vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I took this loan out due to a family emergency. As I needed a lump sum amount. I was unaware until now that my minimum payments of {$590.00} were only going towards renewing the loan and none of it was going toward the principal. I was also unaware until today that I am being charged a 152.08 % annual finance charge. Now I have been approved for a loan that doesn't have ridiculous interest and with payments that will go towards principal. The loan amount that I've been approved for is {$60.00} short of the payoff amount on my vehicle. I just made a payment on the XXXX of {$590.00} to TitleMax they want me to pay that again plus the {$60.00} in order to drop my principal low enough to use the other loan to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: KY

Complaint narrative:
Beginning in XX/XX/XXXX, we were the victims of a security breach of our checking accounts at XXXXXXXX XXXX  as a result of a security failure at the bank and resulting identity theft. ( This is the subject of a separate CFPB complaint # XXXX ). A bogus check was written for {$50.00} and XXXX assured us they would clear up the matter -- no need for us to pay. XXXX didn't fulfill their responsibility, the debt was turned over to TRS Recovery Services who began hounding us with collection phone calls. We've spent hours on the phone ( mostly on hold ) over several instances over several months trying to get the matter resolved, but TRS insisted on sending us multi-page forms to complete. Their Tracking # is XXXX. We did, but we also requesting that they contact a specific XXXX XXXX who could assure them we were not at fault. As recently asXXXX, I received a TRS collection call from their employee XXXX XXXX XXXX who insisted they had not received our completed forms but did acknowledge my XX/XX/XXXX and XXXX letters ( and attachments ) to them were in their file. These letters to XXXX XXXX at TRS confirmed the street address, phone number and email associated with the bad check did not belong to us. Once again, XXXX XXXX steadfastly refused to contact XXXXXXXX XXXX insisting that I contact the bank and have them contact TRS ( which I did immediately in an email to XXXX in their Client Advocacy Department ). I concluded the call by insisting that we stop receiving harassing phone call ( XXXX XXXX agreed ) and informed XXXX XXXX I would file a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The following account XXXX XXXX acct # XXXX was charged off as of XX/XX/XXXX XXXX Since the the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. This is a direct violation of the consumer Fair Credit Reporting Act. This also falsely manipulates the statue of limitations. This account is approximately 6 years old. Which due to the nature of falsely reporting every month as a late payment or past due this account should be removed from 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 non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The following account XXXX XXXX acct # XXXX was charged off as of XXXX XXXX Since the the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. This is a direct violation of the consumer Fair Credit Reporting Act. This also falsely manipulates the statue of limitations. This account is approximately 6 years old. Which due to the nature of falsely reporting every month as a late payment or past due this account should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The following account XXXX XXXX acct # XXXX was charged off as of XX/XX/XXXX XXXX Since the the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. This is a direct violation of the consumer Fair Credit Reporting Act. This also falsely manipulates the statue of limitations. This account is approximately 6 years old. Which due to the nature of falsely reporting every month as a late payment or past due this account should be removed from 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 2024-01-18 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: TX

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Hello, I always use XXXX to transfer money between my XXXX  bank accounts. XXXX and BMO Harris. This particular time i used XXXX  XXXX  to tranfer money to BMO Harris. I transferred XXXX dollars from XXXX  XXXX  to BMO harris because BMO harris ATM was closer to me at the time. I waitied until i seen the funds avaliable and i went to get the funds from the BMO ATM. Fast forward a couple weeks and BMO is telling me my acct is over drawn by XXXX which i dont understand cause i had the funds, i checked before i took it out. XXXX  XXXX  is telling me funds were taken from my account and provided me the transaction number and everything but BMO was telling me they have no documentation of me transferring the money only taking it out. I went back and forth between the two banks for months and got nowhere. Now BMO harris sent my info to collections and closed my account and now i am in XXXX XXXX for something i had no controll over. I can not open accounts because of this. 

