vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.

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 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
On XX/XX/year>, I wrote a letter to Concora Credit regarding charges I found on my XXXX statement were fraudulent. I never received a response. 

I get my XX/XX/year> statement, no adjustments are made and I made my minimum payment due. 

XX/XX/year> statement arrives, charges are STILL not adjusted, the account has not been closed as I requested and I'm accruing interest in charges that weren't mine. 

XX/XX/year> I wrote a 2nd letter requested a 2nd time to close the account, adjust the fraudulent charges and mail me a new card. No response again. 

It is now XX/XX/year>, no response has been forthcoming by the credit card company which leaves me with no resolution other than to file a complaint with CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I previously submitted complaint # XXXX under the category fees. I have now been forced to submit an additional claim as the collections department employees at Bank of America are giving me conflicting stories as to what the {$38.00} negative credit reporting amount actually is. One agent states they are late fees while two other employees tell me they are revised charge amounts under a zero interest credit card program although they never notified me of the revised payment requests. They go on to say they dont have to formally notify consumers of revised terms in such a manner consistent with e-bills or mailed statements alotting time to pay. For example, the supervisor said over a recorded line they finalized a bill on XX/XX/year> that was due by XX/XX/year> that would orherwise report me as 30 days late. The supervisor even admitted over recorded line a portion of the amount if from XX/XX/year> billing cycle even though XXXX is not even over. When asked to explain how that is even legal he said BOA is authorized to report 30 days past due given the type of accounting system they have. How is this legal in the United States? Its not and I need help making these practices public for all to see.

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 2024-06-20 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: IL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX I had discovered I had theft/violanted on my checking-saving accounts.The total amount was XXXX.The same day I notified Wells Fargo claims D.who documented claims.The claims D. advised me to close accountsXXXX Went to wells fargo spoke to XXXX XXXX closed accounts.I said what about C.C . XXXX told it would be fine. XXXX fraud on my C.C. Called fraud dept. letters from Wells Fargo stating the transactions were from an online secure session by me or someone that had my authority.I have never used XXXX nor did i give authority.Since XXXX until XXXX have been denied. It amazes me that when i was back in the bank on XXXX i wanted my zell removed I was told that it couldnt be by XXXX and XXXX but they could secure it.XXXX I received a letter from XXXX denied again but As of current im enrolled. I did not request XXXXThey want proof how am I suppose to provide proof when info was stolen from me..WFXXXX XXXX is not secure as the world is finding out. I have contacted the FTC, CFPB, XXXX, Governor, FBI, and local media. As of XX/XX/year> my funds are still not recovered.WF offered a mediator but have heard from anyone.

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 2024-06-20 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: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
In Accordance with the fair credit reporting XXXX account XXXX has violated my rights. 15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without written instructions. 15 USC section 602 states I have a right to privacy. 15 USC 1666B and 15 U.S. Code 1666a, states a creditor may not treat a payment account under an open end consumer credit 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 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello everyone, My name is XXXX XXXX XXXX and Ive been a Bank of America XXXX since 2018, I have experienced bad service at my branch location at XXXX XXXX XXXX on several occasions but have ignored it, Ive had reasons to take a cab to a different location just so my banking needs will be met professionally, the XXXX XXXX XXXX branch at XXXX XXXX seems to be cursed as it has consistently produced high school leavers and highly unprofessional staff, Today, I began my day by going to XXXX XXXXXXXX to cash my pay check and I strolled back to my bank at XXXX XXXX XXXX XXXX XXXX to deposit same money which I had intended to pay my rent with, I walked into the bank and proceeded to use one of the available and functional ATM machines with the ID number XXXX, I pulled out the money I had cashed at XXXX  XXXX, I carefully stacked the money and dropped it at the machine, I had a XXXX dollar note returned which I carefully placed back for it to be counted towards my credit, at that instant, the ATM machine froze both with my money and my ATM card ending in XXXX, I stood in shock knowing how much I wanted this money to pay for my rent, I called on the security guy behind me, a very nice young man who told me to let the bank know what had happened and immediately I saw a staff suited up walking out of the bank, I made hand gestures that I had money stuck in the machine, he shrugged it off and just told me to call the number on the ATM, I went into the bank and spoke to a staff working the front desk by the name XXXX, he lacked empathy, he cared less of my concerns as I wanted to speak with a branch XXXX to help me escalate my issue to get credit, he insisted I call a number he was even gon na write for me, I wondered for a minute if I mattered to Bank of America as a customer or some guy or if it has to do with the XXXX of my skin, I wound up calling the number on the ATM without the help of my branch where my trouble began, I was put on hold for about XXXX minutes and mind you, I was on a work time schedule and the last I heard was that it will take XXXX business days for me to get money that literally was in my hands and that just got stuck in your atm, To cut this story short, I am not interested in the corporate inefficiency and mediocrity associated with your bank but I know I have protected rights as a customer and I will not suffer this inefficiency for your organization to continue to open branches with high school leavers and emotionally disconnected people working for you, I will wait out this evening and tomorrow and the next time I will discuss this will be in court. 

