vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
On XX/XX/XXXX, I attempted to transfer XXXX XXXX to my personal wallet, but my account was immediately restricted. I followed all the steps provided for the account review process and submitted the required documentation, yet nothing happened. I emailed their support team but received little useful information. Eventually, I got a notification through the app instructing me to call them. 

When I tried to reach out, their callback system promised a 30-minute wait, but I often didnt receive a call back at all. On the rare occasions I did, it was typically 89 hours later and from a number that wasnt even listed in the app, which felt suspicious. When I finally managed to speak with someone, they asked irrelevant questions, such as how I got into XXXX and how I discovered Robinhood, none of which pertained to my issue. 

When I requested to escalate the matter, I was told to email them instead, which felt like they were deliberately giving me the runaround. Now, my account is once again marked as under review. With the market being so volatile, I believe its unacceptable for any financial institution to restrict an investors access to their funds for such an extended period. From my research, this appears to be a common issue, which is extremely concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Bank account opened in my name and or attempted to be open

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my 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 2024-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Hello, on XX/XX/year> I went into XXXX to purchase some candy canes for my son for XXXX. When I was checking out the lady behind the counter asked if I wanted to use my {$25.00} XXXX reward points towards the purchase. She never informed me that it was a credit card that I was signing up for. She just asked if I wanted to use my {$25.00} reward points so I said yes. It wasnt until after it was complete that she told me my card would arrive in a few days. I was confused and asked what she meant and she explained that Ill get a credit card. I never signed up for this card with my consent and she in fact tricked me into opening the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

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

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I called the given number that the collection was under ( XXXX ) XXXX, but was redirected to a separate company ( XXXX ) XXXX. 

I spoke to the other company that was called Radius and confirmed my information in which I settled with a payment to close the account. They told me Id receive a letter detailing that the account would be closed in 24hrs. I didnt receive anything and when I called the original number they said that the account had not been settled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
Dear XXXX XXXX & ZIONS BANCORP Senior Leaders : I write as a severelydistressed new customer of California Bank & Trust, having opened my Savings Accountending XXXX on XX/XX/XXXX, and having my account suddenly frozen the day before XXXX -- today, XX/XX/XXXX. You will note my horror when this action ( which froze {$2000.00} of my funds ) was arbitrarily taken on my account without cause, even after presenting ID in a local ( XXXX XXXX CA ) branch on XX/XX/XXXX, and making my deposit in branch. As such, this arbitrary freeze of my account merits IMMEDIATE resolution and release of this hold prior to further actions as noted herein. 

As a travel nurse, I utilize my California mailing address which to date, has never been an issue -- meriting immediate action and resolution in this matter and the unlockingof my account, prior to commencing the following actions : I.Complaint with the Consumer Financial Protection Bureau additionally ; II. Complaint with the Office of the Comptroller of the Currency ; III. Complaint with the XXXX XXXX ; XXXXV. Immediate engagementof local news media ( XXXX XXXX XXXX XXXX ) to aid in this egregious matter 's immediate resolution. 

This matter is extremely time-urgent, and demands immediate resolution by end of business today -- XX/XX/XXXX. 

Best, 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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to express my concern regarding an erroneous address listed on my credit report that has not been removed despite of my previous disputes. As per the Fair Credit Reporting Act, credit reporting agencies are required to correct or remove inaccurate information within 30 days of receiving a dispute.There should be only one address listed on my credit report.

Despite of my efforts and disputes trying to remove these old address the address still remains on my report. According to Sections 611 and 623 of the FCRA, consumers have the right to dispute inaccurate information, and credit reporting agencies must conduct a reasonable investigation. 

I respectfully request immediate attention to this matter. Please confirm the removal of the incorrect address from my credit file. I trust you will address this issue promptly to avoid further escalation. 
Incorrect address need to remove. 
XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'll XXXX Thank you for your immediate 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
Consumer complaint received 2024-12-24 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: MD

Complaint narrative:
Consumer Name : ( XXXX XXXX ) XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB XX/XX/XXXXXX/XX/year> ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer 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 consist of a Collections account. This account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer report. I have attached a list of the Collection Account in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. This aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case number- XXXX ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Subject : REQUEST LETTER TO REMOVE INACCURATE INFORMATION To Whom It May Concern, Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. $ 1681a ( f ), you are governed by the Fair Credit Reporting Act ( 'FCRA '' ). 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. {$1600.00} ( d ), to third parties.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ) ( breaking down the requirements of 1681e ( b ), and explaining that " assure ' means 'to make sure or certain : put beyond all doubt, '' ' [ maximum ' means the 'greatest in quantity or highest degree attainable [, ] ' and 'possible ' means something falling within the bounds of what may be done, occur or be conceived. '' ( quoting XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; XXXX ) comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3 ) should not provide consumer files to companies without determining that these companies had a permissible purpose to obtain consumer files pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: MO

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/year>, I contacted Chase Bank when I noticed an unfamiliar pending transaction for {$44.00} from " XXXX XXXXXXXX XXXX  on my checking account. 
Before the call ended, I asked the Chase rep., do I need to do anything elsethe repXXXX said " No '', you called before the transaction was processed, and she assured me the {$44.00} would not be processed. I received a claim number from Chase. 

I contacted Chase on Friday, XX/XX/year>, regarding a charge for $ XXXXclaim reveral reappeared on my checking account on XX/XX/year>. 

I was frauded by " XXXX XXXXXXXX XXXX XXXX '' and have not received any services and, became a victim by Chase debiting {$44.00} from my checking account. 

I am providing you with supporting documents. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: CA

Complaint narrative:
The Dept of Education through the XXXX XXXX XXXX XXXX XXXX informed me that as of XX/XX/XXXX I have made XXXX ( qualifying and eligible ) payments on my both my student loans. After XXXX ( XXXX ) and XXXX ( XXXX  ) years of payments, the government is supposed to forgive the remaining balance. Yet they have not done so. While I understand there is litigation on some student loan matters, the forgiveness is not in question. The XX/XX/XXXX year limit on repayment has been in effect for many years well before the SAVE and/or REPAYE/PAYE payment plans were ever created. I am eligible for forgiveness based on those rules and other rules that Congress enacted for anyone on an XXXX  payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
See the attached explanation detail letter of Scam/Fraud happened on XX/XX/year> with Coinbase crypto exchange firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: OK

Complaint narrative:
Prime example ask them to fix my report to provide me with a report and I disputed the score they are giving lenders a score of 4 and they send my twin brother a copy of his I'm so fed up with all XXXX  bureau s

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A generator was purchased using my debit card from XXXX XXXX. The box for this generator was sold already opened and the generator failed to start. 

When the generator was attempted to be returned 2 days later, XXXX XXXX rejected the return. 

When I filed a claim with Chase Bank, chase bank rejected the claim.

Company response to consumer: Closed with explanation