vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute a collection account that appears on my XXXX credit report but does not appear on my other credit reports ( e.g., Equifax or XXXX ) XXXX I believe that this entry is either inaccurate, incomplete, or misreported, and I respectfully request that it be investigated and removed if it can not be properly verified. Details of the disputed account : Creditor/Collection Agency : XXXX  Account Number : # XXXX Reported Balance : {$1600.00} Date of Collection : XXXX  This account does not appear on my credit reports with any other credit bureaus. Given that the other bureaus do not list this account, I believe there may be an error or inconsistency with the reporting of this account to XXXX. Relevant consumer laws : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. You are required by law to investigate and resolve any such disputes within 30 days. Additionally, according to Section 1681i of the FCRA, if you can not validate or verify the accuracy of this account after conducting your investigation, you are required to remove the entry from my credit report. Request for Action : I respectfully request the following : 1. A thorough investigation of this collection account. 2. Verification of the accuracy of this account. 3. If you can not verify the account, I request that this collection be removed from my XXXX credit report. Please provide me with a written response detailing the outcome of your investigation. I also request that you send me an updated copy of my XXXX credit report reflecting any corrections made. Thank you for your prompt attention to this matter. I look forward to your response within the 30-day investigation period mandated by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Coinbase will not allow me to send my crypto off their exchange, thus leaving my crypto at a higher risk of being lost.

When I try to send my crypto off the exchange into my XXXX XXXX I get this message : " Disabled sends for your security For your security, we have disabled sending crypto for XXXX hours. We apply this delay to protect your account from potential security issues or when you update security settings.\nHave questions? Contact us at https : //support.coinbase.com ''. 


I have been contacting them from before XXXX trying to get this resolve. They keep telling me they will escalate the request, but nothing happens and they do not let me know of any progress. 

I have a case # XXXX with them to no avail. 

I have tried to file complaints through their system 5 times, but they will not acknowledge the receipt. I started this complaint process on XX/XX/year>. 
Yesterday I spent ( XXXX hours by the clock ) on hold today waiting for them to answer their phone. They just kept telling I am in the quay. 

I would appreciate it if you would contact Coinbase and get this resolved. 
Coinbase should be able to look up my account through the case number. 

I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: SC

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX XXXX to inaccurate reporting. Equifax denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against the company ( Equifax ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Equifax has not attempted to remove, nor correct any information. I'm requesting that this derogatory removed be removed or corrected immediately as its 's affecting my chances of getting ( house, car, etc. ). Equifax violates my right as a consumer, as well as federal laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I have an account with Robinhood Financial , LLC and I used it to invest into several areas, XXXX being one of them. They can be found at https : //robinhood.com. 
Following advise on security of XXXX, XXXX XX/XX/XXXX I attempted to withdraw some of my XXXX to a private wallet. Something apparently went wrong and Robinhood flagged my account as Restricted. This shut off my access to my funds. Frustrated, I was able to sell out of my position in XXXX but when I tried to extract my funds, Robinhood did not allow that. 
Here is the really frustrating part. When attempting to contact support to resolve the issue, a long series of insincere and delay tactics seems to be played. You request a call back that the app says Get a callback from an agent within XXXX minutes which turns into days and days. Additionally, when I did get a call, the connection was so bad that the call terminated. I have read other peoples complaints about the same thing. And additionally, their app has a banner that says We are reviewing your case. Well notify you by XX/XX/XXXX and as each day becomes the next, they roll back your notification date to the next day. Just ridiculous. I received an email after I sent several emails to Robinhood. It directed me to use the app to upload a bank statement, yet the app will not allow you to! This type of stuff that seems like childish gamesmanship to delay your ability to resolve the issue and get funds back. I finally got a legible call from an agent, and I thought whew, now we can resolve this. I was emphatic with him that I neede some other method to upload the bank statement and he provided that. Upload was successful but he simply said that they will notify me when they are finished reviewing? I pressed him for a timeline and he said he could not provide that. What? Is this stuff legal in the XXXX? I feel like I am being held financially hostage by a company with no respect nor concern for my complaint. As of right now, I have complained with the SEC, the XXXX  and now CFBP. I will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: RI

