vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a new account XXXX and purchased about $ XXXX {$400.00} of clothing. I have received some items in the mail with no invoice attached. I'm not sure if I have received all that I ordered. I was supposed to be given a 25 % discount on my first order. 
I can not access my account online. I have received nothing confirming my order. 
I have tried dozens of times resetting the password for access, using different computers. Still no access. I have spent hours on the phone with customer service that has offered no help. I don't have any way to see a receipt, pay my bill or verify what I have purchased and there seems to be no where to go in this company for help. 
I am receiving Macy 's advertising emails after i signed up for 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 2024-12-15 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:
SEE ATTACHED FOR LETTER TO EQUIFAX IN REGARD TO INACCURATE LATE PAYMENT WITH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
There are two derogatory collection accounts listed on my XXXX credit report from Midland Credit Management Inc. Both are dated XX/XX/year> but have different amounts. One is for {$770.00} and the other is for {$870.00}. I've never heard of this company and have never requested a line of credit from them. On the credit report, it says they are the original creditor. I want them to remove themselves from my credit reports immediately as it's severely impacting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: MI

Complaint narrative:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. Attached you will find the FTC report, my consumer statements, and my identification proving my identity ; These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail.

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 2024-12-15 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  these accounts has violated my rights Under_ 15 U.S.C 1681 section A. states I have the right to privacy. 15 U.S. Code 1681e ( bAccuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer. or modity that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report,
immediately : Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately

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 2024-12-16 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:
This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit accounts are the results of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit accounts are the results of identity theft and fraud.

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 2024-12-15 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my credit. I want the fraudulent to be removed from my credit immediately because they hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: CA

Complaint narrative:
I have reviewed my credit report and noticed several addresses listed that are not mine. These addresses are associated with accounts or activities that I did not authorize, and I believe they are the result of identity theft. I have not lived at these locations, and I did not open any accounts or make purchases associated with them. I am in the process of disputing these entries with the credit bureaus and taking steps to resolve the issue, including reporting the fraud to the appropriate authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CO

Complaint narrative:
I had XXXX pending charges from XXXX for {$150.00}. The first was from XX/XX/XXXX and the second was from XX/XX/XXXX. They were holds for incidentals from my 2 separate reservations I had at the hotel. On the XXXX, after I had checked out of the first stay and checked in for the second stay that I had booked and paid for separately, the {$150.00} hold fell off. I received a push notification from Cash App stating that it was released. However, after clicking on the notification my account balance was not reflecting that the funds had been returned to my available balance. It was still reading at something like {$8.00}. I brought this issue up with Cash App immediately in their chat support. I was basically told that I am crazy and that the amount had credited back despite my total amount not reflecting such. That customer service agent got tired of dealing with me and kept telling me that they have done everything that they can do for me and sent me back to the beginning of the line for the support chats. I was connected with another representative and they told me that I needed to get a hold of XXXX and get an invoice stating that there is a XXXX balance owed by me to the XXXX. Once that is received then they would be able to look into the matter farther. I have supplied the XXXX balance invoice as requested. As far as I am aware nothing has been done to further investigate this matter and it is being swept up under the rug as if it never happened. The XXXX {$150.00} hold from the XXXX from XX/XX/XXXX is still currently in pending status on my checking account with Cash App. I have questioned this in their Chat Support part of the app on several different occasions. Each time I have tried to address this as an issue I have been told that there is nothing they can do to investigate the matter farther until they receive a XXXX balance invoice from the XXXX. I get the invoice and submit it to Cash App through the chat support. At first I am told that the invoice I supplied that was emailed to me from the XXXX ( supplied screen shots to Cash App via chat support ) and at first they tried telling me that the invoice could not be accepted for this matter. After debating that with the support team on Cash App I was finally told that I must wait the entirety of 30 days before the {$150.00} is released. Once the 30 days have come and gone then they will, I guess, look into it more. This is after they had told me that it is not on them but the XXXX and that XXXX has to release the funds first. I explained to Cash App that the XXXX has assured me that both of the holds for {$150.00} were released a month ago and that there is nothing else that the XXXX can do. The XXXX has instructed me to contact my financial institution since there have done everything within their power on their end in regard to what a merchant has the power to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
I am submitting this complaint because two debt collection agencies, WAYPOINT RESOURCE GROUP LLC at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, MN XXXX are reporting the same alleged debt on my credit report. This is causing undue harm to my credit score and financial reputation. I have no contract, agreement, or business relationship with either agency, and neither agency has provided lawful validation of this debt despite my requests. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I have the right to request validation of any alleged debt, and both agencies are legally obligated to cease collection activities, including reporting to credit bureaus, until they provide sufficient proof of the debt. Despite these requirements, both agencies continue to report this debt without validation. Additionally, this duplicate reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which mandates that furnishers of information, such as debt collectors, must ensure the accuracy of the information they report. The failure to verify or correct duplicate reporting constitutes an actionable violation of federal law. Furthermore, under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), inaccurate or misleading reporting that harms a consumers credit standing is a concrete injury. Both agencies actions have directly caused harm to my credit reputation, subjected me to potential denials of credit, and created unnecessary stress. " Congress plainly sought to curb the dissemination of false information by adopting procedures designed to decrease that risk. [ A ] n intangible harm, such as the risk of dissemination of inaccurate information, can satisfy the requirement of concreteness under Article III. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). " The mere presence of an inaccuracy in an internal credit file, if it is not disclosed to a third party, does not amount to a concrete harm. However, the risk of dissemination of inaccurate information and actual disclosure can result in reputational harm that is cognizable. '' 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 explanation
Consumer complaint received 2024-12-15 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:
SEE ATTACHED FOR LETTER TO TRANSUNION IN REGARD TO INACCURATE LATE PAYMENT WITH 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 2024-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: AL

