vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Since XX/XX/year> I have been sending ROBINHOOD support messages regarding several unauthorized transactions on my statement that date back to XX/XX/year>, thru the end of XXXX. EVERY transaction listed as XXXX should be disputed. These were made by a minor child ( XXXX XXXX XXXX  Who accessed my device by guessing my pin and using financial information which was stored by the XXXX website. 
No screening was required by the website to ensure the person making these charges was indeed the person authorized to make these charges. Also this was a minor, placing charges on a gaming website intended for adults who are XXXX. The website should require proper identification to ensure a minor isn't accessing the site or that the person making charges is the actual authorized card holder. These are all transactions listed as XXXX. Robinhood has made reporting these UNAUTORIZED charges nearly imposiible. However I have indicated in each of my support contacts, starting on XX/XX/XXXX, that I was disputing all charges from XXXX as unauthorized charges. AS SUCH, ACCORDING TO ROBINHOODD OWN TERMS AND CONDITIONS, AS WELL AS BANKING REGULATIONS PROTECTIONS, I SHOULD HAVE ALREADY RECIEVED PROVISIONAL CREDITS FOR THESE DISPUTED TRANSACTIONS, AS THERE HAS BEEN NO RESOLVE FOR THESE AND I SHOULD HAVE BEEN AWARDED TEMPORARY PROVISIONAL CREDITS. I have every right to dispute transactions regardless of my account status. I expect an immediate credit be issued for the transactions I have reported. There should be no more delay in the credit being issued as I've already submitted the claim more than XXXX days ago. The case number from Robinhood support is Case Number : XXXX. I am also including my ROBINHOOD SPENDING ACCOUNT transaction reports for XXXX THRU XXXX for reference. The transactions colored RED ( XXXX ) are the items being disputed, and are the items I have reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not my information related to any transaction by me as the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: MI

Complaint narrative:
I recently looked at my credit profile and there were several inquiries I did not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 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 XXXXXX/XX/XXXX Experian 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 XXXXXX/XX/XXXX Experian 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

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 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX my account was a target of a scam. The scammer looked like a legit business and requested my account information, which I provided. 
The scammers drained my account until it was overdrawn. I voiced the issue with my bank at the XXXX XXXX XXXX a bank employee said I just needed to close the account and open another one. 
Days later, I received a call from Chase that said the employee was wrong and I can't open another account with Chase for XXXX years. 
More than XXXX years later, I tried to become a co-signer on a Chase account and was told the previous employee was wrong and XXXX banned for life from having a Chase account. 
I would like this straightened out and be able to bank with Chase again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2024, I applied for the Chase XXXX XXXX XXXX Credit Card through the following link : XXXX XXXX XXXXchase.comXXXX  At the time of my application, the advertised sign-up offer was for 5 free nights. 

However, upon receiving the credit card, I noticed that my sign-up bonus was incorrectly listed as XXXX points instead of the 5 free nights that I applied for. Since XX/XX/XXXX was the final day before the previous offer expired, I believe there was an error in processing my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: CA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: CA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
( 1 ) XXXX XXXXXXXX # XXXX THIS ACCOUNT IS REPORTING AN INACCURRATE BALANCE AND REPORTING DATE .IT IS A CHARGE OFF. I ASKED FOR SIGNATURES AND DOCUMENTS FOR THE ORIGNAL CONTRACT. I NEVER RECEIVED ANY PROOF. IT COMES BACK VERIFIED EVERYTIME. 
( 2 ) XXXX XXXX XXXX. WITH THIS ACCOUNT I HAVE DISPUTED AND ASK FOR THE ORIGNAL CONTRACT AND THE METHOD OF VERIFICATION. MY INVESTIGATION COMES BACK VERIFIED WITH OUT ANY PROOF OF HOW IT WAS VERIFIED. 
( 3 ) XXXXXXXX XXXX XXXX XXXX THIS ACCOUNT IS INACCURRATE AND IT WAS SOLD TO XXXX  XXXX XXXX IS A COLLECTION. BOTH OF THESE ACCOUNTS ARE REPORTING THE SAME DEBT. THE REPORTING IS INACCURRATE ON XXXX AND XXXX NOTHING MATCHES UP ON THE REPORTING. PLEASE DELETE ( 4 ) XXXX THIS ACCOUNT IS REPORTING INACCURRATE DATE OPEN. DATE OF LAST ACTIVITY ON XXXX AND XXXX EVERYTHING IS INACCURATE REPORTING NOTHING IS THE SAME. I ASK FOR THE METHOD OF VERIFICATION.I WAS NOT GRANTED ANY PROOF OF HOW THEY VERIFIED THE ACCOUNTS. ( 5 ) XXXX XXXX XXXX XXXX THIS ACCOUNT IS A CHARGE. IT IS REPORTING INACCURATE DATE OF LAST ACTIVITY. DATE OPEN WITH XXXX AND XXXX NONE OF THE REPORTING IS THE SAME. I ASK FOR ORIGINAL DOCUMENTS AND PROOF OF HOW ITS VERIFIED, THEY NEVER SEND ANYTHING. IT COMES BACK VERIFIED. IF THESE COMPANIES CAN NOT PROVIDE ANY DOCUMENTS OR ANY PROOF. I WOULD LIKE THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: NV

Complaint narrative:
Below is the letter i sent to the company and the reporting third party companies Transunion and XXXX, This letter is to inform you that XXXX is in violation of multiple laws set forth by Congress 15 USC 1681 in reporting information solely as to transactions or experiences payment history, charge-off status, between the consumer, which is me and the person which is XXXX. 

