vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 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: CA

Complaint narrative:
For the credit account XXXX  XXXX XXXX, there are inaccuracies for this account across all the 3 credit report which is in violation FCRA section 1681e ( b ). I am asking that this account be removed from my Transunion and XXXX accounts for this violation.

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 2024-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I paid my Lowe 's credit card in full XX/XX/XXXX, bill due the XXXX. previous balance was XXXX. Paid the XXXX XXXX XXXX XXXXI called an order In. Card was rejected. New card in mail I had XXXX recieved that had a different CVC number so no phone orders could be accepted. I called to find out what was wrong. Lowe 's credit card personnel told me if the new card. Told me to make a purchase I would have to physically go to store and my balance was {$0.00}. And asked if I wanted to increase my limit. .I asked if would pull hard check on credit answer was no. I was approved for an additional XXXX. 
XX/XX/XXXX no card received. I call XXXX XXXX. Still in Mail. Balance due by the XXXX of XXXX is currently {$13.00} XXXX I asked how they could do that and that I wanted this corrected ..I was told it's their policy. I told them that was insane. I asked for a supervisor and they were even more bold stating that's their policy and that as of XXXX XXXX they could charge whatever on whatever. I argued and made analygies to any other bill people receive and asked that the supervisor would like at the bill as a person for just a second and not an employee the tell me it's right ..they didn't ever consider the truth of this bill for Intrest on balance of 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 2024-03-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received {$1000.00} American Express eGift from my work back in XX/XX/XXXX. I have been able to successfully make two purchases with this card earlier this year in XX/XX/XXXX. However, now when I try to use my card at the same merchants it gets declines even though there is still {$960.00} left on the card. I have tried dozens of merchants with no luck. I've reached out to American Express support multiple times in XX/XX/XXXX to help resolve this issue. They told me they would be mailing me a check with the full amount and would be here within 3 weeks. It has now been 3 weeks and I have not received any communication from the company. After doing some research it appears that many people are having this same issue with no help from American Express. Here is the case # I filed with American Express to receive me refund : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-24 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: CA

Complaint narrative:
told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ), 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-24 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: CA

Complaint narrative:
told XXXX, XXXX, and Equifax to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/2023, I contacted Cash App support regarding canceled payments that were subsequently charged to my account. A customer service advocate named XXXX canceled the payments, as per Cash App 's policy to prevent fraudulent transactions. However, a few hours later, a significant amount of money was withdrawn from my account, resulting in a negative balance of {$580.00}. Despite requesting information from Cash App regarding the canceled payments, including transaction records, clarification on the reason for cancellation and subsequent charge, evidence of associated fees, and confirmation of actions taken to resolve the issue, the company did not provide any assistance or explanation. 

Cash App advocates have blatantly ignored my concerns, hung up the phone on me, and attempted to pressure me into opening a dispute, despite my discomfort with the process. When I refused to open a dispute, the company refused to further engage in conversation or address my concerns, leaving me feeling disregarded and frustrated. This lack of responsiveness and refusal to address the issue has further eroded my trust in Cash App 's customer service and commitment to resolving customer issues effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received approval for a credit card and upon its arrival, I attempted activation. Initially, I was prompted to scan my ID for identity verification, which was confirmed, yet my account remained restricted. On XX/XX/2024, I contacted customer support, who requested further identity verification via text message. Subsequently, I was instructed via email to submit my ID ( front and back ), proof of residence, and Social Security Number ( SSN ) card. Despite providing the requested documents, I was informed five days later that my ID could not be verified and was asked to resubmit the documents. After another five-day wait and no acknowledgment of receipt, I resubmitted the documents and received verbal confirmation of their receipt. However, on XX/XX/2024, I was once again asked to submit the same documents without any explanation for the repeated requests. 

This process has adversely affected my credit score due to three separate inquiries on my credit report. Moreover, I am concerned about the repeated transmission of my sensitive information, including my SSN, without any resolution or justification provided for the inability to activate my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I was pushed to buying extra products relentlessly. I am called every month asking to sign up for more services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: IL

Complaint narrative:
Erase all from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I made a deposit of {$11000.00}, only to find out later that the check was flagged as fraudulent. Consequently, my bank froze my account, causing significant disruptions to my business operations. With my account frozen, my employees were unable to collect their rightful wages, and several checks bounced, resulting in overdraft fees. 

Despite assurances from the bank, the funds have yet to be released. They indicated they would return the money to my clients, but this process has been delayed indefinitely. In an effort to expedite the resolution, my clients provided a copy of the cancelled check to demonstrate that the funds were indeed collected by the bank. 

Unfortunately, the situation has become increasingly frustrating as the bank now claims uncertainty regarding the whereabouts of the funds. This ongoing ordeal has not only impacted my business 's financial stability but has also strained the trust between myself, my employees, and my valued clients.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Trans Union, XXXX and XXXX XXXX  XXXX has opened. My account is no longer close. All of my everything delinquent is supposed to come off my account. Im going to attach a letter from the bank from 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 2024-03-24 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: CITIBANK, N.A.
State: OK

Complaint narrative:
i have a citi custom cash card that i used to purchase skin care items from XXXX on XX/XX/year>. However, the merchant sent the item to the wrong address and they have never tried to refund me the money nor send me the item. Until today, XX/XX/year>, i still have not received the item. Therefore, i disputed the charges and Citi being Citi took almost more than 2 months to complete this " investigation. '' Here is link to tracking https : XXXX? XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX You can see, the item has never been delivered. The last status of the tracking was In Transit to Next Facility, Arriving Late United States XXXX on XX/XX/year> XXXX XXXX. Even though it is clear as day with proof submitted that XXXX never delivered the items i bought nor refunded my money. Citi as usual backs up this XXXX company fraudster. In addition, i also reached out to XXXX customer service to fix this issue and they said " as a special arrangement, we can process a refund through your Credi Card but please understand that the shipping fee of USD XXXX will be deducted since we have fulfilled our responsibility to ship out the order in the first place. '' Which they have never honored until XX/XX/year>. CFPB should investigate this issue and penalize companies like Citi that is actively committed to support scam companies like XXXX XXXX. 

