vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I want to withdraw money from my Robinhood Brokerage account to my personal bank account, but my app says Account is Restricted. I called Robinhood support 3 times today. The first call they hung after 30 mins when I was on hold. The second call, they hung after I was on hold for 20 minutes consecutively. The 3rd call I was transferred 5 times to different departments saying there is nothing that these agents can do. When I reached my last person, they send they would send an email to escalate my case, however I have not received any response. I have been given the run around too many times. Robinhood is holding access to my funds, and is refusing to remove the restriction on my account. As a result, I can not transfer my money to any account I have from the Robinhood platform. The case numbers I have are Case ID : XXXX and Case ID : XXXX The resolution would be Robinhood either removing the restriction, or letting me transfer money from my brokerage account to my personal bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: GA

Complaint narrative:
XXXX, Trans Union XXXX XXXX is reporting false harmful information on my credit report. They are reporting 8 missed payments with no dates from XXXX XXXX XXXX XXXX. I spoke with a representative at XXXX XXXX XXXX XXXX they are not aware of any missed payments everything is in good standards with no missed payments.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, XXXX XXXX XXXX Experian is reporting false harmful information on my credit report. They are reporting 8 missed payments with no dates from XXXX XXXX XXXX XXXX. I spoke with a representative at XXXX XXXX XXXX XXXX they are not aware of any missed payments everything is in good standards with no missed payments.

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 2024-05-28 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: CA

Complaint narrative:
This account is hurting Under the Doctrine of ESTOPPEL V GRAVENS ( MO ) XXXX XXXX, XXXX, I May Presume THAT no Proof of the ALLEGED DEBT, Nor Therefore ANY SUCH DEBT, In FACT EXISTS Please remove Immediatley XXXX XXXX  Open XX/XX/2024 Balance {$190.00}

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
Consumer complaint received 2024-05-28 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: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details  : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It is unacceptable to check my credit report and find all these violations. 

Remove all fraudulent and inaccurate account from my credit report. 
Block any information resulting from identity theft, as required by FCRA. 

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to legal remedies available 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 non-monetary relief
Consumer complaint received 2024-05-28 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: PA

Complaint narrative:
It is unacceptable to check my credit report and find all these violations. 

Remove all fraudulent and inaccurate account from my credit report. 
Block any information resulting from identity theft, as required by FCRA. 

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to legal remedies available under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: CBC Companies, Inc.
State: PA

Complaint narrative:
It is unacceptable to check my credit report and find all these violations. 

Remove all fraudulent and inaccurate account from my credit report. 
Block any information resulting from identity theft, as required by FCRA. 

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to legal remedies available under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: FL

Complaint narrative:
These two accounts are not my account. My rights are being violated. The address associated with this account is already proven to be fraudulent. Experian still verified the account as mine even though the address is pruning not to be my address. 
XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX 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 : States a consumer reporting agency can not furnish a account without my 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 crime 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 responsible costs 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 explanation
Consumer complaint received 2024-05-28 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: TN

Complaint narrative:
A credit collection XXXX XXXX XXXX  a company that bought a sold account and a 1099-C was filled with XXXX balance and then placed back on my XXXX account with a new balance that is against the law. I have called and sent letters to remove this inaccurate information. They have refused to remove the inaccurate information. XXXX has a habit of reporting and leaking incorrect information and not updating your account correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP
State: UT

Complaint narrative:
I have spoken to Key bank several times in regards to transactions not authorized that posted to my savings account without my authorization. Now they have charged overdraft fees which all need to be removed. XXXX stated they only will charge my primary account and I stopped using KeyBank with XXXX 7 months ago. So I dont know what happened to cause these errors with the bank. I have attached my documents to show these transactions shouldnt have posted to this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-28 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: PA

Complaint narrative:
I am writing to urgently address an ongoing issue regarding the collection accounts that remain on my credit report despite its settlement and for being unauthorized :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: NE

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: NE

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
These hard inquiries were on my credit report that I DID NOT apply for. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. After speaking with Experian they told me to file a report with 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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've never let this account 's payments become overdue, so I'm unsure why there are late payment marks. According to 15 USC 1666b, billing errors should be rectified.

