vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Doxo, Inc.
State: FL

Complaint narrative:
I made a payment to my car insurance using the third party billing company, Doxo. The charge went through as a regular purchase with a delivery fee of {$13.00} imposed by Doxo. 
When I looked at my credit card account online ( XXXX ), I discovered the charge had been processed as a cash advance with a fee and approximately 21 % interest accruing daily. 
I immediately called XXXX who said it was the XXXX code that Doxo uses ( 6051 ) which shows the merchant is a mortgage company/non-financial institution/travelers checks.

When I called Doxo, they said that they had processed the transaction correctly, and could not help me. 
So here I am, a consumer stuck in the middle, with no assistance in resolving my issue. 
I have made several attempts to escalate my concern at both XXXX and Doxo. I have been denied the right to speak to a supervisor on several of my calls to both Doxo and XXXX. I have never been able to speak to someone who speaks English as a first language. Apparently, these people no longer exist. 
I am completely frustrated with the lack of professionalism by both companies. I finally got to someone who said he was a supervisor at XXXX, and he disconnected the call. 
Please look into the practices of both of these companies. 
I also would like to note that I fell into Doxo 's trap of making this payment thinking I was going directly through XXXX XXXX. When I googled " pay XXXX XXXX '', Doxo 's link came up as the number one search match. So I made the mistake of following the link. I will never make this mistake again! 
I have included a screenshot of the transaction as it appears on my online Citicard account, and a copy of the email I received from Doxo explaining that the problem allegedly rests with XXXX. 

XXXX XXXX XXXX XXXX XXXX Thank you for investigating my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
OK so in bed riddin and in and out of the hospital I have stage XXXX XXXX my health is declining fast. I mobile deposited a check into a account. Not knowing I had to pay to open the account they let the check go in it cleared and then told me that they're closing the account. And then explained to me that I had to pay XXXX dollars to open the account, I told them just send me the check back which they keep refusing to do so then I sent them XXXX dollars and opened another account that they're saying it's closed. Closing but will not give me my money. I tried to wire transfer. The money to my son 's account. Everything went through they called me, I verified the transfer and the next day they said it was cancelled by me which I never did. I just need my funds from this credit union, this is b-s, it's been going on for 4 months I'm very sick and I don't need this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid the account off as of XX/XX/year> and the closed the account as if XX/XX/XXXX. I then received an alert that my account was 30 day delinquent from the credit bureau. I called citibank and they sent me a letter confirming closure of the account as of XX/XX/year> but that the credit update was correct however the 60 day delinquent was removed for XX/XX/year>. Then XX/XX/year> I received another alert again I called and they assured me the information was correct but my credit report again was cleared as the account was closed. The 30 day delinquent showed for XXXX only then it was showing closed and in good standing closed. Now XX/XX/year> I received another alert again reporting that the account is 60 days delinquent for XXXX. XXXX shows 30 days delinquent, XXXX and XX/XX/year> show in good standing but XX/XX/year> has a 60 day delinquent and they are attesting the information is correct although I have a letter showing the account has been closed effective XX/XX/year>. This is dramatically affecting my credit

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
I am asking for your support in addressing the inaccurate account being reported on my credit report. This has affected my reputation as a customer, and I require your help to remove these accounts, as they are both incorrectly and negatively 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 2024-12-03 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: IL

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 USC & 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. These fraudulent, inaccurate, and false information consists of personal loans, credit cards and auto loans. Following accounts XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxx 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 2024-12-03 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: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a complaint regarding an issue with authorized user credit reporting. Over a year ago, I added my friend as an authorized user on several of my credit card accounts to help establish or improve their credit history. While the card issuers have confirmed that they are reporting the authorized user status to the credit bureaus, this information has not appeared on my friends credit report. 

This situation has persisted for over a year, despite multiple confirmations from the card issuers that the information is being reported correctly. I have contacted the credit card companies to verify, but the reporting still does not reflect on my friends credit report with any of the major credit bureaus. 

This failure to report is preventing my friend from building their credit profile, and we have exhausted all options with the credit card issuers and the credit bureaus themselves. I am requesting your assistance in investigating this matter and ensuring the accuracy of credit reporting in this case. 

Please let me know if additional information or documentation is required.

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 2024-12-03 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: IL

Complaint narrative:
I am requesting your intervention to resolve the issue of an inaccurate account on my credit report. This has harmed my reputation as a customer, and I urge you to remove these accounts because they are falsely reported and damaging.

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 2024-12-03 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have received a hard inquiry thats damaging my credit ALLY FINANCIAL Auto Financing department On XX/XX/2024 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Transunion for failing to comply with the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/scrub> 2024, I mailed a dispute letter to Transunion via USPS certified mail tracking number XXXX, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. According to USPS tracking, the letter was delivered to Transunion on XX/XX/scrub> 2024. 
Despite my detailed and clear request, I have not received any investigation results from Transunion. It has now been more than 30 days since my submission, and no communication or resolution has been provided. 
According to the FCRA, credit bureaus must conduct a reasonable reinvestigation when the accuracy or completeness of any item in a consumer 's file is disputed by the consumer. Transunions failure to investigate my dispute violates my consumer rights under the FCRA. 
I am including a copy of my original dispute letter to Transunion and proof of delivery via USPS certified mail as evidence.

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 2024-12-03 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: CT

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-12-03 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: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). ''

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 2024-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I got an alert of XXXX purchases early in the morning which I did not approve or did, I called customer service immediately to report the charges made on a home depot in Colorado they also changed my Address and email at that time, some one order online, I reported the charges as soon as they happened and they still said it was me who made the charges, I explained to them that I have never been in Colorado and I live in Arizona, I have never used my credit card near Colorado but they did not want to help me and still charged me for the XXXX purchases made in Colorado, this was never resolved I spend hour and hours calling them, I even had to fail work in order to call them since they can only answer me during office hours and I work office hours. 

I never got this resolved and I ended up paying this, I need help resolving this and getting my money back that I works so hard to get. 

The purchases where as follows {$810.00} and {$1300.00} both made on XX/XX/scrub>/2023, I called them that morning at around XXXX XXXX  my time in Arizona, and I told them this was not me and to cancel them immediately since I was being ID fraud by someone in Colorado based on the information provided by the rep and also since they changed my address online to a Colorado address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-03 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: MD

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-12-03 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: CO

Complaint narrative:
COMPANY : ROBINHOOD Since XX/XX/year>2024, I have been actively engaged in cryptocurrency trading. Subsequently, I made significant investments in the currency. However, upon discovering restrictions on my trade and transfer options, I promptly initiated contact with their support team to address this issue. 
Despite receiving a phone call that I was unable to answer, I have also received several emails containing instructions on how to call in and provide the case ID mentioned in the email. Unfortunately, these attempts have proven ineffective. The AI agent can not confirm these IDs. The emails redirect users to a link that does not function, prompting them to initiate a callback. 
If fortunate enough to connect with a chat agent, they promptly dismiss the support chat if the user is not available as soon at the agent joins the chat. Additionally, there is no notification sent to the device from the app indicating that an agent is ready to assist. 
On XX/XX/scrub> 2024, I was finally able to connect with a chat agent over the phone to discuss the verification process. Unfortunately, the agent transferred me to a hold line where I spent an excessive four hours waiting for a representative before the call ultimately failed. 
Having exhausted all the resources provided by the support team, I have been unsuccessful in verifying my account and withdrawing my entire assets. As of today, XX/XX/scrub>, 2024 I have still received any correspondence from Robinhood in regards to my account restriction and have current cash assets totaling {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation