vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 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: GA

Complaint narrative:
I requested validation/verification on multiple occasions. I was told by the credit bureaus representatives that the company simply saying its verified is enough to mark it as verified. Federal law states that if This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Creditors and other furnishers of credit information are required to remove and block the information. Credit information must be reported consistently across all credit reporting agencies. I have provided proof as seen in the attachment of the inconsistencies and fraud and its still being reported.

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 2023-09-07 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: GA

Complaint narrative:
I requested validation/verification on multiple occasions. I was told by the credit bureaus representatives that the company simply saying its verified is enough to mark it as verified. Federal law states that if This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Creditors and other furnishers of credit information are required to remove and block the information. Credit information must be reported consistently across all credit reporting agencies. I have provided proof as seen in the attachment of the inconsistencies and fraud and its still being reported.

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 2023-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MMG Law Group, PLLC
State: AZ

Complaint narrative:
I received a phone call today at XXXX claiming to be a law firm and collecting a debt that is not mine. They produced personal information that was apparently on a loan application, which they believed to be valid. I indicated I was not party to this loan and have never heard of the loan provider. I also indicated there was no other attempt to collect on this fraudulent loan which they claim is approximately 3 years old. I did inform them I did in fact have fraudulent claims of debt in Summer of XXXX  with a different company with a similar claim. In the summer of XXXX  I froze my credit reporting and also filed fraud alerts with the three reporting agencies. 

I do not know of this loan company " American Web Loan ''. 

The debt collector claim to be a law firm " MMG Law Group , PLLC '' This debt does not not belong to me. 

I have since re instated the credit freeze and filed fraud alerts with all three credit reporting agencies. 

Than you for your attention in 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 2023-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
This is on Robinhood. On XX/XX/XXXX, I tried to withdraw money back to my bank account and it failed. I tried multiple of times. My account is in good standing and dont owe anything. I also had the money that I was trying to withdraw. Later that day I received a notification that my Robinhood account is temporarily restricted without any reason. I immediately contacted them through XXXX chat and they said they cant do anything and told me to just wait for an email. Next few days I did get XXXX emails, requesting documents to verify identity and bank statements. All of the requested documents were submitted immediately. Then after that until today XXXX I have not heard anything. I called them and spoke over the phone the past XXXX  days including today, and all they say is they cant help or say anything. I have my savings that I deposited in there that Im trying to withdraw. I need to pay my bills and support my family but they are restricting me from my funds. Please help, I have almost {$24000.00} in there that Im trying to access. My Robinhood account is in good standing and dont owe anything. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: FL

Complaint narrative:
To whom it may concern, 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent money to someone on XXXX for a product and they never sent the the item and then blocked me and won't respond. And took my money.

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 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a Bank of America Customized Cash Rewards credit card. The company does not allow you to set up autopay or pay your credit card bill online without a checking account. To open a checking account, I must enroll in direct deposit or maintain a minimum balance of {$1500.00} ( for the Advantage Plus account, the lowest option assuming one is not a student or under XXXX  ). My complaint is that commonly accepted payment methods such as autopay or online payments are directly linked to opening a checking account. This was NOT disclosed in the terms and conditions during the application process or in the cardholder agreement. This is an underhand way to charge credit card customers with an existing primary banking relationship a {$1500.00} fee for using the credit card. Additionally, the {$1500.00} minimum checking account balance accrues no interest which creates an opportunity cost ( XXXX is currently at 5.31 % ). Bank of America has a clear incentive to undertake this scheme. The company is experiencing higher deposit costs and deposit outflows amidst rising competition from alternatives such as Money Market Funds, High Yield Savings Accounts, and Treasury Bills. Non-interest bearing deposits are Bank of America 's cheapest form of funding. The more customers it can force to open non-interest bearing checking accounts, the better the company 's financial performance will be.

