vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
My troubles with TD Bank. Long story XXXX requires a bank account before you can set up a seller account at XXXX. I have personal checking at TD Bank and there is a branch very close to me so I went there to open a commercial banking account to use to purchase equipment and supplies that I need to start and operate the business, and eventually, hopefully, to receive payments from XXXX and others when I finally sell products. It was a very big mistake going to TD Bank. Right from the very beginning I had trouble using the debit card the help desk said the account was under review and even though I had deposited money, I couldnt use my debit card to pay vendors. Eventually they straighten things out. My debit card worked, I used checks to pay contractors, everything seemed good, but I received a call from the branch manager who said : Your account will be closed because you dont have a website to sell your product. Hours and hours on the phone to anyone I could talk to at TD Bank no help so I took off a whole day to create a website that shows XXXX of the products that I am working on. XXXX. A wood product that I intend to manufacture here. XXXX. A XXXX container that a company in XXXX  will fill and package for me. XXXX. A XXXX product that a company in the XXXX is developing for me. - No, its not good enough, was the response from the branch manager. I appealed, I lost, now ( as of XX/XX/year> ) they are going to close my account because my website isnt good enough. Dear TD, you have wasted so much of my time. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-20 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: MI

Complaint narrative:
XXXX XXXX XXXX  {$7900.00} XX/XX/year>XXXX  Called In To Report Inaccurate Information About The Information And Was Disregarded. Fraudulent XXXX XXXX  {$4700.00} XXXX XXXX {$460.00} XXXX {$1400.00} No knowledge Of Account XXXX {$3200.00} Fraudulent Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Today I reviewed my current credit report. I was surprised to discover that Wells Fargo has not removed credit card ending in XXXX from my credit report. This card was paid off and requested by me to be closed in XX/XX/year>. I then called customer service at the telephone number listed at the bottom of Wells Fargo credit report XXXX XXXX XXXX. I spoke with customer service rep " XXXX ''. After confirming the card is infact closed and paid off, she advised me I would need to request in writing to have it removed from my credit report. When I explained that I shouldn't have to waste more of my time writing a letter to get this card off my credit report. 
XXXX then transferred me to a very rude unprofessional " higher up '' by the name of " XXXX ''. This person didn't listen to me. Proceeded to talk over me. Told me unless I had a pending mortgage she would not remove this account from my credit report. Because of her rudeness I ended the call I have a recording of both conversations for 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 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received notice that I owe MIDLAND CREDIT MANAGEMENT INC in regards to he account I informed them that I was exercising my right to discharge debt under HJR 192 73-10. Also 18 USC 8 all debts are the obligation of the UNITED STATES. Also by being a third party debt collector they are in violation of the FDCPA ( Fair Debt Collection Practice Act ). Violations 806,807 ( 2 ) ,808,807 ( 11 ) 809,812.it has become a burden and creating stress which is causing physical damages to my body. Also they in violation of 15USC 1692 ( c ) a 15 USC 1692 ( b ) 2 b ( 5 ) 15 USC 1692 ( d ) 215USC1692 ( g ). This added stress is creating a hardship on me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: SC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-20 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-02-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-20 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: CT

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my 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 2025-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Medical Procedure was done in the state of Arizona 2022.

Buying this information release is a HIPPA violation. 

XXXX - XXXX decrease in credit report from a charge off account on midland credit management.

I never signed a contact with this company or received no 1099 form after my information was bought from them for financial gain.

Work garnishment entered on me in the state of Indiana for more than the medical procedure done in the state of Arizona.

Court date set causing me to miss work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Robinhood regarding the continued restrictions on my account and the subpar customer service I have received in trying to resolve the issue. Despite fulfilling all verification requirements, my account remains locked, and I have encountered numerous problems with Robinhoods customer support. 

Here are the details of my complaint : Account Restrictions and Verification : My Robinhood account was restricted, and I was instructed to provide certain verification documents. I promptly submitted all requested information, yet my account remains inaccessible. I even received an email from Robinhood stating that the restrictions had been lifted, but this was not the case.

Customer Support Challenges : Every time I try to contact Robinhoods customer support, whether by phone ( including when using a landline ) or through the Robinhood app, the representatives either act as if the service is unavailable or immediately disconnect the call. Additionally, they fail to complete support chats within the app, which prevents me from requesting further assistance for hours. This deliberate lack of follow-through has left me unable to resolve my issue and continues to create an impossible situation for me to get any resolution.

It feels as though Robinhood has intentionally set up their system to make it difficult, if not impossible, for customers to have their issues addressed. I am left feeling frustrated and helpless, unable to access my funds or receive proper customer support.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist me in getting my account fully unlocked and restored. I would appreciate any guidance on how to proceed, as Robinhood has failed to provide a satisfactory solution. 

Thank you for your time and attention to this matter. I look forward to your prompt assistance. 

Issues began on XX/XX/year> and are still ongoing with a over 10 calls and multiple emails and 12 files uploaded. 

Currently they have {$11000.00} of my money tied up and I need it to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 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 2025-02-20 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank decided to close my account for whatever personal reason I have some direct deposit through XXXX kick in and I sent two wire transfer XXXX due to my car being repo. They decided to terminate my account without any reasoning I honestly feel like Im being discriminated. Ive never committed any type of fraud activity on my account. I dont even have a criminal record. Never had a problem with the justice department. I dont understand why my accounts were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I received a delinquency from Radius Global Solutions for a XXXX XXXX account that was opened in XXXXXXXX XXXX I, a lifelong NJ resident, have never been to XXXX or know anyone that lives there. 

I called Radius and they told me that the only way to resolve this is to send them a copy of my government issued ID. There is no way that I am going to send an issue of my ID to a debt collector for a debt that isn't mine. I also called them on Monday XX/XX/XXXX twice. On my first call I asked for some sort of proof that it is mine, ( I mentioned contract with my signature or something tying it to me ) the operator told me that it does not work that way and asked if I would like to settle it. 

Once again, I am not sending a copy of my ID and some other personal document to a debt collector to verify that I am not the account holder. There has to be some other way.

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 2025-02-20 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: PA

Complaint narrative:
I have provided various reported related to this account Of XXXX XXXX  being open fraudulently and have provided several FTC reports associated the reporting agencies have continued to fail to remove this account. I am writing to formally dispute the fraudulent credit card account that has been reported on my credit file. I recently reviewed my credit report and discovered an account that I did not open, authorize, or consent to. Under the Fair Credit Reporting Act ( FCRA ) and Identity Theft Laws, I am requesting the immediate removal of this fraudulent account from my credit report. I did not initiate this account, nor have I ever had any business relationship with the mentioned creditor.

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 2025-02-20 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: PA

Complaint narrative:
I have provided various reported related to this account Of XXXX XXXX  being open fraudulently and have provided several FTC reports associated the reporting agencies have continued to fail to remove this account. I am writing to formally dispute the fraudulent credit card account that has been reported on my credit file. I recently reviewed my credit report and discovered an account that I did not open, authorize, or consent to. Under the Fair Credit Reporting Act ( FCRA ) and Identity Theft Laws, I am requesting the immediate removal of this fraudulent account from my credit report. I did not initiate this account, nor have I ever had any business relationship with the mentioned creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4

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