vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
USAA disabled my account access on or before XXXX. I called the company approximately 5 times to restore access. The first time, they told me to upload an identity document to the website to restore acces, which I did. The website malfunctioned and told me there was an error despite the identity document being exactly what was requested. The representative told me to mail a letter to USAA requesting access, which I did. 

In the next conversation, USAA reset my password and told me I had access to my account. When I tried to access my account on the phone and failed -- I received an error message saying I did not have a valid email address or phone number in the system -- the customer service representative told me to wait a while and try again. I did, and it failed every time. 

When I called back, the representative told me I did, in fact, have a valid phone number in the system. The phone was then disconnected ; I believe he hung up on me. 

In the next conversation, the representative told me that my account had, in fact, been disabled due to possible fraudulent activity and that USAA had not yet begun an investigation. I was told they would complete the investigation in 24 hours and contact me with the results of the investigation. I did not receive notification of the results. When I called back, I was told the office that deals with these issues is closed and to call back yet again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
TO WHOM THIS MAY CONCERN : MY NAME IS XXXX XXXX AND I AM REACHING OUT TO U ABOUT A SITUATION THAT TRANSPIRED ON XX/XX/ ON ROBINHOOD TRADING PLATFORM, WHICH INCLUDES ROBINHOOD FINANCIAL LLC/ ROBINHOOD MONEY.LLC. UP UNTIL THE THE DATE LISTED I HAD NEVER HAD TO REACH OUT TO ROBINHOOD, HOWEVER ON THE DATE LISTED THERE WAS SOME QUESTIONABLE ACTIVITY ON MY ACCOUNT SO I CALLED ROBINHOOD CUSTOMER SERVICE FROM A NUMBER THAT WAS POSTED PUBLICLY? SOME ONE ANSWERED AS IF THEY WERE ROBINHOOD CUSTOMER SERVICE AND BEGAN TO ASK LEGITIMATE QUESTIONS ABOUT MY CONCERN AND STATED THEY NEEDED TO ACCES MY ACCT TO SEE WHAT WAS GOING ON, LONG STORY SHORT THEY WERE VERY QUICK AND EFFICIENT AND HAD THE SAME TECHNOLOGY AS OTHER FINANCIAL INSTITUTIONS ; EVERTHING WAS JUST MOVING FAST. ONCE GAINING ACCESS TO MY ACCT. THEY BEGAN TO PURCHASE CRYPTO AND OPEN A ROBINHOOD SPENDING ACCT THAT I DID NT KNOW WAS EVEN OFFERDED AND BEGAN TRANSFERING MONEY ETC.I THATS WHEN I BEGAN QUESTIONING WHAT WAS GOING.. THEN WE GOT DISCONNECTED..THEY CALLED BACK AND I WAS CONFUSED AND AFRAID AT THAT POINT, I TRIED TO STALL THEM TO GET TO POLICE STATION, WHILE AT POLICE STATION THERE WAS A LINE IN FRONT BY THAT TIME THEY HUNG UP I MADE POLICE REPORT.. BUT I WAS STILLED CONFUSED ABOUT TO GET IN TOUCH WITH ROBINHOOD AFTER REALIZING THAT ROBINHOOD DID NT HAVE A DIRECT CUTOMER SERVICE LIKE MOST OTHER PLATEFORMS.. THEY ONLY HAD A VOICE MAIL BOX.. SO I BEGAN TO REACH TO THEM VIA E.MAIL WHICH THEY DID NT CORRESPOND FOR HOURS? AND STILL TO THIS DAY I HAVE NOT HEARD FROM THEM DIRECTLY NOW I AM LIMBO. WHAT THEY DID BETWEEN THE CRYPTO AND THE SPENDING ACCOUNT HAS COST ME APPROXIMATELY {$7000.00} AND I STILL HAVE NOT HEARD FROM ANYONE AFTER REACHING AT LEAST 5 TIMES SINCE XXXX PLEASE HELP. THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
At XXXX XXXX on XX/XX/2024 someone used my information to open a USAA account and open a checking and savings account. I did not open any of this, and someone is using my email to make this account. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: TX

Complaint narrative:
I have repeatedly emailed Mohela requesting refund of my payment ( made on time on XX/XX/XXXX ). Mohela has not answered emails sent on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or the one sent today. I filed a complaint with studentaid.gov and it has not been responded to, either. 

They would not miss charging me interest or hitting me with a late penalty if I were late, but they will not return my payment, and I would bet they don't pay me interest for holding my money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: OH

Complaint narrative:
I have been communicating with these company for the past 6 months to remove inaccurate information on my credit report. The company has not given me proof that any of the alleged items belong to me. They are harming my personal financial life.

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 2024-01-06 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: Affirm Holdings, Inc
State: CT

Complaint narrative:
These accounts are not mine. I have contacted the credit bureau ( XXXX ) multiple times, I have submitted a FTC identity theft report as well as filed a complaint with my State Attorney General. These are fraudulent accounts. Please remove them from my report ASAP. Please note none of these affirm accounts show up on my XXXX and XXXX report as they are aware these don't belong to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I see unknown inquiries and accounts on my credit report that I didnt authorize

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 2024-01-06 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: OH

Complaint narrative:
I have been communicating with these company for the past 6 months to remove inaccurate information on my credit report. The company has not given me proof that any of the alleged items belong to me. They are harming my personal financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: OH

Complaint narrative:
I have been communicating with these company for the past 6 months to remove inaccurate information on my credit report. The company has not given me proof that any of the alleged items belong to me. They are harming my personal financial life.

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 2024-01-06 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are 6 hard inquiries on my report that are unauthorized. I have not expressed permission to publish this private info.

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 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My checking account in Chase ( XXXX ) was closed by Chase suddenly without any reason in XX/XX/2023. All my money is in the account and it caused me a lot of problems in living and studying. 
I connected them for many times to ask my remained money back, and they said they will give me check within 15 days. But after 4 month, they didn't give me the check. I really need the money ( {$4500.00} ) to pay for my rent and tuition. 
So I hope you can help me to ask them to give my money back. My address to receive the check is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD, XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: CT

Complaint narrative:
These accounts are not mine. I have contacted the credit bureau ( experian ) multiple times, I have submitted a FTC identity theft report as well as filed a complaint with my State Attorney General. These are fraudulent accounts. Please remove them from my report ASAP. Please note none of these affirm accounts show up on my XXXX and XXXX report as they are aware these don't belong to me. Thank you.

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 2024-01-06 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I completely unaware that I am an authorized user on the zales account. I didnt even know I was on this account. I have never used this account I have no card or access to use this account. Im going through a XXXX and my name is on this account without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: GA

Complaint narrative:
Ordered from XXXX on XXXX with payment plan through XXXX. 
All items were returned. 
XXXX did not resolve pending returns with XXXX, account status showed a remaining balance. 
XXXX confirmed the remaining balance was less than what XXXX showed. 
Paid remaining balance once XXXX and XXXX settled the dispute and confirmed all items were returned. XXXX provided documentation of proof ; responsible for repayment was false and account was paid in full. While the disput was being settled between XXXX and XXXX about the returned products, XXXX falsely reported late payments to my credit report showing as a negative. Provided proof to Experian and they still did not correct or remove the false 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 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Suddenly Chase decided to close my business bank account, without any notice.

I always paid my bills on time and had enough money on the account.

One day they just decided to close the account. All my recurring income streams were cut off, and no support from Chase.

After calling they would send me a cheque. Now 3 months later still no cheque, and they promised it 3 times in between, as I contacted them in between. Zero support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have given multiple times to cure. I asked XXXX XXXX to send me the original wet signature contract between XXXX and XXXX XXXX stating I will pay the alleged debt. I have given equifax and XXXX XXXX  4 months to present said contract and all I've receive was that they need more time. I demand XXXX XXXX be deleted permanently. Equifax delete XXXX XXXX from my credit report and XXXX XXXX 10 mins later reinsert the negative item again. 
My right to privacy pursuant 15 USC 1681b 2 company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. Also if a debt is written off, then that said debt is paid pursuant to 18 USC 8. I owe no debt. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
A demand for PORTFOLIO RECOVERY ASSOCIATES to remove all of its reports on my credit file or show cause to pursue Conclusive presumption of worthless debt and to deny my access to 1099-C Form. 1099-C Form is required reporting by individuals to the IRS once a debt has been declared a write-off or charge-off. PORTFOLIO RECOVERY ASSOCIATES has denied my access to 1099-C Form for the previous tax year reporting of XXXX XXXX XXXX XXXX. A violation of the Taxpayer Bill of Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: Global Lending Services LLC
State: GA

Complaint narrative:
Global Lending Services is reporting on my credit profile for the name of XXXX XXXX who is not me. My name is XXXX XXXX, I have not gone by any other names. I am a victim of identity theft and ask that you guys please remove it from my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS is trying to collect a debt that has previously been settled and WAS REMOVED from my credit report. They refuse to correct the error despite the fact that they are breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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:
XXXX XXXX XXXX is reporting on my credit profile for the name of XXXX XXXX who is not me. My name is XXXX XXXX, I have not gone by any other names. I am a victim of identity theft and ask that you guys please remove it from my profile

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 2024-01-06 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:
XXXX XXXX XXXX is reporting on my credit profile for the name of XXXX XXXX who is not me. My name is XXXX XXXX, I have not gone by any other names. I am a victim of identity theft and ask that you guys please remove it from my profile

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 2024-01-06 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This also states a balance of {$120.00} with a past due balance of {$97.00}. This is inaccurate and needs to be REMOVED. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 281 SW 715,719, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. Also balance is listed as a Charge Off. The IRS Defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. No 1099c was given therefore this is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Last month a complaint was filed on XXXX XXXX XXXXXXXX and Transunion for reporting false credit information. My credit card has a {$200.00} limit and I used less than 28 % of the credit limit and within 3 days it was reported to Transunion and my score was lowered by XXXX points. I filed a complaint last month with proof of the credit being lowered. After it was lowered I paid approximately {$40.00} towards the balance and now 8 days ago Transunion lowered my credit another XXXX points. The credit payment was not due until XX/XX/.

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 2024-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Driveway Finance Corporation
State: TX

Complaint narrative:
Please see XXXX proof is attached of down payment which company previously denied accepting. Also I will be attaching signed delivery of payoff of vehicle on XX/XX/2023 which was signed by Driveway representative XXXX. Driveway told me that the payment was never received yet it was signed for. I sent a notice to cure/ notice of dishonor XX/XX/2023 which was also signed by XXXX. My vehicle was towed on XX/XX/2023 illegally after Payment was received and signed. Driveway is committing fraud of securities while under the indenture trustee of XXXX XXXX and I will me needing the GAAP ledger on this account as fraud has been proven by showing they accepted a down payment which they said they never received or asked for but supplied documents showing otherwise. 
Attachments : Inquiry dated XX/XX/2023 Down payment receipt dated XX/XX/2023 Payment certified delivery dated XX/XX/2023 Notice of Set Off sent to Headquarters addressed to CFO XXXX XXXX dated XX/XX/2023 Notice to Cure/Notice of Dishonor dated XX/XX/2023

Company response to consumer: Closed with explanation