vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: MA

Complaint narrative:
To Whom It May Concern : I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at ali The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
Today XX/XX/year> at XXXX I deposited an amount of {$2000.00} into my robinhood account. I purchased a cryptocurrency and attempted to transfer it than robinhood restricted my account and now I cant withdraw anything or transfer. They failed to give me a reason for the restriction nor provide me with any means to get the restriction lifted only stating that there team would look at it by XX/XX/XXXX. Im not extremely concerned about my money and whether or not it is secure with this company. I will persue legal action if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX XXXX {$2100.00} open XXXX, XXXX XXXX XXXX  {$600.00} open XXXX, XXXX XXXX {$570.00} open XXXX, XXXX XXXX  XXXX  {$5400.00} open XXXX, XXXX XXXX XXXX  {$630.00} open XXXX, PA XXXX XXXX {$45000.00} open XXXX, XXXX XXXX XXXX {$46000.00} open XXXX, XXXX  XXXX  {$30000.00} open XXXX, XXXX XXXX {$9400.00} open XXXX, XXXX XXXX XXXX {$87000.00} open XXXX. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX XXXX {$2100.00} open XXXX, XXXX XXXX XXXX  {$600.00} open XXXX, XXXX XXXX {$570.00} open XXXX, XXXX XXXX XXXX {$5400.00} open XXXX, XXXX XXXX XXXX  {$630.00} open XXXX, PA XXXX XXXX {$45000.00} open XXXX, XXXX XXXX XXXX {$46000.00} open XXXX, XXXX XXXX  {$30000.00} open XXXX, XXXX XXXX {$9400.00} open XXXX, XXXX XXXX XXXX {$87000.00} open XXXX. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I signed up in XXXXXXXX XXXX XXXX for a Chase Sapphire Card because they were advertising that a lounge would be opening up in my home city of XXXX XXXX XXXXXXXX. Well I pais the {$550.00} fee and they didn't open the lounge until XXXX. They never provided updates and the WHOLE reason I got the card was for the lounge access. I called them to cancel and they said they would provide me a prorated amount back on the fee. Then they never did. I called them again and they said no prorated refund. I told them i paid for a service that you sis not provide. I did use one benefit with a third party XXXX XXXX. I paid for that but after I cancelled Chase they cancelled the benefit for XXXX XXXX  which I had paid for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Had direct deposit come into my account. Transferred monies out, XXXX by accident so, after waiting for the transfer to clear, transferred monies back in. They put a hold on half ( {$2000.00} ) of the amount. It's going to make me late on a real estate payment when it's basically taking me a week to cancel a transfer- that's all I want to do in the first place. It's insane that they won't override the hold when all the money came from and easily traced direct deposit from my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: OH

Complaint narrative:
According to my credit report in Transunion my student loan balance is at XXXX dollars but the studentaid.gov website is already showing a decrease on my student loan for XXXX dollars since qualified for student loan forgiveness. But for some reason this information still not updated in Transunion. See attached proof obtained from my XXXX XXXX account. I also received an email from XXXX ( my loan services provider ) saying that due to the volume of accounts that need to be updated is taking them longer to update my credit report but that will be updating my information soon. 

Also, there is a balance of XXXX from a company XXXX XXXX XXXX, I believe they are representing XXXX XXXX XXXX XXXX. I took the class only the first week and I dropped off the class because I was going through a XXXX  XXXX situation at home and I was not able to concentrate. I also, received a document from an organization letting me know that according to the Statue of Limitation of the state of New Hampshire I was not under no obligation to fulfill the debt owed because the time has expired. I have already filed a dispute with Transunion via XXXX XXXX but I guess they are still working on it. I have misplaced the document mentioned previously but I have already verified the information through XXXX. According to XXXX the Statue of Limitation for Student loan in the state of New Hampshire is 3 years and is that is the case I took the student loan around summer of 2021.

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 2024-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received an Amex eGift Card. This included an email You have received an American Express eGift Card from XXXX. 

I clicked the link to validate the card on https : //balance.amexgiftcard.com/ # /account and it showed a balance. 

I attempted to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction was declined. I tried with various other amounts and spoke with XXXX 's customer support line - nothing ended up working. All transactions were declined. 

Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
I originally opened this account on XX/XX/XXXX. I realized that my address was entered in incorrectly and called on XX/XX/XXXX to get this resolved. On my phone call with this company I was told that they could update my address with no issues but I would have to wait until XX/XX/XXXX to order a new card. Out of an abundance of caution, I waited until XX/XX/XXXX to reorder the card. The card arrived and was activated on XX/XX/XXXX. I went to use the card on XX/XX/XXXX and the transaction was declined. I called and was informed there was a fraud hold put on my account and I would either need to fax in or mail in a copy of my ID and it would be XXXX business days for them to process this to release the fraud hold. 

I was told during my phone call on XX/XX/XXXX that of I followed their very specific instructions no fraud hold would be put on my account, and here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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:
This is my 2nd attempt i am interested in processing disputes for inaccuracy on my credit report an i accurate accounts thats are not mines reporting to my credit report. These accounts do not follow the FCRA rules. I am a victim of identity theft i have no knowledge of the invalid accounts listed. Please review an remove the accounts listed in the dispute to clear and correct my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am filing this complaint to address U.S. Bank 's refusal to update the address for my company, XXXX XXXX XXXX XXXX XXXX, due to their apparent mishandling or misplacement of the Master Services Agreement ( MSA ). This issue has caused unnecessary delays and further eroded my trust in the bank 's ability to manage records and deliver competent service. 

On XX/XX/year>, XXXX XXXX, a Small Business XXXX at U.S. Bank, informed me that my address update request could not be processed because the Treasury XXXX department did not have a copy of the MSA on file. This claim is problematic for several reasons : I executed a valid MSA with U.S. Bank, and it is the banks responsibility to maintain and safeguard such documents. 
The timing of U.S. Banks response raises concerns. My address update request was submitted on XX/XX/year>. However, I was only contacted about this issue on XX/XX/XXXX, XXXX day after I filed three separate complaints regarding U.S. Bank 's address policies with regulatory agencies.

U.S. Bank has provided conflicting explanations regarding the absence of the MSA. According to XXXX XXXX, the Treasury XXXX department either never received the XXXX or failed to upload it into their system. Regardless of the cause, it is clear that this situation stems from U.S. Bank 's negligence in record-keeping. 

When I informed U.S. Bank of my new address, I fulfilled my obligations as a customer. However, U.S. Bank insists that I execute a new MSA as a condition for updating my address, despite the existence of a valid, signed agreement. This demand is both unreasonable and a clear attempt to shift the burden of their mistake onto me. 

Impact : This mishandling has caused delays in critical administrative updates for my business, XXXX XXXX XXXX XXXX XXXX, and further demonstrates U.S. Bank 's inability to provide reliable service. The banks negligence not only disrupts my operations but also undermines my confidence in their professionalism and integrity.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
NORSTROM IS MISTAKENLY ASSESSING ME LATE ON MY CREDIT REPORTING. I ATTACHED PROOF OF MY XXXX 2024 PAYMENT. THEREAFTER, I ESTABLISHED AN ADJUSTED REPAYMENT PLAN IN XXXX 2024 IN WHICH THE NORDSTROM REPRESENTATIVE INFORMED ME THAT MY ACCOUNT WAS SATISFACTORY. PLEASE RECTIFY ALL LATE PAYMENTS ASSOCIATED TO THIS ACCOUNT PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I have called several phone numbers at XXXX and I am unable to speak to a live agent at ( XXXX, XXXX, and XXXX ). I noticed for the following hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA, and XXXX XXXX are not listed as auto loan. I was shopping for the best rate regarding auto loans. Thus said I was only supposed to lose XXXX point regarding my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: FIRSTBANK
State: AZ

Complaint narrative:
FirstBank Visa Check Card transaction ( s ) you are disputing in the amount of {$650.00} at three hotels two which denied reservations and kept money .theese were all in XXXX and i have all email communications with properties and bank. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  vio reservations XXXX $ travelers inn in XXXX double charges For the {$410.00} charge from XXXX XXXX for XXXX night in XXXX at a XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: IL

Complaint narrative:
I am a victim of Identity theft. I do not recognize these accounts on my report. I would like these items removed from my credit report. 

XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$34000.00}. 


XXXX XXXXXXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 


XXXX XXXX opened XXXX XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXX XXXX Account opened on XX/XX/XXXX and a balance of {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
I have recently reviewed my credit report and have noticed an inaccurate account from XXXX XXXX XXXX. According to the Fair Credit Reporting Act, I am entitled to dispute information I believe to be erroneous and fraudulent. There is no legal, binding contract with this company in which I have acquired goods or services. For clarity, I have not given my consent and have not provided my signature allowing my information to bought, sold or shared. Therefore, this company has no legal right to this account and my personal 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 non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a payment on my card from an account that had been closed ( by accident ) once I was notified I made the payment in full from my other active account, I provided proof of the closure of the account to Capital One and a statement from the current account that the payment was made in full from. Card is still on hold, I have called in 2x they said 7 to 10 business days it has been well over and my card is still on hold. 
I provided proof of both accounts being owned by me, I also pay my bill in full monthly. 

I can not understand how this is not being remedied in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: LA

Complaint narrative:
Creditor Name : XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : XXXX This account was sold to a collection agency, and I request that you update the credit report to reflect the proper status of this account. The account should not be listed as " open '' if the debt has been transferred to a third-party collector. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, and I believe the current reporting is incorrect. 

I request that you investigate this matter and correct the account status to reflect the following : The account should be marked as " sold '' or " transferred to collections '' rather than remaining open. 
The collection agency should be reporting the debt separately. 
If you are unable to verify this account or its status, I request that it be removed from my credit report. 

Please notify me once the investigation is complete and the necessary corrections have been made. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: LA

Complaint narrative:
Creditor Name : XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : XXXX This account was sold to a collection agency, and I request that you update the credit report to reflect the proper status of this account. The account should not be listed as " open '' if the debt has been transferred to a third-party collector. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, and I believe the current reporting is incorrect. 

I request that you investigate this matter and correct the account status to reflect the following : The account should be marked as " sold '' or " transferred to collections '' rather than remaining open. 
The collection agency should be reporting the debt separately. 
If you are unable to verify this account or its status, I request that it be removed from my credit report. 

Please notify me once the investigation is complete and the necessary corrections have been made. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, Equifax XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request to Block Fraudulent Accounts Under FCRA 15 U.S.C. 1681c-2 ( Section 605B ) Dear XXXX, XXXX, Equifax I am writing to formally dispute XXXX accounts on my credit report that were fraudulently opened in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am requesting that you block this fraudulent information from appearing on my credit report. 

The accounts in question are as follows : XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Account XXXX on XX/XX/XXXX, XXXX XXXX of AR account opened XX/XX/XXXX These accounts were opened without my knowledge or consent, likely as a result of my personal information being compromised in a data breach. I have included the following documentation to support my dispute and verify the fraudulent nature of these accounts : A copy of my government-issued ID and proof of address ( e.g., utility bill or bank statement ). 
A copy of my credit report highlighting the fraudulent accounts. 
A copy of an FTC Identity Theft Report and/or a police report regarding this identity theft. 
Pursuant to 15 U.S.C. 1681c-2, once you receive this request and the accompanying documentation, you are required to block the reporting of this information from my credit report and notify the furnishers of the fraudulent accounts. Please confirm in writing that the fraudulent accounts have been removed and provide an updated copy of my credit report. 

Thank you for your prompt attention to this matter. Should you need further information or documentation, feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief