vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
MCM has called me from multiple numbers more then 7 times within 7 days. 

XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood wants to close/restrict my account and take back the 1 % bonus ( XXXX ) they offered my to XXXX in my account from another broker. 

Resolution I seek is that you ; a. Require RobinHood to allow me to keep my 1 % bonus.

b. Require RobinHood to waive their XXXX  Fee.

c. Require RobinHood to remove the restrictions from my account.

Details ; RobinHood offered me a 1 % bonus ( ~ {$7000.00} ), to XXXX in from another broker and open an account with them. The bonus offer does not stipulate you must have access to a cell phone. 
Before I opened account, I notified them I did not own a cell phone or a new digital camera for uploading photos. XXXX XXXX XXXX  have vision issues and currently a smart phone is not a good fit for me. They told me they hand a XXXX XXXX XXXX that I could use and I said did not need cell phone. They have at times allowed my to upload via eMail links and provided XXXX codes, but more times than not, they block my actions to log in from different PCs or withdraw any funds from even my fully verified PC. 
RobinHood has frequently blocked me from accessing my account, and at times impossible to withdraw any funds from my account. 
The bonus offer was such that as long as I did not close the account or transfer out my holdings in excess of what I put in the initial transfer, I could keep the 1 % bonus. 
RobinHood currently refuses to call me, and never allows me to call them. They currently will not allow me to chat, and when they do they frequently are unable to provide any support. They make it extremely difficult to eMail them. Over a week since I reported that they stopped allowing me the XXXX code verification service, they sent me an eMail that stated what I typed in below. 

From RobinHoods XXXX on XX/XX/year> " XXXX XXXX, Thank you for reaching out. My name is XXXX and I manage escalations here with Robinhood. Your case was escalated to me for further review and support. I understand you had a few inquiries that I can provide additional clarification to. After a review of your account, we will no longer be able to support you as a customer here at Robinhood. Please be advised that this is a final decision.

We reserve the right to close accounts in our terms and conditions. In regards to the login verification issues you are encountering, these are security measures in place that can not be bypassed. Additionally, the 1 % claw-back and XXXX  fee would not be waived. While the fees will not be waived, you will still be able to initiate an outbound account transfer without issue. 
Please let me know if you do have any additional questions or need any assistance in regards to the XXXX process if you do proceed with that request. 
Sincerely, XXXX XXXX ID : XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Tuesday, XX/XX/XXXX I went to visit a local branch location at a Bank of America to deposit a tax refund that I received for an amended tax return from XXXX. 

I had the teller deposit the check and received my deposit slip. The teller experienced difficulty with my debit card and sought assistance from another teller who helped her reset my card as customer service had incorrectly, unlinked my debit card. 

I was not told by the tellers that my deposited check would be placed on hold. I called the customer service because I did not see any confirmation on the mobile app that my check will have been deposited however, I did receive the deposit slip the customer service agent proceeded to tell me that my check had been placed on hold later that day. I received an email that said my check was placed on hold, and the reason was that they had reason to believe that the funds would be reversed, indicating that they believe the check was fraudulent. 

I have called the customer service and explained to them that as a long time Bank of America customer this doesnt make sense to me. I have deposited checks in the past before and experience no such hold. This particular check can be easily verified as legitimate by going to the department of treasury.gov public website and entering in the check details. 

The check is for approximately {$3100.00}. It has been over a week and I still dont have my funds. I want my funds released and an apology. They only thing they have done since is tell me next time do direct deposit. I hate to say it but I feel as though I have been singled out as a XXXX person banking. There is XXXX reason why the check would be held especially for a tax refund that can easily be verified.

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumer but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial-being. I am awre of my rights under the fair credit Reporting Act and request a thorough investigation into these inaccuracies, as required by law. Recently, the Consumer Financial Protective Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, viting " Sham Investigations '' and other unlawful practices. These practices, as outlined by CFPB, include : Conducting : inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inacurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a simular matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: OH

Complaint narrative:
I have found multiple accounts listed on my credit report that I have no association with, and I am alarmed by their presence. This is not only an error but a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am entitled to an accurate credit report, and these inaccuracies are impacting my credit. I request an immediate investigation into these discrepancies and expect them to be corrected swiftly. If this matter is not resolved satisfactorily, I will take legal action to enforce my rightsXXXX

