vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: WY

Complaint narrative:
On Thursday XX/XX/XXXX I changed my card linked to Robinhood, I needed increased limits and went from my girlfriends bank to my newly opened bank. I removed her card and added my card and then they froze my account and are asking for bank numbers and statements, her name is on the old card and the 1st card we dont even have and is years old, so unsure even what bank it is. I feel if I provided the information from her card and my card they wouldnt approve it and would keep the {$500.00} I just put in there. After putting thousands they freeze it over XXXX I have 2 of the 3 cards in possession, nobody keeps an old card. Bank shredded it. I was recommended to you guys after prior users recommended me for similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
In the XXXX XXXX agreement it states that the annual fee will be XXXX for the first year and then XXXX each year to follow. I have had this card since 2017 and each year I have been charged XXXX annually, and not only that they have a monthly fee of XXXX dollars but each month I was charged XXXX with no balance on the card. Further more when I tried to apply SCRA I was informed there was no where to send my orders last XXXX. I can never access their we portal from a computer, the hold times only see to go up when I call and then I get transferred to dead air. I have been trying to get them to refund the annual charge and close the account as per the XXXX XXXX agreement, as I am with in 30 days of when they charged it to the account. Now I can not even get their card holder agreement to load big surprise.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
A class action lawsuit was filed and I did not know. I checked my social security number and it was exposed. I want to add my name to the list of class action and or back pay.

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 2025-02-28 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Given the negative impact on my creditworthiness, I am requesting the removal of these incorrect items from my report. 

Please let me know if you require any additional information to proceed with the investigation. I appreciate your time and assistance in resolving this matter. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Given the negative impact on my creditworthiness, I am requesting the removal of these incorrect items from my report. 

Please let me know if you require any additional information to proceed with the investigation. I appreciate your time and assistance in resolving this matter. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
Dear EQUIFAX THIS REQUEST WAS NOT MADE IN ERROR. In accordance with fair credit reporting act everything has to be 100 % accurate on credit report. EQUFAIX stated my account was properly investigated, but how is that possible if the payment dates is inaccurate, last active is inaccurate and date last reported is not accurate and late payment dates are inaccurate INFORMATION IS NOT MINES. EQUIFAX ALSO STATED they received the information from another 3rd party credit reporting agency and they are not reporting the same information. This is grounds for removal also violates my rights under 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions, also the credit agency took more than 30 days to complete investigation. 15 USC 1681-2 This account should not be furnished on my consumer as it is in VIOLATION!!!!!! 15 USC 1681b permissible purposes of consumer reports ( A ) IN GENERAL subject to subsection ( c ) 2 any consumer reporting agency may furnish a consumer report under the following and circumstances and no other, ( 2 ) In accordance with written instruction of the consumer to whom it relates I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a PROTECTED consumer. Per 15 USC 1681 c-2 Block and remove Per 15 USC 1681 ( 2 ) this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Hello, Im filing a complaint about a student loan that was taken out without my authorization through XXXX XXXX University. 

When I was a student at XXXX XXXX the first year I took out a school loan. Paid it all off. I then went for another semester which I paid out of pocket every month. Personal issues came up and I did not attend XXXX XXXX university ever again. I did express that to a XXXX XXXX that I would not be attending. It just now accrued to me my credit score dropped almost XXXX points because of a unpaid loan. I never authorized this, I paid off my loan and anytime I was there. 

Can I please get more information on this and please have it resolved? I have all the proof I need to show that this was not me who authorized the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NY