Thank you so much and here is a picture of the ATM 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 monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
XXXX been paying on a loan amount of XXXX XXXX noticed the amount of the loan get higher as Im paying twards it. I was told they charge a crazy interest rate thats way higher than my state even allows their rate is 228 %

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX XXXX XXXX XXXX, I purchased {$49.00} in bitcoin with my Venmo balance that I had deposited money into with my bank account prior to purchasing the bitcoin. I was charged a fee of {$1.00} and given {$48.00} usd in bitcoin. I then, attempted to send the {$48.00} to another bitcoin address of mine, but was denied by Venmo requiring a {$65.00} minimum transfer of bitcoin. So, having no use for the bitcoin sitting in the wallet, I sold the bitcoin on XX/XX/year> at XXXX XXXX, with the understanding my funds would be available immediately as promised by Venmo. Once I submitted the transaction, with no for-warning or confirmation, Venmo informs me my funds will be credited to my account in XXXX days due to pending review. Mind you, less than XXXX minutes prior to buying the bitcoin, I submitted drivers license photo, a self portrait photo, and XXXX & XXXX, & successfully confirmed my identity. On XX/XX/year> at XXXX XXXX. XXXX time zone, I contacted a live agent at Venmo requesting the hold be lifted and my money returned immediately. They repeated that the money was being held for further review with no explanation as to why and given no resolution. I am not the first consumer whos had a very similar experience. Upon researching my situation I found many others with the same problem. It is believed Venmo abuses their practices by withholding consumers money to profit more in fees, and interest, specifically when the fees for bitcoin fluctuate, to gain profit off of consumers money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I filed a dispute with XXXX concerning the wrong amount owed being reflected on my credit report. This collection agency verified the amount owed and did not reflect the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: FL

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 15 U.S. Code 1681e ( b ) Accuracy of a Report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account [ XXXX XXXX XXXX - ACCOUNT # XXXX ] [ XXXX XXXX XXXX - ACCOUNT # XXXX ] Payment Status is not reporting correctly, Worst Delinquency is not reporting correctly, Current Balance is not being reported correctly, Original balance is not being reported correctly, Past Due amount is not being reported correctly, Date last active is not being reported correctly, date of last payment is not correct, this account is not accurate.

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 2024-06-20 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: Cascade CISS Holdings, LLC
State: OH

Complaint narrative:
Xactus LLC made an unauthorized hard inquiry on XX/XX/year>. This company did not have permission nor was it necessary as I own everything out right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood securities LLC has refused to release my remaining funds with their company. Stating that they can not verify the legitimacy of remaining funds in the accounts as the reason for withholding funds and restricting the accounts. Robinhood fails to review or provide communication regarding the documents I submitted to them multiple times that verify the legitimacy of source of funds. These documents along with a cover letter notarized by a chase bank notary provide answers and a resolution to the problem Robinhood has with verification of remaining funds. Im submitting this complaint in order to request a documented reason for the refusal to release funds after Ive submitted documents verifying the legitimacy of remaining funds. I have attached the documents that prove and verify the legitimacy of remaining funds with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have issues with my e-mail account through XXXX services, their billing a little confusing and complicated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: CO

Complaint narrative:
My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new 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 explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 explanation
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-06-20 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: MD

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal information names ( 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 XXXX XXXX XXXX and collection accounts at XXXX XXXX XXXX that appears related to the aforementioned personal credit cards, an auto loan account opened with 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 that appears related to the aforementioned charge. XXXX XXXX XXXX  account has resulted in fraudulent hard inquiries and fraudulent collection.appearing on my consumer credit report. Ive attached the 2 hard inquiries in question as well as a copy of my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Case # XXXX ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new credit.

Company response to consumer: Closed with explanation