vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
On XX/XX/2023 my Google Pay account registered under the email XXXX was suspended for " suspicious activitiy ''. I was instructed to upload my ID and most recent payment method used on my account. I uploaded my ID multiple times, a phyiscal picture of both the debit cards on my account, and XXXX bank statements for the checking account on my account. Each time I was informed the documents could not be verified. 

I then recieved word from the XXXX team that my accould would have to remain suspended due to terms of service violation. I have had this account for years and not a single issue like dispute so I am not sure what terms of service they are refering to that I violated. 

Regardless I decided to withdraw the {$1800.00} in my Google Pay balance since they would no longer allow me to use my account. I was then prompted with a message saying " Something went wrong. Your account was suspended. Go to the payments page for more info ''. 

Since then I have had this same message every time I try to withdraw my money. Google pay closed my account for no reason and is trying to steal {$1800.00} from me. This is very upsetting. Please make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX XXXX. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: WI

Complaint narrative:
On XX/XX/XXXX I opened an email from my bank, XXXX, that a derogatory account was on my credit report. I went to Experian to review my credit and found a loan for over {$68000.00} with XXXX XXXX XXXX. I've never taken out a loan with XXXX XXXX XXXX nor do I currently have a vehicle with a lien against it. I contacted Experian and XXXX XXXX XXXX on Tuesday, XX/XX/XXXX to dispute this information. I have yet to hear a resolution from either of them. I also contact the auto dealership ( XXXX XXXX in XXXX XXXX, XXXX  ) where I believe my identity was used to purchase the vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously filed a complaint with CFPB in regard to XXXX negatively reporting on my Experian credit report. Experian blocked me from filing a complaint on this account with reporting # XXXX. This account was previously disputed and updated reflecting paid as agreed on account # XXXX. This information is reporting negatively since XX/XX/XXXX which was the last update on this account. This is a old account opened since XX/XX/XXXX and still impacting my credit score 90 day to 120 day past due. This account need to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: MD

Complaint narrative:
I need to access my Robinhood account because there are tax documents from the year 2021 that I need to access. The company has refused to allow me access to documents that I am required to have BY LAW with information that I need in order to fill out tax returns properly and in compliance with the law. By the same token, the uneducated employee who was helping me who I presume is XXXX XXXX who lists on his XXXX profile is the former XXXX XXXX XXXX XXXX, no longer works at the company and based on the terrible experience I had with him XXXX harassing me and reporting his egregious conduct to XXXX XXXX, their head of XXXX XXXX, I am not surprised at that. 

The proof attached is whenever I go to log into my Robinhood account, it says it can not log me in from the credentials I have provided. I will be attaching a screenshot of what I am getting when I try to log into my old Robinhood profile, the one I had for 5 years and told me I was allowed to have while I was studying in another country when I was preparing to leave in XXXX 2021 and then all of a sudden went back on their own word. That account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
Improper usage of incorrect addresses tied to incorrect accounts needs to be removed. Propagating false information on my credit report, and inquiries that has incorrect information and that I have knowledge of needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery placed a negative remark and debt collection on my credit report in XX/XX/XXXX. Since I am not indebted to them for {$6100.00}, I sent their registered agent, XXXX XXXX XXXX, a debt validation letter. They received this certified letter XX/XX/XXXX but have not responded to it nor have they stopped collection efforts - their negative remark is still on my credit report. Per FDCPA federal law, it is unlawful to report a debt without first validating it and further, collection agencies are required to provide debt validation when asked and to cease collection during that time. Portfolio Recovery is expressly in volition of 15 USC 1692g and has provided me with legal standing to sue if they do not act in accordance with the lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: VA

