vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Complaint Summary : I am filing a complaint against Sofi Bank due to their failure to assist in resolving a billing error for a purchase where merchandise was not received. 

Details of Complaint : On [ XX/XX/year> ], I made a purchase in the amount of [ Amount ] from [ XXXX ] using my Sofi Bank account. However, I never received the merchandise despite multiple attempts to contact the merchant. 

XXXX advised me to file a dispute with my banking institution to initiate a chargeback due to their inability to resolve the issue on their end. I promptly contacted Sofi Bank and provided all relevant documentation, including proof of purchase and communication with the merchant. 

Despite my cooperation and repeated requests, Sofi Bank has failed to initiate a chargeback or provide any assistance in resolving this billing error. This lack of action has left me without the merchandise I paid for and without a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Attached is a copy of identity theft report the following accounts were opened fraudulently and fraudulent chargers were made

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 2024-05-12 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: IN

Complaint narrative:
Hello! I received 2 American Express gift cards, one through my employer, XXXX and the other through a coworker as a gift. One is a physical card, worth {$1000.00} and was received in the mail between XX/XX/XXXX & XX/XX/XXXX. The other, worth {$750.00}, was received digitally on XX/XX/XXXX at XXXX XXXX. 

I attempted to use these for discreet purchases on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and more, both online and in-store. I attempted to add the cards to my XXXX account and XXXX XXXX. I attempted to make purchases through XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX a subsidiary of XXXX ). Purchases ranged from {$75.00} to {$750.00}. Each of these transactions was declined. 

Upon doing further research in online message boards ( https : XXXX ) and other online platforms, I learned that other consumers were affected by the same challenge. I contacted American Express XXXX XXXX at XXXX on XX/XX/XXXX at XXXX XXXX. I requested a declined transaction history and other details, which the support rep was unable to provide digitally, but did provide verbally. The support rep informed me my issue had been entering the card number incorrectly. This is not the case, as it was declined both in-store and online. Following this unsatisfactory support experience and learning more about the experiences of others, I decided to file with the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-12 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: NJ

Complaint narrative:
Companies illegally and inaccurately reported illegal information to my credit report, and the said information has damaged my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently reviewed my credit report and notice I have fraudulent accounts on my report.Please remove these accounts off my report they are hurting my ability to obtain Credit

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 2024-05-12 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello I have multiple American Express XXXX XXXX that I am unable to use anywhere. When I've tried to reach customer service I'm on hold forever- so I keep trying to use them at different vendors XXXX, XXXX, XXXX XXXX, XXXX This has been going on for over a year now. 
There are five cards. The last time I was able to check ( I've tried for over an hour today without success ) I had balances of {$6.00}, {$9.00}, {$17.00}, & {$10.00} on four of them. The fifth one is for {$25.00} however I have not confirmed that balance. 
I have checked on XXXX which is how I found out about this website. Appreciate any assistance. I will not be purchasing any AMEX " gift cards '' as gifts in the future and will definitely be spreading the word on their practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-12 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: VA

Complaint narrative:
XXXX XXXX # XXXX ... .Last due dates reported incorrect. And different dates ... .in all 3 Berous. EQUAFAX, XXXX & XXXX. ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX # XXXX ... .Last due dates reported incorrect. And different dates ... .in all 3 Berous. XXXX, XXXX & 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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-05-12 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: FL

Complaint narrative:
I am writing to inform you that the associated account linked with XXXX XXXX has undergone successful discharge through the Internal Revenue Service ( IRS ) via a 1099C form. Attached herewith is Copy B of the processed 1099C from the IRS for your reference. 

As a direct consequence of this account being settled and discharged by the IRS through a 1099C, I hereby request the immediate deletion of the collection balance currently being reported on my consumer report under the names and alias " XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation.

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 2024-05-12 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 inform you that the associated account linked with XXXX XXXX has undergone successful discharge through the Internal Revenue Service ( IRS ) via a 1099C form. Attached herewith is Copy B of the processed 1099C from the IRS for your reference.

As a direct consequence of this account being settled and discharged by the IRS through a 1099C, I hereby request the immediate deletion of the collection balance currently being reported on my consumer report under the names and alias " XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
The debt accrued from Acima is inaccurate and I want to dispute the {$2700.00}. It is causing hardships in my life to where I am unable to move forward in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Companies illegally and inaccurately reported illegal information to my credit report, and the said information has damaged my credit score.

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 2024-05-12 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING ADDRESS IS ALSO FRAUDULENT : XXXXXXXX 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
Consumer complaint received 2024-05-12 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING ADDRESS IS ALSO FRAUDULENT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number : # XXXX and # XXXX Balance : {$2200.00} Date opened : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX CARD Date of Inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX Account name : XXXX 'S XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-05-12 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: SC

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Bank XXXX XXXX Account number : # XXXX and # XXXX Balance : {$2200.00} Date opened : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Account name : XXXX CARD Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX # XXXX inaccuracies reporting. Past due reported inaccurate, differently. I the 3 beuros. XXXX, experian. & 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 2024-05-12 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: PENTAGON FEDERAL CREDIT UNION
State: RI

Complaint narrative:
On or about XX/XX/year> I attempted to finance a car but it was told to me that I had a open loan already in the system. I asked with whom I had this so called loan through and I was given the name of Pentagon Federal Credit Union. I contacted PFCU and sent all documents asked of me including the police report I filed the previous year do to my identity being stolen. PFCU replied a few weeks later stating that it was my loan and I was responsible for it. I tried to reach out to show that it wasn't possible for me to of opened the loan because I was XXXX do to a XXXX. I emailed all documents showing proof and still no response. The other fraud committed using my information was with XXXX XXXX. I have never used or obtained phone service with XXXX XXXX. I attempted to establish service with XXXX and was told I was delinquent with them already, I again sent in documents showing that my identity was stolen and the person/s who have it has been using it to open accounts in my name without any knowledge from me. I was again sent a letter stating that it was my account and I was responsible for the remaining balance. This was around XXXX oXXXX XXXX I also sent proof from XXXX which their investigators were able to determine that I didn't open an account with them through cameras so they took the negative account off of my credit report I don't understand why these other companies can not see I'm a victim of identity theft. Under XXXX5 US CODE 1681 this is action is illegal because this is a defamation to my character!

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Orions Management Group, LLC
State: PA

Complaint narrative:
This account is more the seven years old by law after seven years this should not be reporting to my consumer report last year this collection company brought the debt an place it back on my consumer report as a new collection which now reports as a 6-7 month old collection which is hindering my credit score.This is unfair this debt is more then seven years old by law if I didnt communicate or agree to pay this debt the time line on the debt shouldve never restarted I have told this creditor on multiple occasions this is 7 years old they know this is a debt from 2017 and is now bout to affect my score another 7 years is not fair that would make 14years with same debt effecting my credit history this should be remove please have them remove this debt its illegal to buy a debt from a creditor with out my acknowledgment the original creditor remove the debt and this company has no write to hold me to a debt more then 7years ago

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My TransUnion credit report has disappeared. I have contacted TransUnion several times with no response or relief. 

This has caused my TransUnion credit score to appear to be XXXX. 

This has recently prevented me from leasing a car.

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 2024-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Federal Credit Reporting Act the following creditors have violated my rights : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CAPITAL ONE AUTO FINANCE - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.Code 1681 Section 602 states I have the right to privacy. 15 U.S.Code 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.Code 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.

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