vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please remove this account from my credit report. They are hurting my ability to obtain credit. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please remove this account from my credit report. They are hurting my ability to obtain credit. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-15 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: NC

Complaint narrative:
I'VE SENT SEVERAL LETTERS IN REGARDS TO THE INACCURATE LATE PAYMENT BEING FURNISHED TO MY PROFILE. IT HAS BEEN OVER 30 DAYS SINCE THE LAST REQUEST AND I HAVE YET TO RECEIVE A RESPONSE. THE LATE PAYMENT FROM XX/XX/year> HAS TO BE A COMPUTATION ERROR AS I HAVE NEVER BEEN LATE. 

ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. 

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. 

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
We can not access or acount money in our robinhood accout for 3 months now. We tried to transfer money in XXXX but were unable to transfer funds because i made a mistake. They sent a message that they restricted my account do to suspicious activity. That was in XXXXXXXX XXXX XXXX  Then they sent me forms to fill out for cryto accounts and answer questions about fraud and who did have a transaction with. I told them i tried to transfer money from my robinhood accout into another account. They told me my account was under review and had to wait. I then requested help by phone, no call, they sent another form with the same question, just asked differntly. I have filled out three questioniers, but account still locked. So we tried to close our account and send the money back to our original bank account then they said Robinhood is closing our account. So we tried to transfer money into my debit card same thing your account has been restricted. Now Robinhood said they are closing my account without letting me transfer the money back to bank.I WANT MY MONEY BACK ITS BEEN 3 MONTHS OR LONGER THAT XXXX DOLLARS HAS BEEN HELD HOSTAGE BY THEM..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am formally disputing the following inaccurate and unverified accounts that have been reported across TransUnion, Experian, and Equifax. These accounts are erroneous, falsely reported, and have not been properly validated per the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have identified discrepancies and accounts that I never authorized or agreed to, particularly those from collection agencies that have failed to provide proper validation for the alleged debts. Below is a comparison of the accounts that require immediate investigation and removal : Accounts in Dispute TransUnion XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX 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 XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax 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 2025-02-15 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX 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 Dispute of Liability, Unlawful Communications, and Non-Compliance I am writing to formally dispute the liability and claims associated with my personal information in relation to your company. This letter serves as a notice of my concerns regarding the following issues : 1. Civil Liability for Negligence ( Code 16810 ) I am disputing any claims of negligence or civil liability under Code 16810, as I have never given written consent for the furnishing or obtaining of my personal information. To date, I have not authorized any actions that involve sharing my private information or accessing it without my explicit written permission. 
2. Violation of 15 USC 1692c - Unlawful Communications In addition, I assert that actions violate 15 USC 1692c, which governs the rights of individuals concerning unlawful communications. Specifically, I have not provided consent for communications regarding my personal or financial information. Further, your company has engaged in actions that directly violate my rights under this law, as I have not authorized or agreed to any correspondence of this nature. 
The above actions not only infringe on my rights but also result in a breach of privacy and potential harm. I request that you provide written confirmation that you have ceased all communication and interaction related to my personal data, as well as an immediate cessation of any unlawful communication practices under the aforementioned law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA

