vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
I've been a customer of coinbase for over 2 years. In XXXX I deposited {$1000.00} and then I got an email saying I'm no longer eligible for coinbase. I am to sell all assets and cash out to linked bank. Well the linked bank is closed and I'vebeen waiting for a response since XXXX from support and I keep getting the run around XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2023 XXXX XXXX contacted me regarding concerns of a credit card application that I was not aware of. They did not issue the card. Credit check was done. 

XXXX Bank of America did a a credit check and issued a credit card that I did not apply for. Bk of America have now closed the account. 

My credit score is being affected by these inquiries and card issuance.

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 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one has charged me XXXX percent interest that I've been trying pay back for over a year. They have never tried to help me and I've been calling constantly throughout the year. I pay XXXX dollars they take out XXXX. I would have been paid off but im still almost at max because they are taking out so much. I havent used the card in over a year as well, but since I was in a pinch a few years ago and maxed it out im being punished although I pay as much as I can every single month which meets the minimum requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank has put the the restriction on my credit privileges for now more than XXXX  years even after explaining that the merchant was rogue. 

And, Citibank still not ready to lift the restriction. 

But they have no issues allowing me to open a checking or savings account and make money out of it by lending the same money to their customer and ear higher interest on it. 

This is sheer case of profiling.

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 2023-12-22 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: ADP Inc.
State: MN

Complaint narrative:
On XX/XX/2023 the amount of {$900.00} was taken out of my account from XXXX merchant by the name of XXXX moble which I did not authorized. I contacted my Bank and they went through it but refused to give me my money. I have been on this for the past seven ( 7 ) months. This is my hard earn money and I will definitely want it back. My bank asked me to do a hand written that I did not authorize such transactions and I did but still I havent received my money. After making a follow up today I was again denied which is very bad I need my money. I hope the authority can look into this and let me have my money back because I worked hard for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I have contacted national credit systems, XXXX XXXX XXXX, which no longer exists, XXXX XXXX which is which is the entity claiming that that is a owed. I have been asking for specific dates of these alleged Money 's owed. I have spoken with XXXX who manages what what was once XXXXXXXX XXXX XXXX. XXXX stated that they have no records of my account as new ownership as well as new property management has taken over. I have left several messages for XXXX XXXX with no responses. I have requested that national credit agencyes reach out to whomever is making this claim however they refuse to do so. these items have been placed on my report and removed on several occasions each coming up with a different name and/or Place on my report useing multiple entitperiod I have been trying to remedy this since XXXX of XXXX items have been disputed by credit reporting agency and found to be untrue. Additionally, national Credit system hangs up on me after telling me that I'm wasting my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Upon contacting the company, they have declined to remove an item from my XXXX account that I never possessed. I have provided evidence that the item was returned to XXXX XXXX in XXXX, but they have refused to acknowledge it. Here is the proof from XXXX XXXX confirming the return. According to their policy, there is a XXXX window to return the item, which was indeed returned and received in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: IN

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
-- I have been receiving this attached postcard more than 5 times. Since it looks like the military statement issue is solved, I would like Experian to stop sending this same one. 

-- Email issues ( total 10 mails : From XX/XX/XXXX to XX/XX/XXXX at XXXX ) -The mail to ask me to remove the fraud alert, when I need to start to check and write the dispute to XXXX and other credit report companies. 

-One email that states the current address has been updated. After the removal of XXXX XXXX XXXX., I have never asked to update my current address, where I have lived about 20 years. Therefore, I wonder where I was moved from. ( XXXX ) -Loan offer ( XXXX ) XXXX -Credit offer ( XXXX ) XX/XX/XXXX -Insurance offer ( XXXX ) XX/XX/XXXX - dispute result ( 3 times ) -important information ( 2 times )

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 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ACIMA CREDIT, LLC
State: CO

Complaint narrative:
In 2020 my social was stolen and multiple accounts/loans were opened in my old name/social. I have been actively trying to dispute these items through XXXX. They will not budge and they keep calling my phone from a bunch of random numbers and harassing me asking for my social and to verify its me. Ive repeatedly told them my social was stolen and these debts do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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:
I can not accept the presence of public records on my credit report. It is causing significant anxiety and distress, and I implore you to remove them without delay.

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 2023-12-22 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:
I can not accept the presence of public records on my credit report. It is causing significant anxiety and distress, and I implore you to remove them without delay.

