vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
On XX/XX/year> I deposited {$48000.00} into a new Robinhood account. Over the course of the next week I made several other smaller deposits between {$1000.00} and {$3000.00} and began buying XXXX. On XX/XX/year> I bought {$45000.00} of XXXX coin for a total of XXXX coins. Around XX/XX/year> my account was restricted, which limited my account to Sell only. On XX/XX/year>, after many attempts to contact customer support, they finally called me. I provided identification information and addressed their concerns about activity on my account. I was assured that the restriction would be lifted very soon as my case was being expedited. The very next day ( XX/XX/year> ), I received a notice stating that my account was being closed. Again, I attempted to contact customer support many times and noted that I was now unable to request a callback. The option to request a call back through the website disappeared. The only way to contact them now is through chat messaging, which states someone will contact me within XXXX days. This morning ( XX/XX/year> ), a sell order was executed without my consent ; I did not place the order. All of my coins were sold and the balance is stuck in my XXXX account. I attempted to transfer my funds back to my bank, but received the message that my account is restricted and that transfers can not be made. I have {$57000.00} that I can not get back. I am XXXX old and retired ; this was most of my savings. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Someone unauthorized used my credit information. Without my knowledge I was notified via email that I had an inquiries for credit when I was at work. Please delete these inquiries ASAP please and thanks. My credit report was in breach of contract. Please delete this happened XX/XX/year>. Thanks

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 2025-02-18 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: NM

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I am writing to formally demand immediate resolution regarding my international wire transfer initiated from my Wells Fargo account on XX/XX/year>, to my personal account in XXXX XXXX. As previously communicated in Complaint No. XXXX, the transfer was expected to be completed by XX/XX/year>, yet the funds have neither reached my account nor been refunded. 

Despite numerous follow-ups with Wells Fargo , including multiple phone calls and a trace request, no meaningful progress has been made. This ongoing delay is unacceptable, and the lack of transparency has caused me significant financial inconvenience. 

Given the banks failure to resolve this matter within a reasonable timeframe, I demand the following actions : 1. Immediate credit of the full amount of the wire transfer to my intended foreign account or a full refund to my Wells Fargo account.

2. A detailed written explanation regarding the cause of the delay and why the funds have not yet been processed or returned.

3. A commitment to resolving this matter without further delay, including compensation for any financial losses or inconveniences incurred due to Wells Fargos negligence.

If this issue is not resolved within seven ( 7 ) business days from the date of this letter, I will have no choice but to escalate the matter further, including relevant regulatory authorities. Additionally, I will explore all legal avenues available to recover my funds.

I urge you to take immediate corrective action and restore my confidence in Wells Fargos ability to handle international banking transactions. I expect a prompt written response outlining the resolution of this matter.

Sincerely,

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 monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : ( XXXX ) XXXX MONDAY-FRIDAY XXXX TO XXXX PST SEND WRITTEN DISPUTES TO : XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX Original Creditor : XXXX XXXX Placed for collections on : XX/XX/XXXX Original Principal : {$22000.00} Current Principal : {$22000.00} Interest Due : {$190.00} Total Due : {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
This is a serious issue that requires immediate attention. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. I have identified these errors multiple times, yet they continue to appear, causing me ongoing stress and frustration. These inaccuracies are negatively affecting my financial standing and overall well-being. This has been already deleted by both XXXX and XXXX due to inaccuracies and fraudulent activity, this is a blatant violation of my rights as a consumer for ignoring my dispute.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Attaching my notarized letter from my landlord thank you for your patience.. 

Please delete all old address and only keep this one that is showing on the letter. 

Please as well delete my old Drivers License from XXXX XXXXXXXX haven't had that since I moved from there back in XX/XX/year> that number is XXXX Respectfully

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 2025-02-18 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
A company I worked for leased a car for my colleague. I was a guarantor for my colleagues because he was new in the U.S.A. Car was returned to Honda dealer on XX/XX/XXXX. Dealer returned back the car license plate to my colleague without informing him that he should return it to DMV or that he can use it for the new car he was leasing. My colleague misplaced the car license plate and left the U.S. Few months after returning the car, I received a notice from Honda Financial Services asking me to pay USD XXXX. I communicated with the company I worked for and they paid the amount. I am not sure what the payment was for. I received another letter in XXXX of XXXX asking me to pay USD XXXX. I contacted Honda Financial Services and they informed me that the payment was because the car license plate wasn't returned to DMV or used for another car. This information wasn't shared with my colleague by the Honda dealer as mentioned earlier. I spoke to the dealer and they informed me that I shouldn't pay any money to Honda Financial Services because the lease and any tax associated with the lease was paid in full and that we aren't responsible for any payment once car is returned back to a dealer. Even the USD XXXX payment that was made was incorrect as per dealer 's explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MS

Complaint narrative:
my personal and financial information was compromised without my authorization the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharae my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
i submitted a complaint with the CFPB on XX/XX/scrub>XXXX XXXX XXXX XXXX company responded that they verified the debt, but i still havent received anything!!!! and now its saying XXXX XXXX XXXX XXXX?! that not even what the credit report read!!!! i havent rented nothing!!!! Please send documents because i dont know who these people are!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I requested the following from the companies listed in error on my credit report : A copy of the original credit card or loan agreement with my signature. 
Complete account statements detailing the debt amount, including charges, payments, and interest. 
Documentation showing the collector 's legal right to collect on this debt. 
Records demonstrating the chain of ownership, including all transfers of this debt if it has been sold. 
A detailed accounting of the total amount owed, including fees, charges, and interest. 
They were unable to provide the information to me, I then disputed this information on my credit report and stated they would not provide this information but it was then " verified '' as accurate. This is unfair and unjust. I was fair and waited over 60 days to file this complaint.

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 2025-02-18 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: IN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-18 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-18 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: CA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NC

Complaint narrative:
I requested this information from the various companies with errors on my report. I then submitted a dispute on the Equifax account and they stated they were " verified ''. I then asked Equifax to provide the same information they used to verify it as the companies were unable to verify the accounts when I requested the information. They never responded to my request. I was fair and waited over 60 days to file this complaint to you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hello, I have been attempting to use my American Express prepaid gift card which I received from my employer. The card is activated and shows the appropriate funds, but I am unable to use the card with any merchant online or in store. The card keeps being declined and when calling Amex customer service, they saying my only option is to use the card with another merchant. However, I have tried multiple merchants, website, stores and the card is not able to be processed at any of them. The customer service agents are claiming they are not seeing anything on their end, but they have acknowledged they see all the declined transactions on the card statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
I was scammed by one of XXXX 's membership clients. I informed XXXX and Google Payments of the issue and requested a refund the same as several other people who were also scammed. I know that most of them received their funds back and told me to do the same. I sent in a support request to get my funds back and google payments refused to provide a refund. XXXX knows that the person was scamming their users, but they refuse to stop them or help remedy the situation. They're still allowing other people to sign up for their membership and still allowing them to continue tricking other people. They promised things that were not provided and gave services that could not be used. Her own partner is the one who told everyone that she was scamming us. I want my money back.

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 2025-02-18 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: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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