vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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: LA

Complaint narrative:
Could you please help me address some negative items on my report? I have already submitted the three documents you requested, along with the dispute letters and details of the specific accounts I want removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please help me address some negative items on my report? I have already submitted the three documents you requested, along with the dispute letters and details of the specific accounts I want removed. Thank you.

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 2024-08-12 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: GA

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On different occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely examined. In spite of my endeavors, I presently can't seem to get any goal or remedial activity. These mistaken records are seriously harming my credit document and ruining my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused huge difficulties for me, and I'm left with no decision except for to argue for your help with correcting what is going on at the earliest opportunity. I sympathetically demand that you lead an exhaustive examination concerning the detailing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and correct my credit report immediately. With your assistance, I desire to reestablish the precision and respectability of my credit document so I might recover command over my monetary prosperity. I genuinely encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue expeditiously would be enormously valuable. Much obliged to you ahead of time for your comprehension and help.

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 2024-08-12 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: NC

Complaint narrative:
This account to reporting inaccurately. I have called, written letters, and send disputes to all credit bureaus. I believe companies can not sell and or take you information and report it on a consumer report without yoir knowledge. This is aggravated identity theft according to the 18 U.S. Code 1028A. I have attached all my information for this request. I would like this account removed/deleted as it is hurting my efforts to obtain credit. Thank you for your help and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: NC

Complaint narrative:
This account to reporting inaccurately. I have called, written letters, and send disputes to all credit bureaus. I believe companies can not sell and or take you information and report it on a consumer report without yoir knowledge. This is aggravated identity theft according to the 18 U.S. Code 1028A. I have attached all my information for this request. I would like this account removed/deleted as it is hurting my efforts to obtain credit. Thank you for your help and consideration.

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 2024-08-12 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:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

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 2024-08-12 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:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: FL

Complaint narrative:
I am writing to formally complaint about EXPERIAN 's handling of fraudulent information on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). I found a collection account on my EXPERIAN credit report that I did not open or authorize. The details of the fraudulent account are as follows : XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ) XXXX DATE OPENED XX/XX/year> BALANCE {$5600.00}. This account is a result of identity theft, as I have no association with it. Despite filing a dispute with EXPERIAN, this fraudulent entry remains unresolved. Under the FCRA, specifically 15 U.S.C. 1681i, EXPERIAN is required to investigate disputes promptly and ensure the accuracy of information reported, which they have failed to do in this instance. Furthermore, 15 U.S.C. 1681c-2 mandates that a consumer reporting agency must take steps to prevent the inclusion of fraudulent information in a credit report. I have also provided a copy of my FTC Identity Theft Report with the report number XXXX and other relevant documentation to EXPERIAN.

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 2024-08-12 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I received a text from XXXX asking if I sent {$750.00} by XXXX to XXXX XXXX? I said No. The text said WF froze my account due to potential fraud and WF would call me. A man called me immediately from the above-referenced number and asked for my bank login and password so that they could open another WF account to transfer my money from my old account to my new account. I supplied the login information and they sent me a temporary password. They sent me codes that I had to repeat to them and then they asked me to transfer {$9000.00} because they could only transfer XXXX at a time, which I did. Wire transfer confirmation # XXXX. XXXX XXXX XXXXXXXX. Money sent to XXXX XXXX XXXX XXXX. The recipient name was XXXX XXXX  I called WF to inquire if the text/call was legitimate while the scammer was on the phone. WF advised me to change my login/password and start a Claim, which I did. Claim number XXXX. No mention was made by WF to close my account until my second call to WF at XXXX XXXX  The wire transfer was " pending '' until XX/XX/XXXX or XX/XX/XXXX. The bank has closed the claim because they could not retrieve the money from 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 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: NH

Complaint narrative:
I had opened up a checking account in the month of XXXX since they had a promotion going on. This is what the promotion said : XXXX open a m & t XXXX XXXX or XXXX XXXX  account by XX/XX/XXXX - I did open a XXXX   account before XX/XX/XXXX XXXX access money smart by enrolling in m & t online and mobile banking and launching the money smart dashboard and accept the terms and conditions by XXXX - I did this as well 3. Maintain XXXX XXXX monthly balance for the months of XXXX and XXXX- I did this as well The promo code used was CD After doing all the 3 above, I had confirmed with the online rep and they said I was all set to receive the {$250.00} bonus as long as I maintain {$1000.00} for XXXX and XXXX which I did but i still haven't received my {$250.00} bonus. It's almost mid XXXX  and now when i called the bank they are telling me they dont know why I haven't got my bonus. 


This is the most ridiculous bank to deal with. I have also attached the flyer for reference which states all the steps and I followed them all

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 2024-08-12 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: VA

Complaint narrative:
Please see my attached XXXX for the XXXX dated XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I submitted my school Misconduct Discharge application explaining that I am also part of the XXXX XXXX XXXX Borrower Defense group, where it was won in court that XXXX XXXX determined that the school I attended did, in fact, defraud its students. Based on that information, I submitted the School Misconduct Discharge paperwork, also providing my case # with student aid. I received a generic response stating that my application has been denied. 

That Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 

However, no context was really given to me as to why my application was denied or what information they were using to determine that it would be approved. How can my school be determined to have defrauded me with my federal loans but not my private loans? I want to appeal this denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: FL

Complaint narrative:
I am writing to formally complaint about EQUIFAX 's handling of fraudulent information on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). I found a collection account on my EQUIFAX credit report that I did not open or authorize. The details of the fraudulent account are as follows : XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/year> BALANCE {$5600.00}. This account is a result of identity theft, as I have no association with it. Despite filing a dispute with EQUIFAX, this fraudulent entry remains unresolved. Under the FCRA, specifically 15 U.S.C. 1681i, EQUIFAX is required to investigate disputes promptly and ensure the accuracy of information reported, which they have failed to do in this instance. 
Furthermore, 15 U.S.C. 1681c-2 mandates that a consumer reporting agency must take steps to prevent the inclusion of fraudulent information in a credit report. I have also provided a copy of my FTC Identity Theft Report with the report number XXXX and other relevant documentation to EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: LA

Complaint narrative:
Could you please help me address some negative items on my report? I have already submitted the three documents you requested, along with the dispute letters and details of the specific accounts I want removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I call XXXX on XX/XX/year> Informed them that my credit report was not showing. They gave me a site and wish to upload my license, Social Security card and utility bill. I tried multiple times to upload it. This system is flawed. I called back they told me to send in the information. I sent the information on or around XX/XX/year>. I called back in to check to see if they received the information they did not. They need to fix their uploading system, which it asked you to put it in a XXXX  format any photos or upload in XXXX  format This is a stall tactic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing regarding a collection entry from your agency that has appeared on my credit file. This entry is of significant concern to me as I was not previously notified of this collection, and I have serious reservations about the accuracy of the claimed debt. 

As is my right under the Fair Debt Collection Practices Act, I am formally requesting validation of this debt. I expect you to provide this validation and take appropriate steps to address this issue. 

Please note that a comprehensive response, including all requested items, must be furnished within 15 days of the date of this communication. Be advised that failure to provide a satisfactory validation response within this timeframe will be deemed insufficient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My XXXX score is wrong. I have had deleations from XXXX with complaints filed through your CFPB and living funding is still on my TransUnion and XXXX reports. XXXX XXXX lost a court case and they need to be removed immediatley as well from all three reports. Nobody has my signature. It can't be provided. I also have closed accounts with XXXX balances and I demand them to be removed as well. I have been dealing with this for years. I can not do anything financially because of improper reporting and it causes harm to my family. I can't buy a car, house, get an apartment. If a report shows written off, they need to be removed as well. It's sickening and against the 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 2024-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: P&B Capital Group, LLC
State: CA

Complaint narrative:
XXXX XXXX from PNB capital group, Began by calling me at XXXX in the morning which is way before XXXX which is the legal time to be called. And then proceeded to leave me a voicemail saying that she has tried to call several times even though this is the first time I have received a call from that number. She then threatened me by saying, because I have not picked up, she will begin calling all of my references, which I have no idea what that means.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: WA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I am writing to file a complaint against SoFi Bank for their failure to allow me to access and withdraw my funds due to a systems error, as well as the subsequent poor customer service I received when attempting to resolve the issue. 

On XX/XX/XXXX, after enduring months of subpar customer service and an overall negative experience with SoFi Bank, I decided to close my savings account. I attempted to transfer the remaining funds to my original bank, XXXX XXXX, which was the same institution I used for the initial ACH deposit into my SoFi account. However, SoFi Bank was experiencing a systems error that prevented me from completing the transfer. 

After multiple attempts to verify and re-verify the account through SoFis website and confirming with XXXX XXXX that their systems were operational, I reached out to SoFi Banks customer support to remove my funds from the account. The support representative indicated that the issue was due to an internal systems error at SoFi Bank and informed me that my only alternative option was to wait for 30 days to receive a paper check for my funds. 

I believe this action is a violation of my rights as a consumer. If I choose to withdraw my funds from a bank, I should be able to do so promptly and without unnecessary delay. SoFi Banks inability to provide a timely solution and forcing me to wait 30 days for a paper check is unacceptable. The bank should have provided an alternative method to access my funds, especially given that the issue was on their end. 

Despite my efforts to resolve this issue through multiple conversations with SoFi Bank, I was met with consistently poor customer service, and my concerns were not adequately addressed. I have attached a screenshot documenting the situation, which clearly shows the lack of response from the representative regarding my issue. 

As of now, my funds have not been transferred, and it appears that they are effectively locked in my SoFi Bank account until either the systems error is resolved or I am forced to wait 30 days for a paper check. This situation is causing significant inconvenience and distress. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that SoFi Bank provides consumers with fair and timely access to their funds.

Company response to consumer: Closed with explanation