due to the absence of Wells Fargo branches in the state of Ohio. Wells Fargo has placed a hold on my account, preventing me from making withdrawals and debits, while also denying me access to my online banking services. Despite my repeated attempts to resolve this matter over the phone, I have been met with refusal to verify my identity and provide me with the necessary access to my account. As a member of the military stationed in Ohio, I am unable to visit a Wells Fargo branch in person, as there are no branches of the bank located within the state. This has effectively rendered me incapable of resolving the issue through conventional means. 

Wells Fargo 's actions not only violate basic principles of customer service but also potentially infringe upon several banking laws, including but not limited to : 1. **Uniformed Services Employment and Reemployment Rights Act ( USERRA ) ** : Wells Fargo 's refusal to accommodate my military status and provide alternative means of verifying my identity and granting access to my account may constitute a violation of my rights under USERRA . 

2. **Electronic Fund Transfer Act ( EFTA ) ** : By denying me access to my online banking services without a reasonable alternative, Wells Fargo may be in violation of EFTA , which guarantees consumers the right to access their electronic funds. 

3. **Fair Credit Reporting Act ( FCRA ) ** : Wells Fargo 's failure to properly handle my account and provide adequate customer support may constitute a violation of FCRA, which requires financial institutions to maintain accurate and up-to-date customer information. 

I urge the Consumer Financial Protection Bureau to intervene in this matter promptly and ensure that Wells Fargo provides me with immediate access to my funds and online banking services. Additionally, I request that appropriate actions be taken to hold Wells Fargo accountable for their disregard of banking regulations and their failure to provide adequate customer support, especially to military personnel. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this urgent issue. 

Sincerely, 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 2024-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5100.00}, XXXX XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$440.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$700.00}. Please delete these fraudulent accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I applied for car loan on XX/XX/2024 with Navy Federal Credit Bureau and was denied. They claim it is due to not meeting their underwriting policy but I already have been pre approved by a competitor and believe I was denied retaliation for submitting a complaint for being embarrassed by a concierge at a branch for asking about being pre-approved for a home loan ( I was pre-approved by a competitor with no issue ) and filing a different complaint for their discriminatory behavior with my secured credit card. They have not once sent me any correspondence by mail or digitally explaining their actions and what requirements i need to meet in order to meet their " underwriting standards ''. This behavior is parallel to class action lawsuit that they are facing for discrimination against XXXX and XXXX customers. I am reaching out to the consumer XXXXinance protection bureau to assist me from becoming another victim of their practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}.

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 2024-02-28 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: NC

Complaint narrative:
Sent a letter requesting inquiries off of my credit that were dated XX/XX/XXXX. I sent a report along with the letter requesting that inquiries NOT attached to any accounts and they are investigating an acct thats been valid for three years! I dont want my file messed up because they arent following instructions. The inquiries from the XX/XX/XXXX letter need to be removed. 

They have all the info. I can not write them online because the disputes failed. This need to be fixed

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 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC.
State: MT

Complaint narrative:
On XX/XX/2024, I received a deposit of {$36.00} from the state of Montana as my state tax return. 

The return was rejected, and the error saying " name mismatch '' appeared This was my own return, and my name is the same on both my taxes and my Robinhood. I use Robinhood as my primary checking, savings, brokerage, and retirement. I can no longer access any part of my account, transfers in and out are locked. And it says to wait. 

Initially, it told me to wait until XX/XX/XXXX when this would be resolved. Then, it said XX/XX/XXXX. Now it says XX/XX/XXXX. I can not keep waiting. This is causing my bills to become overdue, which I have never been overdue on a bill before. 

I have reached out to Robinhood three times via phone, and each time they push my resolution date back. 

Currently, the application simply says " take action '' which should allow me to upload files of bank statements, but I have already done that, so it should tell me to wait for review. 

Every time I talk to a person on the phone, they are unhelpful and can not tell me why my account was restricted. 

They have requested I upload pdf 's of bank statements or account closure letters from : XXXX XXXX ( No longer exists ), can not get an official letter, only an email which I submitted XXXX XXXX, can not get an official letter, only an email which I submitted XXXX XXXX, I submitted a recent bank statement for XXXX. 

They said that they were submitted in the wrong format, but this is impossible, as the uploader only allows .pdf uploads. They told me that they wouldn't accept emails, but that's all I can get access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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 like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: TX

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Credit Bureau has violated my rights under FCRA by not providing my credit report as requested. I have requested my credit report for approximately 2 weeks, with the most recent date of XXXX XXXX XXXX, and have been unable to obtain my report. Equifax has further violated my rights under FCRA by evading my efforts to dispute identity theft/Fraudulent account XXXX XXXX XXXX with CFPB by knowingly and continuously reporting said account with its reporting agency. Equifax has continuously tried to evade dispute with CFPB and is liable under FCRA because it required that I furnish information to them before investigating my dispute in an effort to impose obstacles to deter submission of disputes with CFBP, Equifax has further violated my rights by not diligently investigating my dispute against XXXX XXXX XXXX and removing identity theft fraudulent account from its reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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 have requested deletion of this account because I am not associated with this account and have disputed its reporting directly with the furnisher. Delete this today.

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 2024-02-28 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have requested deletion of this account because I am not associated with this account and have disputed its reporting directly with the furnisher. Delete this today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Kikoff Inc.
State: FL

Complaint narrative:
My Kikoff account was included in a XXXX XXXX bankruptcy. The balance was {$4.00} when I filed my petition on XX/XX/XXXX. This debt has been discharged as of XX/XX/XXXX. I emailed Kikoff on XX/XX/XXXX informing them that my account is still reporting a balance owed to the credit reporting agencies XXXX, XXXX, and XXXX. I even provided Kikoff with the bankruptcy documents showing that their account was included in my petition. They responded to my request on XX/XX/XXXX by refusing to remove the inaccurate reporting, and asked me to pay the {$4.00} by money order in order to clear the reporting on my credit file. This is illegal because the debt has been discharged and their inaccurate reporting continues to harm my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: AZ

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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

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 2024-02-28 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: AZ

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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

Company response to consumer: Closed with explanation