vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: CA

Complaint narrative:
Upon reviewing my credit report, I found multiple hard inquiries that I did not make. The unauthorized inquiries are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not provide consent for these inquiries, and I believe they violate my rights under the Fair Credit Reporting Act. I request a thorough investigation into these unauthorized inquiries and urge you to promptly delete them from my credit report. I expect the resolution within the legally required timeframe and appreciate your prompt attention to this matter. Please provide written confirmation upon completion of the investigation and removal of the unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to obtain my Equifax report from XXXX and XXXX. When it comes to obtaining my equifax report I receive an error code of NH or another message stating Equifax has no records of your credit report or different personal details for you on file. After contacting Equifax they requested I send over copies of my License, Social Security card, and a letter explaining my issue. I did so and requested they fix this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: SC

Complaint narrative:
Disparate treatment. 

They made it difficult to open the account. They wanted verification of income and identity. That was sent over XX/XX/2023, I have proof that I sent verification of the documentation. I also called to verify. 

I was already upset that I received a low credit offer and several of my XXXXn friends have XXXX, XXXX limits WITHOUT VERIFICATION AND A LOWER CREDIT SCORE.

I get a notice stating my account was closed. I called and the representative stated that she sees where the information was sent and it may not have got processed but theres nothing she could do. 

This is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
On XX/XX/2024 I reached out to Creditt payroll companies in regards to this alleged it? I requested an investigation for this collection, and I am still waiting for results. I am not familiar and I do not owe this collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
On XX/XX/2024, I opened an account with Robinhood. I transferred {$1000.00} by debit card to my account and then deposited {$12000.00} by wire from my bank account. These deposits were accepted by Robinhood as were the subsequent purchase transactions for XXXX. As soon as the XXXX was purchased, Robinhood restricted my account and removed my XXXX and my remaining cash from my account, also on XX/XX/XXXX, as shown on the monthly statement. I contacted Robinhood immediately and numerous more times during the subsequent XXXX  weeks. I explained repeatedly that those funds were for a dire medical emergency and needed to be sent immediately. For XXXX  weeks now they have ignored my pleas to release my funds. Now they say they will send me a check which I should get in another XXXX  weeks. Robinhood apparently has been using my funds/XXXX  and meanwhile, it has caused costly XXXX  interventions to try to keep the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Robinhood is responsible for these costs and will be held accountable for wrongful death. 

I am XXXX XXXX XXXX and Robinhood 's handling of my finances has been devastating. In addition, I was informed that I had to add more funds to a XXXX XXXX  connected to my Robinhood account in order to get my original funds. I had to send my bill money and borrow additional funds at high fees. Despite sending an additional XXXX XXXX it was still not enough but everything I deposited, Robinhood removed, even from my XXXX XXXX 

The person needing the XXXX remains in XXXX XXXX yet Robinhood won't return my funds to my bank account. This is a matter of life or death and Robinhood 's handling of this matter has been unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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:
I earnestly implore you to take immediate and decisive action to remove the fraudulent accounts 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 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
What I thought was a moving company, turned out to be a moving broker. I paid them an {$800.00} online deposit on XX/XX/year>, and canceled my order the same day. I've since reported the company to the XXXX and the XXXX XXXX. They responded to the XXXX  that they would reimburse me and send me a refund check. This was almost XXXX weeks ago. I have still not received my refund check from the company XXXX XXXX XXXX XXXX XXXX in XXXX, Florida. 

I asked for a refund in the XXXX cooling off period. I'm also a senior citizen and can not afford to lose {$800.00}, as I am on Social Security. 

I contacted my bank, Chase and they informed me that since I authorized the check I had to reach out to the company. I contacted Chase again once the check cleared and was told that they couldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Broward Adjustment Services
State: TX

Complaint narrative:
I received a notice regarding an alleged debt. Reference number XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, informed me that I owe {$60.00} and it needs to be paid by XX/XX/XXXX. However, the letter lacks crucial details and transparency. 

Firstly, the communication fails to specify the date of service and the original debt collector 's name. It merely mentions XXXX XXXX XXXX After thorough examination of my insurance Explanation of Benefits ( EOB ), I confirmed that I had only XXXX XXXX XXXX  which was XX/XX/XXXX. Both my insurance and I settled the payment for that service in full at the time of the visit. 

Moreover, I have not received any prior calls or invoices itemizing the purported {$60.00} debt. The lack of detailed information and transparency in your communication leads me to question the legitimacy of this collection attempt. 

