vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 2025-01-28 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: DISCOVER BANK
State: NY

Complaint narrative:
My name is XXXX XXXX, I recently submitted a claim/dispute that my information was leaked in an XXXX data breach. I submitted complaints via the CFPB with complaint ID # XXXX : XXXX XXXX, XXXX XXXX XXXX and XXXX, XXXX. After all accounts listed on my dispute were removed XXXX XXXX XXXXXXXX XXXX XXXX DISCOVER BANK, XXXXXXXX XXXX ) They were placed back on my report! This is unacceptable behavior towards someone who is a victim of identity theft. I completed an Identity Theft Report ( reference # XXXX ) and you honored my request. There is absolutely no reason for any of these accounts to be reappearing on my credit report. I provided the appropriate documentation to support my claim. Anyone claiming this account to be mine, has used my name and personal information without my consent!! These accounts must be BLOCKED and DELETED PERMANENTLY according to 15 USC 1681c-2 ( a ). As a consumer, it is my right to dispute inaccurate and fraudulent information. DISCOVER BANK XXXX, and XXXX XXXX XXXXXXXX was reinserted back on my credit report without a letter sent to me in writing within FIVE DAYS before it was reinserted. According to the FRCA, this is against the law and against my consumer rights. I demand this account be removed, because any information provided that it belongs to me is FRAUDULENT, and not relayed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
1. Checking Account Closure and Withholding of Funds I opened a Citi Regular Checking account to take advantage of a promotional {$450.00} welcome bonus offered to new customers. I successfully met all the requirements for the bonus, including funding the account via transfer from my XXXXXXXX XXXX checking account. After receiving the bonus, I attempted to transfer a portion of the funds back to my XXXX account. At this point, Citibank informed me that I had allegedly violated their client manual and that my account would be closed within 60 days. 

Citibank has refused to provide me with specific details regarding the alleged violation. Furthermore, they have denied me access to my account, preventing me from verifying the exact balance, which I estimate to be approximately {$7000.00}. I am unable to confirm the precise amount as Citibank representatives have refused to disclose this information, citing the account closure. They have also been unable to confirm the timeline of my funds will be returned to me, or if the returned amount will be accurate. 

I visited a local Citibank branch in person to resolve this issue, but the branch representatives provided the same vague explanation and were unable to reinstate my account or provide any further information. I maintain that I have not violated any terms or conditions of the account agreement. 

Credit Card Closures and Forfeiture of Rewards In addition to the checking account closure, Citibank has also closed my two credit card accounts, which I have held for 16 years and have maintained a positive credit history with. I was not provided with a clear explanation for these credit card closures. As a result of these closures, I will forfeit the accumulated cashback rewards and ThankYou points earned on these cards. I am extremely dissatisfied with this outcome, as I have been a loyal credit card customer for many years and I have near perfect credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: CO

Complaint narrative:
My wife and I purchased our first home in XX/XX/XXXX, our mortgage company is CMG financial. We negotiated a 1 % buy down which brought our mortgage to around XXXX. When the escrow account was reevaluated in XX/XX/XXXX, they indicated that the account was almost XXXX short, largely due to an severe underestimation of the property tax. Roughly XXXX was set aside for property taxes instead of a figure closer to 1 % of the property value ( XXXX ). On our original mortgage documents, there is a line that clearly indicates the taxes the previous owner had paid in XXXX ( XXXX ), but they still only set estimated taxes at XXXX. Ultimately, our mortgage is now XXXX a month due to the rate going back up to 7 %, the back escrow owed, the increase in taxes and insurance. If the taxes and escrow had been properly estimated, there is a very good chance that we would NOT have closed on this property due to the expense. We feel as though we have been misled, either maliciously or through negligence. We pay the title company and mortgage company to handle all these details because of our relative ignorance and it feels like one or both of them have dropped the ball on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am filing this complaint regarding an American Express ( Amex ) gift card valued at { {$500.00} }, which was provided to me by my employer as a reward. Despite multiple attempts to use the card at various merchants, the transactions are consistently declined. 

