vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased an airline ticket from XXXX to XXXX on XXXX on XX/XX/year> on my US Bank Visa card, on XX/XX/year> I was charged a foreign transaction fee of {$100.00}. 
I contacted US Bank and was told the transaction fee was accurate. On XXXX website it says " No foreign transaction fees, see prices and pay in your local currency, including US dollars, XXXX dollars, XXXX  and XXXX XXXX This means no foreign transaction fees when you pay with your credit or debit card ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX has been known for their unjust and fraud practices when it comes to their business. They have not only misplaced my original contract with the wet signature, validating the debt ; they also violated several of my personal and consumer rights with false and deceptive sales, not disclosing my right to rescind and taking a cash payment with a finance charge. In addition, they have illegally repossessed the vehicle and harassed me for payment. Not to mention, this information is on my credit report and reported inaccurately. None of the information is correct and the same with all XXXX credit bureaus, nor is it correct This was a credit sale not an auto loan ; therefore the account type is listed incorrectly, the last reported date has different dates listed between the credit bureaus, the account status is reporting different between the bureaus, the date the account was opened is also reported different amongst the credit bureaus. This is a major violation as I was promised accuracy on my credit report under federal law.

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 2024-09-26 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: CA

Complaint narrative:
THESE XXXX COLLECTIONS, XXXX XXXX & XXXXXXXX XXXX  # XXXX OPENED DATE : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX OPENED DATE : XX/XX/year> XXXX XXXX XXXX XXXX ACCT # XXXX OPENED DATE : XX/XX/year> ARE ALL ACCOUNTS OPENED BY IDENTY THEFT IVE NEVER DONE BUSINESS WITH THIS COMPANY NOR HAVE I GIVEN ANYONE PERMISSION TO DO BUSINESS WITH THUS COMPANY USING 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 explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally request a reinvestigation of incorrect information of this account on my credit report. Upon reviewing my credit file, I have identified that this account was already fixed or remove the late payments of other bureaus, you are the one reporting this lates in history. Please update to paid and remove the late payments. XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
I called all XXXX credit bureau about the loan companies I saw on my credit report. They provided me with navient at the time. I called them sent all my documents in explaining I was locked up. But thats told me on the on the phone I was responsible for it. I felt that was up fair. I had already went to prison at the age of XXXX yrs old because I bounced around from foster home and group homes and caught a charge robbing someone because my white mother was on drugs bad and got sent to witfield the mental institution. I never had nothing in life due to my parents getting on drugs. So I hope you guy can look into my case and remove this. I have proof of everything but keep getting denied. My whole life XXXX couldnt and cant get anything in my name. Due to those students loan and credit cards on my report. Something I never applied for. I even have my documents showing when I finished a paid for trade and the next month I went to prison. I even have when I was released from prison. I walnut grove prison was the worse prison they sent me to for the first time. And we dont have computers to get on there we stayed on lock down the whole time I serviced my sentence. Please reach out to this prison or XXXX XXXX court house or ask for XXXX XXXX he was the guy that drove me to XXXX XXXX to get process. Please look into my case Im begging you guy. XXXX and Im suffering from not able to purchase a house in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
My Sofi Checking account had been compromised by a former roommate/family member, who gained access to my devices and started siphoning money from my account. I contacted " Sofi '' for help resolving an issue as I already had a previous claim from the same person who took advantage of my devices which he had no permission to do so. I requested 'Sofi '' to help me and they denied my claims stating I authorized the transactions when I had not given anyone permission to use my account. Their failure to prevent unauthorized transactions lead me to losing a lot of money that I have not recovered. Honestly I don't know if I will ever recover my funds and its very devastating as it was all I had in my Sofi Checking Account. When the incident occurred, I was in XXXX, XXXX at the time. I reached out to the local authorities and they said that they had no legal obligation to help as the account is from the U.S.A and they have no legal jurisdiction in the matter, and to contact my bank " Sofi '' to help me. So I reached out and one of the agents said he will file a claim on my behalf and I followed every instructions he gave me and then he proceeded to advise me that the claim was created. Two weeks goes by and I contact Sofi for an update on my claim and they tell me that there is not an active claim and they would happily file another claim after I had expressed frustration from being lied to the first time. Three days later after the claim was made it was declined, the same amount of time it took for a previous claim I had filed regarding the same individual who stole money from my account. After that I noticed that they don't properly investigate said claims and just deem it as an authorized transaction when it was not made by me. I requested documents used to determine the outcome of my claim and they said I would receive it within 1-3 business days. It has been 2 weeks and I have yet to receive said documents, I gave them the benefit of the doubt but it seems that was a mistake and it has just been very terrible customer service including their investigation department. I feel as they just don't want to deal with their customers and have us weep in sorrow while they blatantly refuse to help. 

XX/XX/XXXX claim filed, Sofi never filed claim. 
XX/XX/XXXX reached out to Sofi, filed claim. 
XX/XX/XXXX Sofi determined I authorized transactions. 
XX/XX/XXXX I requested documents from investigation, Sofi never sent said documents XX/XX/XXXXXXXX  filing complaint Transactions XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX  {$1500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$700.00} XX/XX/XXXXXXXX  {$1500.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to formally complain about Upgrade , Inc. for their failure to properly notify me regarding two of my accounts before reporting late payments on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Specifically, Upgrade , Inc. has violated the following provisions of the FCRA : 1. **Section 623 ( a ) ( 1 ) ( A ) ** : Upgrade, Inc. did not provide accurate information regarding my payment history.