Complaint narrative:
I am trying to get help from my mortgage investor, I am asking for a 6 month repayment plan, I was told that they will not help me by my mortgage service. I have tried 2 times to contact my investor by email and have not heard anything from them. I was told they will only approve a 3 months repayment plan, because I am in foreclosure which has been on hold for a year. I dont have the amount of money that my mortgage service wants for a 3 month repayment plan, but I can put down XXXX on a 6 month repayment plan. I just need this Bank to contact me but so far they have ignored both emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I attempted to access XXXX XXXX ( around {$170.00} ) from an ATM in southern XXXX. The ATM dispensed XXXX XXXX ( around {$28.00} ) and then displayed a message that the ATM was not working. ( see photos, and translated image ). I subsequently saw that CHASE bank had charged me the full {$170.00}. I decided to wait until I got back to the XXXX to call CHASE so as not to incur further expenses in phone charges. 
When I returned, after XX/XX/XXXX, I attempted to request my money back online, and uploaded images of the error code, but when I did not hear back I called CHASE. CHASE initially returned my {$140.00}, but then sided with the the financial institution in XXXX ( see letter dated XX/XX/XXXX ). I tried to resubmit my complaint, but CHASE again denied the claim. When I complained a representative from CHASE said that my evidence ( the photos ) were in a foreign language and I should have translated the image! 
I have been a CHASE customer since XXXX and I even have been paying into a mortgage with them for more than XXXX  years!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
i'm a victim of identity theft, computer intrusion, hacking, bank and mail fraud. I received a receipt via email regarding a crypto currency purchase through paypal. I have never purchased crypto currency and I dont have a paypal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXXXXXX XXXX XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I was put on the new program Start for forgiveness, then after paying the {$50.00} a month once or twice and XXXX started taking over in office the court system has once again failed the lower income class and said no more forgiveness. This loan was over 20 years ago I never even got to use the certificate I got from the school and people actually get hired everyday for the job of XXXXXXXX XXXX XXXXt without going to school or being stuck {$7500.00} dollars in debt it is an entry level position that anyone can do with on the job training. Not to mention the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the instructor that was hired to teach my class has XXXX and some other learning XXXX XXXX  so her teaching methods and notes were disorganized and a mess. My mom also had half my loan because at the time I was only XXXX and it was required for her to be responsible for half of it and that was paid off 20 years ago. So they got {$3500.00} and that's an over payment for that schooling that did nothing to bring me a better life or brighter future now this on my credit report has done nothing but cost me buying my first house to keep a roof over my kids head and heartache. If I could I would go back and never of went to that ridiculous school I'm asking that it is finally removed from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: Transform Credit 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 XXXXXXXX {$520.00}, XXXX XXXX  {$3100.00}, XXXX XXXX XXXX {$40.00}, XXXX XXXX {$18000.00}, XXXX XXXX XXXX {$30.00}, XXXX XXXX XXXX {$53.00}. XXXX XXXXXXXX XXXX {$1000.00}, XXXX XXXX XXXX {$810.00}. Has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 168c. ( 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 and crimes which antedates the XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
NSF CHARGES {$29.00} I have overdraft fee protection but it doesn't work

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-15 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 explanation
Consumer complaint received 2025-02-15 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 2025-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
In XXXX I noticed a fraudulent charge that I did not recognize and I do not even know who the merchant is. I disputed the charge and it was reversed, but they billed again in XXXXXXXX XXXX XXXXXXXX as a recurring charge. I asked Chase to block the charge as I had never set up the recurring payment in the first place. They wanted me to talk to the vendor which obviously I can not do because I don't even recognize the name on the charge. It is something weird like XXXX XXXX. I want them to refund me for the charges and block this merchant from ever charging me again but they refuse. They said I could lock my card but it would not stop recurring charges, and of course this is a recurring charge ( albeit one I did NOT AUTHORIZE ). They also won't accept anything in writing and only want phone calls but I want it all in writing so I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX I went to Bank of America to withdraw {$1000.00} from ATM machine. But the machine shows the transaction was cancelled and the money not coming out from the machine. I tried it twice and still no money coming out. Then, I checked my online bank account and it showed that the money has been received. Then, same day I called the Bank of America to file a claim and they said wait for 2-3 business days to receive the {$1000.00} credit from the money that was supposedly withdrawn. But, I called back in two weeks and based on their investigation on the video, they made their decision that the money was withdrawn.

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 2025-02-15 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: FL

Complaint narrative:
I am writing to formally file a complaint and request the removal of inaccurate and unverifiable information from my credit report. The following accounts have been reported as charge-offs on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report, I noticed that these accounts were reported inaccurately. I exercised my right under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i to dispute the completeness and accuracy of these accounts with the credit bureaus. However, the dispute results indicated that the accounts were " verified '' without providing any tangible evidence of the investigative process or proper validation of the debts. 

The failure of the credit bureaus and furnishers to provide sufficient evidence of the investigation or their procedures for verification constitutes a violation of my rights under the FCRA. Specifically : Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), a credit reporting agency must provide a description of the procedure used to determine the accuracy and completeness of the information if requested by the consumer. 

Under FCRA 1681s-2 ( b ), furnishers of information must conduct a thorough and reasonable investigation when a dispute is filed.

Under the Truth in Lending Act ( TILA ) 15 U.S.C. 1666, creditors are required to provide accurate billing and reporting practices, and failure to do so constitutes a violation of the Act. 

Due to the lack of evidence proving that a proper investigation was conducted and the absence of documentation supporting the validity of these accounts, I formally request that the charge-offs be deleted from my credit report immediately. 

I kindly ask for your intervention in ensuring that the credit bureaus and furnishers comply with their legal obligations and remove the inaccurate information. If necessary, I am prepared to escalate this matter further, including seeking legal recourse for non-compliance with federal regulations. 

Please provide a written response regarding the steps that will be taken to address this matter. I appreciate your time and prompt attention to this urgent issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief