vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MN

Complaint narrative:
On XX/XX/21 I went to XXXX XXXX to buy a XXXX XXXX went to pay and it had said declined. I checked my bank account which had more than enough money in it to purchase the product. Got an email from my bank saying account has been been restricted for any account I cant make purchases withdrawals buy stocks etc. i contacted support they made me up load my id and do a live selfie to confirm it was me who called. If it was to confirm it was me who made that purchase it shouldve been as simple to text or call me. But my account is still restricted and this is where I get my pay check sent to and Im unable to get anything I need like gas food etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: KY

Complaint narrative:
I have been submitting a complaints requesting the TransUnion Bureau to REMOVE the FRAUDULENT ACCOUNT on my credit file that damages my entire score, with complete attachments of my personal information and FTC Report. I am a victim of identity theft, and under section 605b of the FCRA, the TransUnion Bureau is obligated by law to remove any items which were found to be opened due to identity theft. The dispute account does not belong to me. Nevertheless, the requests I have sent out were consciously DENIED & NEGLECTED which I considered being unprofessional on the Bureau 's end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the fraudulent account listed below : 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 non-monetary relief
Consumer complaint received 2023-07-22 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE BEEN DISPUTING THIS CREDITOR ON MY CONSUMER REPORT XXXX, WHICH IS XXXX XXXX, IT WAS BOUGHT BY XXXX XXXX XXXX THEN SOLD TO XXXX XXXX XXXX, I HAD RECEIVED A LETTER FROM THE XXXX XXXX XXXX WITH THIS SAME ACCOUNT ALSO XXXX XXXX XXXX STATING  THAT THESE ACCOUNTS WILL BE DELETED FROM MY CONSUMER CREDIT REPORTS. I AM NOT UNDERSTANDING WHATS THE PROBLEM I HAVE MY PROOF MY LETTER FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS STILL SHOWING AGAIN ON ALL THREE OF CRA, THE U.S.C . 1681 THIS IS A DEFAMATION TO MY CHARACTER AND LIVELIHOOD.

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 2023-07-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN DISPUTING THIS CREDITOR ON MY CONSUMER REPORT XXXX, WHICH IS XXXX XXXX IT WAS BOUGHT BY XXXX XXXX , THEN SOLD TO XXXX XXXX  XXXX, I HAD RECEIVED A LETTER FROM XXXX XXXX XXXX XXXX, WITH THIS SAME ACCOUNT ALSO XXXX XXXX XXXX STATING THAT THESE ACCOUNTS WILL BE DELETED FROM MY CONSUMER CREDIT REPORTS. I AM NOT UNDERSTANDING WHATS THE PROBLEM I HAVE MY PROOF MY LETTER FROM XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, IS STILL SHOWING AGAIN ON ALL THREE OF CRA, THE U.S.C . 1681 THIS IS A DEFAMATION TO MY CHARACTER AND LIVELIHOOD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Recieved within a week two debit cards from M & T bank notifying me of my new M & T debit cards and checking accounts. I contacted M & T, They noted they had caught these accounts and they sent me a follow up letter urging me to contact you and local police. Opening up random accounts at various banks has been happening for a few years ever since my local parking app was breached and information stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I am submitting another CFPB Complaint dedicated directly to Experian Credit Reporting Agency to kindly follow up the demand that they remove the remaining inquiries they are reporting on my Credit File. As much as I appreciate them removing a portion of the inquiries I previously disputed, I am a bit disappointed in seeing that my Credit file with Experian still indicates the unauthorized inquiries I previously requested for removal. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information, and I once again expect that my rights will be respected. I need Experian to remove the following inquiries completely from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX These Inquiries were not authorized by me nor anyone I gave authorization on my behalf and I am submitting this complaint to demand that the Experian Credit Bureau must remove these inquiries from my Credit File as soon as possible.

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 2023-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
About three months ago I opened the secured card with a {$300.00} limit. Cap one then processed a charge of {$1500.00}. I didnt authorize this charge and am shocked since the credit limit is only {$300.00}. Im also shocked because they call me if I buy a big gulp at a new XXXX but they didnt contact me for a large charge on a new secured account. 
As a result my credit utililization is over XXXX XXXX and i! am XXXX days late as i cant afford the payment. This has caused my score to drop by XXXX points. My innlrocess mortgage was declined and I am paying more for my car finance and car insurance. I cant find a rental with my new lower score I only wanted to rebuild my credit after thenimpact of XXXX and a bad divorce. Now I might be homeless

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My money got taken away and they charged me insufficient funds to my accounts to where I can not use my account anymore and they never called me back about this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Letter of Inquiry Removal Request under FCRA 15 U.S. Code 1681n Dear sir or madam, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to request the removal of certain inquiries from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681n. The inquiries in question were made by various institutions and are listed below : XXXX- Miscellaneous, Date : XX/XX/XXXX XXXX - Finance, personal - Date : XX/XX/XXXX XXXX - Finance, personal - Date : XX/XX/XXXX XXXX XXXX XXXX Finance other than personal - Date : XX/XX/XXXX XXXX XXXX - Miscellaneous and public record - Date : XX/XX/XXXX XXXX XXXX - Finance other than personal - Date : XX/XX/XXXX XXXX XXXX - XXXX - Date : XX/XX/XXXX I understand that the FCRA grants consumers the right to dispute and request the removal of inaccurate or unverified information from their credit reports. After carefully reviewing my credit report provided by TransUnion, I have noticed that the above-mentioned inquiries were conducted without my explicit consent or knowledge. According to the FCRA, credit inquiries should only be made with the consumer 's permission or for legitimate business purposes, such as credit application processing or account monitoring. In this regard, I would like to assert that I have not authorized any of the inquiries mentioned above, nor do I have any prior affiliations or business dealings with the respective entities. Given the circumstances, I kindly request that TransUnion conduct a thorough investigation into these inquiries and verify the legitimacy and accuracy of each one. If it is found that any of the inquiries were indeed made without proper authorization or valid business reasons, I urge TransUnion to promptly remove these inquiries from my credit report. To assist you in your investigation, I have enclosed a copy of my credit report with the disputed inquiries highlighted for your reference. Please provide me with written confirmation of the receipt of this letter and the commencement of the inquiry removal investigation. Additionally, I request that you keep me informed about the progress of the investigation and any outcomes that may arise from it. I understand that you are required to complete your investigation within 30 days of receiving this letter, as mandated by the FCRA. Therefore, I look forward to a timely resolution of this matter. Thank you for your attention to this request. Should you require any further information or documentation to facilitate the investigation, please do not hesitate to contact me at the provided contact information. 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 2023-07-22 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: MD

Complaint narrative:
Re : Letter to Remove Fraudulent/Inaccurate Credit Information I received a copy of my credit report and found the following item to be FRAUDULENT/INACCURATE 1. INACCURATELY REPORTING XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX By the provisions for the Fair Credit Reporting Act ( FCRA ), I demand that these items be removed from my report. 
On XX/XX/2023, it was ruled by a Judge and Jury that this loan had been rescinded, which solidified the cancellation and invalidation of its existence. As of XX/XX/2023, XXXX XXXX XXXX is fraudulently and inaccurately reporting this loan as pays as agreed which is in direct violation of the ruling of the Judge and Jury. 
Attachments regarding this item include : A copy of the legal response to XXXX XXXX XXXX Motion for Summary Judgement ( pgs. XXXX XXXX ) A copy of XXXX XXXX XXXX  denied Motion for Summary Judgement signed by Judge XXXX XXXX ( pg. XXXX ) A copy of the Judge and XXXX verdict sheet showing the judgement and its favor ( pgs. XXXX XXXX ) A copy of the comments from XXXX XXXXXXXX XXXX XXXX showing the judgment as contract rescinded ( pg. XXXX, verification can be obtained through XXXX XXXX XXXX Case No : 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 2023-07-22 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: NY

Complaint narrative:
A XXXX account was opened in my name in XX/XX/2022. I found this out when I received calls from a collection agency months later requesting {$1300.00}. I have disputed this account multiple times with all 3 credit bureaus, as well as XXXX with supporting documentation of a police report and FTC complaint. XXXX said that because I didnt know who did it and lived at this address that it wasnt identity theft. WHAT?! I tried all 3 ways of disputing : calling, mailing docs via certified mail, and online. XXXX and XXXX have both removed the account, but Experian will not remove it. I followed all of their procedures, going back to the police department for revised reports including the information requested and submitting documents over and over just for them to reject it. All other accounts on my credit reports across all 3 bureaus are in a paid/never late status. My scores were in the XXXX before this and now they have plummeted. This is NOT my account! This is hindering me from applying for new credit, moving, and even cost me a job opportunity. I dont see how its possible that an unknown person can just ruin your life and you have no recourse after going to the police AND the government! I now have to seek the help of an attorney. 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 2023-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC

Complaint narrative:
Recived message from app easy money to pay the loan that I have not applied, than credited an amount of XXXX, than requested to pay amount of XXXX than payed the amount, than again recieving calls from different numbers again to pay the loan that even I applied, now they got contact details and blackmailling me to pay the amount in unknown link

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase bank continues to place unnecessary holds on large deposits into my bank account. For example, my wife wrote a check to me for {$30000.00}. I deposited the check into my Chase bank account on XX/XX/23. The funds were withdrawn from my wife 's XXXX XXXX XXXX account on XX/XX/23. As of today ( XX/XX/23 ), Chase still has a hold on the funds in my account. The following message is displaying in my account online : " We need more time to collect the money from the paying bank so your deposited funds aren't available yet. '' This is 100 % not true. There is no reason why the funds should still be on hold in my bank account when the funds were withdrawn from my wife 's account 2 days ago. If the funds are not in my wife 's bank account and they are not in my bank account... where are the funds???? I need these funds asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I have been a service member for over 12 years in various departments of the XXXX. I submitted my PSLF application, while I was XXXX to the XXXX XXXX, under the limited waiver more than XXXX year ago. That form was never processed. I was told time and time again to wait it out- give them time- due to unprecedented high call volume. When I returned to the United States my wife was still waiting for her form to be processed too. She received notice in XXXX and was transferred from Nelnet to XXXX so I couldnt be far behind. However, a month after she was placed with XXXX I was placed with Nelnet instead. This to my family screamed a big red flag that my application was not processed. It was only the start of the nightmare I contacted FSA Great Lakes Nelnet and XXXX all by phone and email - after waiting hours on hold each time they all just keep pointing the finger at each other. Last month I was told to contact the XXXX department at XXXX who again had no clue how or where to recover my application. How do we fix this? Because the student loan companies surely arent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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 — Was not notified of investigation status or results
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE

Complaint narrative:
I am writing to file a formal complaint against USAA Federal Savings Bank regarding their failure to respond to a billing error I reported on my Credit Card billing statement on account numbers XXXX and XXXX. I initially noticed the billing error on XXXX XX/XX/2023, when viewing both the XXXX statement for the certificate of indebtedness on account XXXX and the XXXX statement for the certificate of indebtedness on account XXXX, and in accordance with the regulations outlined in 12 CFR 1026.13, I promptly sent a written notice to USAA Federal Savings Bank on XXXX XX/XX/2023 via United States Postal Service Certified Mail Receipt Number XXXX. Instead what USAA has done is closed one of the account ( s ) XXXX and continued to report negatively on my account. This has caused me great harm and has not allowed me to take job opportunities that could assist in me paying off debt to setting the affairs of my estate and be in good standing in the private and in my private life. I've also attached my credit report as evidence. According to 15 U.S. Code 1681n, any person or entity that willfully fails to comply with the requirements of the FCRA may be held liable for actual damages, punitive damages, and attorney 's fees, as determined by a court of law. The specific noncompliance issue in question involves USAA Federal Savings Bank 's unwillingness to send me an acknowledgment of my billing error notice. This action has had significant adverse effects on my rights as a consumer and has caused me undue financial and emotional distress. I've missed out on employment opportunities that could pay me XXXX XXXX more per year. I'm also aware that my account was/are held in a trust according to USAA Trust Indenture Agreement. I kindly request the CFPB to investigate this matter and ensure that USAA Federal Savings Bank complies with the billing error resolution requirements outlined in 12 CFR 1026.13. I also request appropriate action be taken to protect consumers and hold USAA Federal Savings Bank accountable for their failure to address my legitimate concern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: FL

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

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 2023-07-22 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: MD

Complaint narrative:
Re : Letter to Remove Fraudulent/Inaccurate Credit Information I received a copy of my credit report and found the following item to be FRAUDULENT/INACCURATE XXXX. INACCURATELY REPORTING XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX By the provisions for the Fair Credit Reporting Act ( FCRA ), I demand that these items be removed from my report. 
On XX/XX/2023, it was ruled by a Judge and Jury that this loan had been rescinded, which solidified the cancellation and invalidation of its existence. As of XX/XX/2023, XXXX XXXXXXXX XXXX is fraudulently and inaccurately reporting this loan as pays as agreed which is in direct violation of the ruling of the Judge and Jury.

Attachments regarding this item include : A copy of the legal response to XXXX XXXX XXXX Motion for Summary Judgement ( pgs. 1 23 ) A copy of XXXX XXXX XXXX denied Motion for Summary Judgement signed by Judge XXXX XXXX ( pg. 23 ) A copy of the Judge and Jurys verdict sheet showing the judgement and its favor ( pgs. 24 31 ) A copy of the comments from Maryland Judiciary Case Search showing the judgment as contract rescinded ( pg. 32, verification can be obtained through 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 non-monetary relief