Per the FRCA as a federally protected consumer, I am now opting out of all authorization I the consumer unknowingly gave you, written, unwritten, verbal, and non-verbal per the 15USC 6802 and 16CFR 313.7 effective immediately and indefinitely to report my information to a third party, and non affiliates such as Transunion, and XXXX. That is a violation of The Privacy Act of 1974. 

Also on my report this account is reported as a charge-off in the amount of {$590.00}. Charge -offs are sold to a third party debt collector which is considered a certificate of indebtedness, according to the IRS Publication and once it is sold the debt no longer belongs to me and it is considered income. A charge off is Income and income can not be reported on a consumer report. Yet I have not received a 1099C regarding this account that your company has filed on my behalf, so I can do my taxes properly. 

Update the account as paid as agreed and send the 1099C that your company filed to the address above. 

Also there are several inconsistencies which is another violation with the dates of last activity, and the dates of when the account was opened. According to 15USC 1681, the purpose of the Fair Credit Reporting Act is to be accurate and fair and it definitely isnt either. 

Update my report with the above laws, correct this Charge-off account, and or remove it from my report. 

This company has not responded but continue to report misleading and false information I request the CFPB to investigate this matter thoroughly and take appropriate action for their many violations of federal statutes.

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 2024-10-14 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: NV

Complaint narrative:
Below is the letter i sent to the company and the reporting third party companies XXXX and Experian, This letter is to inform you that XXXX is in violation of multiple laws set forth by Congress 15 USC 1681 in reporting information solely as to transactions or experiences payment history, charge-off status, between the consumer, which is me and the person which is XXXX. 

Per the FRCA as a federally protected consumer, I am now opting out of all authorization I the consumer unknowingly gave you, written, unwritten, verbal, and non-verbal per the 15USC 6802 and 16CFR 313.7 effective immediately and indefinitely to report my information to a third party, and non affiliates such as XXXX, and Experian. That is a violation of The Privacy Act of 1974. 

Also on my report this account is reported as a charge-off in the amount of {$590.00}. Charge -offs are sold to a third party debt collector which is considered a certificate of indebtedness, according to the IRS Publication and once it is sold the debt no longer belongs to me and it is considered income. A charge off is Income and income can not be reported on a consumer report. Yet I have not received a 1099C regarding this account that your company has filed on my behalf, so I can do my taxes properly. 

Update the account as paid as agreed and send the 1099C that your company filed to the address above. 

Also there are several inconsistencies which is another violation with the dates of last activity, and the dates of when the account was opened. According to 15USC 1681, the purpose of the Fair Credit Reporting Act is to be accurate and fair and it definitely isnt either. 

Update my report with the above laws, correct this Charge-off account, and or remove it from my report. 

This company has not responded but continue to report misleading and false information I request the CFPB to investigate this matter thoroughly and take appropriate action for their many violations of federal statutes.

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 2024-10-14 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: AL

Complaint narrative:
I am writing to express my concern regarding the unresolved inaccuracies on my credit report. Despite multiple requests for a thorough investigation of these disputed accounts, no corrective action has been taken, and the errors continue to harm my credit file. These inaccuracies are causing significant personal and financial hardship. 

I kindly request that you conduct an immediate and comprehensive investigation into the disputed accounts. It is crucial that my credit report is updated and corrected without further delay to restore its accuracy and integrity. I trust you will treat this matter with the urgency it deserves. 

Thank you for your prompt attention and assistance in resolving this issue.

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 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous items on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my credit report. 

Account # XXXX : XXXX XXXX XXXX Account # XXXX : XXXX XXXX XXXX Account # XXXX : XXXX XXXX XXXX Account # XXXX : XXXX XXXX Account # XXXX : XXXX XXXX XXXXXXXX I am absolutely certain that the items I disputed are incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question immediately removed from my credit report. Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Previous Complaint Number : XXXX Debt Collection Agency, Genisis, continues to violate and engage in unfair practices that violate the Fair Debt Collection Practices Act ( FDCPA ), including : Misrepresentation that they was contracted to collect on an alleged debt / joint account by XXXX XXXX XXXX XXXX XXXX. ( This contract must comply with relevant laws, particularly the Fair Debt Collection Practices Act ( FDCPA ) According to XXXX, XXXX, XXXX XXXX, there are no such contracts and there would be no collection agency hired by XXXX XXXX only by their XXXX XXXX XXXX  . The Rental agreement was fulfilled on XX/XX/XXXX. 

on XX/XX/XXXX Complaint Number XXXX was filed. On XX/XX/XXXX the Collection Agency Responded stated : However, the debt still exist on your ALL XXXX Bureaus and XXXX  Thiis appears to be another unfair practice and attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that need to be removed are listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that need to be removed are listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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 have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation