vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My name is XXXX XXXX XXXX XX/XX/year> in XXXX XXXX. My address is XXXX XXXX XXXX XXXX pa I live for the past 3 years recently move to XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX XXXX, XXXX, transunion are been putting Collections on my name I reported them serval time thats the wrong birth date but they keep ignoring my letter no response to non of them has responded they put a wrong address as well that I do not live not recognized. That cause me to get places and finances stable due to they errors that caused me a lot. I have my passport to prove it.

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My name is XXXX XXXX XXXX XX/XX/year> in XXXX XXXX. My address is XXXX XXXX XXXX XXXX pa I live for the past 3 years recently move to XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX XXXX, Equifax, XXXX are been putting Collections on my name I reported them serval time thats the wrong birth date but they keep ignoring my letter no response to non of them has responded they put a wrong address as well that I do not live not recognized. That cause me to get places and finances stable due to they errors that caused me a lot. I have my passport to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
NCB MANAGEMENT SERVICES ( opened ) XX/XX/year> Amount presented {$5400.00} To my knowledge and understanding this company wasnt the original company the original company filed bankruptcy and closed the amount and this new company picked my collections up and reconsider my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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:
I just reviewed a copy of my credit report. I notice fraudulent accounts. Please remove these accounts from my report. They are hurting my ability to get credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: CA

Complaint narrative:
I have recently reviewed a copy of my credit report and noticed some inaccuracies with my report. Please remove all fraudulent accounts from my report. It is hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: IN

Complaint narrative:
In or around XXXX  2024 I sent a formal dispute to Wakefield & Associates for an amount of {$1200.00}, requesting that they verify the debt according the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) that is competent evidence bearing my signature, showing that I have, or ever had some contractual obligation to pay them the alleged amount. Wakefield & Associates have failed to respond to any request and have failed to verify or show any proof of any contract I have or had with them, violating Federal Law. They have made a negative mark on my credit report ( s ) for a debt I do not owe, further violating the FDCPA and the FCRA. I sent a second letter in or around XXXX  2024 further informing Wakefield & Associates they have violated state and federal laws by not responding in a timely manner to validate the debt, further violating FDCPA and FCRA. Attached are receipts that verify Wakefield & Associates signed for my letter on XXXX XXXX, 2024 and XXXX XXXX, 2024. They have failed to provide documentation to validate this alleged debt and have violated state and federal laws. Wakefield & Associates have violated both FCRA and FDCPA. The attached documents are receipts and letters of dispute sent to Wakefield & Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: NY

Complaint narrative:
i was contacted by phone in XXXX XXXX to take a XXXX loan which was used to pay off other bills. 

The monthly payment for the loan is XXXX. 

At the end of last year, I was advised by the IRS my taxes for XXXX and XXXX had not been done correctly. I will have to go on a payment plan in XXXX of XXXX to XXXX per month for 9 years to settle the balance due to the IRS. I had no idea the taxes were not done correctly. It was the fault of the tax preparer. 

The tax installment payments due are a force majeure/unforeseen event. I have asked BHG twice to revise the terms of the the loan to extend the time and lower the monthly payments to XXXX per month due to the force majeure/unforeseen event. 

BHG refuses. 

I need money to eat and therefore need the loan terms revised due to hardship. 

The loan terms are usury under the applicable Delaware law. 

XXXX per month for 7 years at an annual percentage rate of 20.99 % is usury. 

It is unconscionable that BHG refuses to revise the loan terms due to the XXXX  XXXX  event. 

I can provide documentation that supports all of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: MI

Complaint narrative:
I disputed the debt that was intended to be an obligation. During the process I asked for the debtor to provide the original contract. In return the debtor could not provide the original contract. The debt were erased from my credit profile but the debtor keeps coming back with intentions to collect in a contract I never made with this third party debt collector. It's a form of harassment and the debtor is harming my credit for a debt I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My interest rate was recently increased to 21.49 % This is despite my account being in good status. I attempted to contact Chase to request a lower rate and was advised that this was the lowest rate available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MO

Complaint narrative:
On XX/XX/year>, I received an email from Robinhood stating that a bitcoin transfer was on its way. This transfer was unauthorized. I immediately contacted Robinhood through their app and spoke with a representative who assured me that restrictions would be placed on my account to prevent further unauthorized withdrawals. Despite these assurances, {$5000.00} worth of bitcoin is still missing from my account. 

Since the incident, I have repeatedly contacted Robinhood, including daily calls and emails, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To date, I have not received any concrete answers or solutions, and no proactive communication has been made by Robinhood to resolve the issue. I have had to initiate all contact, repeatedly answering the same questions. Initially, Robinhood requested documentation, which I provided immediately, followed by further questions for their review team. 

On XX/XX/year>, I received an email from Robinhood concluding their investigation. They stated that I had fallen victim to a scam and, therefore, they would not restore any losses of assets. Additionally, Robinhood restricted access to certain features of my account, including crypto transfers and Peer to Peer services. This decision was made without adequate explanation or evidence provided to support their conclusion, leaving me without recourse for the unauthorized transaction. 

As a doctor with a busy schedule, I have taken significant time to address this issue. I invested my money through Robinhood because I trusted their platform, but this experience has severely shaken my confidence. The lack of a secure platform and adequate customer service response has been concerning.

Robinhood 's handling of this matter may involve breaches of several regulations, including the Electronic Funds Transfer Act ( EFTA ), Regulation E, FINRA rules, and the Gramm-Leach-Bliley Act ( GLBA ). Despite these legal obligations, Robinhood has not resolved the unauthorized transaction issue or provided a clear timeline for returning the missing funds.

I seek CFPB 's assistance to ensure that Robinhood complies with their legal and regulatory obligations, resolves this matter promptly, and prevents future occurrences. The resolution should include a full return of the {$5000.00} worth of bitcoin and a comprehensive review of Robinhood 's security and customer service protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
XX/XX/2024 I am not able to register debt from available credit of profile name on web page. I need a XXXX XXXX dollar line of credit or of funds made available to savings account from available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: TX

Complaint narrative:
XXXX XXXX XXXX  - {$3200.00} XXXX XXXX XXXX XXXX  {$1800.00} XXXX XXXX XXXX {$1400.00} These accounts do not belong to me.

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 2024-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent several letter to Experian, XXXX and XXXX to get XXXX XXXX Credit card account removed from my file. Ive sent FTC, alone with a police Report based off the documents that I sent the account was removed from all 3 credit bureaus. However the account Im referring to was reinserted back on my file.The account was open XX/XX/year> XXXX, XXXX and Experian have told me the account came back verified it cant be removed. I request what method was use to verify this account? I was told that cant.

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 2024-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc.
State: NV

Complaint narrative:
What good are you people if you don't solve these problems? There are several complaints about the same problem on your site. XXXX was for {$96000.00} and another for {$87000.00}!!! 
Mercury XXXX closed my account and will not refund the funds in my account. The total amount withheld by Mercury from my account is {$900.00}. Email on that account was XXXX. Requested refund. 
Email from them on XX/XX/XXXX : " Your account has been closed due to a breach of our Terms of Service and/or your Deposit Account Agreement. As a result, funds associated with your account are being retained by Mercury. Please be assured that we will promptly notify you if there is any change in the circumstances surrounding this closure. We will be unable to share additional details about this decision with you. '' No other explanation. Sent several emails after that, no refund. 
Please let me know when they will be SHUT DOWN!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : 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 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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
i was reviewing my credit report and noticed that my information was incorrect

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 2024-08-04 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: TX

Complaint narrative:
XXXX XXXX XXXX - {$3200.00} XXXX XXXX XXXX  - {$1800.00} XXXX XXXX XXXX {$1400.00} These accounts do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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:
XXXX XXXX XXXX  - {$3200.00} XXXX XXXX XXXX XXXX  {$1800.00} XXXX XXXX XXXX  {$1400.00} These accounts do not belong to me.

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 2024-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I entered into a settlement agreement with Citi on XX/XX/year>. The terms of the agreement is that my balance must be paid in full within 90 days of making the first payment which I made on XX/XX/year>. The full settlement amount must be paid by XX/XX/year>. During the 90 days, my account will be brought current and all interest and fees will stop. However, Citi is reporting to the credit reporting agencies that my account is still delinquent and I did not make a payment in XXXX. Initially, Citi did not report the XX/XX/XXXX payment I made. I have disputed the information Citi is reporting twice now. The first time I disputed it, Citi corrected the last payment date to XX/XX/XXXX. However, Citi did not update that my account is no longer past due. Citi is still reporting my account as 90 days past due with XXXX, XXXX, and XXXX showing as missed payments, even though I made a payment on XX/XX/XXXX and my next two payments are scheduled for XX/XX/XXXX and XX/XX/XXXX, which takes care of the full settlement amount and Citi scheduled and approved the payment dates and amounts. These payments meet the terms of the settlement agreement. Citi is reporting information to the credit reporting agencies that violates the terms of the settlement agreement which is outlined in two letters Citi sent me. After disputing this information twice, Citi still has not updated the status of my account to reflect the terms of the agreement. My account status should be current and should not show 90 days past due with payments missed in XXXX and 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 non-monetary relief
Consumer complaint received 2024-08-05 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:
Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I was gifted an Amex gift card with an amount of {$250.00} on the card. The card is supposed to be able to be used anywhere, like cash. I attempted to purchase a dresser from XXXX XXXX in the amount of {$110.00}. The card was already activated and still declined. I called Amex and they were no help. I then called XXXX XXXX and the card kept telling them there were insufficient funds. The amex website says {$240.00} is available balance. This card declines everywhere and is useless. Many people have reported this problem starting last year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
There were two with draw from two checks accounts and my discovered as saved it were an hinkers since I were on the there credit union navy feds..with a debit card I been casted closed over 7 years backwards ago ... him or her used a {$1500.00} the union allows and I were never tolded XXXX did only walked in for cash of {$1500.00} in person with XXXX i.d . displayed. Also I'm as for conviction sentence be heard in the courts of laws out XXXX XXXX Texas. There as is a long trial history of switching money from my account with asking how mush time needs for the defendants... .mostly over smoking XXXX XXXX cigarettes and my freedom of expression, etc..to asks..one courts been closed to from mis trusted outsider and them posted as workers in the network... heard recovering communication ... more information can be gathered from me the solution XXXX feds workers whom were rejected from the systems to capitalize in a XXXX way because I'm XXXX with the word no not one of my picks... nor I'm sorry. 
Civil rights violations. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: FL

Complaint narrative:
I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XX/XX/2024 XXXX XX/XX/2024

Company response to consumer: Closed with explanation