vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is rating me as having a XXXX. They have refused to allow me to have this information corrected and they state they can not find my information

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is rating me as having a XXXX. They have refused to allow me to have this information corrected and they state they can not find my information

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 2024-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: OH

Complaint narrative:
XXXX claims I had service through them while I had service through XXXX. It is impossible to have two providers with one number! I also have bills that can prove such. Ive been trying to get this taken care of since XXXX with XXXX. They never fixed the issue then it moved to true accord and now has been going on for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XXXX XXXX I made a transaction for at trip. In the amount of {$920.00} this including fee. On XX/XX/year>XXXX XXXX XXXX texted me to say I needed to pay her an additional {$1300.00} for the trip I let her know her website charged the the full amount and if it was more the website should have started this and I wouldn't have booked it. I asked her to refund me and she started she would be keeping half. I let her know that's illegal. I then put in a dispute with my card payments and was told I need to get her to cancel. She has not responded to my calls or text, And she has not sent anything about the trip.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Hello! 
I was checking my credit report for the first time in a while and I noticed that there were a large amount of inquires that were not completed by me which is fraudulent and I would greatly appreciate if they could be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: MN

Complaint narrative:
I a a victim of the XXXX Data Breach and would like accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). I have contacted the bureaus multiple times within the last six months via Certified mail with all the required information to remove these accounts. I will include uploads of the documents.

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 2024-12-08 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: MN

Complaint narrative:
I a a victim of the Equifax Data Breach and would like accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). I have contacted the bureaus multiple times within the last six months via Certified mail with all the required information to remove these accounts. I will include uploads of the documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is rating me as having a XXXX. They have refused to allow me to have this information corrected and they state they can not find my information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently I have already reached out multiple times to address these issues directly with them. Their actions are in violation of my rights, and I am entitled to {$1000.00} for each of the violations outlined. They must either compensate me accordingly or remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: MD

Complaint narrative:
My check was stolen in the year of XXXX XXXX I was in XXXX In XXXXXXXX XXXX when it was stolen my payee at the time wss XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: MI

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX  pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express was paid in full for my accounts. After identity theft charges appeared, they did nothing to protect my account, my cards were maxed out by the person that stole my identity, and American Express refuses to remove the charges from my credit report even tho I have sent them an FTC report, Police Report and have disputed the information with XXXX multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am writing to request the immediate deletion of inaccurate information on my credit report as required under the Fair Credit Reporting Act ( FCRA ), Section 611. My personal information was affected by the XXXX data breach, and it is critical to ensure that only accurate and verified information remains on my credit file.

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 2024-12-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity there, there is different names and address 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 explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Background and Facts 1. XXXX XXXX : o On XX/XX/, I initiated a purchase of {$50000.00} USDC through my XXXX account. 
o The funds were to be drawn from my linked CapitalOne bank saving account, from which I had successfully executed similar transactions in the past. 
2. Transfer Confirmation : o On XX/XX/, my bank confirmed the successful completion of the transfer, and I received a confirmation from XXXX  that the funds had been credited to my account ( Reference Code : XXXX ). 
o The ACH trace number for this transfer is XXXX, and a bank statement confirmed the payment went through. 
3. Subsequent XXXX Actions : o On XX/XX/2024, I received an email from XXXX stating that the bank reversed the transfer and the deposit was not eventually received and that they would recover the amount from my assets. 
o XXXX XX/XX/2024, XXXX deducted {$50000.00} from my account. 
4. Bank Investigation Findings : o My bank confirmed that the original transfer of {$50000.00} was successfully completed to XXXX. 
o They also reported that there was a second attempt of XXXX to withdraw an additional {$50000.00} was made on XX/XX/2024, resulting in a decline ( R01 Code : Insufficient Funds ) due to the remaining account balance of {$21000.00}. This second withdrawal attempt was unauthorized and unrecognized by me. 

Issues of Concern 1. I am missing USD XXXX. Capital One claims they transferred money and XXXX  claims the bank reversed the payment and therefore they eventually did not receive them. 
2. After my initial request to make a transaction XXXX attempted the second an unauthorized transaction from my bank account for the same amount of money ( according to information I received from the bank ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Unsure of where this collections originated from. Never received any form of commutation from this company. The only reason I know of it is because it is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: CA

Complaint narrative:
I am writing to file a complaint regarding Citis handling of several disputes I submitted for transactions on my credit card. Despite following all necessary steps, I have encountered the following issues : 1. I submitted additional documentation via fax to support my disputes, but Citi failed to attach my documentation to all of my dispute cases. 
2. Citis responses to my cases were inconsistent. Even though I provided the same documentation for each dispute, Citi approved some cases and declined others without clear justification. 
3. I am unable to access Citis online dispute center to review or track the status of my disputes, further complicating the resolution process. 
Given these issues, I am requesting that Citi conduct another review of the disputes that were previously declined. I believe my documentation supports the validity of my claims and that these cases should be approved.

