vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-27 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:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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:
XXXX card services XX/XX/year> I didn't do this

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 2024-04-27 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: TX

Complaint narrative:
I reached out to the credit bureaus regarding information reported on my credit report that is wrong. I sent the required details and information but they have not conducted their investigation within 30 days. I checked my credit report today and nothing has been fixed or corrected.

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 2024-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
I have been getting fees for subscriptions that overdraft my Green State Credit Union checking account. They offer a Card Control to turn your card off, but it does not work for overdrafts. Almost all my fees occur when my Card Control has the card turned off. That means {$35.00} fees for stuff that might cost less than half that, with no way of controlling. When I complained about the fees and inability to control them, they told me I should cancel all my subscriptions. I said they were predatory, they said I need to go in person to change anything. They then changed it without telling me. I asked who changed it and when, they would not tell me. I also got random fees without details for {$4.00} and {$3.00}. I asked them to tell me what they were for, they would not. XXXX from account resolutions would harass me about my account being negative, even though my fees were hundreds of dollars per month. They would only refund 1 per year. I also asked them what the OD fees are being used for and they would not tell me. They are preying on people who are financially unstable and harassing us to get back positive. I also have explained to them many times that I have been very ill for almost two years, and finishing a XXXX XXXX. I graduated in XXXX, but could not really start work because I was waiting for XXXX that was not scheduled. Once it was scheduled I got a job with employer who was understanding. I had my XXXX XX/XX/XXXX, was off for about 10 days. I then returned to work. This whole time I have explained myself to GSCC several times. They gave no exceptions. They even force deducted my minimum credit card payment after I explained to them I was short on rent, because of XXXX, and wanted to hold off, but would soon be able to make regular payments. The worst part is the games they p [ lay. They call and email and harass you, even knowing my health and financial situation. They even forced me to call them from work, and would not let me off the phone even after talking for some time and telling them that I was working and had to go. I set up mobile pantries in underserved communities giving food to people of need. My boss was waiting at the location, I was ot the office trying to leave. They kept me on the phone, would not answer my questions, and told me that if I paid my rent instead of my credit card payment they would deduct the money, which is what they did. This supposed credit union is predatory and should be scrutinized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-27 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-04-27 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-04-27 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: CO

Complaint narrative:
To anyone who can assist me at the CFPB, I hope this message finds you well. I'm writing to share my concerns about the unresolved issues with my credit report. Back on XX/XX/year>, I took the step of sending a formal letter addressing several inaccuracies and unknown inquiries that have been haunting my credit profile. Sadly, despite waiting patiently for over 52 days, I haven't received any acknowledgment or resolution from the credit bureaus. 

This prolonged silence has left me feeling frustrated and a bit lost. These inaccuracies aren't just numbers on a report ; they're affecting my everyday life. I've noticed several collections on my credit report reporting inaccurately, leading to denials for essential services and unfair increases in interest rates. The impact isn't just financial ; it's taking a toll on my dreams of buying a home and growing my business, responsibilities I hold dear as the primary provider for my family. 

I've done everything I can to address these issues, diligently disputing accounts and inquiries. However, despite my efforts, I haven't received any substantial evidence for their verification. It's disheartening to see Section 611 ( a ) of the Fair Credit Reporting Act overlooked, which mandates the removal of items not investigated within 30 days. Given that it's been over 52 days without any resolution, I feel compelled to demand the immediate deletion of these erroneous accounts to restore the accuracy of my credit profile. 

Beyond my personal situation, I'm deeply concerned about the broader implications of these inaccuracies. Maintaining accurate consumer reports isn't just about me ; it's crucial for the health of our economy. This negligence erodes consumer confidence and slows down economic progress. As a responsible consumer, I believe in the importance of timely and accurate reporting, and I trust that you share this belief. 

I'm reaching out with hope and a firm belief in your commitment to consumer rights. I urge the credit bureaus to take swift action to rectify these issues and remove the inaccurate accounts from my credit report. Failing to do so will leave me with no choice but to explore legal options to address the stress and hardship caused by their negligence. 

Thank you for taking the time to listen to my concerns. I'm optimistic about a swift and satisfactory resolution that upholds the integrity of the credit reporting system and protects consumer rights. 

Warm regards,

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 2024-04-27 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: CO

Complaint narrative:
To anyone who can assist me at the CFPB, I hope this message finds you well. I'm writing to share my concerns about the unresolved issues with my credit report. Back on XX/XX/year>, I took the step of sending a formal letter addressing several inaccuracies and unknown inquiries that have been haunting my credit profile. Sadly, despite waiting patiently for over 52 days, I haven't received any acknowledgment or resolution from the credit bureaus. 

This prolonged silence has left me feeling frustrated and a bit lost. These inaccuracies aren't just numbers on a report ; they're affecting my everyday life. I've noticed several collections on my credit report reporting inaccurately, leading to denials for essential services and unfair increases in interest rates. The impact isn't just financial ; it's taking a toll on my dreams of buying a home and growing my business, responsibilities I hold dear as the primary provider for my family. 