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 2023-09-07 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: TN

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2023-09-07 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
I have disputed incorrect information about XXXX  and opp loans starting XX/XX/2023. 
XXXX reports my balance as XXXX, they updated the correct amount which was XXXX on XXXX but refuse to update with the other credit bureaus. Opploans continued to report a balance that was paid off as well and instead of the credit bureau deleting this account they updated it because I had proof that it was paid off when in fact it should have been deleted because they knew that the balance was incorrect of XXXX and the credit bureau continued to report it even though they had a letter saying that I paid the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: MI

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
The following is a chronicled sequence of what happened between us and the Santander Bank ( the page numbers refer to the page numbers of the attached PDF files we submitted and received from the Santander Bank as evidence ) : 1 ) We were notified a couple of months ago that Santander Bank is going to close our neighborhood branch, and we started to look into our deposit of over $ XXXX with them in XXXX XXXX XXXX Savings and Checking accounts ( Page 1 ). 
2 ) After we realized that our over $ XXXX savings at Santander Bank were only earning a monthly interest of less than {$10.00}, we stopped by a Santander branch on XX/XX/, to close the accounts. One branch representative told us that they were offering an interest rate of 4.25 % APY to our type of savings account, but only to new customers, so she is going to request that rate for us in order for us to keep the accounts open, and told us it would take 3-5 business days for the new rate to be in effect ( Page 5 ). 
3 ) We followed up at a Santander Bank on XX/XX/XXXX and then on XX/XX/, only to be told that the 4.25 % APY rate was not going to be applied to our accounts. We decided to close the accounts on XX/XX/2023, and the bank representative cut us a close-out bank check without any disclosure ( Page 2 and 3 ). 
4 ) When I compared the close-out bank check amount with my XX/XX/2023, statement ( Page 4 ), I realized that Santander Bank did not pay me any interest earned from XX/XX/2023 to XX/XX/2023, which would be paid automatically by any bank we closed out accounts before. 
5 ) When we called the Santander Bank customer service about this issue, we were told that they wont pay any interest of our $ XXXX, since our statement cycle is not closed until XX/XX/2023, and we closed the accounts on XX/XX/2023, citing their XXXX  Page 7, Section B5, which was not made aware to us when we closed the accounts, and did not sound legal to us in terms of fair customer protection. 
6 ) We think Santander Bank is deceiving and disserving customers by two ways : a ) Not paying the nearly whole month of interest on our $ XXXX without disclosing when we closed out the accounts. 
b ) Not paying the same interest rate on our $ XXXX deposit for several months while their rate is about 50 times higher for the same type of accounts for new customers. 

In summary, we think a ) legally they need to pay us the fair market interest owed to our bank accounts of $ XXXX for XXXX, and b ) Attorney Generals office should be made aware of their deceiving business malpractice toward customers.

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 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
Chime allowed XXXX to withdraw XXXX dollars from my account. XXXX had charges my account XXXX plus XXXX I called and disputed the XXXX and chime refunded my account the XXXX I was able to transfer back. I thought it was all over than I'm looking at my statement and there was 2 more XXXX dollars taken from my chime account. I have called and filed 5 disputes and chime keeps saying XXXX done nothing wrong even tho I can't get my money back from them. They won't even respond anymore to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I contacted XXXX and Equifax on XX/XX/XXXX to notify them that they were reporting inaccurate information on my credit report. I also contacted discover to double check that my payment history was correct was up to date that i was making my payments on time 100 % they told me everything was up to date. XXXX and Equifax told me that they were going to take care of it but they didn't my refence number is XXXX i also told Equifax about a inaccurate inquiry reporting its by XXXX XXXX. these problems are messing up my credit profile and i need these items fix and updated. below is a screen shot of the reporting errors that i marked up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
File a dispute with XXXX regarding CCS collection account verification in the amount of {$130.00}. On XXXX XXXX. Once the account was verifiedI contacted XXXX XXXX ( the creditor ), and was told the account would be delted from reporting upon full payment of the balance owed within 30 days. 
I paid the amount of {$130.00} in XX/XX/2023. However, didn't recieve the account deletion letter. 
On XXXX XXXX I filed another dispute with XXXX to remove the account as of today XX/XX/2023 it is still under re-investigation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/, I bought a credit monitoring service from Equifax, but it never works, and I have been calling them every month since XX/XX/, to try to cancel it because the product does not work at all, but they keep charging me {$9.00} since every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07 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: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-09-07 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: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: OK

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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