vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-15 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 was trying to buy a house an I realize I had damaged on my credit report. There should not be any damage on my report its a defamation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
On XX/XX/XXXX my account at Robinhood bank that I have maintained for over 6 yrs was blocked. I called Robinhood to see why and was told it was for security and security had to verify transactions. I did so and noticed a few XXXXXXXX XXXX transactions that I did not do. After going over the electronic transactions was not told they are filing a report or anything besides we have to send your account for review. I also share a XXXX account with my son as well as my own account. There seems to be a very strange thing happening between the 2 account where transactions on my sons XXXX account are somehow being charged to my Robinhood account. As far as I know XXXX and Robinhood are not linked in nor affiliated so they have not explained and I really need an explanation of how my sons transactions at XXXX are being charged to both his XXXX account and my Robinhood account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 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 2023-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Reporting my utilization is illegal and charged me a XXXX fee for my money I called and ask if they can close the 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 non-monetary relief
Consumer complaint received 2023-10-15 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: FL

Complaint narrative:
Reporting my utilization is illegal and charged me a XXXX fee for my money I called and ask if they can close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 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: FL

Complaint narrative:
Reporting my utilization is illegal and charged me a XXXX fee for my money I called and ask if they can close the 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 2023-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I sent a formal request to Opt Out of all Late Payment, Negative Remarks, Credit Use or Utilization to the CEO of Transunion in XXXX of 2023. 
I have not received any acknowledgements since then and it is hindering me from obtaining new credit due to them violating my rights to privacy as a 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 non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I closed my credit card and there is a balance of more than {$1200.00} in my credit card. The company is not issueing a check until 2 statement cycles ( 2 months ) to refund my money. Not sure how the company hold my money for 2 months when I close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Reporting illegal utilization on credit reports

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 2023-10-15 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: FL

Complaint narrative:
Reporting illegal utilization on credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 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: FL

Complaint narrative:
Reporting illegal utilization on credit reports

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 2023-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Reporting illegal utilization on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
American Express Date Opened : XXXX Balance : {$1000.00} Spoke with Amex fraud dept and they launched a investigation. I filed a police report with my local police dept XXXX XXXX. Report # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/2023 approximately {$16000.00} was deposited into the accounts and pending transactions were doubled and withdrawn from the accounts causing overdraft fees. Overdraft fees were processed on the account before the 24 hour holding period. I have done my best to communicate this issue with no resolution and a loss has been detected. No funds have been returned. I was told that USBANK is holding funds but have not been reimbursed to the entirety. Approximately {$4000.00}. I have been told to dispute transaction with the fraud department but this is an internal issue and email complaints are falling on deaf ears.

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have requested that my personal information be corrected. I have sent in state ID to provide proof and they have not updated it yet. I am requesting that you enforce my right to have an accurate file with the credit reporting agencies. This is very detrimental to my credit file and my options in regards to credit.

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 2023-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase block my XXXX  and flag me as fraud over {$75.00} dollars. XXXX is design to receive and send money. I used XXXX as follow but chase bank flag me as fraud and stop me from using XXXX  with other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: FL

Complaint narrative:
Reporting illegal utilization on 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 2023-10-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: OR

Complaint narrative:
I have attempted to contact the original rental company, debt collection agency, FTC and credit bureaus to remove this debt collection. It still is being associated with me despite having absolutely no connection to this debt. 

I have provided extensive documentation to prove that I have never lived at the address where this debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
My mother stole my identity back in XXXX XXXX and opened up several credit cards in my name. She had all my information because I am her daughter. She never paid off the full amount of credit cards and the bills went to collections. I never authorized these accounts to be open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: TN

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 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: FL

Complaint narrative:
Hi on XX/XX/XXXX I got my credit report and I was look and checking on my report and noticed that there was some unauthorized collections and accounts and inquiries on my account that I didnt not due I sent letters to all three credit bureaus that they was unauthorized and I dont no what the credit report agency are doing I sent letters to XXXX XXXX and Experian and they have not remove them from my credit report account Im very hurt about this It not fairs to me so can you please please check this out and help me I demand this unauthorized accounts be removed and inquiries off my credit report Im not liable for this debt with these companies from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX child support enforcement

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 2023-10-15 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
My mother stole my identity back in XXXXXXXX XXXX and opened up several credit cards in my name. She had all my information because I am her daughter. She never paid off the full amount of credit cards and the bills went to collections. I never authorized these accounts to be open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have not giving this company any written consent to furnish any accounts on my credit report. This is a violation of my privacy rights and every account on my report is closed. My credit report is frozen with all credit reporting agencies. This company has committed a fraudulent act. 
I have no business or dealing with this company. 

Remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Nelnet seems to continue to experience issues regarding furnishing student loan account changes to the credit bureaus. XXXX, specifically, has not received an update since XXXX  despite the fact that I have paid off three accounts and made a significant payment on a fourth. 

In addition, Nelnet is impossible to get a hold of via phone due to seemingly low staffing levels and obscenely inconvenient call center hours which results in ridiculous hold times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have sent experian letters 45 day apart asking them to delete the wrong listed addresses and wrong names from my credit report. I included the letter a copy of my ID, social security card, and 3 proofs of addresses each time. I recieved a letter stating they did not remove the addresses after the 1st letter but did not recoeve any notification after the 2nd or 3rd letter. All names and addresses I ask to be removed still remain on my credit report. That are not my correct names nor my correct addresses, I own several properties at which I do not reside at and can not or have access to the mail going there. These addresses and wrong names need to be removed from my credit report immediately. XXXX and XXXX removed them on the 1st letter I sent.

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 2023-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023, I was scammed to send {$2000.00} to an individual named XXXX ( XXXX ) via XXXX through my bank Chase 's mobile application. The individual took my phone after I had logged into my Chase app, and sent themselves money through the phone number XXXX, a number which now seems no longer associated with XXXX. 

I called Chase Bank that night, and I was told I would be given credit for the {$2000.00} while they investigated my case and I was forwarded to the fraud department to change my username and password on the app. However, I soon found out that I was not given any credit, so I called the bank back after a week and it was said that they were still looking at my case and since the fraud took place through XXXX, a third-party company, there is a likely possibility that my case wouldn't be approved. 

I have attached a screenshot of the transaction from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I opened a Wells Fargo checking account that promised a {$300.00} bonus by meeting certain conditions : {$25.00} opening deposit and {$1000.00} in direct deposits within 90 days. There was no code needed if you clicked directly on a link online ; only a code was needed if you did it in person. I absolutely clicked on the link and exceeded the required terms. I have no proof I clicked on the link. I have made numerous calls to Wells Fargo regarding this issue. I received a letter dated XX/XX/23 that account was not opened using required link. This is absolutely false. Again, I have no proof - no code was required. I was on the phone for XXXX minutes and the only resolution was to file a complaint through Wells Fargo. With the customer service I have received so far, I knew this would be a waste of even more of my time. 
Due to the wait times to talk to representatives regarding checking account bonuses, I think they are denying many people their rightful bonus.

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 2023-10-15 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: DE

Complaint narrative:
I filed a complaint against Equifax for violating my rights to privacy in XXXX of 2023. 

They are furnishing my credit use nad late payments on my Consumer Report after I formally opted out of said reporting. 

Due to this violation of my privacy, It's becoming difficult to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I have not applied for any credit or services associated with these inquiries. The unauthorized inquiries negatively impact my credit score and financial well-being.

Here are the details of the unauthorized hard inquiries : I have not initiated any financial transactions or applications with the aforementioned creditor/company on the date mentioned. Therefore, I request a immediate removal from my credit report. 

Enclosed with this letter are copies of supporting documents that demonstrate that I did not initiate these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I believe that the inclusion of these unauthorized inquiries violates my rights under the FCRA. 

Please consider this letter as a formal dispute under the FCRA. I appreciate your prompt attention to this matter. 

Thank you for your cooperation 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 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
On XX/XX/2023, when I opened the HSBC US mobile app, I received the error message XXXX upon logging in. I then called HSBC US customer service and was informed that my account was locked, but no reason was provided for the lock. I also attempted to communicate with HSBC US XXXX department regarding the situation, but again, no reasons were given ; I was simply told to wait. It has now been over a month, and my account is still inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: UT

Complaint narrative:
On XX/XX/14 a payment of {$420.00} was taken from my account unbeknownst to me, XXXX had scheduled a payment from me that was half of my paycheck. 

They completely ignored my pending applications for XXXX and XXXX programs. 

I never authorized the amount they took. I was never informed of the amount. I received letters that my serviced had changed, but that was all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I recently reviewed my consumer report and I've noticed some incorrect and fraudulent accounts on my consumer report that should not be there. I was a victim of idenity theft and i need these fraudulent accounts removed immediately. 

1. XXXX XXXX XXXX XXXX XXXX. Account # XXXX

Company response to consumer: Closed with explanation