vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Beginning in XX/XX/2023, the company changed its terms of service agreement to force all clients to submit to a third-party application for verification. Demanding submission of facial biometrics in the form of a live selfie pictures. As well as numerous request to have both your drivers license or passport identification to gain access to the account. The company then used this new terms of service, that I did not agree to, to lock me out of my account. Demanding that I must set up an account with a third-party company in order to gain access to any of my financial records. Since then, I have sent daily emails to the listed email addressed, requesting a supervisor to contact me or to be given a phone number or address to the brokerage so that I can submit financial paperwork to change my portfolio to a different brokerage. Nothing has been sent to me. Continue to get the same generic copy and pasted response telling me to login and submit to the third-party application A selfie photo and numerous copies of my identification. 

And then referring me to the company website to login before I can get information on who to contact for assistance. Of course I am locked out and I can not request any assistance. 

I have asked who the registered agent is so that I can submit lawsuit paperwork as there is nothing listed on the website. 

I have asked daily since XXXX for a supervisor or anybody to contact me to help resolve this issue. Not a single response was given as to how to rectify this issue, other than submit to the third-party applications term of service. 

I do not trust Robinhood or the third-party application with my personal data. I would like to close my account and move my portfolio to another brokerage. This includes the money I have deposited with them. They have made it absolutely impossible to talk to a live agent. They failed to disclose an address to send paperwork to. 

I do not appreciate the sudden change in terms of service without proper notification. Because of their demands, I have lost money. I desire prosecution on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: IL

Complaint narrative:
I am filling this complaint to bring to your attention that my credit file contains a collection entry from your agency. These accounts have no monthly historical data. I know that under to 15 U.S. Code 1681i Compliance protocol, these must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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 have sent several dispute to them to delete this inaccurate account from my credit report for violations 15 US 1681 ( a ) Also this account was charged off on XX/XX/23 still showing late payments since then also last payment is incorrect reporting. I want this account removed and no longer reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: GA

Complaint narrative:
I have sent several dispute to them to delete this inaccurate account from my credit report for violations 15 US 1681 ( a ) Also this account was charged off on XX/XX/23 still showing late payments since then also last payment is incorrect reporting. I want this account removed and no longer reported

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 2023-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
XX/XX/2023 Venmo froze my account and requested that I send in my identification. I uploaded my State identification and Social Security card as requested. On XX/XX/2023 I received an email that my account has permanently been suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: IL

Complaint narrative:
I want to draw your attention on these accounts which are erroneously being reported as late payments on my credit report, despite the fact that I have consistently been a responsible and long-standing customer with a history of on-time payments.

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 2023-11-22 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: DISCOVER BANK
State: NJ

Complaint narrative:
I was charged {$600.00} by XXXX on XX/XX/XXXX for a massage table. I received the incorrect item. I contacted XXXX who then sent XXXX to my home to collect the massage table and XXXX left me a receipt with a tracking number. After about XXXX weeks, I called XXXX to find out where my refund was and they stated that I would have to wait 60 days for a refund. As far as I know that is not legal, and XXXX suggested that I dispute the charge on my credit card. So thats what I did. I provided Discover with everything Needed to show proof of return and proof of wrong item being sent to me to begin with. XXXX then reply to that dispute with XXXX pieces of paper actually showing the tracking number and that they received the return, so I am unsure as to why Discover is refusing to find in my favor, but they said theres nothing else I could do. I called XXXX and they said that I only had 30 days to file an A-to-Z claim, which I was not offered back in XXXX. It has now been around XXXX months, so I am unable to get a refund from XXXX and Discover is refusing to resolve the dispute in my favor. Again I have proof of delivery, however, the tracking number is no longer valid after 120 days on ups.com but you can still call them and they can verify delivery. Plus I have screenshots showing that it was delivered back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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 XXXX  was paid in full but still reporting on my credit report as charge off. And not a paid charge off. I have two complaint numbers still reporting the in correct information. XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: NCB Management Services Inc.
State: FL

Complaint narrative:
As I already reported via telephone, I am a victim of identity theft. I have recently learned that my personal information was used to open an account at these companys. I did not open these accounts and I am requesting that the account be closed and that I be absolved of all charges on the account. 

Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of application and business records in your control relating to the fraudulent account and/or transactions. A copy of the relevant federal law is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: Block, Inc.
State: VA

Complaint narrative:
I opened an account with SquareUp and after my first transaction they closed my account and cant tell me the exact reason why. I have a small business and those funds are needed. The payment was sent on XXXX and my account was closed 2 days afterwards. The money was set to be deposited but never has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
I've gotten a Total of {$230.00} In late fee 's from a bank error. I fully expect to get a 100 % refund of these fees. its absolute XXXX  XXXX that a bank thinks that this is fair practice. I'm sorry its not OK with me at all. the bank can not start a chain reaction of fee 's that makes it impossible for someone to get ahead its impossible. {$230.00} worth of Fee 's in less than 10 days when the funds in the account were enough to cover the original charges... .I 've already submitted one complaint I'll keep going until this gets resolved!