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 2024-05-28 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: TX

Complaint narrative:
I am the author of this complaint and I have attached. 

I have been constantly disputing some fraudulent and unlawful accounts that are being furnished and reported to my credit report. The credit bureaus has said that the accounts were verified as accurate. I am requesting an explanation on how exactly these accounts has been verified and validated. 

One of the accounts, XXXX XXXX has provided me with an AUD form that they submitted to the CRAs with a request to permanently delete the account from my credit reports due to the fact that XXXX XXXX and myself signed a settlement release agreement form prior to arbitration, with the deletion being one of the terms of the agreement. I will attache both the settlement release form and the AUD form to this complaint XXXX XXXX XXXX, has been acting unlawfully in regards to how they are reporting to my credit report. They are in violation of the FCRA and FDCPA. Also, I tried to arbitrate this creditor but they will not honor the arbitration agreement in their terms and conditions. If they will not remove the account, I will have no choice but to seek remedy in a court of law. 

XXXX XXXX XXXX is reporting and filing frivolous lawsuits without properly validating the account or providing any documented proof with my signature on it showing my obligation to alleged debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX, I paid off my CitiBank Simplicity credit card by making a payment for {$3200.00} via my bank 's XXXX XXXX  system. It was not credited to my account, so by XXXX, I had my bank stop payment and I had a Cashier 's check made for {$3200.00} and mailed that on XX/XX/XXXX. Citibank then took my {$3200.00} payment, endorsed and deposited the cashier 's check and they issued a " conditional credit '' for billing period XXXX, then later reversed that credit. As of today, they have yet to credit my account and they continue to send ebills and charge interest. 
I have contacted CitiBank numerous times by phone, have closed the account and have sent the payment verification ( copies of endorsed checks for full payment ) 3 times Twice by fax and once by email.My personal banker has written a letter on my behalf. When I check to see the account has not been credited, I call customer service. I get put on hold ( often terminal ) and transferred around the obviously overseas call center. Then I am told that they are looking into it. Occasionally I get a letter saying that they are working on it, and in the meantime, would I like to make a payment. 
The last time I called on Thursday XX/XX/XXXX, I told them that if they are unable to credit my account, please reimburse the funds back to me. I just checked my account once again and I now have a balance of {$3700.00}. 
This is getting old and has affected my credit rating. Can you help?

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 2024-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
On the XXXX XX/XX/2024 I made a transaction of {$500.00} to a family member using Remitly. The transaction did not go through and the beneficiary did not receive the money. I have contacted Remitly on several occasions but have still not received my refund. I have submitted the bank statement from the beneficiary to them. I really need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: OH

Complaint narrative:
I sent this another complaint asking for help requesting that credit bureaus to reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date credit bureaus have failed to respond to my request. 

XXXX XXXX Balance : {$19000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account.

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 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Midland Credit Management failed to provide me with proof that I signed a written agreement directly with their company warranting them the right to collect payment.

In accordance with the fair credit reporting act, Midland credit Management violated my rights. 15 U.S.C 1681 Sect. 602 ( a ) states I have the right to privacy. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) also states that a consumer reporting agency may not furnish an account without my written instructions.

The following violations apply to five seperate accounts.

15 USC 1681 ( a ) Accuracy and fairness of credit reporting 15 USC 1611 Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

15 USC 1692 d ( 2 ) Harassment or abuse. The use od obscene or profane language the natural consequence of which is to abuse the hearer or reader.

15 USC 1692 c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt We did not request or authorize you to communicate via mail or otherwise for the purpose of collectiong alleged debt.

1. Attempting to collect on a debt in a location where I do not reside pursuant to 15 USC 1692b {$1000.00} 2. Failure to give prior consent for attempting to communicate pursuant to 15 USC 1692c {$1000.00} 3. Failure to provide notice of consent on initial communication pursuant to 15 USC 1692 ( k ) {$1000.00} 4. The use of language meant to harass such as select from these payment options to stop our calls 15 USC 1692 ( d ) ( 2 ) {$1000.00} 5. All this caused me mental anguish and stress so I am seeking damages pursuant to 15 USC 1692 ( k ) {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: MN

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with non-monetary relief