vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
i have a robinhood account which allows fractional shares of stock to be purchased. i have approximately 11 and a half shares of tesla. each month i transfer money from my bank account ( XXXX dollars ) to my robinhood account. every day that i would log in it would automatically recognize my computer and show my balance. one day i tried to log into my bank account and could not log in speaking on a phone i spoke to support and he suggested i change browsers from XXXX to XXXX edge and i was able to log in to pay bills, and what i think happened was my robinhood account did not recognize my computer when i logged in it treated me as a new customer with no money, when i try to get hold of support it tells me to give my info which tells me there maybe someone with that emai lalready exists, i have sent my passport photo twice for verification and receive an email stating for me to verify myself by sending a passport photo how many times can i send a photo. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Initially, I had opened accounts using my tax id number ( itin ). Later on, I was issues a Social security number ( ssn ) which I have been using to apply for credit cards. This social security number was issued in XX/XX/2020. I see all the accounts automatically rollover with other credit bureaus. However, Equifax only has 4 revolving accounts ( one newly added ) on my current credit file. It was changed sometime during last year. When I contacted Equifax, instead of merging the accounts, I was asked to contact the individual credit card issuers. They mention that the credit card companies is reporting using the itin instead of ssn which is FALSE. I have applied for multiple cards using my SSN last year which used to show on Equifax credit report but does not show anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Subject : Request for Assistance Regarding Incorrect Reporting of Credit Delinquency I, XXXX XXXX, am writing to address a series of issues related to my account, previously held with XXXX XXXXXXXX under the XXXXXXXX XXXX XXXX, which subsequently transitioned to Goldman Sachs in XX/XX/2022. 

For a period of eight years prior to this transition, I was a responsible and compliant account holder with XXXX XXXX. However, during the course of the transition to Goldman Sachs, which lasted approximately 3-4 months, I encountered significant and unexpected difficulties. 

Access to XXXX XXXXXXXX Account : Throughout the transition period, I was unable to access my XXXX XXXXXXXX account. This prevented me from viewing my balance, paying my bills, or managing any other account-related matters. 

Failure to Receive New Card : Despite diligent communication with Goldman Sachs ' customer support, I did not receive my new card. The support staff repeatedly assured me that the card was on its way, only to later discover that it had been sent to an outdated address. 

Delays in Addressing the Issue : The eventual realization of the mistake by Goldman Sachs led to further delays. The process of receiving my new card and accessing the newly switched Marcus account was fraught with unnecessary challenges. 

Credit Report Impact : During this period, I received a credit report indicating serious delinquency on this credit card account. This was alarming, given my otherwise perfect payment record on this and all other credit cards under my name. Though I promptly paid the outstanding {$30.00} balance upon finally gaining access to my account, the delinquency had already been recorded on my report. 

Impact on Mortgage Application : This erroneous delinquency has had a direct and adverse impact on my attempt to purchase a house, as it reflects unfairly on my creditworthiness. 

Unsuccessful Attempts at Resolution : Despite my best efforts to reach out to the concerned parties and seek resolution, I have been met with resistance and inaction. 

In light of the foregoing, I respectfully request your intervention and assistance in resolving this matter. I believe that the facts clearly demonstrate that I am a responsible consumer who pays debts in a timely manner, and that this incident is an aberration resulting from circumstances beyond my control. 

Your prompt attention to this matter will not only correct an injustice but also facilitate my ongoing efforts to purchase a home. Please find enclosed relevant documents supporting my case. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Upon reviewing our bank accounts with Wells Fargo, we realized that there was a debit to our joint account for {$7400.00}. Upon further investigation, we saw a fraudulent check written to a fake name and cashed at a check-cashing shop on XX/XX/XXXX. 

This account, in particular, has never had checks assigned to it, and this was the first check drafted from the account over the entire XXXX history. 

We immediately called the customer support number upon discovery ( XX/XX/XXXX ) and were reassured that the funds would be replaced within ten days ( this was stated on a recorded line ) and proceeded through the process of changing bank account numbers and new debit cards. 

We did everything the Wells Fargo website said to do when a fraudulent item was discovered. Imagine our surprise a month later to find out that not only had the money not been reimbursed, but because more than 30 days had lapsed from the closing bank statement, they were not obliged to return any of it. 

We have always believed in the banking system and have never had any issues with fraud in over 50 combined years with Wells Fargo. I am opening this claim in the hopes that the CFPB can assist us in getting our stolen funds returned to our account. The fact that any bank can get away with this has shaken both of our beliefs in the entire banking system. 