Complaint narrative:
Experian is reporting inaccuracies on my credit report regarding a fraudulent address ( XXXX XXXX XXXX, XXXX, Va ) and a fraudulent XXXX XXXX account number : XXXX. Experian has failed to delete these inaccuracies. I have proof from XXXX that this a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Ive Done just about everything to remove this Fraudulent collection and its still showing up! Ive contacted the Original Creditor, Filed FTC & Also 2 CFPB reports/ Upload copys of Reports to XXXX  and it continues to update every month its been 2+ years since Ive been trying to get this resolved WITH XXXX Credit Collections and using further measures moving forward. This collection has been hindering my Credit building and is frustrating because nothing seems to get done after Im told to follow certain steps to get 0 results!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I received a copy of my Equifax credit report, and I noticed some late payments on my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX BANK XXXX, XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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
Consumer complaint received 2023-01-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I previously filed a complaint with CFPB in regard to Navient negatively reporting on my XXXX credit report. XXXX blocked me from filing a complaint on this account with reporting # XXXX. This account was previously disputed and updated reflecting paid as agreed on account # XXXX. This information is reporting negatively since XX/XX/XXXX which was the last update on this account. This is a old account opened since XX/XX/XXXX and still impacting my credit score XXXX day to XXXX day past due. This account need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I received a check in the mail from Tower Loans. I understand that the check is a loan and I am obligated to pay. Since cashing the check, I have made a payment yet got behind. On XX/XX/XXXX, a XXXX gentleman comes to my door and asks my son to speak to XXXX XXXX. When approaching the door, I noticed an envelope in the gentlemen 's hand. He said he was with a tower loan and wanted to give me a letter. I advised them that I know I was behind and will pay them. I have had several loans from this company and have paid all in full, often before the contract ends. As he continues to try to talk and hand me the letter, I politely closed the door. He appeared to be leaving and I went to my bedroom ; however, approximately 15 minutes, my nephew came and handed me a letter from this XXXX guy. Furious, I contemplated not paying as anticipated, but went ahead and made a payment the next day or so. Today, XXXX, XX/XX/XXXX, I finally open the letter and it reads ... " Dear XXXX XXXX XXXX, Our records indicated that the amount you are past due is {$620.00}. Please call me immediately to discuss the situation. '' Considering my payment history on past loans with this company, I feel the visit was totally uncalled for and unprofessional. The gentleman expressed no empathy and was actually gigling as he knew I was embarrassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
A negative entry from XXXX XXXX XXXX XXXX  XXXX. I have been working with XXXX XXXX to get inaccurate entries investigated and removed from my report. After an investigation was conducted by XXXX XXXX the Foreclosure submitted by Third Federal Savings and Loan was removed, however XXXX and Experian still has the entries on my credit report. I sent a request through CFPB on other inconsistencies and questionable entries on my report that still have not addressed. I would like them to explain in detail how the XXXX XXXX XXXX XXXX can remain on my Account when it was removed by XXXX after they conducted an investigation. Why should there be XXXX different finding from each XXXX XXXX XXXX. This ends up causing problems for the consumers and ends up causing more inaccuracies. Why are there XXXX credit reporting agencies anyway? Trying to clean up the inconsistencies between XXXX agencies are costing me a great deal of money and is making matters for me worse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I deposited a check using mobile deposit. The screen confirmation told me that there would be a 2 day hold on my funds. I then received a subsequent e-mail stating that my funds would be held for five days. This additional hold has caused me not to be able to purchase food for myself or my family. I called Navy Federal and they stated nothing could be done because their security team does not work on Saturdays.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am the victim of an altered check deposited with Wells Fargo Bank and drawn on XXXX Bank. I am seeking reimbursement in the amount of {$9200.00}. 

On XX/XX/2022 I wrote a check payable to XXXX XXXXXXXX XXXX in the amount of {$6200.00}. The check was drawn my checking account with XXXX Bank. The duplicate check, indicating the payee was XXXX XXXXXXXX XXXX and the amount was {$6200.00}, is attached. 

The check was mailed to XXXX XXXXXXXX XXXX. On XX/XX/2022 I became aware that the check was stolen and altered without my consent or knowledge. The payee name was changed to XXXX XXXX and the amount changed to {$9200.00} ( attached ). I then contacted XXXX and completed the attached Affidavit of Unauthorized Activity ( attached ). 

On XX/XX/2022 XXXX, having learned that the altered check was deposited into a Wells Fargo Bank account, requested reimbursement ( attached ). 
The check was clearly altered and forged. The payee XXXX XXXX was not entitled to payment. As depository bank Wells Fargo is strictly liable for conversion of this stolen and forged check. As payee bank, XXXX Bank is liable for an unauthorized charge to my checking account. 

I have requested reimbursement from Wells Fargo Bank and XXXX Bank but they refuse to reimburse me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
On XX/XX/XXXX I checked my credit score and saw that my score had dropped significantly. After reading into my score, I saw that there was an account present that I did not open. And there was a charge of {$1000.00} to that account. I called the bank where that account was opened and explained that it was not me that opened the account. So, the fraud department at that bank told me that they closed the account, but I would have to file a fraud alert on the three major credit bureaus and then file a police report on Identitytheft.gov. Finally, I would have to send all this information into the bank in order to have the charge reversed and my credit cleared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have been a customer of wells fargo since XXXX. Since then there have been a number of transactions that they can not seem to justify. Pending and posted transactions that that do not add up to the total balance available once posted. As well as overdraft fees for payments that have already posted while available balance coverts posted transactions. Including multiple transfers to XXXX XXXX  2 most recently in the amount of XXXX each that were never credit to my XXXX XXXX once transferred but disappeared from my checking account. Wells Fargo seems to always have an excuse or justification for these things that do not make sense and leaving me with missing funds and no way for me to fight back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28 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: VA

Complaint narrative:
Experian is reporting inaccuracies on my credit report regarding a fraudulent address ( XXXX XXXX XXXX, XXXX, Va ) and a fraudulent XXXX XXXX account number : XXXX. Experian has failed to delete these inaccuracies. I have proof fXXXX  XXXX that this a fraudulent account.

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