vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I applied My venture credit by my passport and XXXX.And the credit card was approved by Capital one on XX/XX/XXXX XXXXThe last 4 dig of credit card number is XXXX.The credit card has {$99.00} annual fee. And it has welcome bouns XXXX point which I need to spend {$4000.00} before XX/XX/XXXX XXXX.But I found my credit card was restricted on XX/XX/XXXX XXXX.But Capital one request me upload the ID or driver 's license to unfreeze my credit card.I don't have car so I don't have the driver 's license.I am applying the ID.If the credit card need the ID or driver 's license, I would not apply for it. 
I would like to propose a fair solution for both parties.Firstly, I cooperate with the Capital one verification of my passport and ITIN.And I want to request to XXXX the welcome bouns expiration day to XX/XX/year>, just for a week. 
Secondly, I cancel the credit card.Capital one refund me the {$99.00} annual fee and the balance of credit card is about {$750.00}. 

Here is my phone number XXXX.Please contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I signed up for a checking bonus offer. Completed the requirement of direct deposit and bank has not issue the bonus. 
Im requesting the bank to complete the bonus XXXX took call and did not resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Block, Inc.
State: IA

Complaint narrative:
I used mobile deposit on CashApp on XX/XX/year> and was told in writing that the check would be available today XX/XX/year> and it is not in my account. When I spoke with customer service through chat they then told me it would be tomorrow and when I talked to them on the phone today they said up to XXXX business days. When asked why they lied about the deposit date the representative refused to answer and when I asked for a manager they told me there wasn't one and refused to give any more information. I would just like my money today like I was originally informed it would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted this credit reporting company about the account ( s ) listed on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreements to show full ownership of such accounts, proof of how they verified all accounts and also other documents so I may review to see if this is actually an account that belongs to me. 
ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
I have contacted this credit reporting company about the account ( s ) listed on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreements to show full ownership of such accounts, proof of how they verified all accounts and also other documents so I may review to see if this is actually an account that belongs to me. 
ACCOUNTS 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 2024-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
I reached out to Mohela when my loan didn't automatically get placed in a forbearance status due to REPAYE. They didn't due it in a timely manner and have a past due status still listed on my account despite my account now being in its accurate forbearance status. I keep getting calls about this past due balance which I assumed were scams but apparently they just messed up. I'm concerned that this has been reported to credit agencies and I would like to get this resolved ASAP. When I've called about it I get the run around or I get placed on incredibly long holds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
RE : Trafficking Block Request To whom it may concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to 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 explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: RANLife, Inc.
State: TN

Complaint narrative:
In XXXX I was in a car accident.Even though i wasn't at fault their Insurance refused to pay for a car rental, so we had to so my son could work it was {$450.00} a week. that made me futher behind in my house payments, I got a letter in the mail from my lender saying that if my payment wasnt made by XXXXmy house would be Auction off that day. I reached out to my lender and was told to talk to their legal group. i reached out to them told them what i had already told my lender about the accident and why i was behind.At that time I believe my back time was XXXX XXXX, I offerd XXXX XXXX, and told them it was all I had. They told me no. They then said I had to pay all of my back time and could not make any other payments untill I did that. Then I had A neighbor who wants to buy XXXX acer of land for {$18.00} XXXX { and still does }, We have been Trying to get my lender to do a particl release of my land so he could buy the acer and Ican keep my home. I even gave his banker written permission that my lender had me fill out to talk with them any time so they could get the land and I could keep my home. The lender kept stalling untill it was to late and then never told me anything even had me believeing they were still trying to get things worked out so the deal would go thru. untill yesterday XXXX when XXXX XXXX A counsler with XXXX called my lender with me and was told it was sold on XX/XX/year>. I have never recieved anything stating that. the amount of the land would have been more than what i owed with extra left over.I have Emails and doucements showing that i was lead to believe that they were trying to help but realy wasnt. I hope i did this right ive never realy worked on a computer before. Thank you for any help.Ps i also have a doc where they sent a gentalman to my house on XXXX wanting to give me {$3500.00} to move out by XXXX.I believe they meant XXXX.If it was sold on XXXX why did they do that? the lender wasnt awhere that happend When they was asked about 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 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate CITI XXXX THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation

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 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My Wells Fargo account was closed in XXXX XXXX XXXX but on XX/XX/year> I was sent a refund for {$710.00} by XXXX XXXX, the money was sent to the closed Wells Fargo account and has not been returned to XXXXXXXX XXXX  nor has Wells Fargo sent a check out to me for the amount.

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 2024-12-19 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:
Please review this complaint thoroughly, as it has been submitted intentionally and is of critical importance. My credit report appears to contain mixed or inaccurate information, including accounts, transactions, and items that I do not recognize or belong to me. This ongoing issue is deeply troubling, causing unnecessary stress and anxiety.

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 2024-12-19 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: IL

Complaint narrative:
On XX/XX/year>, I emailed their office requesting documentation and details regarding this account for XXXX XXXX XXXX. To date, I have received no correspondence from themwhether by email, phone, or mailregarding this matter. This failure to respond violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide validation of a debt upon request ( 15 U.S.C. 1692g ).

Additionally, this account has been removed from my XXXX credit report, subsequently added back without any explanation, and then removed again. However, it continues to be inaccurately reflected on my Experian credit report. This inconsistency is concerning and raises further questions about the legitimacy of this account and your reporting practices. 

Your failure to provide timely responses, validate the debt, and ensure accurate credit reporting may also violate the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report accurate information to credit reporting agencies ( 15 U.S.C. 1681s-2 ). The inconsistent handling of this account across credit bureaus is unacceptable and must be corrected 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 non-monetary relief
Consumer complaint received 2024-12-19 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: GA

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... 

Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I opened an account with Robinhood and deposited {$15000.00}. I made a couple purchases over a couple days. I was then advised to close the Robinhood account because they are terrible about putting accounts on hold and not allowing people to access their own funds. Robinhood allowed me to transfer back some of my money to my bank but then put my account on hold indefinitely. Robin Hood then requested docs from me to prove my identity. I provided everything they asked for : scan of my face, copy of my FL DL and my most recent bank statement. Robin Hood then posted a message my account should be released by XX/XX/XXXX. Today is XX/XX/XXXX and my account is still on hold. Robinhood just keeps changing the date this will be resolved. I have sent Robinhood several messages but still no response. I guess they are allowed to do this, as I see this happens to customers of Robinhood all the time with no recourse. This is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A NEGATIVE ENTRY WAS MADE TO MY CREDIT REPORT BY EXPERIAN, I SINCE DISPUTED THIS CLAIM AS I DO NOT KNOW NOR HAVE A CLUE OF THE COMPANY OR ITS EXISTENCE OR WHAT I HAVE MIGHT HAVE DONE TO OWE THEM MONIES. EXPERIAN COMES BACK TELLING ME THE REPORT WILL REMAIN OR I MIGHT PROVIODE MORE DOCUMENTS WHICH I BELIEVE IT IS THEM OR THE COMPANY IN QUESTION TO PROVIDE NOT ME. I HAVE A PRETTY GOOD CREDIT REPORT AND HAVE NO CLUE WHAT THIS MONIES REPRESENT

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 2024-12-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: CO

Complaint narrative:
repeated calls to collect even though a payment plan has been made and payments are being made. calls multiple times a day every day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report, FTC REPORT NUMBER : XXXX, to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 

The following information on my credit report is the result of identity theft or fraud and should be blocked : XXXX - XXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted EQUIFAX several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period.

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
I am filing a complaint against Transunion due to their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a cfpb complaint on XX/XX/XXXX which was ignored. The complaint id is XXXX. I sent a dated and time-stamped dispute letter on XX/XX/XXXX ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. Over 30 days have passed with no acknowledgment or corrective action taken by Transunion. I, XXXX XXXX, confirm that the following accounts were unauthorized and are to be removed from my credit report : 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 2024-12-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXXXXXX has violated my rights, This account does not belong to my name, it is listed as a corporate account, and therefore should not be on my personal credit report, is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act.

Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions

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