Please provide a detailed breakdown of the debt, including the date of service, the original creditor 's name, and any relevant documentation to support your claim. Failure to do so will only reinforce my belief that this collection attempt is fraudulent and unjust. I do not have collections and I always pay my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
On XXXX Called 3 times repeatedly shortly after XXXX XXXX. 

Called again at XXXX from a blocked number- gave lawyer information ( name and phone number ) told them that they need to speak to my lawyer. Started raising voice with me, stating that I was being uncooperative. Despite the fact that I had given the only information that should have been needed several times, as I had to keep repeating. 

Caller proceeded to call 3 more times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
text came from XXXX at XXXX am says wakefield and associates a debt cllector.password is XXXX digit zip code, reply help for info or to stop to end. the link was XXXX??? i verified link and its for selling the web site for XXXX dollars???

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I received a check in the mail and then continue to go online at Chase XXXX Bank and then use the check cashing service to cash the check into my Chase checking account which let it be pending and then it took it out and said it was returned not authorized and now they're closing my accounts with no reason why said I would receive a letter in the mail explaining what happened this is going to cost me time and money cuz I have these accounts linked when this is no fraud or scheme of my own but on something of their own company or check cashing service that done this that I had no control over

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: VA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple & repetitive derogatory marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: VA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple & repetitive derogatory marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
HALSTEAD FINNACIAL SERVICES, for the last month or two have been sending me harassing emails for a debt that I do not owe to them. I don't know who they are, I have no contract with them, I never received any services or goods from them. I also have not given them express written consent to have any personal identifiable information of mine. HALSTEAD FINANCIAL Is a 3rd party debt collector who bought this debt from another debt collector, who from the original creditor illegally gave them my personal non- public information to these 3rd party debt collectors who have been using the mail and email to harass me and send threatening letters to me with information they should not have. Mail correspondence through certified mail, along with a affidavit along with this complaint were sent to this 3rd party debt collector. Attached is all applicable documents and all harassing/threatening correspondences. In addition this debt was satisfied with the original creditor XXXX XXXX according to UCC 3-603/3-311, which they redeemed the tender of payment making the debt satisfied. Not only are they violating my rights to privacy, they are also trying to force me into a contract with a 3rd party debt collector who I do not have a contract with, and did not receive any service of goods from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: IN

Complaint narrative:
As far as I understand, FCRA 605B mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling upset and unwell. Your help with this matter would be 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 non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Denial & TransUnion Reporting - Rental Application XXXX  : XXXX To Whom It May Concern, I am writing to formally dispute the decision of denial regarding my application with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also am reporting TransUnions unjust denial and overall incorrect credit reports that has inflicted significant damage upon my financial, mental, emotional, and physical well-being and placed my familys housing situation in jeopardy. 


Updated message ; I have became homeless for approximately 5 months now. I have lost peace and sanctity in my marriage because of not being able to provide housing, although I have the funds and good credit. 
Although I have great credit with other bureaus and saved adequate money, Transunion continues to neglect to correctly update and report the widely used transunion tenant screenings. Resulting in my family and I falling deeper into homelessness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My husband and I took out a HELOC in XXXX with Wells Fargo. At the time, we were approved and locked in at around 7.87. A few days before the signing the documents, Wells Fargo raised the rate to 8.75 or so. We had no choice because we were purchasing another home that required this HELOC to fund the sale. 
Fast forward with the financial meltdown on our business in XXXX. We found ourselves in a financial crisis in XXXX. We turned Wells Fargo for the next several years to get a modification on our second to no avail. I was getting the runaround from them. Constantly sending documents, faxes and phone calls to Wells Fargo unanswered. Promises made by Wells Fargo and documents list. 
On XX/XX/XXXX my husband and joined in a Class Action Lawsuit against Wells Fargo. Wells Fargo failed to help us in the year XXXX on a modification we desperately needed at the time on a HELOC. Wells Fargo gave us the runaround up into XXXX. When we had no choice but to file XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: IN

Complaint narrative:
As far as I understand, FCRA 605B mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling upset and unwell. Your help with this matter would be 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 2024-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PACIFIC PREMIER BANCORP, INC.
State: CA

Complaint narrative:
I emailed numerous times and called customer service of Pacific Premier Bank to request my 1098 's, which are due XX/XX/XXXX. The bank told me that they do not mail 1098s unless requested. We requested numerous times by email and by phone and have not yet received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: NJ

Complaint narrative:
I sent a letter to XXXX XXXX and they have not responded or rectified the issue. 



Late payment from XX/XX/2019 is reporting and not in accordance with the provisions outlined in the 15 U.S. Code 1681a.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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