Also BMO harris owes me money because i had another acct being deposited into the acct and what they said i owe was being payed down so my balance went from XXXX to XXXX by time i knew anything and they sent it to collection and they knew i was fighting this and they still sent me off Transaction number to this amount transferred was XXXX This was provided to me by XXXXXXXX XXXX Thanks

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 2024-01-18 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I went on a trip to XXXX in XX/XX/XXXX for my honeymoon and after arriving home, I noticed there was a charge for {$570.00} that posted on XX/XX/XXXX labeled XXXX. 

I never bought anything from this vendor and its a fraudulent transaction. I disputed the transaction with Chase Bank and they removed it from my account. However, on XX/XX/XXXX they rebilled me for this charge yet again claiming that it was a legitimate charge. 

I called the bank on XX/XX/XXXX and explained this is fraud and they still maintained that I will be charged for it, as it was a charge that occurred physically. This doesn't seem fair. I suspect an employee from a business that I went to took my card and charged it using a hidden card reader while I was transacting in their shop. 

Please help make this right- this is a HUGE financial burden for me and I didn't authorize this transaction or receive any benefit from it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I didn't apply Synchrony PayPal Credit Card, and I'm disputing that I don't have the responsible to pay it, because the person having with my identity theft.

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 2024-01-18 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: IA

Complaint narrative:
I recently disputed information on my credit report that did not pass CDIA Metro 2/CSRA compliance. The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact, fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to CERTIFIED METRO 2 COMPLIANCE standards ? I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws provide that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) requires. Please reply within ten days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.

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 2024-01-18 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: IA

Complaint narrative:
I recently disputed information on my credit report that did not pass CDIA Metro 2/CSRA compliance. The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact, fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to CERTIFIED METRO 2 COMPLIANCE standards ? I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws provide that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) requires. Please reply within ten days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2024-01-18 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: TX

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2024-01-18 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: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2024-01-18 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: IL

Complaint narrative:
My name is XXXX XXXX and I'm writing to let you know I am a victim of a reported data breach. I noticed certain incorrect personal information, fraudulent accounts and unauthorized inquiries have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.

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 2024-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
I currently hold an account with Robinhood under email address/username XXXX. As part of this account, Robinhood has provided me with a crypto wallet that exists on the XXXX XXXX XXXX. The wallet address provided to me was XXXX. 

On XX/XX/ units of the crypto token XXXX ( valued at {$290.00} XXXX ), also known as XXXX, was sent to the aforementioned wallet address ( XXXX ). The transaction ID for this transfer is XXXX. This transfer was recorded on the blockchain and can be found here. XXXX XXXX XXXXXXXX Despite the XXXX XXXX tokens being sent to the wallet address, which was provided to me by Robinhood, the transaction was not credited to my account. I reached out to Robinhood support, which claims that XXXX  is not a supported token on their platform and that they can not recover the XXXX XXXX 

Here are some facts : 1 ) Robinhood has custody of wallet address XXXX 2 ) Robihood provided me with wallet address XXXX so that I could receive crypto at said wallet address. 
XXXX ) XXXX XXXX was received at wallet address XXXX, which Robinhood has custody of and has assigned to my account. 
4 ) Therefore, Robinhood has custody of the XXXX XXXX which belongs to me, and has materially benefited by the amount of {$290.00} by refusing to return the crypto to me. 

At present, Robinhood is refusing to return the XXXXXXXX XXXX to me. To access the crypto, they would simply need to mount the wallet using a key, which only they have access to, and send the crypto to my private crypto wallet address, which I can provide. This will have minimal cost for Robinhood ( less than XXXX cent in transfer fees ), which they could deduct from the returned crypto amount. 

Alternatively, Robinhood can provide me with the wallet key and I can perform this transfer myself. Currently, the only holdings in the wallet are XXXX XXXX ( valued at {$290.00} ) and XXXX XXXX ( valued at {$0.00} ). 

Alternatively, Robinhood can keep the wallet, and reimburse me {$290.00} for the value of the crypto which they hold on my behalf but refuse to give me access too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Consumer Financial Services
State: FL

Complaint narrative:
I am not liable for this debt with, CONSUMER FIN I do not have a contact with, they did not provide me with the original contract as I requested. I demand this account to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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:
I respectfully ask that you rectify my credit report by removing the public record currently shown. For your reference, I've attached the required documents. I appreciate your prompt attention to this matter.

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