vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
The company is Robinhood, they put a restriction on my account after I tried to contact customer support multiple times to get an answer about my deposits. I had a deficit which was caused by my paycheck being late. I covered the deficit, they took the money out of my account but it still shows as pending on the Robinhood app, today they restricted my account and asked for my Id to confirm my identity. After I submitted my documents they have limited my account, I cant buy more positions or transfer my assets out of the brokerage. They only allow me to sell my assets but I do not have access to the funds. I believe this is retaliation from customer service chats where I expressed how bad their customer service is. 
XXXX XXXX XXXX XXXX, I lost my job a few years ago and finally found a new job and have been saving using Robinhood. Its a relatively small amount but it all I have in savings and this is very frustrating. I read online that they have withheld many peoples money for long periods of time and I cant afford that. 

Based on what I read online the only way to avoid Robinhood to lock my account is to file a complaint. I will close my account after this is resolved but I need to have access to my money. They asked for bank statements and my ID and eventually my ssn. It has all been sent. They called me immediately after submitting the documents, it was an automatic call from them, no human ever answered the phone and they just left me on hold with music for 15 minutes so I hung up, as soon as I hung up I got a notification saying they tried calling me but I didnt pick up, I have the call registered and the wait time. After that they have kept the restriction on my account even tho I have submitted everything they asked and Im afraid I will lose my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: GA

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMs? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please DELETE the items, or inaccurate information, from my file immediately & send me the results to the address. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reference XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding the Re-insertion of Previously Removed Fraudulent Credit Inquiries by Experian To whom it may concern, I am writing to file a formal complaint against the credit reporting agency Experian due to the unauthorized re-insertion of fraudulent credit inquiries into my credit report, which had been previously removed following an investigation conducted in accordance with the Fair Credit Reporting Act ( FCRA ). 
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 I filed a dispute with Experian concerning fraudulent inquiries that appeared on my credit report. After conducting their investigation, Experian properly removed the inquiries in question. I received written notification from Experian confirming the removal of these items from my report. A copy of that letter is attached for your reference. 

However, upon reviewing my recent credit report, I have noticed that these fraudulent inquiries have been reinserted without any valid justification. This constitutes a violation of the FCRA, specifically with regard to the re-insertion of inaccurate information without providing the proper notifications required by law. 

I respectfully request the CFPBs intervention to ensure that Experian rectifies this issue immediately by permanently removing the fraudulent inquiries from my credit report and ensuring that such errors do not occur again in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
At this point you are not allowing me my legal access to the information on my personal credit profile as provided by the FAIR CREDIT REPORTING ACT. Please release my personal credit report. I have included copies of official documentation confirming my drivers license, date of birth and social security number as required by you to verify my identification.

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 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Subject : Identity Theft Notification Dear XXXX XXXX XXXX, I am writing to formally report an incident of identity theft involving my account with XXXX XXXX. My FTC number is XXXX. 

I recently discovered that my personal information has been used without my consent. I never applied for any credit with XXXX XXXX XXXX Experian XXXX Account # : - XXXX this company. I want this to be removed from my credit report, because this is FRAUD I have filed an FTC report XXXX ACCOUNT NUMBER XXXX Please let me know how you would like to proceed in resolving this matter. I appreciate your prompt attention to this serious issue. Thank you for your cooperation. 

Sincerely, 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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the deletion of inaccurate information on my Equifax credit report concerning XXXX XXXX account XXXX  XXXX. This account has already been deleted from my XXXX credit report and should therefore also be removed from my Equifax report. 
According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Additionally, under 15 U.S.C. 1681i ( a ), consumers have the right to dispute inaccuracies on their credit reports, and the credit bureau must reinvestigate the accuracy of the disputed information. 
The presence of this XXXX XXXX account on my XXXX report is a clear discrepancy, as it has already been verified and deleted from my XXXX report. I have attached a copy of my XXXX credit report reflecting this deletion for your reference. 
Please take immediate action to delete this inaccurate information from my Equifax credit report. I expect confirmation of the deletion within the legally mandated time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to formally express my dissatisfaction regarding an unresolved claim related to the Collision Damage Waiver ( CDW ) benefit that was supposed to be provided by my Chase Instacart Mastercard and the lack of clear communication surrounding changes to the card 's benefits. 

Timeline of Events : In XX/XX/2024, I applied for and was approved for the Chase Instacart Mastercard, which was advertised as offering various benefits, including a Collision Damage Waiver ( CDW ) for rental vehicles. This benefit was clearly outlined in the benefits guide that accompanied the card, and I made my rental decision based on this understanding. 

On XX/XX/2024, I used this credit card to rent a vehicle from XXXX. The rental period was from XX/XX/2024 to XX/XX/2024. Unfortunately, during this rental, a minor scratch occurred on the vehicle on XX/XX/2024. 

Upon returning the vehicle to XXXX on XX/XX/2024, I submitted the necessary acceptance report, fully aware that the CDW benefit on my Chase credit card should cover the damage costs.

Shortly after, I was informed that Chase updated its website for claims processing, and claims for incidents prior to XX/XX/2024 could no longer be filed via the new portal. I was left with no option to file my claim through the old system, and the new system does not allow claims for incidents that occurred before XX/XX/XXXX. 