The card has been declined 4 times with a mix of in-person as well as online at merchants who accept amex gift cards. The transactions declined are as follows : XX/XX/year> - XXXX - declined ( tried to use for XXXX XXXXXXXX purchase ) XX/XX/year> - XXXX - declined ( tried to use for XXXX XXXX purchase ) XX/XX/year> - XXXX - declined ( tried to use in store for XXXX XXXX purchase ) XX/XX/year> - XXXX declined ( tried to use for online purchase for a backpack ) I have verified that the card was activated properly and attempted to use it at different locations to no avail. Additionally, I contacted the American Express call center multiple times to resolve the issue, but I have not received any assistance or a resolution. This situation has been frustrating and has caused inconvenience, as this reward was meant to be a usable benefit, but the funds remain inaccessible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My social is not XXXX My name is XXXX XXXX XXXX not XXXX XXXX. 
I do not have a criminal record whatsoever. 
The bankruptcy has been illegally obtained! 
Ive had identity thief in place since XXXXXXXX XXXX XXXX 


They obtained records illegally without my consent stating that the us bankruptcy courts gave them this information and they did not when i tried to ressolve this matter they told me that the courts did. I went to the courts sent them the paper showing proof an they still lied on the courts now I am notifying you guys of this complaint because it is improper and unlawful! I also recorded the conversation of multiple people lying which now i am building a case .They refuse to fix my background check that is expundged and they also ignored anyone that I have had to help me. I also have n identity thief that they ignored also as well.Im tired of them not changing my scores and being outdated

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 2025-01-28 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-28 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received a summons that I'm being sued by portfolio recovery for a debt. According to XXXX consumer access, this company is not licensed in my state ( TX ) to collect debt. I received multiple calls every day from this company ( early morning, during my work day, and at night ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have an account with Robinhood. 
I tried to withdraw $ XXXX from Robinhood to my bank account on XX/XX/2025, but they suddenly restricted my account and I can not open new positions or transfer funds to my bank account. 
As of today XX/XX/2025, I still can not contact them and also can not move my money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), and a charge-off account opened at XXXX XXXX on XX/XX/XXXX under the account ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 modify 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. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-28 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: NY

Complaint narrative:
Hello my name is XXXX XXXX, Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. I will also like to remind you of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. Please be sure to send me the results of this request. Thank you. 

Account Name : XXXX XXXX  Account Balance : XXXX $ Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX $ Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Balance : XXXX $ Date Opened : XX/XX/XXXX UNAUTHORIZED HARD INQUIRY XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: OH

Complaint narrative:
Round Point is my current Mortgage servicer. In the spring of XXXX, I think XXXX, I was contacted that my Mortgage escrow was too high and they lowered my payment by {$73.00}. Apparently they failed to notify me for quite a while as they had to send me a check for roughly {$1000.00} as my escrow balance was too high. My Mortgage is on an automatic bill pay so I don't worry about the payment. On XX/XX/XXXX I received a phone call from someone saying they were Round Point and they wanted all kinds of info over the phone. I said I was not comfortable with that so we Hung up. With in 10 minutes I located an old mortgage statement to verify the phone number and called them back. They were after me for {$100.00} in late fees. I told them there had to be a mistake as it is automatically paid. Then after digging a little deeper they informed me that my escrow account had gone up starting in the month of XX/XX/XXXX and my payment was {$90.00} short. They considered every payment made from that point forward late even though my original payment was made on time. Apparently this went on until my phone call on XXXX XXXX. I was never notified of the change or I would have made the change. The money is not the problem. The communication is the problem. They considered each payment made on time {$90.00} short and assessed a {$35.00} late fee each month. On the XXXX when I received the call they said I had to pay them {$490.00} by the XXXX or I would be late again, even when my regular payment was already there. They told me my only option was to overnight the money or give them my bank account and routing information to get the money directly out of my account. I did not want to do that but did to get the issue resolved. They reported me late to the credit agencies for a late mortgage. I feel this not at all fair, highly unethical and probably fraudulent. I want my credit repaired with no mortgage lates as I was not late. I was not notified of the change in escrow amount. How can they change the escrow amount 2 times in one year? Why did it take them 4 months to call me with the change when they saw my payment hit them every month on time, but only short the amount of the escrow change. I have never been late on a payment in my life and now as a result my credit has dropped significantly and I will most likely get higher rates on my credit cards as well as my auto and home owners insurance will go up as a result of the poor credit. My credit has been above XXXX for as long as I can remember checking it and now it has cratered as a result of this screwup. I just want my credit unchanged from this unethical reporting on their part. Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation