vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has XXXX XXXX XXXX XXXXXXXX tx as a address on my credit report. I have never lived there and have demanded that it be removed from my report. I have asked experian how they verified it multiple times with no response. Please address this with them and get it removed.

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 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
so my issue is with XXXX XXXX app the crypto currency the week of the XXXX my account was locked after i did XXXX deposit of XXXX $ then another deposit of XXXX XXXX making a total of XXXX $ after which my account was locked and been unable to withdraw my money since they blocked it, do then and i provided them my drivers liscense they sent me a message back that week saying cant verify the id. then i proceed to send my id again they say the same thing even though all the info matches. 

after all this comes around to the week of XX/XX/2024 they ask for my bank account information said i can send it on the app come to find out theirs no link on the app so i had to message them again they now sent me a link so i submitted the documents. 

it said decision will be done by the XX/XX/2024, now it says XX/XX/2024 overall i would like to be able to withdraw my XXXX $ i deposited into this app and being XXXX weeks without being able to even reverse the deposit of my money in which has been sitting in a frozen robin-hood account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: AR

Complaint narrative:
Money NetworkXXXX XXXX  XXXX XXXX XXXX XXXX {$1000.00} stolen. 

I have had this card for many years. It is a XXXX payroll card. I retired and have kept it and now my XXXX XXXX XXXXXXXX is loaded onto it each month. I usually get paid on the XXXX every month but received it early for XX/XX/year>. 

On XX/XX/year>, {$500.00} was transferred from my account to something called XXXX. On XX/XX/year>, another {$500.00} was transferred to XXXX. I did NOT authorize these transactions. I do not know who the sender is and did not attempt a transfer of any kind to XXXX. It appears XXXX is a money transfer service to XXXX! I do not know anyone in or from XXXX. This is 100 % fraud. 

I reported the fraud on XX/XX/year> which was the first I logged in to check my balance. I reported it immediately and locked the card and ordered a new one. I changed my password and PIN #. I filled out the claim form requested and faxed and emailed it back to them on XX/XX/year>. 

I called today to check the status and they denied the claim!! They said because the money was already picked up. I never authorized a transfer. I still have the card. I have never let anyone use my account. Please help. This XXXX check pays my bills and I am never going to recover from {$1000.00} loss. 

The company has now had me on hold an hour and I'm sure will not answer. I asked for an appeal and to speak with the fraud department. I have been on hold ever since. I have set up an account with another bank for future social security deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX number XXXX Dear LVNV Funding LLC, My name is XXXX XXXX, and I recently obtained a copy of my credit report and I see that I have an account reporting on my credit report but I am not really sure what it is about. 
If you don't mind please send me validation of the debt you have listed on my consumer report. Due to my current living situation, it would be most convenient for me to receive communication via email. Therefore, I kindly request that you email the validation of debt to the following email address : ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank inactivated my savings account because of no recent activity. When I learned this occurred, I contacted the bank and followed the instructions to send a letter requesting reactivation. The bank received my letter on XX/XX/XXXX ( by XXXX, tracked mail ). It was expected that they would resolve or contact me in XXXX business days after receiving the letter. 

I did not hear anything and contacted Citibank on XXXX. The customer service representative had no information on my previous call, and did not have any information on whether they were working on the reactivation request. I gave her the USPS tracking to locate the letter. I was told to wait another 2-3 business days for resolution. 

I again heard nothing. I called back on XX/XX/XXXX and another customer service representative said he had no information about my previous calls, and did not have documentation of the tracking number to locate the letter. I asked to speak to a supervisor who said he would contact me after XXXX business day to let me know the status of my request and they would be able to reactivate my account. I had to provide all the same information again to him. 

I did not hear back so called Citibank again today ( XX/XX/XXXX ) and was not able to reach him despite having his ID number -- it is clear that Citibank has poor documentation of client communications and the client can not speak to the same representative so nothing gets resolved, and no one is responsible. I was told today that they do not know the status of my request but I should wait to hear and unknown amount of time. I asked to speak to another higher level supervisor who could help me reactivate my account to access my savings. I was told they can only call me back in 1-2 business days. 