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 2023-11-22 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: GA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-11-22 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 debt was paid in full but still reporting on my credit report as charge off. And not a paid charge off. I have two complaint numbers still reporting the in correct information. XXXX and 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 2023-11-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Dear [ Creditor ], I hope this letter finds you well. I am writing to address a matter concerning my credit report and the late payments that have been reported by your company. I believe that these late payments have been inaccurately reflected on my credit report, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, specifically 15 USC 1681 section 602, I have a fundamental right to privacy when it comes to my personal financial information. Additionally, 15 USC 1681 section 604a section 2 states that a consumer reporting agency, such as yourself, can not furnish information about my account without my explicit written instructions.

Furthermore, I would like to draw your attention to 15 USC 1666b, which states that a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. It is my understanding that this provision applies to my situation, as the late payments in question were made within the appropriate timeframe. 

Given the aforementioned legal provisions, I kindly request that you take immediate action to rectify this matter. Specifically, I request that you remove the late payments from my credit report and ensure that my credit history accurately reflects my payment history. 

I trust that you will handle this matter promptly and in accordance with the law. Please provide written confirmation once the necessary corrections have been made to my credit report. Failure to comply with my request may result in further legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-22 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: NC

Complaint narrative:
I disagree with your choice to deny my allegation of identity theft. Why do you have the right to determine whether or not I am a victim? You have neither the authority nor the legal basis to make such a decision. If you don't agree to my claim, I'll get help from my lawyer to take this matter to court. I must stress that my identity theft claim complies with all legal requirements. As required by law, I have turned in an official report to a government agency. Together, let 's work to find a solution to this problem in the allotted five days. XXXX XXXX I want to be very clear that I will not stand by and allow this egregious injustice to continue. You will pay a price if you continue to reject my legitimate claim. I have no qualms about consulting with my lawyer and seeking a court order to address this ridiculous circumstance. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. My frustration and anger are beyond measure, and I am resolved to see this blatant injustice rectified. The law is on my side, and I will not rest until justice is served. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2023 I sent a letter in regards to inaccurate and unknown things on my credit report. To this day over 45 days later I have yet to receive a response. I feel Im being ignored and taken advantage of. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days is reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress youve caused me. My information was also impacted by the XXXX data breach and may have landed in the wrong hands.

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 2023-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I had a car accident XX/XX/2023 I was referred to a XXXX XXXX XXXX and XXXX I did not finish therapy until XX/XX/2023. I received 2 bills. The last one being sent late XXXX. My attorney also received a copy of the bills just 2. My case was paid based on bills recieved. My auto insurance paid in XXXX of 2023. Around late XXXX I was already sent to collections Gla collections stating I owed additional {$240.00} I asked for a detailed bill explaining the past due since I thought it was paid in full based on bills received. They stated I could not call original creditor to get straightened out. I did any way and the claimed they sent me 3 bills I only received 2 my attorney only received 2 also. I finally got a detailed treatment bill 2 weeks ago. The original company has yet to even try to bill my secondary insurance. I gave them the information again when I contacted them. I am in the process of getting the remaining balance sent in and paid yet the collections agency is still sending me notices

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: PA

Complaint narrative:
As per the Fair Credit Reporting Act ( FCRA ) in 15 USC 1681 section 602 ( a ), it emphasizes the importance of ensuring that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX, XXXX and Experian function as consumer reporting agencies, and I, as the consumer, possess the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801. This statute asserts the congressional policy that financial institutions must actively and consistently uphold customer privacy, safeguarding the security and confidentiality of nonpublic personal information.

Entities furnishing information to credit agencies, defined as financial institutions, fall under the scope of 15 USC 1681 section 604 ( a ) ( 2 ), which stipulates that consumer reporting agencies may only provide a consumer report based on the written instructions of the respective consumer. In this case, the financial institution ( furnisher of information to credit agencies ) and the consumer reporting agencies ( XXXX, XXXX and Experian ) lack my consent, written or otherwise, to furnish this information. Any previous consent provided to these entities, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise the option to prevent such disclosure. The furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option.

In addition, 15 USC 1681C ( a ) ( 5 ) specifies that a consumer reporting agency may not include certain adverse items of information in a consumer report, and this includes any adverse information that predates the report by more than seven years. The account in question is an adverse item being reported without my permission, which is a violation of the law.
Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) asserts that a person should not furnish information to a consumer reporting agency if they know or reasonably believe the information is inaccurate. XXXX, XXXX and Experian are not adhering to reasonable procedures to avoid violations of the FCRA. 

Finally, according to 12 CFR 1016.7, a consumer retains the right to opt out of reporting services at any time. Therefore, I am opting out of the reporting services provided by these agencies.

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