vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COMMERCE BANK
State: MO

Complaint narrative:
I arrived at the bank, requested a cash withdrawal of XXXX. Bank teller, XXXX XXXX, asked what it was for, I advised it was for a private cash transaction and to keep in private cash reserves. She asked what transaction, I advised it's not her business. She contacted a corporate fraud investigator, XXXX? XXXX who I spoke with on the phone. The investigator authorized the release of the funds and advised that the bank had the funds on hand. 

XXXX went to the back of the bank, laughed, then returned to tell me she would not be releasing my funds because she didn't like my attitude, I was not answering her questions, ( even though the investigation team authorized the release ) and proceeded to get hostile and demand I leave. 

XXXX minutes of jumping through hoops to access my cash she decided I couldn't access because of my " attitude ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: DE

Complaint narrative:
This collection company has broke the law but placing a fraudulent account on my credit Report within giving me a five day notice to verify if this account is legitimate. 


I do not have a written contract with this company where they say how old is alleged that I asked them to produce debt validation statements are not acceptable I also request a forward flow agreement and or purchase agreement that lets me know I owe this alleged that if this can not be produced this shall be deleted from our credit report immediately see attachments below. 

I fully intend to sue this company for placing a false account on my credit Report. Experian and XXXX you are to remove this account immediately.

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 2024-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was looking to get new home insurance company but I am being denied home insurance because state there are too any inquiries on your credit report. I pull my credit report from tranunion XXXX reporting agency and there were 84 inquiries by transunion in one year and 67 by XXXX in one year. Transunion could nit explain why this is being done since I have only made one credit purchase for finance in XX/XX/year>2024. These inquiries need to be removed. It causing me hardship to get jome insurance.

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 2024-11-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Verification Request as Per the Fair Credit Billing Act Dear XXXX  XXXX, I am reaching out to address an issue regarding an account that appears to be erroneously linked to me as an authorized user. In light of this, I am exercising my rights under the Fair Credit Billing Act ( FCBA ) to demand a comprehensive investigation into this matter. 

Account Information : XXXX XXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts I request a detailed record of all transactions related to this account, encompassing charges, payments, and any adjustments. Access to this information is essential for confirming the inaccuracy of the account 's reported association with my financial identity. 

If you are unable to provide the necessary documentation within 30 days of receiving this letter, I respectfully request that this account be removed from my credit reports with all reporting agencies. Such a measure is in line with your duty to ensure the accuracy of reported credit information. 

Thank you for your immediate attention to this request. I am eager to see this issue resolved swiftly and am hopeful for your prompt cooperation. 

Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: GA

Complaint narrative:
Equifax did a 30-credit report update on my account as of XX/XX/2024 and dropped my credit from a XXXX to a XXXX and stated the reason that had account balance on my account with balance that had already been paid of 10 days or more. 


They are showing a XXXXXXXX XXXX account ending in XXXX with a balance of {$200.00}. And they account was paid in full as of XX/XX/2024.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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:
On XX/XX/year> two illegal transactions were place on my robinhood account where an unknown entity unrelated to me was able to liquidate all of my assets on robinhood without any of my consent and then deposited all of the cash that was legally mine ; {$6900.00} of my money into a bank card ending in XXXX into a checking account all of which I never authorized. 

When I spoke to robinhood they put me through an awful months long process where they said they were going to help me address the theft, but it was a complete unethical process in which they never investigated and they restricted my account and made it more difficult for me to conduct my own investigation of how to get my stolen money back. I was given multiple case numbers, told to sit for multiple phone calls where they asked me the same questions not directly related to my case, gave me the run around, and ultimately they closed the investigation without ever discussing the status of the case or how an unknown bank account was able to drain my cash from my robinhood ( connected to my personal bank and SSN ) without my permission. 

It has been months and robinhood has completely stopped responding and I never had a direct point of contact and was update on what happened. I also reported them to FINRA, SEC, and now I will report to the FBI.

They lied about the details of thier investigation in both a FINRA and SEC report. I have spoken to thousands of people who have had this experience with them of robinhood restricting their account after money is stolen, and then giving the victim the run around ultimately to never help them receive their funds back. 

Robinhood is illegally earning peoples trust and allowing theft on their platform and only further hurting the victims by stalling investigations and keep their platform a safe place to commit theft and steal from their costumers. Robinhood has violated all of their guiding principles and protect criminals who steal from hardworking civilians who use their platform for trading and storing cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: TX

Complaint narrative:
I'm reaching out about an account on my credit report that was charged off. I've noticed that this account is still being updated every month as " charged off '' but with an active payment history, which doesn't make sense. A charged-off account shouldn't have any payments showing up.

It looks like this hasn't been correctly fixed, and it's really hurting my credit report. I've tried contacting the creditor. While this account was removed from other credit bureaus it is still showing and updating on yours.

Could you please remove this account from my credit report as soon as possible? I'd really appreciate your help with this. 

Account : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: TX

Complaint narrative:
I'm reaching out about an account on my credit report that was charged off. I've noticed that this account is still being updated every month as " charged off '' but with an active payment history, which doesn't make sense. A charged-off account shouldn't have any payments showing up.

It looks like this hasn't been correctly fixed, and it's really hurting my credit report. I've tried contacting the creditor. While this account was removed from other credit bureaus it is still showing and updating on yours.

Could you please remove this account from my credit report as soon as possible? I'd really appreciate your help with this.