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
XX/XX/year> I paid half of my balance on the account in an effort to improve my credit score. {$2200.00} payment. synchrony bank acknowledged the payment and then denied having recived the payment back and forth 4 or six times. then they games with accessing or even discussing the account demanding my social security number and refusing to find the account based on the account number or my name, address, phone #. this is just data mining. then synchrony reported the account delinquent twice based on their internal confusion as to if they recieved the payment or not. synchrony still refuses to correct the record and is sending derogatory information to credit reporting agencies despite the fact that I paid off half of the principal. synchrony also refuses to negotiate a payoff and closure of the account. synchrony reports harmful misinformation to credit reporting agencies and refuses to correct the record. synchrony extorts account holders for personal information that they have no right to access by denying access to accounts and any ability to manage accounts. synchrony lies to account holders claiming they can't find the account based on the account number. lies, thievery, extortion, bullying ; this is not a bank its a criminal organisation.

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 2024-12-08 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Hello! 
I was checking my credit report for the first time in a while and I noticed that there were a large amount of inquires that were not completed by me which is fraudulent and I would greatly appreciate if they could be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: DISCOVER BANK
State: CT

Complaint narrative:
Hello! 
I was checking my credit report for the first time in a while and I noticed that there were a large amount of inquires that were not completed by me which is fraudulent and I would greatly appreciate if they could be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
My Robinhood has been locked and restricted since the XXXX of XXXX. It is now XX/XX/XXXX. 

I have XXXX $ in there that they have locked from me that is mine for some unknown reason. Originally it said once I turned in documents that the next day it would unlock my account. So I uploaded the documents that very day. 

Friday the XXXX of XXXX comes and it says they are reviewing my docs I submitted and they would get back to me on XX/XX/year>. 

So I waited then on the XXXX it said the second and on the second it said the third and it has just kept pushing back the review date and they havent let me access my own money. 

I called Robinhood and they make it so difficult to get a hold of the. I got in a queue for them to call my about my issue. They call me XX/XX/XXXX and ask me what the inquiry was about. I explained to them my account has been frozen and that the day my docs are supposed to be review the date just keep getting pushed back. 

Then she started asking me about crypto transfers I have been making and if I plan on making more transfers in the future. I answered all the questions and then they said that they would review the info and get back to me. Well since that Wednesday it still says they are in the process of reviewing everything but I turned in my necessary docs a long time ago and they are just holding money that is mine and not letting me withdraw it. Could you guys please resolve this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-12-08 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: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I sent details of inaccurate information to Experian to review with my current name and address attached and they sent me a email stating that the information was not me. I want to challenge wrong information and they are refusing to act on my request.

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 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
so on or about late XXXX a rep from " absolute resolutions '' called and at the time with a XXXX newborn my day is stressed so he begins to tell me " how do you want to pay '' so i told him I dont know what he is talking about and that I won't be paying him and to cease and that I dispute what he was claiming. he then seemed to get snarky so I told him to sue me if he really believes I owe him a debt he then told me to " haha be careful what you wish for '' and then hung up which i called back and got him again and issued him a cease a desist over the phone and he calmly agreed, now i am looking for a car for me my wife and baby and i am denied due to this collection account reporting from Absolute resolution Account number starting in XXXX XXXX, open XX/XX/year>, With the collection amount of {$12000.00} past due as of XX/XX/year>. 

I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ). Im also asking that you send your method of investigation, along with all records, as well as documentation that proves the account belongs to me. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My Bank of America Accounts, XXXX XXXX  and XXXX XXXX XXXX accounts were all drained of deposits ( including payroll/cash and business checks ). They are riddled with fraudulent deductions and debits. 
My identity was stolen and my XXXX! credit score was demolished. They are utilizing VR equipment to torcher, stalk, harass and obtain private information. My entire house was emptied out. I have millions of dollars in damages and have been continuously refused reports by XXXX XXXX XXXX. I have been brought up on false charges. I have names of several officers and their family and friends.

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