vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-09-09 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-09-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: MI

Complaint narrative:
I am writing to file a formal complaint against Discover Bank regarding a {$1000.00} XXXX transfer made from my savings account ending in XXXX. This issue has escalated due to the mishandling of my case, failure to provide accurate information, and refusal to refund my money despite clear evidence supporting my claim. 
On XX/XX/year>, I initiated a {$1000.00} XXXX transfer to XXXX XXXX at XXXX XXXX  using the recipients phone number. Soon after, I realized that the recipient had changed their number, and within 32 minutes, I contacted Discover customer service to suspend the transaction. At XXXX XXXX, I spoke with a Discover representative who confirmed that the money had not been claimed due to the incorrect phone number. The representative immediately canceled the transaction and assured me that a refund would be processed within two business days. 
After waiting a week without receiving the refund, I contacted Discover again on XX/XX/year>, and was informed that the first representative had provided incorrect information and no refund would be issued. The case was escalated to the Dispute Resolution Department, where I was told they would review the phone recording from my XX/XX/XXXX call. 
On XX/XX/year>, I was informed that my dispute had been rejected due to a lack of evidence. This decision is perplexing and frustrating because Discover holds the critical phone recording that supports my case. The fact that they failed to consider this evidence raises serious concerns about the integrity and transparency of the dispute process. Discover has handled this matter unfairly, and their refusal to address the situation based on the available evidence is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-09 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: MS

Complaint narrative:
I AM FILING A COMPLAINT AGAINST ROBINHOOD INVESTMENTS. ROBINHOOD HAS PLACED A RESTRICITION ON MY ACCOUNT AND WILL NOT GIVE ME A REASON AS TO WHY OR ANY ANSWERS IN REGARDS TO THE RESTRICITION.

I HAVE AN OLD BANK ACCOUNT THAT IS STILL ATTACHED TO MY ROBINHOOD ACCOUNT THAT I HAVE MADE SOME TRANSFERS FROM ( SOME INTENTIONAL AND SOME ACCIDENTAL ) SOME TRANSFERS CLEARED, SOME DID NOT CLEAR DUE TO FUNDS BEING TAKEN OUT OF THE ACCOUNT FROM XXXX SEPARATE COMPANIES THAT I HAD REQUESTED STOP ACH WITHDRAWALS THAT CONTINUED TO DRAFT MY ACCOUNT CAUSING SOME OF THE TRANSFERS TO RETURN ( I CAN PROVIDE DOCUMENTATION WHERE I STOPPED ACH PAYMENTS WITH THESE COMPANIES BEFORE THEY CONTINUED TO TRY TO DRAFT THEM OUT OF THE ACCOUNT ) I ALSO HAVE A DEBIT CARD THAT IS CONNECTED TO A BANK ACCOUNT THAT WAS LOST AND REPLACED. I SENT ROBINHOOD A LETTER FROM MY BANK STATING THAT THE DEBIT CARD WAS REPLACED AND BOTH CARDS WERE CONNECTED TO MY MAIN BANK ACCOUNT.

HOWEVER, ON THIS SPECIFIC DAY THAT ROBINHOOD PLACED THIS RESTRICTION ON MY ACCOUNT, ALL FUNDS WERE SETTLED EXPECT FOR {$1000.00} THAT WAS NOT USED DURING THIS TRADING DAY. I HAVE THE DOCUMENTATION SHOWING THE BUYING POWER NOT BEING USED WHICH MEANS THE BUYING POWER THAT WAS USED WAS ALL CLEARED AND LEGIT FUNDS..

I HAVE SUBMITTED BOTH BANK STATEMENTS TO ROBINHOOD, A LETTER FROM MY BANK, A SCREENSHOT FROM MY BANK SHOWING WERE THE LAST DEPOSIT WILL CLEAR AND THE FUNDS WERE THERE WHEN THE TRANSFER WAS MADE. THEY REQUESTED A STATEMENT FROM MY DEBIT CARD WHICH I HAVE NEVER EVEN HEARD OF. THE DEBIT CARD IS CONNECTED TO MY BANK ACCOUNT THAT I SUBMITTED TO THEM AND THAT MY BANK PUT ON THE LETTER THAT I SENT OT THEM I CAN NOT GET ANY KIND OF ANSWERS FROM ROBINHOOD IN REGARDS TO MY ACCOUNT OTHER THAN " IT IS UNDER REVIEW '' I CAN NOT SPEAK TO A REPRESENTATIVE HANDLING THE FILE, I CAN NOT GET ANYTHING FROM THEM OTHER THAN A GENERIC EMAIL. I HAVE BILLS THAT NEED TO BE PAID WITH THIS MONEY THIS WEEK AND ROBINHOOD WILL NOT GIVE ME ANY DIRECT ANSWERS. DESPITE THE PROFITS I MADE ON THIS ACCOUNT ON THIS SPECIFIC DAY, THE FUNDS THAT WERE IN THE ACCOUNT WERE CLEARED AND LEGIT FUNDS THAT WERE FROM MY MAIN BANK ACCOUNT AND DEBIT CARD. I HAVE READ MULTIPLE STORIES ONLINE IN REGARDS TO THE SAME ISSUE WHICH IS HOW I ENDED UP HERE FILING THIS COMPLAINT. I AM TERRIFIED THAT ROBINHOOD IS GOING TO RESPOND AND TELL ME THAT THEY CAN NOT VERIFY THE LEGITAMCY OF MY FUNDS LIKE THEY HAVE DONE TO THOUSANDS OF OTHERS AND CLOSE MY ACCOUNT. I DO NOT CARE IF THEY CLOSE THE ACCOUNT, I WANT MY FUNDS RELEASED TO ME FOR WITHDRAWAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. 
I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX My Social Security Number is : XXXX The Only Correct Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX I'm only employed at : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I am a victim of identity theft. Upon review of my credit file I found several inquiries not authorized by me. This creditor accessed my credit file without my knowledge or approval on XX/XX/year>.

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 2024-09-09 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: CA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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:
I HAVE LOOKED AT MY CREDIT AND MY SOCIAL MUST HAVE BEEN STTOLEN TO APPLY ANND HAVE ACCOUNTS THAT DO NOT BELONG OR HAVE EVER BELONG TO ME NOR HAVE I APPLIED PLEASE HELP - INQUIRIES - XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX ACCOUNTS - XXXX XXXX- NOT MINE - XXXX XXXX - NOT MINE XXXX XXXXXXXX - NOT MINE - XXXXXXXX XXXX XXXXXXXX XXXX NOT MINE XXXX XXXX XXXX XXXXXXXX NOT MINE - XXXX XXXX XXXXXXXX - NOT MINE XXXX XXXX XXXX XXXX XXXX- NOT MINE XXXX  - XXXX - NOT MINE XXXX  XXXX - NOT MINE - XXXX  - NOT MINE

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 2024-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
We had just purchased my pre-owned XXXX XXXX XXXX XXXX XXXX XXXX back in XXXX of this year XXXX. We were just getting organised with our new lender, Ally Financial, and barely received an invoice and all of a sudden a late fee was assessed in the amount of {$82.00}! At the time we had an unexpected family emergency resulting in an unexpected addition expense. I'd shared this reasoning for being late with Ally who's off-shore representative stated they will " submit my request to remove the late fee for review ''. This is the first time I'd heard of this given it was the first late fee and we'd only had one. Most lenders at the very least reverse one late fee. Instead, I've been given a hard time in addition to being interrogated as to why I was late etc. even though I'd already stated unexpected expense- I didn't feel I needed to go into the personal reason of a family emergency so when I'd mentioned that in addition today the rep said, " well that's not the reason you provided prior ''. WOW. Adding insult to injury here! I'm writing you to both inform you of how Ally is treating their customers. We already pay a premium in interest payments and their late fees are obscene. We'd appreciate assistance with having this removed. Also, it is very difficult to work with their off-shore reps- very difficult to understand them and they refused to transfer us to anyone in the United States . Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Roadrunner Account Services, LLC
State: AZ

Complaint narrative:
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 XXXXXXXX  **RE : Deficiency Notice for Incomplete or Inaccurate Reporting** XXXX XXXX To Whom It May Concern, I am writing to formally notify you of a deficiency in the information provided on my credit report. The report contains incomplete or inaccurate information that has not been addressed adequately, despite my previous requests for correction. 

" An account is listed as charged-off when it has been settled. '' I have previously submitted documentation to support my dispute, including However, the issue remains unresolved. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate, complete, and verifiable. I am requesting that you : XXXX. Conduct a thorough review of the disputed items. 
XXXX. Correct or remove any inaccurate or incomplete information. 
XXXX. Provide written confirmation of the corrections made to my report. 

Please address this deficiency promptly, as it is adversely affecting my credit profile. I expect a response and resolution within 30 days of your receipt of this notice, in accordance with the FCRA. 

Failure to correct the deficiencies may result in further action, including filing complaints with regulatory agencies or pursuing legal remedies. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: TX

Complaint narrative:
Commencing on or about XXXX XX/XX/year>, I fell victim to a multi-layered scam operation run by a group of scammers ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Kraken account to a fraudulent investment firm ( s ).

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 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX 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 personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened atXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, a personal phone account with XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collections account opened at XXXX  on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXXl on XX/XX/XXXX with a glance of {$61.00}, a collections account opened at XXXX collections on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. 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 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 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I closed my XXXX ( Wells Fargo ) XXXX back in the beginning of XX/XX/year> due to a unacceptable security breach and detestable, completely incompetent and downright disrespectful customer service. This financial institution does not even provide a phone number for their customers and blatantly disguise their atrocious behavior behind screens with cowardice. Part of the rewards program is gaining points to pay for your rent. I requested a rent check in the amount of {$96.00} on XX/XX/year>. After weeks of waiting for the check to be received in the mail, I was told via text, the only option of communication, to cancel check, which I cancelled on XX/XX/year>. I was advised to go into the app and request a duplicate check with a copy and paste boilerplate reply countless times by support staff. Due to the account being closed, I am unable to use this feature. It simply states that my account is delinquent despite having a negative balance of {$16.00} due to a credit that was added post pay period. After innumerable attempts of requesting assistance from this horrific company to retrieve my money, I am requesting help from you. I even went into the Wells Fargo branch near my home and they were extremely apologetic, stating this company has an atrocious reputation and they could not assist due to this being a partnership issue, not a Wells Fargo issue. In turn, XXXX is blaming Wells Fargo and refusing to take accountability for their shortcomings and abuse months later. I would appreciate if you retrieve a total of {$110.00} of my money that I have been fighting for the last few months and investigate this company for other fraud/wrongdoings that they are inflicting other on innocent citizens, who are trusting them with their finances and paying their rent to survive. They should be ashamed of their greed and heartless behavior during these times and should suffer the consequences.

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 2024-09-09 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: FL

Complaint narrative:
I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had 2 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my reports to this complaint on the following dates ( XXXX XXXX  XXXX XXXX, XXXX XXXX ). Im now requesting that you investigate this account and provide verifiable proof with records showing that I had a late payment. If this information can not be verified within 30 days then I demand these payments be updated to paid on time immediately. Thank you

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