vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I wire transfer {$12000.00} from XXXX XXXX to Bank of America client. 
Quiet. Never received money. So I asked for a refund. But bank of america will not release 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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I comprehend that under FCRA 605B, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.

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 2024-04-09 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-04-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit fil

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 2024-04-09 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: CBC Companies, Inc.
State: MI

Complaint narrative:
There are several inaccuracies on my consumer report that i would like removed all names and variations of any names should not be present on my credit report under the name section I would only XXXX XXXXpresent on my consumer report. no other names. There are several non mailable addresses that I can never be reached at on my consumer report that i would like removed. only the address XXXX XXXX XXXXXXXX XXXX XXXXXXXX should be present on my account Accounts XXXX XXXX  Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX XXXX XXXX this account is listed as XXXX XXXX # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On XXXX this account is listed as XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as XXXX XXXX A Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that this inaccurate information be removed Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: OR

Complaint narrative:
I had unauthorized funds taken from my account. As soon as I noticed, I tried to file a dispute via there app, but these transactions did not give me that option, so after 2 days of calling I finally was able to file a complaint on the phone with an agent. I disputed the charges which were {$500.00}, {$500.00}, {$200.00}, {$100.00}, and there were 5 charges in the amount of {$20.00} each. These transactions were made on XXXX. XXXX, I reported them on the XXXX  of XXXX. The bank cancelled my card, and marked the charges as disputed. I asked for provisional credit, and the agent laughed and said they don't do provisional credits, if the dispute was in my favor I would get a refund at that time, and then went on to say the bank had 45 days to investigate my claim. I told them that the transactions showed the money was taken by XXXX XXXX, via XXXX XXXX. And considering that I don't even have a XXXX XXXX, or even have that app on my phone, it should be easy to see I did not make those transactions! 
This is a lot of money, and I couldn't afford to be this long without it! Looking at the declined transactions this person tried to get money off my card in several different transactions as well. You can tell it is fraudulent just by that alone! My dispute was denied immediately. I filed a police report on this person and they are still under investigation at this point. I have called and called customer service trying to get this figured out, they wouldn't give me any answers other than " it's being investigated. Then all of a sudden they froze my account which I believe had {$120.00} still in it. I called to ask that it be unfrozen and they wouldn't! And after that they were demanding that I send a pic of my ID and a selfie with me holding my ID for every call. Well my ID was stolen right around the same time these transactions were made for one thing, and for another I had not had to do this for the previous calls to customer service prior to this. Because of this they said they could not talk to me! I sent in a pic of the card the police officer gave me with the case number on it as well, and the bank never even changed it from denied back to disputed! 
Today I went online in hopes that their investigation had been completed and in my favor, just to find that they closed my account, and also kept the funds they had frozen! This is really not ok at all! I did nothing to cause this and I am being punished for some criminal stealing from my account!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
I began a cryptocurrency and stock investment account with Robinhood 2-4 months ago. Over these Months, I deposited {$72000.00} As I transfered some funds out, Robinhood froze the account, and asked for ID, Selfie, videos, bank statements. A service representative called. I validated every transaction. I provided all documents. 

a few days later, they said the accountn is canceled. No reason given. They sold my crypto and stock and are keeping my money. This has been since XX/XX/XXXX. 
They even took in deposits during this time, I didn't have a chance to cancel. 

I see on XXXX, they have done this to numerous people and kept the funds for 5 ( or more ) months. 

Please help. This is all I have. I am a career XXXX. I worked 12 hour shifts for that money. 

The BTC halving is in less that 20 days and I hoped to have the money reinvested. This is such abuse of power. 

I am really scared. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> approximately XXXX. I went to Chase Bank XXXX XXXX XXXX ( in the XXXX shopping center ). I exchange : - {$100.00} in XXXX- {$100.00} in XXXX- {$40.00} in XXXX- {$20.00} in quarters The Teller repeat the request and gave me XXXX rolls of quarter then proceed to count all the bills through the money counting machine. He then put all the money in an envelope and gave it to me. I trusted the teller and the machine so, I took the money without recounting it. When I took out the money to place in the eggs for XXXX XXXX XXXX I was short {$5.00} in XXXX dollar bill. I counted it over and over XXXX time before handing the money for my husband to recount. 
I called the branch office where I exchange the money, no one pick I call over 4 times and each time the message was they are busy with customers and to call the Chase XXXX Service. I spoke we XXXX of the customers service and was informed they are not at the location and for me to go to the location. I went back to the location and spoke with the Teller, I informed him I was short {$5.00} and for him count his drawer to see if it was over {$5.00}. He told me he willI never heard back from the bank. 
Its not about the {$5.00} that Im complaining. Its the principle of trust that I placed in the bank. Just how many more of these shortages that customers are not aware of.

Thank you in advance for your attention towards this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: TX

Complaint narrative:
I would like to express my deep disappointment and frustration with the ongoing presence of late open account on my record despite multiple attempts to have them corrected. 

This marks many time I am reaching out to address this issue, and regrettably, the late open account persist. This situation not only reflects poorly on your organization 's commitment to customer satisfaction but also creates unnecessary stress and inconvenience for me as a customer. 

Given the continued persistence of this issue, I insist on immediate action to rectify the situation. I expect a comprehensive response detailing the exact measures that will be taken to investigate and correct the late open account without further delay. Additionally, I request assurance that steps will be implemented to prevent similar occurrences in the future. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX : {$8900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Upon reviewing my consumer report, I have discovered ongoing unauthorized inquiries. Despite my prior communication with

Equifax and XXXX requesting a reinvestigation, regrettably, the matter remains unresolved to date. Equifax 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023
Please remove this inaccurate information from my credit report.

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report.

XXXX 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report.

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I comprehend that under FCRA 605B, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: NV

Complaint narrative:
The account mentioned was an identity theft and doesn't belong to me, I contacted the issuer and they closed and needs to be removed form my credit report. Thanks

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX | XX/XX/XXXX : Account number : XXXX, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX : Account number : XXXX, -. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Upon reviewing my consumer report, I have discovered ongoing unauthorized inquiries. Despite my prior communication with XXXX and TransUnion requesting a reinvestigation, regrettably, the matter remains unresolved to date. 

XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 

TransUnion XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-09 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: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation