vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 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: SC

Complaint narrative:
SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: VA

Complaint narrative:
At XXXX XXXX on XX/XX/2020, I attempted to withdraw {$240.00} from my cash App card at an ATM Machine in a XXXX XXXX store located on XXXX XXXX XXXX, XXXX  XXXX, MD XXXX {$240.00} was taken from my account balance ( {$240.00} the amount I requested, {$3.00} ATM fee, and {$2.00} Cash App fee ). However, I did NOT receive any cash from the ATM machine. I have attempted to contact both Cash App and XXXX XXXX on numerous occasions and neither of them has got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2020, I sent the credit bureau a letter asking for proof of their investigation into a creditor that furnished untrue information on my credit report. I sent the letter certified which I have attached along with the letter, and according to USPS, the letter was delivered to the organization on XX/XX/2020. To date, I have not heard back from the organization. Since they already concluded their investigation, I find it odd that they have not responded back with their proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: AR

Complaint narrative:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX XXXX {$640.00} XXXX XXXX  XXXX {$8700.00} XXXX XXXX XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX $ XXXX XXXX {$590.00} XXXX XXXX  XXXX {$22000.00} XXXX  XXXX {$10000.00} XXXX   XXXX  XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: TX

Complaint narrative:
During the month of XXXX I initiated a dispute with Equifax in regard to the erroneous medical debt that has been placed on my credit file by specialized collection systems. Equifax is THE ONLY credit bureauout of all three that has allowed this erroneous collection to report to my credit file. Equifax has recently stated that they verified this alleged debt with XXXX XXXX XXXX, XXXX. This can not be true because this debt is invalid. 

In pursuant to the FCRA section609 ( A0 ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who verified XXXX XXXX XXXX XXXX. I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged balance being placed on my Equifax consumer file. All information in pursuantto the FCRA section 609 should be mailed to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: AR

Complaint narrative:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX  XXXX {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX XXXX {$640.00} XXXX XXXX  XXXX {$8700.00} XXXX XXXX XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX XXXX $ XXXX XXXX {$590.00} XXXX XXXX XXXXXXXX {$22000.00} XXXX  XXXX {$10000.00} XXXX   XXXX XXXXXXXX {$1000.00}

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 2020-08-05 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: AR

Complaint narrative:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX/XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$8700.00} XXXX XXXX XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX XXXX $ XXXX XXXX {$590.00} XXXX XXXX  XXXX {$22000.00} XXXX  XXXX {$10000.00} XXXX   XXXX  XXXX {$1000.00}

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 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XX/XX/2000 an erroneous auto bill payment ( from Wells Fargo checking account ) was posted to a closed personal loan account ( was paid off earlier ). The money was never " Posted '' to the loan and nobody can tell me where the money went. I keep getting passed from department to department.

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 2020-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2020, I sent the credit bureau a letter asking for proof of their investigation into a creditor that furnished untrue information on my credit report. I sent the letter certified which I have attached along with the letter, and according to USPS, the letter was delivered to the organization on XX/XX/2020. To date, I have not heard back from the organization. Since they already concluded their investigation, I find it odd that they have not responded back with their proof.

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 2020-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
On XX/XX/2020 I made a Financial Transaction between my Checking Account and my Trading Account ( Returned ). I also made a Transaction ( Credit ) after and hat also has not cleared. The Transactions were  Fraudulently tampered with by Federal Law Enforcement Agents through possible DHS FISA Surveillance Warrant. At this time through FOIA Request to the XXXX for confirmation of a XXXX Warrant I would like to File a Formal Grievance with your agency to investigate this matter on purely a Financial Transaction Investigations for possible Fraud. 

The Financial Transaction Fraud I believe was enacted in were from both my Checking Account [ Insufficient Funds ] and Trading Account [ Debit Declines and Withdrawal Errors ]. By the possible Fraudulent Activity that could have been enacted on a Federal Law Enforcement and I had to investigate XXXX Law Enforcement SurveillancXXXX or Counter Intelligence Operations. 

I am currently a XXXX XXXX Student. I worked in XXXX for the XXXX  XXXX XXXX and XXXX XXXX. The Checking Account [ XXXX ] is located in Washington D.C. with an office right next door to the Department of Homeland Security who are able to Electronically Surveil Americans only if the have a Federal FISA Warrant. At this time I am awaiting determination if my Checking Account has been compromised for Intelligence Gathering Purposes and or Counter Intelligence Operations. 

The other account in question is my Robinhood Investment Account. Robinhood is a XXXX Application that allows Traders to Trade Equities around the world. The possible Financial Fraudulent behavior that was going on that and was Debit Card Denials. Also withdrawals from the Robinhood Account have not made it to the XXXX XXXX Account as well. 

Given the Robinhood Trading Applications has Risk and Min Liabilities I took to Robinhood to remedy the Errors and they have to confirm correction of error. I have documented contact with the Platform, Copies of Transactions and Spread Sheets of all Trades [ Buy/Sell ] that have yet to correct. 

