vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Incidents of fraud, data breaches and identity theft are becoming more rampant, I therefore legally request the DELETION of INACCURATE accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX & XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX XXXX CO on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX & XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX on XX/XX/XXXX ( Reported 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 explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Incidents of fraud, data breaches and identity theft are becoming more rampant, I therefore legally request the DELETION of INACCURATE accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. CXXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood is preventing me from closing my account and returning my funds to my original funding bank because I take issue with their selfie holding an ID for identification. Note that the restriction to my account was placed only after I funded the account with a second large fund transfer. At this point I merely want to close the account and not do business with them. When I requested for alternative way of verification they told me there are none and that I will not be able to get my money back unless I provide a selfie. Below are the sequence of the events. 


1 ) initial {$1000.00} deposit to Robinhood 2 ) Traded with the initial fund without issue 3 ) Transferred additional fund of {$38000.00} 4 ) Robinhood restricted my account without providing a reason and requested me to send a selfie holding an ID. Complied with all document request except for the selfing. Provided color copies of front and back of driver 's license, social security card, funding bank statements with my address. 
5 ) when I took issue with the selfie and requested to close the account they told me I can not close my account unless I provide the selfie to lift the account restriction. 
6 ) filed a complaint with SEC 7 ) Robinhood responded to the SEC complaint with the same request for a selfie. 
8 ) Replied Robinhood asking how they plan to close my account and returned my fund. 


If a selfie was the requirement to get the customer 's money back they should not have accepted my two inbound transfers at the first place. However to make it a requirement for account closing after funding is in effect holding the customer 's money hostage. 

In light of the recent hack attempts I do not trust XXXX with customer privacy and simply want my account closed and fund returned to the original funding bank. https : XXXX Nowhere in their term of agreement was a clear statement on the requirement for a selfie to close an account. At this point I'm unable to withdraw my fund to close the account due to Robinhood 's insistent for a selfies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results. This is unacceptable and needs to be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: FL

Complaint narrative:
Debt collector LTD acquisitions LLC has harass my job my home phone about a debt I never had with them they are in XXXX violations and Im plan to sue them if they dont remove debt and stop harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX Account Number : XXXX Ive been trying to get this inaccurate information removed. Please help!

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 2021-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I opened a XXXX credit card on XX/XX/XXXX approved for {$5700.00} Made a furniture purchase on XX/XX/XXXX for {$3700.00} XXXX on XX/XX/XXXX Product came damaged, we contacted the company the next day and they offered to exchange it. 
On XX/XX/XXXX XXXX scheduled appointment to pick and exchange furniture for the exact style undamaged but wouldnt get new items until XXXX. 
XX/XX/XXXX we received a single piece ( loveseat ) XX/XX/XXXX we received the remainder new set of furniture and it too was damaged. 
XX/XX/XXXX a third exchange for a single piece was delivered. 
After speaking with management and trying to get it right, we asked to fully return the product and they made arrangements to take all the furniture back to store. 
XX/XX/XXXX was original schedule date to pick up but changed to XX/XX/XXXX Management issued a full refund but somehow I still had a balance of {$130.00} that some how stayed on my account. The interest fees continued to grow. I spoke with XXXX from customer service and she was unsure why I still had a balance. 
I went to speak with the salesmen and Store Manager where I bought the furniture from. He ensured my balance was fully refunded. I explained that I am receiving bills that are racking up interest and late payments. 
I went back and forth with the store and customer service on this matter which was a long drawn out battle. 
My final balance was reported on my credit report at {$420.00} I then received a letter from TD Bank dated XX/XX/XXXX stating they received information regarding fraud. ( See attached Letter ) I then contacted TD Bank and explained that I am trying to understand why there is an amount of {$420.00} on my credit file and that no one has been able to assist me with this credit reporting. I received another letter from TD Bank dated XX/XX/XXXX from a XXXX XXXX XXXX and I have been calling her and all calls go to her voicemail. So I once again went back to the local XXXX store and received documents supporting my return of furniture. I compiled all letters, store reports, billing documents, etc. and sent it to TD Bank on XX/XX/XXXX via Certified Mail to XXXX XXXX. I have been calling the phone number listed on her letter XXXX and have no success in phone calls and no response to my written request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I filed a dispute with experian and I mailed additional information and they closed my dispute without receiving/viewing my mailed documents I mailed XX/XX/XXXX. 
This dispute was in regards to a XXXX XXXX XXXX which is financed with XXXX XXXX XXXX which is a predatorial financial institution and the XXXX on the loan is almost 29 % the vehicle was a lemon it literally broke down the same day the contract was signed it had a fuel line leak and I co-signed for the other person on this loan and we took the vehicle back to the dealership that we got the car from and I gave them a notice of cancellation for the contract which they disregarded and sent the car home with their technician of XXXX XXXXears and the motor blew and the dealership as well as the financial institution are refusing to cancel the loan it has gotten to the point where I had to file a restraining order on the person that I co-signed for and I included a bunch of documents for the dispute and Experian closed my dispute without receiving or reviewing the documents because they were just mailed last week and put the loan as remains status the financial institution for this loan has had many lawsuits for usury and the loan should have been cancelled the day after the contract was signed because I gave a notice of cancellation as well as the that the vehicle had mechanically were unacceptable be loan through XXXX XXXX needs to be removed off of my credit