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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Fraudulent activity took place on my Wells Fargo account. Starting on XX/XX/year> through XX/XX/year>, XXXX fraudulent/unauthorized withdraws have been taken from my Wells Fargo bank account and put into my XXXX ( XXXX ) account. The deposited ranged from {$25.00} to {$15000.00}, totaling approximately {$100000.00}. I originally received an email from XXXX on XX/XX/year>, stating some unusual activity on my XXXX account and that my account was locked. I reached out to XXXX through email to try and gain access to my account and see what was going on. Also, I check my bank account and became aware of the XXXX fraudulent deposits into my XXXX account. I immediately contacted my bank to lock my bank account, as well as XXXX to let them know what was going on as well as get the funds back. I exchanged emails with a person from XXXX named XXXX who was able to get me back into my FD account, where I could see the fraudulent deposits and an attempt at a withdraw. I was locked back out of my XXXX account. I have emailed XXXX multiple times since, but have not heard anything back. I am in need of help getting my funds back ASAP, being that my bank account was basically drained. I heard back from Wells Fargo today, XX/XX/year> and talked to a lady named XXXX and was told my claim has been denied and that I wouldnt be receiving any of the funds that were stolen out of my account. Wells Fargo let over {$100000.00} be withdrawn from my checking account in a 5 day period without doing as much as notifying me of this suspicious activity. As soon as I was made aware of the fraudulent withdraw, I contacted Wells Fargo immediately. Looking at my policy, I should have protection for up to {$250000.00} on my bank account for this type of thing. It says I have protection under the Zero Liability Protection as well as Regulation E. Please help me! Attached as screen shots of the fraudulent/unauthorized withdraws from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
XXXX Under code 15 u.s. code $ 16881n-Civil liability for willful noncompliance ( a ) any person who wilfully fails to comply with any requirement imposed under the subchapter with respect to any consumer liable to that consumer

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


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 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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I went to VyStar Credit Union and got a cash secured credit card around 2020 to repair my credit The cash secured amount was {$500.00}. 

Once I no longer needed the card I went into the local bank to cancel and receive the funds of estimated {$350.00} because I had {$150.00} in charges plus interest. They told me I couldnt cancel an I actually owed them money. I argued with XXXX XXXX, the assistant branch manager, but she wouldnt give me my money and wouldnt cancel the card unless I paid them. This made XXXX since to me. 

Recently, Ive been getting letters from legal firms asking me to pay over {$700.00}. Ive also noticed this is hurting my credit. 

I think VyStar should take the inquiry off my credit report, and pay me at least the {$350.00} that was the balance on my secured card. Its my money! 

The bank address VyStar Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Attn : 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 2025-02-19 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: MI

Complaint narrative:
I am a victim of identity theft and am disputing all fraudulent accounts, inquiries, and transactions on my credit report. I did not authorize or open these accounts, and they are negatively impacting my credit. I am requesting the immediate removal of all fraudulent items. Please update my credit file accordingly and confirm once the corrections are made. Thank you.

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 2025-02-19 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: MI

Complaint narrative:
I am a victim of identity theft and am disputing all fraudulent accounts, inquiries, and transactions on my credit report. I did not authorize or open these accounts, and they are negatively impacting my credit. I am requesting the immediate removal of all fraudulent items. Please update my credit file accordingly and confirm once the corrections are made. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
During the pandemic I had hardship due to loosing my job. I made accommodations with XXXX, and was assured the account would remain good standing during this time frame. Under the CARES Act, I was entitled to certain protections, including forbearance options and relief from adverse credit reporting for accounts in good standing prior to the pandemic. I requested that these late payments are removed from the accounts and updated. These late payments are severely affecting my ability to obtain credit and are violating my consumer rights. I sent in a dispute letter to Experian, I just received notification of the result of my dispute was that the late payments will remail on my account, but i feel a proper investigation wasn't done. I need to know who they spoke with because there's definitely notes in their system of me calling in and being on a payment plan.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
During the pandemic I had hardship due to loosing my job. I made accommodations with XXXX, and was assured the account would remain good standing during this time frame. Under the CARES Act, I was entitled to certain protections, including forbearance options and relief from adverse credit reporting for accounts in good standing prior to the pandemic. I requested that these late payments are removed from the accounts and updated. These late payments are severely affecting my ability to obtain credit and are violating my consumer rights. I sent in a dispute letter to XXXX, I just received notification of the result of my dispute was that the late payments will remail on my account, but i feel a proper investigation wasn't done. I need to know who they spoke with because there's definitely notes in their system of me calling in and being on a payment plan.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
During the pandemic I had hardship due to loosing my job. I made accommodations with XXXX, and was assured the account would remain good standing during this time frame. Under the CARES Act, I was entitled to certain protections, including forbearance options and relief from adverse credit reporting for accounts in good standing prior to the pandemic. I requested that these late payments are removed from the accounts and updated. These late payments are severely affecting my ability to obtain credit and are violating my consumer rights. I sent in a dispute letter to XXXX, I just received notification of the result of my dispute was that the late payments will remail on my account, but i feel a proper investigation wasn't done. I need to know who they spoke with because there's definitely notes in their system of me calling in and being on a payment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i brought this issue to experian numerous times. I want to delete my old credit acceptance account it was deleted at one point and then reinstated. that it a violation of the fcra and consumer laws.the accuracy of my reports are not update.

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 2025-02-19 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: IN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
Transunion, Equifax and Experian reporting XXXX XXXX {$6600.00} fraud account need to be removed. 

Transunion, Equifax and Experian reporting XXXX ( XXXX XXXX XXXX XXXX ) fraud account need to be removed. 

Transunion reporting XXXX XXXX XXXX XXXX {$18000.00} fraud account need to be removed. 

Experian reporting XXXX XXXX  {$9700.00} and XXXX XXXX  XXXX fraud acounts need be removed.

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