2. **Section 623 ( a ) ( 7 ) ** : The company failed to notify me of their intention to report the late payments, which is a requirement prior to submitting such negative information to credit reporting 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
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

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 filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I am writing in reference to the alleged debt associated with SSN ending in XXXX, which your company has reported as charged-off. Based on the information reflected in my credit report, the balance of this charged-off debt is less than {$600.00}. 

Legal Definition of Charge-Off A charge-off occurs when a creditor deems a debt uncollectible and writes it off as a loss for tax purposes. Under Generally Accepted Accounting Principles ( GAAP ), once a debt is charged off, it indicates that the creditor has ceased further internal collection efforts and considers the debt uncollectible. This typically removes the debt from the creditor 's active receivables.

Accuracy of Information under 15 U.S.C. 1681e ( b ) Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information you report to the credit reporting agencies is both accurate and complete. Reporting a charge-off without reflecting the full details of the debt 's resolution or its current status may result in inaccurate credit reporting, which violates federal law. It is your responsibility to correct any errors or misrepresentations regarding this debt. 

Request for Clarification Given that this charged-off debt is under {$600.00}, I understand that you are not required to issue an IRS Form XXXX, as debts below this threshold are generally not considered taxable income under IRS guidelines. However, I am requesting the following clarifications : Confirmation of XXXX : Please confirm in writing that this debt has been charged off and explain whether any future collection efforts will be pursued by your company or a third-party agency. 

Current Status of the Debt : I would like a full accounting of the current balance, including any fees, interest, or other charges that have been added since the charge-off, and whether the debt will be transferred or sold. 

Accuracy of Credit Reporting : If this debt has been resolved or written off entirely, I request that you update all credit reporting agencies to reflect the correct status. Continued reporting of this debt without proper updates may result in inaccurate reporting, which is a violation of the FCRA.

Request for Immediate Action I ask that you provide this information within 30 days of receipt of this letter. Failure to accurately update my credit file or provide the requested information may result in the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory agencies. Additionally, I may seek legal remedies for violations of 15 U.S.C. 1681e ( b ), which ensures the accuracy of consumer reporting. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: NC

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 filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2024-09-26 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2024-09-26 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: TX

Complaint narrative:
There are several errors, including the balance due, and date account was opened. Because of this, I have requested a proof of Debt on 3 separate occasions. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first and second time it was over the phone, and the 3rd time I called to ask where it was, and why I had not received it. I got up to the manager who said she was not sure why I had not received the proof of debt requested. She seemed very confused, and stated that she had requested it for me the last we spoke. She said she could request another, but because I had already been thru that twice before, I asked if there was any way that I could speak to the department responsible for sending them out. So, after XXXX on hold ( literally ) she comes back with an email. So I disconnect the call, and send them an email requesting, for the 3rd time, the proof of debt. They respond, saying that they had not sent it to me because in order to receive a proof of debt, I was required to MAIL them a copy of my drivers license, and only then would they send it. Now, keep in mind, this was not what they told me the 1st 2 times that I called. During those conversations, the employees ASSURED me that I would be receiving the documents requested within 14 business days. So, I really believe they are making it impossible for me to receive this proof of debt. I have an email where I asked them " Are you now stating that you will not be sending me a proof of debt if I do not mail you a paper copy of my drivers license? '' and they refused to answer the question. Again, I spoke to several people before this particular interaction, and they assured me that they would be sending me the proof of debt. Now, they're spinning me in circles so that I will just give up, and they wont have to send it. This account needs to be removed from my record because I have requested the proof of debt on several occasions, and they still have not sent it to 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 2024-09-26 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: TX

Complaint narrative:
There are several errors, including the balance due, and date account was opened. Because of this, I have requested a proof of Debt on XXXX separate occasions. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first and second time it was over the phone, and the 3rd time I called to ask where it was, and why I had not received it. I got up to the manager who said she was not sure why I had not received the proof of debt requested. She seemed very confused, and stated that she had requested it for me the last we spoke. She said she could request another, but because I had already been thru that twice before, I asked if there was any way that I could speak to the department responsible for sending them out. So, after 19:47min on hold ( literally ) she comes back with an email. So I disconnect the call, and send them an email requesting, for the 3rd time, the proof of debt. They respond, saying that they had not sent it to me because in order to receive a proof of debt, I was required to MAIL them a copy of my drivers license, and only then would they send it. Now, keep in mind, this was not what they told me the 1st 2 times that I called. During those conversations, the employees ASSURED me that I would be receiving the documents requested within 14 business days. So, I really believe they are making it impossible for me to receive this proof of debt. I have an email where I asked them " Are you now stating that you will not be sending me a proof of debt if I do not mail you a paper copy of my drivers license? '' and they refused to answer the question. Again, I spoke to several people before this particular interaction, and they assured me that they would be sending me the proof of debt. Now, they're spinning me in circles so that I will just give up, and they wont have to send it. This account needs to be removed from my record because I have requested the proof of debt on several occasions, and they still have not sent it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
am filing this FTC Identity Theft Affidavit to report XXXX fraudulent inquiries appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all inquiries activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against Credit Reporting Agencies Transunion Consumer Name : XXXX XXXX XXXX, Social Security Number XXXX XXXX Consumer Date of Birth : XXXXThis CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information. This have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned, hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all of the hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to 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