Wells Fargo 's 24/7 Security Protection that they flaunt on their website did not notify me of a suspicious transaction, nor did it protect me when they allowed somebody to access funds from our account without our permission. 

Credit cards have no statute of limitations regarding fraud ; why are banks held to much lower standards? Fraud is fraud. I never gave anybody access to my account. I never fell prey to a phishing scam. I went to work like most of us, thinking my funds were being protected, only to discover that the reality is that our funds are not protected from one of the oldest and easiest forms of banking fraud : fake checks. 

For the past 10 months, every employee we have spoken to has agreed that we should be reimbursed ( These calls were recorded ). From branch managers who helped us submit our initial dispute claims to the XXXX dispute department reps, yet despite police reports and everything else that was requested, Wells Fargo spent less than a day to reply with the same answer " More than 30 days have passed from the statement so there is nothing we can do at this time. '' I am hoping that my attached documents find themselves in the hands of somebody who can step up and help make this right. We have exhausted all means of recourse with Wells Fargo and hope that the CFPB can ensure that we are treated fair and just. 

Thank you for your time, 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a cons
umer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: SC

Complaint narrative:
Companies charge the entire APR up front as amount borrowed even if paid off sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Company will not remove inaccurate illegal transactions/experiences from my consumer report as they are prohibited per the FCRA and UCC. Company is causing intentional harm due to violations can have civil action taken against them for such activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On Friday XX/XX/XXXX I received a fraud alert message FreeMsg : XXXX Confirm It. Did you use your card XXXX on XXXX {$4700.00} XXXX 'S DISCOUNT? Reply YES/NO, STOP to end fraud alerts, HELP or call ( XXXX ) XXXX. I immediately called the bank as I didn't make the transaction. While speaking to the rep she said your account is at {$0.00} lets go through your transactions at which we did and she found that there were several transactions I didn't make. Claim was opened for acct ending in XXXX. Claim number XXXX. The charges were for XXXX and XXXX from the XXXX of XXXX to the XXXX. I called several times because allowing the unauthorized charges caused a dire situations of me being unable to feed my children. I called in today and was told my case was closed because a text alert was sent to me on XX/XX/XXXX which I never received. I also have a police report for the charges. Due to XXXX allowing my funds to be taken and then making the inaccurate decision that I made the transaction. 

Huntington bank obviously agrees with ripping off their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: MID FLORIDA FINANCING LLC
State: AZ

Complaint narrative:
XX/XX/XXXX I purchased what I thought was a XXXX XXXX compass. When I ran into problems with the battery I took the vehicle to a mechanic. He found out XXXX batteries are not compatible with my vehicle because my vehicle is a XXXX. A XXXX jeep compass has more features and a XXXX batteries. Also has back up camera and other accessories. 

Its that some kind of breech of contract. I have never been late on payment. I actually have my card on auto pay. I called the XXXX department and also the sales team. Both said call the other and they can not help. Im frustrated because I have so much more to pay and Im not pay for the car I bought. Can you please help. No one will listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX XXXX am verifying that I, XXXX XXXX XXXX XXXX am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I rented a car with XXXX XXXX a car LLC. For this car I used my capital one 360 checking account with my debit card. Initially I was only renting for a week or XXXX due to my personal vehicle needing repair. The rental was from XX/XX/XXXX - XX/XX/XXXX in police custody until XX/XX/XXXX. There was also a hit and run accident on XX/XX/XXXX which has a claim with my insurance company XXXX. On XX/XX/XXXX XXXX charged my account {$3200.00} for the rental without sending me an invoice or any follow up about the accident. XXXX then charged my account again on XX/XX/XXXX for other fees for {$280.00}. This has left my capital one 360 checking account negative {$3400.00}. I submitted a dispute in XXXX because XXXX should have done their due diligence and contacted me before processing any payment especially with the vehicle being involved in an accident! After I sent in the dispute that is when XXXX sent me an invoice on XX/XX/XXXX. They validated the chargeback! Now come XX/XX/XXXX I was emailed a request for payment from XXXX for the amount of {$3500.00} with all payments considered through XX/XX/XXXX. They continue to send this demand for payment. I have reached out to both companies! Capital One insists it has been paid through them. I can only reach XXXX via email and I have provided them with copies of my bank statement to prove the debt was paid from Capital One! How can I owe XXXX companies for the same debt? This has effected my ability to use my bank account, XXXX and negatively impacted my credit!

Company response to consumer: Closed with monetary relief