Account : 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 2024-11-09 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: GA

Complaint narrative:
I noticed fraudulent activity when my XXXX XXXX was reduced by XXXX points after an unusual credit card was taken out using my credentials XXXX. The company is XXXX XXXXXXXX. I live in XXXX This company doesnt even have stores close to XXXX XXXX I attempted to cancel this card with the company itself and they could not cancel it since I didnt have the account number. Since this is fraud, I dont have the credit card or the account number information to cancel it. 
I disputed this with TransUnion and they said its all correct and not fraud. 
This is fraud. I can not even cancel this card apparently in my name since I dont even know have access to the account. 
So whomever opened this account and already spent XXXX $ on it gets to continue using this card since this account can not be closed since I dont have access to it but yet everything is in my name.

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 2024-11-09 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: GA

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. 

Account Name : XXXX/DEPT OF ED Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX and list of Inquiries 15 U.S.C 1681 section 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 a 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 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 non-monetary relief
Consumer complaint received 2024-11-09 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: GA

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. 

Account Name : XXXXDEPT OF ED Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account NumberXXXX and list of Inquiries 15 U.S.C 1681 section 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 a 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 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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
To Whom it may Concern, Hello I am XXXX XXXX XXXX, for the last almost XXXX years i have dealt and continue to deal with identity problems. Being denied any and every access to certain help, assistance, and funds. In XXXX i was at XXXX based XXXX for recovery or in my own words a reformation camp, ( XXXX XXXXXXXX XXXX XXXX  Since then, medical records have been accessed, never received information on any of the funds or money " invested, '' and also denied certain accessibility to funds/assistance. I am one of many that did not conform to their ways, politics, and quite frankly their religion. I was told that i had XXXX tendencies and was placed in different sitting at church and also not allowed a roommate. My mother who is now deceased was not allowed to come to the door because she was not a full believer of their faith. This is just one of many associated things I have gone through. I am now receiving letters for the XXXX year of medical records being accessed. Also most recently received a letter from XXXXXXXX XXXX that they can not verify my Identity.

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 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Account opened : XX/XX/XXXX Account charged off : XX/XX/XXXX Balance : {$2300.00} Actions taken by me : I filed a dispute but their was no action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I have two collection accounts with XXXX XXXX on my credit report. I have sent several letters to XXXX disputing these accounts and they have not responded in the allotted 30 days required by law. It looks like these accounts are from an old XXXX account that I previously had but Im not sure because there is no account number to reference. I have reached out to them by phone and online with no results. I had to move from my old address at XXXX XXXX XXXX because they tore down the building and at that time I returned all equipment because my new building did not have the XXXX XXXX XXXX XXXX in the building. 

I have sent out several letters to XXXX with no response, so i did some research and concluded that I should contact your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
My car loan is no longer being reported to my credit report. It was before, but is no longer there. I still have the car loan and I am still paying on the car loan. I called XXXX XXXX XXXX, that's who my loan is through. They told me they escalated to the credit bureau and someone would call me back in 3 business days. 4 business days passed, I thought maybe they were behind. I called back and they said everything looks normal on their end and they can see my car loan on my credit report. I tried to go trade my car in, the dealership told me there is not car loan on my credit report. XXXX will not call me back and Everytime I call them, they just respond with someone will be in touch or I'm sure it will be reported at the end of the month. It's going on 3 months now.

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 2024-11-09 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: NY

Complaint narrative:
I am reaching out to address an issue regarding an account that appears to be erroneously linked to me as an authorized user. In light of this, I am exercising my rights under the Fair Credit Billing Act ( FCBA ) to demand a comprehensive investigation into this matter. 

Account Information : XXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts I request a detailed record of all transactions related to this account, encompassing charges, payments, and any adjustments. Access to this information is essential for confirming the inaccuracy of the account 's reported association with my financial identity. 

If you are unable to provide the necessary documentation within 30 days of receiving this letter, I respectfully request that this account be removed from my credit reports with all reporting agencies. Such a measure is in line with your duty to ensure the accuracy of reported credit information. 

Thank you for your immediate attention to this request. I am eager to see this issue resolved swiftly and am hopeful for your prompt cooperation. 

Kind regards, 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 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I filed this complaint and the company made an insufficient response and the case was closed inappropriately. 


I am signed up for Wells Fargo XXXX XXXX and the company continually sends my account negative despite the funds being readily available in my savings account. The company claims this is due to their system being unable to always recognize the SCHEDULED direct deposits from my employer. Because I of this fault in their system the company will show available deposits as early as Wednesday but they will then change my account to negative overnight on Thursday before then switching it back to positive on Friday because now the deposit is completed. 

The issue is that this does not align with their own policy. This is not a free service to my memory and they set the policy and they are the ones breaking it at my expense with no apology or regard for the damage caused. Being that Wells Fargo has a history of being predatory towards its own customers I can only imagine how many others deal with this issue.

Per Wells Fargo website : Help Avoid Overdrafts with Overdraft Protection Set up optional Overdraft Protection to avoid the inconvenience of declined transactions and overdrafts. 

You can link up to two eligible Wells Fargo accounts ( one savings, one credit ) to authorize or pay your transactions if you don't have enough available money in your checking account. We will transfer or advance available funds from your linked account ( s ) automatically to cover your transactions. 

XXXX XXXX covers most transaction types including, for example, ATM and debit card transactions, checks, XXXX XXXX, and recurring electronic payments. 


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