Complaint narrative:
Under XXXX5 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed late payments listed for my XXXX XXXX account. I have always paid this account on time and believe this information is incorrect. Please investigate these discrepancies and provide proof of any late payments, such as statements or records. If you are unable to provide evidence, I request that these payments be corrected to reflect my on time payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/year> I went to XXXX XXXX XXXX to update expired license plate, change address, get new license and tags due to state change from XXXX XXXX XXXX. They directed me to pay property taxes on vehicle and wanted to see copy of electronic title for verification. I called JP Morgan Chase and they proceeded to give me XXXX different stories. First they said they could provide a copy till end of business day and could not expedite my request even tho I was standing in XXXX and the lady at the counter said this is a simple request and the financer should be able to provide with no hassle. I tried to transfer to XXXX but they put me on hold and never returned. Then I called back and the next person said that the XXXX would have to send a request and they dont have my title but the XXXX XXXX XXXX has my title. I tried to again talk to XXXX and they proceeded to tell me that XXXX XXXXXXXX had to make request by fax. Honestly this was just a bunch of games they were playing. The woman at XXXX said she has never heard any of the sort and even went and got her XXXX and they told her that the financer should be able to send over with no problem. So I hung up and called XXXX XXXXXXXX and the lady in XXXX gave me exact info to give them to expedite process. Then I called Chase again and they told me it would be a month and it was a very long process and XXXX in XXXX will not get a copy. I want this company investigated for all the improper information being given to consumers. If you give your money and business to a company they should be thanking their customers for keeping their company goingnot yanking their cord when they are trying to get a simple matter taken care of. I am driving my vehicle with expired tags because of this nonsense I received yesterday and it could have been taken care of easily by sending a copy of my title electronically when I first requested it. At the very end I had to leave the XXXX because they were closing and I continued to talk to these people at JP Morgan Chase and the guy who claimed he was a supervisor wanted all my information to verify who I was including my ssn and wanted me to dictate every single letter in my address and then finally at the end said he would send a copy of my title to the XXXX sc. What the heck? So now today I have to go back again to the XXXX to make sure they received a copy of my title or play more games with Chase. I will never do business with Chase again because of this and I want their processes audited and their employees investigated for improper information and playing games with their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Given the negative impact on my creditworthiness, I am requesting the removal of these incorrect items from my report. 

Please let me know if you require any additional information to proceed with the investigation. I appreciate your time and assistance in resolving this matter. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding unauthorized transactions on my Bank of America account. Around 2020, I detected fraudulent activity in my account. I immediately reported these unauthorized transactions to Bank of America, filed a police report, and provided all the necessary documentation to support my claim.

Despite my prompt actionsincluding securing my account with a credit freezethe bank has failed to adequately address the issue or reimburse the funds that were wrongfully withdrawn. This lack of resolution has resulted in significant financial hardship and has left me vulnerable to further issues.

I respectfully request that the CFPB investigate this matter to ensure that Bank of America thoroughly reviews my claim, reverses the fraudulent charges, and implements more effective safeguards to prevent future incidents.

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 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX  I deposited my check into my savings account and, then now its held from me. I dont know why I literally got this pay from my previous job. They said it was going to be held for 7 days. ITS PAST SEVEN DAYS ALREADY! Chase bank violated the agreement that I signed saying that my deposits may be held up to seven days, its been a week. I got kicked out of my apartment that money was to pay my rent. And Im homeless now because of CHASE BANKS INCONVENIENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: KY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-02-28 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: KY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Chase Bank regarding their failure to properly address fraudulent activity on my account. Recently, I noticed unusual and unauthorized transactions on my Chase account, which I immediately reported. Despite taking all necessary stepsincluding filing a police report, freezing my credit, and providing all requested documentationChase has refused to take proper action to resolve this matter.

Their lack of assistance has resulted in financial hardship and potential damage to my credit, which could have been prevented had they acted responsibly. Given the severity of the situation and my compliance with all necessary fraud-reporting procedures, I find Chases handling of my case to be negligent and unacceptable.

I am requesting that the CFPB investigate this matter and ensure that Chase properly reviews my claim, removes any fraudulent charges, and prevents further harm to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: VA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) by re-aging XXXX XXXX collection account on my credit report. Despite my previous disputes, Experian has failed to properly investigate the issue and has instead altered the collection date in an apparent attempt to extend the negative impact of this account on my credit profile. 

I have disputed this account with Experian multiple times due to, first, an incorrect balance on the account and now an incorrect collection date. Despite these disputes, Experian has yet to report the account accurately, continuing to allow misinformation to persist on my credit file. 

The original date of first delinquency and the date this account was sent to collections was XXXX [ XXXX ], yet Experian has now updated the collection date to XXXX [ XXXX ], which is factually incorrect. This violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishers from reporting inaccurate information. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), any unverifiable or incorrect information must be deleted.

Experians failure to conduct a proper reinvestigation also violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit bureaus perform a reasonable investigation when a consumer disputes inaccurate information. Instead of verifying the accuracy of the account, Experian altered the collection date, further misrepresenting the accounts history and worsening its impact on my credit report. 

I have provided Experian with supporting documentation, including : The original XXXX bill showing the inaccurate balance they previously reported. 

A receipt confirming the return of all equipment, disputing XXXX claim of non-returned equipment. 

Documentation of my previous disputes with Experian and XXXX, demonstrating their failure to verify the debt in compliance with FCRA regulations. 

I appreciate your prompt attention to this matter and look forward to your response.

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