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 2023-12-22 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: MO

Complaint narrative:
Experian closed ANOTHER complaint without addressing the problem and yet again give explanations that are ridiculous and have absolutely nothing to do with the problem which is Experian NOW has stolen almost 19 months of on time never late payments to XXXX and refuse to give them back

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 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Relay Financial (US), Corp.
State: TX

Complaint narrative:
I opened 4 business accounts with Relay Financial ( relayfi.com ), the accounts were opened successfully and funded. I attempted to transfer the funds and the bank requested information on the transfer and I provided it. After review they indicated to me that all my accounts were going to be closed and I would be sent a check for the funds in the account ( XX/XX/2023 ). I was told the checks would be sent 3 weeks after the account was closed. I followed up XX/XX/XXXX and asked if the checks were mailed. They indicated to me that the account was closed on XX/XX/XXXX. I followed up again on XX/XX/XXXX that the check have not arrived and needed a ETA. I have waited an additional month after the arrival of the checks and send numerous emails to the support team without a response. I have also tried to call the support department and started to receive a busy signal. I learned that my phone number was blocked and I can only call from a different number or if I black my number from calling the support phone number. I have spoken with the support team and they indicated that the support team is researching and would be contacted. I have not received a response. The bank is holding over {$14000.00} of my funds that needs to be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: MO

Complaint narrative:
Experian closed 3 complaints without having addressed the problem which is Experian NOW has stolen almost 19 months of on time never late payments to XXXX and refuse to give them back and what's even more bizarre is the explanation for this in the attachment they explained they removed something from my account as relief YES YOU DID 19 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY

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 2023-12-22 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: Westlake Services, LLC
State: NC

Complaint narrative:
Westlake Financial Services has been reporting non-verified information to the credit reporting agencies without my consent. I have not given Westlake Financial Services MY written expressed consent to report anything to the credit reporting agencies. Westlake Financial Services has failed to procure documentation ( Sworn statement of verification or judgment ) that I, XXXX XXXX, owe an alleged debt to Westlake Financial Services .

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 2023-12-22 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: MD

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was scammed in XXXX of 2023 I made a report as soon as I noticed I was scammed. I was at a party and my phone, SS card, bank card, and credit cards were stolen. I got home logged into my bank account and saw XXXX {$500.00} charges I called the bank immediately as soon as I saw these unknown charges. When calling the rep stated it would be best to close my account and make a new one I said ok. A few days later Bank of America XXXX all of my accounts. I was going to the XXXX branch located at XXXX XXXX XXXX XXXX, CT to open new accounts such as a checking and savings I was told because of the banks decision I could not open new accounts. I then called XXXX and Closure and I was told I could not open new accounts for XXXX years or possibly I could never have another account with Bank Of America I have a MAJOR PROBLEM with this I WAS THE ONE WHO WAS SCAMMED IM THE VICTIM AND I CAN NOT HAVE AN ACCOUNT WITH WITH BANK OF AMERICA I feel this is cruel and incorrect please advise on what can be done to fix this. I ALSO WANT TO KNOW WHAT CAN BE DONE ABOUT ME RECEIVING THE {$1000.00} I was scammed out of by XXXX payment. Please email or contact me by phone on how this can be resolved. I would keep contacting by phone however reps are not clear on what I can do or what can be done about this situation.

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 2023-12-22 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: MD

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 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 2023-12-22 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: MD

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 non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Date : XX/XX/XXXX Amount : {$5000.00}, Action : I did an ACH transfer from XXXX XXXX  ( Checking account ) to my Robinhood account. This was initially requested from my Robinhood App. XXXX XXXX  processed the wire but got rejected by Robinhood on XX/XX/XXXX. 

I was expecting the transfer to bounce back to my XXXX XXXX  account, but that didn't happen. Therefore, over a week later, I contacted both their customer supports. 
XXXX XXXX  said that I need to file a dispute in order to have them further investigate. Robinhood told me they don't see the transfer and asked me to upload the screenshot of the message saying the transfer got rejected so that they can further look into this. 

Over a week later, XXXX XXXX  came back saying that they can't do anything since they don't see anything wrong. 
Robinhood never responded, I attempted to reach out to them multiple times through their XXXX support and no one has responded for over XXXX days. 

At this point I feel extremely frustrated as I still do not know which party holds the {$5000.00} and when I'll get back the cash. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: IN

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

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 2023-12-22 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: TX

Complaint narrative:
On XX/XX/2023, and XX/XX/2023, letters were sent exercising my right as a consumer and requesting that Transunion provide the information on file used to determine the completeness and accuracy of any information during this investigation in accordance with FCRA 609 [ 15 U.S.C. 1681g ].

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them.

Please remove any information that the creditor can not verify. In accordance with FCRA 611. [ 15 U.S.C. 1681i ], a consumer reporting agency by law, must complete this reinvestigation within 30 days of receipt of my letter if they have failed to do so. 
I have not received proper validation of the below-listed charge-off accounts. 

Please delete the below-unverified charge-off account from my TransUnion credit report. 

1. XXXX XXXX XXXX Acct # XXXX Amount of {$33000.00} 2. XXXXXXXX XXXX XXXXXXXX Acct # XXXX {$1700.00}

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