vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: SC

Complaint narrative:
On XX/XX/year> I made a test transfer of XXXX each XXXX shares from Robinhood to crypto wallet. Immediately after a successful transfer Robinhood restricted my account. I reached out to the customer service team via email and phone and received automated messages but no direct information. The notice on my account stated your account is under review, we will provide more information before XX/XX/year> on XX/XX/XXXX the date changed to the XXXX, then the XXXX, XXXX, XXXX and now the XXXX. Each day they push it an additional day. When trying to reach out to customer service the call number is not an option anymore and when it is, Im on hold for 6 hours with no avail. I have emailed several time and get the same response back. I sold all my shares and took a loss. I just want my money out of Robinhood but cant transfer out until the restrictions is released

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX weeks ago BANK OF AMERICA closed XXXX of my checking accounts being that they " couldn't verify my identification '', which I don't understand because how was I able to open my account if they couldn't verify. Anywho, I had made deposits into my account, and everything was good. Fast forward to XX/XX/year> my work deposit hit my account but they but a hold on my funds. Now the account is closed and I haven't received any funds from BANK OF AMERICA. I would like to have my money ASAP.

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 2025-02-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: PA

Complaint narrative:
I have been a client of Freedom Debt Relief since 2021 and have invested almost {$40000.00} in reducing my credit card debt to find only 2 cars totaling {$12000.00} have been paid off by the company and remain on my credit report. 

I have been requesting an account statement for more than 6 months so that I can have visibility of where my funds went but I am continuously lied to and ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ Date : XX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Strong Complaint Against Experian for Deceptive Practices and Violations of FCRA Dear CFPB Teams, I am writing to formally lodge a complaint against Experian for their continued deceptive practices regarding the investigation of credit report errors, despite being previously sued for similar violations. My recent experience has revealed a troubling pattern of behavior that undermines consumer trust and threatens our access to credit, employment, and housing. 

Upon reviewing my credit report, I discovered that Experian has improperly closed my rental agreement account. This action is in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Experian 's failure to conduct thorough and accurate investigations into disputes is alarming. Their practices not only lead to the persistence of errors on consumers ' reports but also result in the reinsertion of inaccuracies without proper justification or notification. This negligence has severe repercussions for consumers like myself, affecting our financial stability and opportunities. 

Given this situation, I urge both CFPB offices to take swift action against Experian to ensure compliance with the FCRA and to protect consumers from these harmful practices. It is imperative that Experian is held accountable for their actions and that measures are implemented to prevent further violations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
There never was a judgement in court the case was dismissed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
XXXX was use from my account dont no how but I. Called my bank and they said that I couldnt get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: IN

Complaint narrative:
Please ensure that the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open or permit these accounts and do not recognize them. As per USC 1681g, I request their removal within 15 days. Enclosed are relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 51. financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/year>, I lost my cell phone. Whoever found my phone decided to hack my checking accounts. Funds were immediately returned to me. I then checked my Barclays account. This person added their name to my account, added their Bank XXXX XXXX account, changed the mailing address on my account, and siphoned over {$3000.00} from me. I've repeatedly called the bank. They closed the account. They've completed no investigation into this They then sent me a check for {$280.00}. that was all the money remaining after I noticed fraudulent activity. 

They did not address the original problem at all. I've spoken with numerous customer service agents who are only capable of assigning to me a ticket number. PLEASE HELP ME.. The horrible scribble on the check they sent me are the ticket numbers assigned. The police report number is XXXX. That was filed with the XXXX Police department. 
Please note documentation from your bank on page XXXX shows a persons name who I don't know and should never have been given access to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am XXXX and can not work I need a loan forgiveness

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 2025-02-05 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: TX

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2025-02-05 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:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XX/XX/XXXX {$5400.00} No actions were taken. Plus when I called the company the person threaten to sue me and hung up the call. Today I'm receiving unknown calls about the payment and I have lived in the apartments since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: MI

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-05 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: MI

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my 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 2025-02-05 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:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my 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 2025-02-05 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:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Debt Collection Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Company Complained About : XXXX XXXX XXXX XXXX Complaint Details : I am submitting this complaint against XXXX XXXX XXXX XXXX for attempting to collect a debt that I do not recognize and have no legal obligation to pay. I have never entered into any contract or agreement with this company, and they have failed to provide sufficient validation of the alleged debt despite multiple attempts on my part to request this information. 

I have contacted XXXX XXXX XXXX XXXX several times, requesting validation of the debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, they have not provided any documentation proving that I owe this debt or that they have the legal authority to collect it. Instead, they continue their collection attempts without proper verification, which is a violation of my consumer rights. 

I am requesting that the CFPB investigate XXXX XXXX XXXX XXXX for their failure to comply with debt validation requirements and ensure that they cease all collection activities related to this unauthorized debt. Additionally, I would like all negative reporting regarding this alleged debt removed from any credit reporting agencies if applicable. 

Requested Resolution : XXXX XXXX XXXX XXXX must provide proper validation of the debt, including original creditor details and proof of my obligation to pay. 
If they can not validate the debt, they must immediately cease all collection efforts. 
If this debt has been reported to any credit bureaus, it should be removed immediately. 
I appreciate the CFPBs assistance in resolving this matter. Please confirm receipt of this complaint and inform me of any next steps in the investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Florida 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 2025-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I open the account with TD bank at the end of XX/XX/XXXX, I bought a gold chain from Shane Co . Didn't hear from TD bank at all no statements. In XXXX I XXXX  the phone number because I wasn't able to log in to the app ( to this day XX/XX/XXXX I still can not log in to the app ) somehow I got through and made a payment. I spoke to different people and got tranafer so much I don't remember how I made the payment. For XXXX I was expecting a statement in the mail for I had requested to get paper statements. Nothing again, I kept calling the TDBank phone number on XXXX and finally spoke to a lady she gave me my account number, told me my payment was late that it was due on the XXXX and it was the XXXX. I asked if she could remove the late fees since I wasn't aware of my payment date She gave me {$30.00} off, she told me to make a payment online. She also claims to have set me up for paper statements. I submitted the payment online same day. I was for sure that it had gone through. On XX/XX/XXXX I received a letter from TD retail card services dated XX/XX/XXXX stating that I had a past due payment. I called the number on the letter and spoke to a lady and explained the above situation. She verified that I am set up to received paper statements and told me that I should speak to customer service to insure that I received paper statements. She " helped me set up an online payment by using the ACH routing number and account number. ( confirmation # XXXX ) Which I had no idea what an ACH number was. She assured me that my payment will be out in XXXX business days. On XXXX  the XXXX I called the same number back and spoke to a lady named XXXX she told me to wait another day because it has not been XXXX full business days. I asked if she knew of another way to make a payment and she proceeded to tell me that I should contact my personal bank and set up payment. I'm confused now! I have been reaching out to make a payment multiple times and now I have to pay a late fee and have a late payment on my credit score due to lack of professionalism from TD Bank

Company response to consumer: Closed with monetary relief