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open these accounts, nor do I recognize them. Pursuant to USC 1681g, I am requesting their removal within XXXX  days. The supporting documents are enclosed for your review and 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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I was using cash app to purchase products and services online in case of a data breach the hacker wouldnt have direct access to my personal accounts. However I was scammed and the product I purchased was not as described. The seller would not respond to my requests so I filed a dispute with cashapp. Cashapp refused to help me out recover lost funds. So in cash apps business model is to allow anyone to be scammed and not provide help. I am going back to using a regular bank credit card. Cashapp should be banned in the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: NM

Complaint narrative:
I have been trying to resolve the issues with the merchant or my Bank and SOFI has decliend reimbursed funds even after the merchant has showed hostility and lied at this point has been stalling and just trying to make it difficult to do anything about resolving the issue due to me living an hour away from the location and SOFI has still declined to do anything due to me not having paperwork to show how the merchant has treated me and lied to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years of employment purposes. 

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have 30 days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Report Number XXXX XX/XX/year> {$3.00}, XXXX. Account is paid and closed Report XXXX XXXX XX/XX/year> XXXX. {$630.00}. Paid, Closed. 
XXXX. {$600.00}, XXXX, XXXX. 
XXXX XXXX XXXX XXXX. {$180.00}, Paid in settlement. 
XXXX XXXX XXXX  {$400.00}, XXXX, XXXX. 

Report Number XXXX XX/XX/year> XXXX XXXX XXXX. {$4500.00}. Account charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I am resubmitting a formal complaint to ; GM FINANCIAL regarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX  XXXX, TX XXXX. My date of birth is XX/XX/year>, and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data.

If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I started XXXX XXXX XXXX XX/XX/year> for {$50.00}, I paid with XXXX, I ordered the wrong type of serve so I requested a refund with XXXX transaction id ( XXXX ) which was refunded but later resolved the issue with XXXX XXXX, so they ended up taking out the {$50.00} dollars again. XXXX XXXX I got charged again from XXXX transaction ID XXXX for XXXX, now my account is getting overdraft and having extra fees XXXX, I reached out to XXXX, I reached out to Chase but they couldn't dispute it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation
State: CA

Complaint narrative:
They called my work in XX/XX/XXXX, I wrote an email to not call my work. They said they will put a note in my file. They called me in XX/XX/XXXX, again, I told them i cant receive personal calls at work, to put in my file to stop calling. They called me again this morning at work, XX/XX/XXXX. I told them this is the third time me telling you to stop calling my place of work, they will note in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
On XX/XX/XXXX I wrote a dispute to Experian to investigate and remove several accounts on my credit report. There has been no mention of these accounts on any response from Experian, which means no investigation has been done and the accounts remain on my credit. Im really frustrated that my dispute hasnt been properly investigated. I sent it on XX/XX/XXXX. It's now XXXX of XXXX and still not a peep from Experian. I submitted all the required information, but nothing was done. Experian is violating my rights under the FCRA. This is disappointing, and Im requesting that the accounts in question be removed from my report right away. Id appreciate it if you could take another look and resolve this as soon as possible.

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 2025-01-22 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Having reviewed my most recent credit report, I noticed an error that does not match the documentation I have. This discrepancy could lead to misunderstandings or inaccuracies in assessing my creditworthiness, which I would like to avoid. Please take the time to carefully investigate this issue and correct it as needed. I value your assistance in ensuring the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last six months, or the last two years of employment purposes.

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have 30 days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$320.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$230.00} Open Date XX/XX/XXXX XXXX XXXX Date {$140.00} Open Date XX/XX/XXXX inquiries XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. Kindly take immediate action to delete this false information from my files. Please remove and block.

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
I filed a fraud dispute XXXX on XX/XX/year>. To date, Navy Federal has not acknowledged, accepted, or opened my claim at my request. They have only canceled my debit card and did not order a new one for me. I had to personal request a new one on XX/XX/year> via the online portal. 

I provided details of the assault that occurred, how my personal identifying information was taken from me, to include my phone, drivers license, phone, wallet, and keys. I also shared that there was a police report, the person who was later arrested as a result of the incident, and faxed the police report as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I wrote a dispute to Transunion to investigate and remove several accounts on my credit report. There has been no response from Transunion, which means no investigation has been done and the accounts remain on my credit. Im really frustrated that my dispute hasnt been properly investigated. I sent it on XX/XX/XXXX. It's now XXXX of XXXX and still not a peep from Transunion. I submitted all the required information, but nothing was done. Transunion is violating my rights under the FCRA. This is disappointing, and Im requesting that the accounts in question be removed from my report right away. Id appreciate it if you could take another look and resolve this as soon as possible.

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