I will like your Agency to Investigate Robinhood and XXXX for possible Fraudulent Warrantless Counter Intelligence Activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/2020 I applied for a XXXX XXXX VISA Credit Card issued by Comenity bank. 

After filling out the application, my account opening table indicated I was approved for the XXXX XXXX Visa Card. I accepted those terms and conditions. I was also sent an email advising I was approved for the Visa card as well. Both of which I can provide as proof to the agency should you request it. 

Upon receipt of my welcome kit issued to me by Comenity bank, I received their private label credit card. 

I called Comenity / XXXX XXXX Customer Service multiple times to try and get this resolved and was unsuccessful in doing so. 

I am requesting that the agency compel Comenity bank to fulfill their contract terms and conditions in which we both mutually agreed to in consideration of which account type I was approved for. 

Please feel free to contact me with any additional questions or requests for supporting documentation. I look forward to your response and attention to this matter. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05 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: TX

Complaint narrative:
Upon review of my credit file I recently reviewed a collection reported by XXXX  XXXX XXXX XXXX. Experian has allowed this erroneous collection to report to my credit file. 
In pursuant to the FCRA section609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Experian. I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Experian consumer file. All information in pursuantto the FCRA section 609 should be mailed to XXXX XXXX XXXX XXXX XXXX, TX 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 2020-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I opened an account with TD Bank in XX/XX/XXXX. I thought I signed up for their auto bill pay in XX/XX/XXXX, I was wrong and accrued late payments until XXXX which I paid. At this point, I requested to be put on Auto Bill pay over the phone. Apparently I was not put on auto bill pay and continued to accrue late fees and missed payments. I called TD Bank to ask why I was not enrolled, the customer service representative could not answer my question and suggested I speak to a supervisor. I agreed and was waiting for a call within 24-48 hours. I never received a call. When calling back, I asked to speak to a manager on duty and according to the rep, there wasn't one. I was told to wait 24-48 hours again and once again, no call. I attempted this a third time with no luck. I filed a dispute with XXXX  but was not able to reverse the late payments due to " lack of evidence ''. They recommended I try contacting TD Bank again. I received a call from a collections agency on XX/XX/XXXX saying my account has been charged off. TD Bank has been unresponsive and uncooperative with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
The company ( Aargon Agency ) calls me repeatedly ( 5 to 6 times in a row ) before XXXX at times. I have asked them to stop as well as called and told them i am currently disputing as well as working on a payment plan I since i am in fact trying to work things out ), also I am asking them to give me some time and not continuously contact me which feels like harassment. I am attaching phone logs below.

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 2020-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sent them a second notice. They have not sent my title and the amount for the car has been taken care of and they have yet to report it to the creditors. They have violated rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
I have been called several time and continue to ask to be placed on the companies Do Not Call list. Don't keep calling me trying to reach someone else.

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 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My letter of XX/XX/XXXX sent to Citibank via both USPS and email has gone unanswered. I find Citibank 's complete lack of response unacceptable and therefore have instituted a complaint through the Consumer Finance Department. 

My letter ( attached ) clearly states that Citibank does not properly report my account history to any credit reporting agency. In fact, Citibank has been using my credit history ( FICO score ) to modify my credit limit, while at the same time failing to report my spotless credit history with Citibank. I say spotless, because since XXXX, there has never been a missed payment. There are no late payments to report. Spotless, but Citibank is not reporting it to my credit history with social security ending in ****.

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 2020-08-05 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: NJ

Complaint narrative:
I sent a letter to Experian disputing 3 account as erroneous on ( XX/XX/2020 ) and mailed them certified mail with tracking. Experian received the dispute on XX/XX/2020 and I have NOT received any investigation in reference to the erroneous accounts that are effecting my credit rating.I then sent a follow-up letter on XX/XX/2020, which they received on XX/XX/2020 complaining about them violating the law by not investigating the false accounts that are reporting inaccurately on my reports. To date, XX/XX/2020 they have not updated my reports reflecting my current disputes even though they received them. I want to also make a note that i contacted all of the Creditors directly to request a verification and have NOT heard any response from them as well, Except XXXX XXXX who removed the inaccurate account. I want to make it known that this is my final attempt to resolve this matter amicably before I pursue legal action against Experian, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX for non compliance with the law, damages for emotional and physical distress, statutory damages, and attorney fees and court cost.

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 2020-08-05 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: Franklin Financial  Corporation
State: WI

Complaint narrative:
To whom it may concern. I would like to file a complaint on these companies. These things should not be on my credit because I never signed a contract with them. I believe that I am being scammed, because I been paying on bills and I don't owe it to these particular businesses. Please assist me in these matter so that I can better my credit. 


XXXX XXXX Current XXXX Opened {$62000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: CT

Complaint narrative:
My account has been frozen. I was requested some documents which I promptly provided, but I keep getting requests for more documents which I have been providing since my funds are stuck in the account. I still do not have access to my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$3700.00} XXXX XXXX XXXX {$610.00} XXXX XXXX {$14000.00} XXXX XXXX {$140000.00}

Company response to consumer: Closed with explanation