vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
in accordance with the fair creditor reporting act this creditor has violated my rights. under 15usc1681 section 602 states i have the right to privacy. 15usc1681 section 604a section 2 it also states that the consumer report agency can not furnish an account without written instructions. under 15usc1666b a creditor may not treat a payment on a credit card account under an opened consumer credit report payment plan as late for any purpose.

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 2023-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I found evidence that my crypto account had a negative balance many times. This only became viewable by me after my brokerage account had been deactivated. ( which occurred today ) This is proof that the funds have been commingled by robinhood as crypto assets are not marginable and are only custodied by robinhood. It is impossible to have a negative balance for an asset that you can't lend against and is supposed to be in custody. It is either in custody or it is not. It was not, which means they sold it, which means they were trading against me. Besides the negative balances, it looks to me like the balance was almost perpetually wrong at every single date that I check it for .... 

Again, this chart was totally hidden from me and the account closure exposed it ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I reviewed my credit in XXXX and noticed there was a credit card in my name for XXXX XXXX XXXX  and promptly called XXXX XXXX XXXX to advise them that there was fraudulent activity, and they advised they'd send a letter in the mail to resolve. They verified that it was fraudulent activity ( incorrect address, phone, etc. ) was used to open the credit card. I did not receive their letter to resolve. 

I am now trying to buy a home and it was flagged to me by the mortgage lender beginning of XXXX that there was a credit card by XXXX XXXX XXXX that was under my name. I promptly reached out to the credit card company again and let them know that I did not apply for a new credit card, and needed it removed immediately. Escalated to a supervisor to see if I could get an email with this information, they declined and advised I needed to receive the letter via USPS. I just received in the mail today and am inputting my request to be removed. It is reflecting on my credit report as a dispute and will prevent me from getting the lending I need ( FHA ). 

So, in short, I notified XXXX XXXX XXXX and they've confirmed it was fraudulent activity, that they've determined the application received is potentially fraudulent, and they've removed the application and stated it will not be processed further. I do need the action removed from my name and permanently deleted from any record as soon as possible, please. 

Fraudulent activity should be easier to resolve directly with organizations. 

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had noticed several suspicious transactions on my account, Wells Fargo had caught them and didn't let them go through. on XXXX and XXXX I received 2 notifications of XXXX transfers on my account for {$3500.00} and {$7500.00} and I denied the requests sent through text from Wells Fargo. After this had happened, I called and reported the fraudulent activity to Wells Fargo. Instead of changing my account number and login information, they just put in for a new debit card request. Within a few minutes I received a phone call from Wells Fargo Fraud claims. This person had to have been a Wells Fargo employee either current or ex employee. The Phone number they had called me from was the verified Wells Fargo phone number and they literally asked for all the same things Wells Fargo asks for on every phone call. I honestly feel as if this was an inside job from Wells Fargo. At this time my account should have been locked in order to prevent fraudulent activity but it was not, due to neglect from the employee I reported the fraud to. Instead the person I was on the phone with cleaned out my account with 2 wire transfers, one for {$6500.00} and the other for {$7500.00} totaling {$14000.00}. which was basically all of my money in my checking account. they left me {$35.00} in my account. After checking and seeing my account was cleared out, I immediately contacted Wells Fargo and they setup a new account number and login information which should have been done on the first call I made to report the fraud before it was committed. I just received a letter from Wells Fargo stating that they are not liable and I'm now out {$14000.00} I called to dispute and I got absolutely nowhere with them.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Basically, in looking at all three of credit reports. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. I have attempted to contact the three bureaus as well as the subagencies and the information has remained on my credit report file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to file a formal complaint against the credit bureau, regarding their failure to respond to my letter requesting an investigation and deletion of a medical collection account under {$500.00} on my credit report. It has been over 30 days. I sent the letter out on XX/XX/2023. 

As per the FDCPA guidelines, the bureaus are required to investigate and respond within 30 days. I haven't received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to file a formal complaint against the credit bureau, regarding their failure to respond to my letter requesting an investigation and deletion of a medical collection account under {$500.00} on my credit report. It has been over 30 days. I sent the letter out on XX/XX/2023. 

As per the FDCPA guidelines, the bureaus are required to investigate and respond within 30 days. I haven't received anything.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AUTOMOTIVE CREDIT CORPORATION
State: AZ

Complaint narrative:
multiple companies inquired my credit without my consent

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
account takeover fraud, ID theft, etc previously resolved with local police, FTC & XXXX per links below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please update to XXXX  balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months )

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, 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:
account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please update to XXXX balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, 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: CO

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account NumXXXX : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from 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 explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I signed up for an American Express card with a sign up bonus. When I called them to verify the bonus, they told me I signed up for a lower bonus amount but that I could cancel my card and reapply for the higher sign on bonus. 

I followed their advice and did so, only to find out that I was not eligible for either bonus because I already had the card ( which they advised me to cancel in order to get the higher bonus )! 

I've tried to get them to make it right and reactivate my card so I don't have an additional credit inquiry but they refuse to do so. 

I'm a XXXX XXXX and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed our Business account. We are a XXXX XXXX business. Among other customers, we serve low income communities that can only pay with cash, therefor, 10 % of our income comes through cash. Chase has decided to close our business account for no reason and gave us no explanation. Our account manager thinks it is because of cash payments. This sudden closure is a huge hardship for our business AND our customers. I might have to stop taking cash payments to prevent our account from closing again when we open an account with another bank, which will impact our most vulnerable clients. 

Our books are very clean. We know where cash is coming from and what is being used for, but, even though we have tried so hard to keep everything in order, the bank goes ahead and closes our account with no explanation, causing great problems for our business and customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Request for Correction of Personal Information on My Credit Report I am writing to bring to your attention an inaccuracy in my credit report. It has come to my notice that my credit report includes some outdated personal information, specifically old addresses and phone numbers. These inaccuracies are a cause of concern for me, as they may potentially lead to incorrect assumptions or conclusions about my creditworthiness. 


AddressXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA, XXXX Phone Number : XXXX I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information on my credit report. I am therefore asking for your assistance in investigating and resolving this matter promptly. 

Attached to this letter are supporting documents that substantiate my claim. These include [ list any documents that you have that support your claim, such as utility bills or a lease agreement showing your current address ]. 

I appreciate your prompt attention to this matter. Please let me know if you require any additional information or documents from me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Request for Correction of Personal Information on My Credit Report I am writing to bring to your attention an inaccuracy in my credit report. It has come to my notice that my credit report includes some outdated personal information, specifically old addresses and phone numbers. These inaccuracies are a cause of concern for me, as they may potentially lead to incorrect assumptions or conclusions about my creditworthiness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Phone Number : XXXX I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information on my credit report. I am therefore asking for your assistance in investigating and resolving this matter promptly. 

Attached to this letter are supporting documents that substantiate my claim. These include [ list any documents that you have that support your claim, such as utility bills or a lease agreement showing your current address ]. 

I appreciate your prompt attention to this matter. Please let me know if you require any additional information or documents from me. 

Sincerely, 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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to file a formal complaint against the credit bureau, regarding their failure to respond to my letter requesting an investigation and deletion of a medical collection account under {$500.00} on my credit report. It has been over 30 days. I sent the letter out on XX/XX/2023. 

As per the FDCPA guidelines, the bureaus are required to investigate and respond within 30 days. I haven't received anything.

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