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 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2021-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: International Computer Systems, Inc.
State: CA

Complaint narrative:
callback number XXXX called from XXXX got a message from " XXXX '' from unidentified business speaking of a " financial matter. '' didn't say anything about the business she was calling ( mine ) or the business she was representing. this scam dates as far back as 2017, clearly nobody has any intention of putting a stop to it. 
https : XXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have had this card for years and it has been set to autopay the minimum balance. I recently paid the card off and then when I started using it again it reactivated auto pay, but for the full statement balance of {$530.00} instead of {$25.00}. I called on the 22nd when I noticed the error but the payment had already started processing and they couldnt cancel it. When it went through on the 23rd I called again to be told that there would be an investigation but I would not get my money back for at least 7 days if at all. 

I would never autopay the full balance as I dont always know what it is because I use the card frequently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XXXX XXXX Stay from XXXX - XXXX {$1700.00} We had to stay an extra night due to the storms in XXXX which the hotel was aware of. 
We were essentially kidnapped from hotel that we believe was an inside job with the housekeeping staff. The morning of departure out of nowhere we were taken out of our room and arrested by the XXXX XXXX Our belongings/valuables were taken. We were put into a XXXX jail for XXXX days without food or water and held for ransom without contact with our family. They would only let us out if we paid cash, which we did not have on us. 

The " receipt '' I essentially received in my email from hotel does not match the amount that was charged onto my credit card. The credit card keeps saying that the charge is " valid '' and that I was reimbursed for the charge. They will not provide us any proof of why this charge is valid after asking multiple times. There is no reimbursement on any of the statements and there is no receipt for any reimbursement. Also when I first initially contacted chase- they could not even locate the letter they had sent me saying that I had been reimbursed. I am asking for the charge to be taken off of my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: NY

Complaint narrative:
I received a XXXX XXXX XXXX XXXX in the mail for an account around XXXX XXXX. 

I have never opened a Square account. This is a cause of fraud/identity theft. 

I contacted Square. Through XXXX conversations, and XXXX email exchange, I discovered that multiple accounts have been opened in my name, using my birthdate and social security number. I have not been able to get consistent answers about exactly how many accounts had been opened. 

On the phone with customer service on Wednesday XXXX XXXX, they told me 4-5 accounts had been opened in my name, and assured me that they had been " deactivated ''. I asked for confirmation in writing, and they said that would take 1-2 business days. I gave them my email address. 

I did not receive the confirmation, so I had an email exchange with customer service at Square that I initiated the following Monday XXXX XXXX. In this email exchange, the representative told me that they had " missed XXXX accounts '', but now all accounts were closed. They failed to respond to my followup inquiry about exactly how many accounts had been opened and closed. 

I then called customer service again on Wednesday XX/XX/XXXX. I was now told that there had been XXXX accounts opened in my name, dating back to 2013. XXXX were opened " recently ''. I was told that they weren't sure if they would be able to get me anything in writing confirming that the accounts were closed.

Company response to consumer: Closed with explanation