The bottom line -- I have followed all the instructions to reactivate my account but Citibank has not resolved the issue, or been able to tell me what the status is, or when it will be resolved. Or if I need to do anything else in order to complete this request. In essence Citibank is preventing me from accessing my savings account despite following all their instructions. It has been nearly 4 weeks since I contacted Citibank by phone, then by Priority mail about this issue, without any resolution or explanation.

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 2024-03-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NC

Complaint narrative:
My money was stolen, I filed for a dispute and they said I would get an update today it is XXXX in the afternoon I have yet to hear anything after calling and emailing several times. 

Account Number : XXXX Claim Date : XX/XX/2024 Claim Number : XXXX Claim Amount : {$1500.00} Just tired of getting the run around half of them can't even really communicate with me correctly it's just a big mess and now I'm out of my savings and rent.

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 2024-03-19 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received a gift from the CEO of our company. This was a XXXX gift and the date I received it was XX/XX/2024. It was an XXXX gift card for {$500.00} I have been unable to spend this anywhere. It is always declined. The places I've tried to spend are online and require the card #, exp date and Cvv code. I have always included these in the transaction. 
The last time I tried was last night XX/XX/2024 at XXXX 
I have tried calling Amx and never get to talk to a person, just run around by autoattendent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On Thursday XX/XX/2024, I bought XXXX ( XXXX ) and attempted to transfer it to another wallet. Robinhood restricted my account and requested my latest statement from my checking account used to deposit funds. I complied on Friday XX/XX/2024 and they proceeded to ask me a lot of questions regarding my knowledge on cryptocurrency and whether or not it was me trying to transfer the crypto out of my account. I answered all the questions and confirmed it was me and that no one was forcing me to send money out of my account. On Monday XX/XX/2024, Robinhood informed me that they made the difficult decision to close [ my ] Robinhood account ( s ). Since then, I sold the bitcoin ( XXXX ) in my account and attempted to withdraw my funds and have not been allowed, since my account is restricted. I contacted someone from their support team on Tuesday XX/XX/2024 and they informed me that All funds will be returned if eligible to either the accounts that deposited the funds or a linked bank account. I am concerned as to why they would hold my money without allowing me to withdraw. This is theft. It is my money. They have not provided reason for account closure nor the reason for refusing to allow me to withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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 RECEIVED A COPY OF MY CONSUMER REPORT AND SEE INACCUARTE INFORMATION ON IT.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I need help with getting refunded for payments I made for my federal student loans during Covid Forbearance. I am a XXXX XXXX XXXX who qualifies for PSLF. I was misinformed by XXXX abou the forebearance for borrowers who were seeking PSLF, so I continued to make payments during the Covid Forbearance XXXX XXXX XXXX XXXX  totaling {$10000.00} ). Prior to my loans were being moved from XXXX to Mohela in XX/XX/2022, I contacted both loan servicers and requested to be refunded for the payments made during the Covid forbearance since this time would be counted as qualifying payments for PSLF. I was informed by both XXXX and Mohela that I would be refunded for my payments because my request was made prior to consolidating my federal loans. Now Mohela is telling me that because I consolidated my loans I am no longer entitled to be refunded, even though the request was made to both XXXX and Mohela prior to consolidation. I am now requesting with this matter because Mohela is know for giving inaccurate information adn making errors with accounts and refunds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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 recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute the accuracy of information on my credit report. After reviewing my report, I noticed an account listed under [ XXXX XXXX ], account number [ XXXX ], which was sold to a debt collector. However, I want to emphasize that this debt is not mine. 

I request that this account be investigated promptly and removed from my credit report as it does not belong to me. Please provide me with information regarding the steps taken to resolve this dispute. 

Enclosed are copies of relevant documents supporting my claim. If further information is needed, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your attention to this matter. 

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 2024-03-19 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: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX  XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX  XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) - Account Number : XXXX - XXXX - Account Number : XXXX - XXXX XXXX - Account Number : 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