My Issue : Despite the CDW benefit still being displayed on my account, I was told multiple times by Chase representatives over the phone that I no longer have this benefit on my card. However, at no point was I notified of any change to the benefits, and the CDW was an advertised feature when I applied for the card. It is still being advertised as part of the cards benefits. 

Now, I am facing an invoice from XXXX for over {$1000.00} in damage-related charges, which I am unable to pay. I relied on the collision damage waiver benefit, which was a decisive factor in both applying for the credit card and renting the vehicle with confidence.

My Request : I respectfully request that Chase honor the CDW benefit that was advertised and active at the time I rented the vehicle. Additionally, I urge you to : Clarify why the CDW benefit is not being applied despite being part of the benefits guide.

Allow me to file a claim for the incident that occurred on XX/XX/2024, under the CDW policy.

Provide written confirmation of any changes made to my cards benefits, if applicable, and ensure that no changes were made retroactively or without proper notification.

This situation has caused significant financial stress, and I believe it is Chase 's responsibility to either honor the benefit or provide a clear explanation of why it has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: PA

Complaint narrative:
I do not believe that this debt reporting on my credit is valid!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Lvnv funding threatens to take me to court for the amount I owed on a charged off credit card through XXXX XXXX XXXX. They send me an email saying if I didnt pay they would send it to attorney and I would get a court date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These hard inquiries are fraudulent and do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
To Whom It May Concern : This is the second month consecutively that my auto payment for my student loan was auto-debited from my checking account and the payment has been lost. This is per a Mohela representative that they can not locate where the {$480.00} payment went. 

A payment in the amount of {$480.00} was debited and posted from my bank account on XX/XX/XXXX and there is no reflection of this on my Mohela account. 

A second payment in the amount of {$480.00} was debited and posted from my bank account on XX/XX/XXXX and again there is no reflection of this on my Mohela account.

Now my account is noting I have missed two payments when both have been paid on-time. I have been waiting for a resolution on this since XX/XX/XXXX as I called Mohela and was informed to upload my back statement reflecting the XX/XX/XXXX payment. Now I have encountered the same issue for my XXXX ( XX/XX/XXXX ) payment. I submitted my bank account statement for the XX/XX/XXXX payment on XX/XX/XXXX and I am again, today on XX/XX/XXXX, uploading my XXXX statement on the Mohela platform demonstrating both payments have been made. This is uploaded under bank statements per Mohelas rep. I received mixed information every call on what the time frame would be to correct this, and they will report to collections after 90 days. This is a significant concern given that I've provided all of the documentation to show the payments were made. An added concern is that the initial document with my bank statement from XX/XX/XXXX has now disappeared from the " documents '' tab under my account so there is no proof I originally submitted it on my end. For good measure, I re-uploaded it again today. 

I am seeking any guidance on how to navigate this issue so my account is reflected correctly and my account is not noted as delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Identity Theft Notification Dear XXXX XXXX XXXX, I am writing to formally report an incident of identity theft involving my account with XXXX XXXX. My FTC number is XXXX. 

I recently discovered that my personal information has been used without my consent. I never applied for any credit with XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX - Account Type : Revolving account REVOLVING - Account Type - Detail : Revolving account Credit Card - Bureau Code : Individual account Individual - Account Status : Closed Closed - Monthly Payment : {$0.00} - - Date Opened : XX/XX/year> XX/XX/year> - Balance : {$0.00} - - No. of Months ( terms ) : - Revolving - High Credit : {$880.00} {$880.00} this company. I want this to be removed from my credit report, because this is FRAUD I have filed an FTC report XXXX ACCOUNT NUMBER XXXX Please let me know how you would like to proceed in resolving this matter. I appreciate your prompt attention to this serious issue. Thank you for your cooperation. 

Sincerely, 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 2024-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In a previous CFPB complaint, TransUnion stated on record that a XXXX XXXX XXXX XXXX account was deleted on my credit report. Their response was that they mailed me an updated copy of my credit report. On the report that was sent to me XXXX XXXX was still showing it was updated but not deleted as they reported to CFPB. Transunion continues to say that they have sent a updated report but each report still has XXXX XXXX  reporting on it.

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 2024-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Dear CFPB, My name is XXXX XXXX, and I am writing to formally dispute an account reported on my credit report. The account in question is with XXXX XXXX XXXX, and I am concerned about its legitimacy. Below, I have outlined my dispute : Dispute Statement : I am not aware of this account or if I ever signed up for it. I contacted XXXX XXXX XXXX, but they have not provided me with any evidence confirming whether I personally opened this account. Therefore, I would like to dispute this matter due to the lack of identification verification in the opening of the account. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information on my credit report. Additionally, as mandated by the Truth in Lending Act ( TILA ), creditors are required to verify a consumers identity and obtain consent before opening an account. Due to the absence of such verification, this account does not seem to be attributable to me. 

Action Requested : I am requesting that you : 1. Immediately investigate this matter in compliance with the FCRA.

2. Provide me with all documentation related to the opening of this account, including but not limited to any signed application forms or identification used during the account opening.

3. Correct or remove this account from my credit report if verification can not be confirmed.

I appreciate your attention and look forward to your prompt response. Please let me know if additional information is required for your investigation. As stipulated by federal law, I expect a written response from you within 30 days. 

Sincerely, 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 non-monetary relief