Complaint narrative:
I have a cryptocurrency wallet with XXXX ( XXXX Wallet ). I transferred 3.5 Ethereum ( as of today worth approximately {$14000.00} ) from my XXXX wallet  to my Robinhood trading account, specifically to my Robinhood Ethereum wallet on the Robinhood platform. To be clear, this not in reference to the Robinhood Wallet app, which is a separate app from the Robinhood trading platform app. I transferred the Ethereum on the XXXX XXXX, which is a crypto network built by XXXX and supported/accepted by many cryptocurrency trading platforms and wallets ( including the separate Robinhood Wallet app ), but the XXXX XXXX is NOT supported by the Robinhood trading platform, which is again where I tried to send the Ethereum. So, because the XXXX XXXX is not currently supported/accepted by the Robinhood trading platform, my funds are not showing up in my account and are indefinitely missing ( have essentially vanished ), unless and until Robinhood accepts the XXXX XXXX. I also know for a fact that this has happened to countless other Robinhood customers/account holders. There must be literally millions and millions of dollars worth of cryptocurrency stuck in limbo on the XXXX XXXX waiting for Robinhood to accept the XXXX XXXX. But the thing is, all Robinhood has to do is accept the XXXX XXXX, and all of these funds will appear in the respective accounts of customers who are waiting. The lack of clarity from Robinhood on what, if anything, if being done to remedy this issue, as well the vague and misleading fine print that this is even a problem to begin with, is borderline fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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: GA

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing regarding the above-referenced account in my credit report ( Account # : XXXX ). Please note that I am not disputing this account. However, I kindly request additional information for my records regarding this account. Specifically, I would like the following details : Date of first delinquency associated with this account. Date of the last payment made on the account. Date of charge-off for this account. I would appreciate your assistance in providing these details promptly in writing. If any additional documents or authorizations are required to process my request, please let me know at your earliest convenience Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MD

Complaint narrative:
I am writing to file a complaint against Chime for the wrongful closure of my account and for denying me access to my funds. My account was closed due to loads, a term that Chime has failed to explain, despite multiple conversations with their customer support team. During these conversations, I was never provided a clear definition of loads or any explanation for why this term was used to justify closing my account. The account was closed on XX/XX/XXXX. 


As a result, I have been left with {$1900.00} in my secured credit builder account and only {$12.00} in my checking account. Chime informed me that I had violated the deposit agreement policy, but I am not aware of any such violation. All of my deposits have come from three fully verified sources : XXXX. XXXX, which is my direct deposit from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 

XXXX. XXXX XXXX, where my account is linked, and I have withdrawn legal funds. 

XXXX. XXXX, a fully verified sports betting account, from which I can provide records of every withdrawal.

Despite the fact that all of my deposits are legitimate and verified, I have been told that I will never be able to access my funds. This has caused significant inconvenience, as I have been unable to pay critical bills, including rent, car insurance, and phone bills.

I request that Chime provide a clear explanation of the reason for closing my account and that they promptly return my funds. I would also appreciate clarification regarding the loads and the alleged violation of the deposit agreement policy.

Supporting Documents : Copies of deposit records from XXXX, XXXX XXXX, and XXXX. 

Any correspondence from Chime regarding the closure of my account.

Thank you for your time and attention to this matter. I look forward to a swift resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I opened a small business account with Chase Bank on or about XX/XX/scrub> 2024, after receiving an unsolicited offer from Chase sent to my email address. I have been a customer of Chase and held a personal checking account at the time. I opened the account without problems spurred on by a bonus of {$300.00} to be awarded if I fulfilled certain requirements within 90 days. I was to be paid the bonus within 15 days of completion of the requirements.

Most importantly, the email offer provided a link within the email to take advantage of the offer. This is how I applied for the new small business account and qualified for the offer. The promotion code was included with the email and this was used in conjunction with the offer. I am a sole proprietor.

After I completed the requirements, I expected the {$300.00} bonus to be credited to my account as promised on XX/XX/scrub> 2024. It was not so I called on XX/XX/scrub> 2024, and sent along an email to correct the problem. At first I was told that I did not include the promo code and therefore was not eligible. I reiterated that I responded directly thru the email ad and that the promo code was used. I received a call on XX/XX/year>2024, from someone purporting to be from the executive division telling me that I would get my bonus and that a letter would follow. I never received any letter regarding this matter.

Worse, instead of getting {$300.00} as indicated in the offer, I only received {$220.00}. I called and emailed yet again to determine the problem and was told that since I was subject to backup withholding the money was taken out and sent to the IRS and that I should file for a refund.

I never stated that I was subject to backup withholding and Chase had no right to assume this. It seems that Chase lost the entire application and is making up facts as time goes on. First Chase states I did not use the promo code when I did use the promo code and now it tells me that I am subject to backup withholding when I am not. Chase is unable to manage its paperwork and back office functions.

Company response to consumer: Closed with explanation