vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood has had my account " restricted '' since XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX I made ( 3 ) {$10000.00} transfers from 2 different checking accounts. My intention was {$10000.00} from each but initially I received an email stating that one of them did not go through and I needed to resubmit. In reality they ended up transferring it both times. Then immediately my account was restricted stating they needed to obtain additional documents to verify my account. In the app there were instructions to submit a photo ID and a " selfie ''. When I attempted to submit the documents the app shut down and every day since the app shows " restricted '' and then shows a date for status. Every day the date moves to the next date. I attempted to contact Robinhood via email, chat and phone with continuous messages that " this case is closed ''. On Friday, XX/XX/XXXX, I received an email with a different phone number and was able to get the documents sent to them. They are now still moving the status date every day. 
They have had over $ XXXX of my money with no way for me to get it back or to buy Crypto. It is costing me money. I want to transfer out of Robinhood altogether but I can not get my account unrestricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
A Letter was submitted to the XXXX XXXX XXXX on XX/XX/XXXX securities fraud in pursuant of securities XXXX XXXX and XXXX, TILA,12 CFR 201.108, UCC 3-104, UCC 3-603, UCC 3-602, 15 USC-1601 , 18 USC 8 and other laws pertaining to securities. Several phone calls requesting legal dept to call regarding my concerns and a recorded call XX/XX/XXXX and sent to voice mail, in pursuant of Equal protection clause of the 14th amendment, Article I section 10, FOIA freedom of information act, TILA. A certified letter Remittance coupon XX/XX/XXXX was submitted in pursuant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( still in use ) and its provisions are codified under 12 USC and tile 31, Federal serve act XXXX and The board of Governors of the federal reserve system. a Third certified letter sent onXXXX and via email requesting, FOIA for full disclosure about the promissory note in question. No response other than the remittance coupon sent back. Though XXXX 1099 tax forms I believe have been used without my consent or knowledge. 
In addition to, Chase auto failed to follow the Regulation Z ( XXXX  ) model, ( though hidden ) but required by TILA. Many attempts have been made with complete disregard of my requests for communication, I was agreeing to pay however I needed clarification on my discoveries ( acquiescence ) in addition to multiple discussions with different customer service reps on remedy of past due amounts of the loan without resolution. This demonstrates a lack for transparency and compliance with federal regulations and raise grave concerns about potential fraudulent activities on many levels. further investigation is needed whether Chase Auto and its affiliates have engaged in fraudulent or misleading practices in regards to my promissory note and I am in pursuit of legal ramifications and damages form the undue stress. I will also be filing a formal complaint with the SEC.gov, office of the Attorney General and other federal and state regulatory agencies. Please advise on the next lawful steps to seek remedy. 
very truly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$270.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX 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 # ( private case number ) 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 2025-01-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc
State: MD

Complaint narrative:
Sure, here 's a structured explanation you can use, incorporating the relevant law : -- - **Subject : Request for Removal of Account Due to Data Breach and Violation of Privacy Rights** Dear [ Credit Reporting Agency / Williams & Fudge ] , I am writing to formally request the removal of an account related to Williams & Fudge from my credit report due to a violation of my privacy rights stemming from a data breach.

**Background and Legal Context : ** 1. **Data Breach Exposure** : I believe my personal information, including sensitive financial data, was exposed during a data breach involving Williams & Fudge . As a result, my private financial details may have been improperly accessed or disclosed, which violates my fundamental right to privacy. A data breach of this nature is not only a breach of trust but also potentially a violation of multiple legal protections designed to safeguard consumers. 

2. **Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681** : Under the FCRA, specifically 15 USC 1681 , individuals have the right to expect that their personal information will be handled with the utmost care and accuracy by entities that report to credit bureaus. If an account or collection item is the result of a data breach or improper access to your personal information, it is considered inaccurate and unauthorized reporting, which can lead to harm in terms of credit scoring and personal privacy. 

3. **Violation of Privacy** : The exposure of my private information through this data breach is a clear violation of my privacy rights under both state and federal laws. When a consumer 's data is compromised, the consumer may have grounds to dispute the legitimacy of any resulting debts or collections that are reported based on this breach.

4. **Right to Dispute and Remove Inaccurate Information** : In light of these facts, I am exercising my right under the Fair Credit Reporting Act to dispute the accuracy of this account. Since the account with Williams & Fudge resulted from a data breach, and my personal information may have been improperly used, I request the immediate removal of this account from my credit. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX, I received several refunds from XXXX XXXX due to canceled cruise. I called Chase credit card customer service and asked how to get that money back in my account. They told me I would receive an email within two days and that it would automatically deposit to my checking account. If I did not receive the email in two days, I would receive a check within 10 business days. I have now gone through this process three times and not only have I not received the money. the company can not even provide proof that theyve sent a check. We are now over a month and I do not have the funds owed to me. Could you imagine if I didnt pay my credit card bill and kept using the excuse that the check is in the mail Do you think that they would not charge me fees and interest I would love to know why they are allowed to hold onto my money and I am provided no compensation. 
Currently Chase credit card owes me {$4300.00} and can not provide me with any guarantee or proof that theyve actually sent the check. I sure hope you can help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
My Vystar mortgage payment was sent by XXXX XXXX XXXX on XX/XX/year> to Vystar Credit Union XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX As of this date XX/XX/year> Vystar has not credited my account. XXXX is only XXXX miles from XXXX. This is the second time Vystar is holding my check. Also Vystar ask us to pay them {$2100.00} for escrow and our escrow was only short {$240.00}. 
I emailed XXXX XXXX at Vystar and she said she would contact the mortgage division. Last month I paid my mortgage on the first and Vystar didnt ctedit it till 7 days later

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 2025-01-08 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Recently noticed fraudulent activity on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
Recently noticed fraudulent activity on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Managers, Inc.
State: FL

Complaint narrative:
I am disputing the debt referenced in your correspondence because I believe that the actions taken in connection with this debt may be in violation of 15 U.S.C. 1692f ( 6 ) of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, this statute prohibits the use of unfair practices such as the unlawful repossession or wrongful sale of property, or the use of other means to collect a debt that may not be legally owed or has been transferred improperly. In this case, I believe that the sale or collection efforts concerning this debt may have been conducted in violation of this provision, and I respectfully request a full review of the actions taken, including verification of the debts validity and proper transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: WI

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-01-08 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: WI

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-01-08 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear Equifax Information Services LLC I am writing to request a detailed description of the investigation process followed by your agency in regards too the disputed accounts on my credit report. Pursuant too the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i ( 7 ) ( 7 ) Description of the reinvestigation procedure.

Under Section 15 USC 15 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 
I received a letter from your Credit Bureau saying that the accounts were verified but I would like to know what you verified. Can you send me a detailed description of you verified? 

Accounts XXXX XXXX XXXXXXXX XXXX  ( XXXX ) Provide the description of the procedure of the investigation used to verify this account if you can not remove this account at once. 
XXXX XXXX XXXX ( XXXX ) Provide the description of the procedure of the investigation used to verify this account if you can not remove this account at once. 



Sincerely, XXXX XXXX XXXX XXXX I also sent certified mail here is the tracking number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: RI

Complaint narrative:
Someone used my direct Express card after robbing my wallet after cancelling card I called number provided but there is no option to speak to a representative so after it asks me for card number which I don't have it tells me it's being shipped then hangs up on me so I'm unable to tell any representative about the fraudulent activity and because I requested a new card my online portal no longer works

Company response to consumer: Closed with explanation