I'm attaching the correspondence between me and XXXX and i'm also reporting both Citi and XXXX to Oklahoma State Attorney General

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, Equifax and XXXX emblem XXXX has opened. My account is no longer close. All of my everything delinquent is supposed to come off my account. Im going to attach a letter from the bank from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX and Experian emblem XXXX has opened. My account is no longer close. All of my everything delinquent is supposed to come off my account. Im going to attach a letter from the bank from 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 2024-03-24 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: TX

Complaint narrative:
I am writing to seek the Consumer Financial Protection Bureaus assistance regarding unresolved disputes and potential legal violations by XXXX XXXX, XXXX XXXX XXXX, and the U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ), concerning the incorrect reporting and handling of my personal and financial information. Despite my efforts over the past 60 days to rectify these matters, my attempts have been persistently ignored. 
Accounts and Reference Details : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Legal Standards and Violations : 1. Fair Credit Reporting Act ( FCRA ) 15 USC 1681, Section 602 ( a ) emphasizes the need for consumer reporting agencies like XXXX and Experian to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. My right to privacy has been compromised through the sharing of my information without consent. 
2. 15 USC 6801 outlines the obligation of financial institutions to respect and protect the privacy and confidentiality of customer information. The entities in question have failed in this obligation. 
3. 15 USC 1681, Section 604 ( a ) ( 2 ) clearly states that consumer reporting agencies may furnish reports only under specific circumstances, including having written instructions from the consumer, which I have not provided. 
4. 15 USC 6802 ( b ) ( c ) and 12 CFR 1016.7 highlight my right to opt out of such disclosures, a right that was neither respected nor clearly communicated to me. 
5. 15 USC 1681C ( a ) ( 5 ) and 15 USC 1681s2 ( A ) ( 1 ) mandate accuracy in reporting and prohibit the furnishing of inaccurate information to consumer reporting agencies. 
6. 15 USC 1681e requires consumer reporting agencies to maintain procedures that prevent violations related to inaccurate reporting, a standard that seems to have been overlooked in my case. 
Request for CFPB Intervention : Given these unresolved disputes and the apparent disregard for my rights as a consumer, I am seeking the CFPBs intervention to ensure that these entities comply with the law by correcting the inaccuracies in my records, ceasing the unauthorized sharing of my information, and adhering to the proper legal standards for consumer information reporting and privacy protection. 
Your assistance in this matter is crucial for rectifying the adverse effects on my credit report and overall financial wellbeing. I look forward to your prompt action and am hopeful for a resolution that respects my consumer rights and the integrity of my personal and financial information. 
Thank you for your attention to this important 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 2024-03-24 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: CA

Complaint narrative:
For the credit account XXXX  XXXX XXXX, there are inaccuracies for this account across all the XXXX credit report which is in violation FCRA XXXX XXXX ( b ). I am asking that this account be removed from my XXXX and Experian accounts for this violation.

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 2024-03-24 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
My mobile phone was recently compromised and my phone number was transferred to another device. The hacker tried to apply for a loan or credit card with JPMCB CARD SERVICES. This showed up as a hard inquiry on my credit report. I've since frozen all of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: MD

Complaint narrative:
I did not authorize any of the below to pull my credit all bureau reported : XXXX XXXX XX/XX/XXXX equifax XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I deposited {$3700.00} cash into my account but upon. getting the receipt and balance, that did not reflect what my account says. Instead only reposting {$700.00} in my account. This is the second time ive had issues with citizens and im not waiting two weeks to get access to my money especially when I deposited cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am not liable for this debt with ccs XXXXXXXX XXXX XXXX, I do not have a contract with ccs collections, they did not provide me me with original contract as requested.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: LJ Ross Associates
State: IL

Complaint narrative:
Delete all derogatory items

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: IN

Complaint narrative:
I am part of the XXXX XXXX XXXX XXXX XXXX  group. I was supposed to have all of my loans XXXX by XX/XX/24. They have refused to get the loans off of my account, the loan service account, and my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: DE

Complaint narrative:
I am not aware of this debt. Penn Credit Corporation is to show proof that I received a 5 day notice before placing this collection on my credit report. This is a violation of my consumer rights pre the FCRA If this account is not deleted from all XXXX XXXX  bureaus within 10 days I will be seeking to file litigation. 


See documents in below in the attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
My Robinhood account has been restricted since XX/XX/XXXX. Robin Hood is not allowing me to withdraw my cash balance from my brokerage account of {$10000.00} I wanted to withdraw my money to move to a different platform. However Robinhood has restricted my account and the message states. 
Your Robinhood accounts are restricted due to a recent review. We'll notify you by XX/XX/XXXX Before this it said theyd notify me by XX/XX/XXXX, then it said theyd notify me by XX/XX/XXXX then it move to the XXXX when the XXXX came they moved it to the XXXX. 

I did some research online and discovered that Im not the only one who has come across this issue. 

Please help me

Company response to consumer: Closed with explanation