I've done everything I can to address these issues, diligently disputing accounts and inquiries. However, despite my efforts, I haven't received any substantial evidence for their verification. It's disheartening to see Section 611 ( a ) of the Fair Credit Reporting Act overlooked, which mandates the removal of items not investigated within 30 days. Given that it's been over 52 days without any resolution, I feel compelled to demand the immediate deletion of these erroneous accounts to restore the accuracy of my credit profile. 

Beyond my personal situation, I'm deeply concerned about the broader implications of these inaccuracies. Maintaining accurate consumer reports isn't just about me ; it's crucial for the health of our economy. This negligence erodes consumer confidence and slows down economic progress. As a responsible consumer, I believe in the importance of timely and accurate reporting, and I trust that you share this belief. 

I'm reaching out with hope and a firm belief in your commitment to consumer rights. I urge the credit bureaus to take swift action to rectify these issues and remove the inaccurate accounts from my credit report. Failing to do so will leave me with no choice but to explore legal options to address the stress and hardship caused by their negligence. 

Thank you for taking the time to listen to my concerns. I'm optimistic about a swift and satisfactory resolution that upholds the integrity of the credit reporting system and protects consumer rights. 

Warm regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: GA

Complaint narrative:
XXXX card services XX/XX/year> I didn't do this

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 2024-04-27 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: GA

Complaint narrative:
XXXX card services XX/XX/year> I didn't do this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: CA

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
To Whom It May Concern, I am compelled to formally address the ongoing and unresolved issues concerning the freeze on my Coinbase account ( case # XXXX ). Despite my compliance with all your requests for additional documentation and information since XX/XX/2024, my funds remain inaccessible with no justification provided for this delay. This protracted situation has caused considerable financial and personal inconvenience. 

Detailed Timeline of Events : XX/XX/2024 : Initial contact from Coinbase Compliance noting missing or outdated XXXX  information, with a request to update this within 15 days to avoid restrictions on my account. 
XX/XX/2024 : I responded comprehensively, detailing my previous occupation at XXXX XXXX, explaining the origins of the funds as my savings from employment, and attaching relevant payslips through XXXX. At this point, I was no longer employed and unable to provide recent employment verification, as detailed in my reply. 
XX/XX/2024 : Additional documentation and clarification were requested by your team, to which I responded with the required information, including a repeat submission of my payslips and bank statements. 
XX/XX/2024 : Further clarifications were provided concerning transactions queried by your compliance team. 
XX/XX/2024 : Submission of additional documents as per your request, including an electricity contract and screenshots. 
XXXX to XX/XX/2024 : Multiple follow-ups were made by me seeking updates, with minimal and non-substantive responses received from Coinbase. 
Principal Concerns : The ongoing request for documentation, which has repeatedly been provided in full, suggests a systemic issue in your review process. Furthermore, the lack of effective communication and transparency in handling this matter contradicts the values purported by Coinbase. 

Demands for Immediate Action : Immediate Review and Release of Funds : I demand a thorough review of my submitted documents and an immediate resolution to the freeze on my funds. 
Detailed Explanation and Timeline : I request a detailed account of the reasons for the ongoing account freeze and an explicit timeline for the resolution. 
Compensation for Losses : Given the significant inconvenience and potential financial repercussions of this delay, I seek fair compensation. 
Assurance of Non-Repetition : Measures must be implemented to prevent such occurrences in the future, ensuring that customer issues are resolved in a timely and transparent manner. 
I am prepared to take further actions, including legal recourse and contacting regulatory bodies, if this matter is not resolved promptly and to my satisfaction. Please respond within five business days with a detailed action plan and resolution strategy. 

Thank you for your immediate attention to this serious matter. I await your prompt and decisive action. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Subject : Complaint against Sofi bank for holding funds and restricting access Dear CFPB, I am writing to file a complaint against Sofi bank regarding the holding of my funds and the restriction of access to my account. I received an income tax refund of {$36000.00}, which was deposited into my Sofi bank account. 
{$21000.00} has been held and restricted from my access. 

I intended to invest these funds with Sofi bank ; however, upon reviewing the associated risks, I decided to withdraw the funds. Despite my attempts to withdraw the funds, I discovered that Sofi bank only allows withdrawals of {$1000.00} per day. In an effort to access my funds, I began making purchases using my Sofi bank card at various locations, including XXXX and XXXX. 

However, my card was subsequently blocked, and I was instructed to contact the IRS. I fail to understand why this action was necessary, as the IRS had already released the funds to my Sofi bank account. I have attached proof of my income tax release, as well as documentation of my attempts to withdraw the funds and my purchases made using the Sofi bank card. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that I am able to access my funds without further delay. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: DISCOVER BANK
State: CA

Complaint narrative:
So every transactions I make I get sent to fraud department and need to authorize transaction. But for some reason the transaction does not get approved or I can only make one purchase on the {$20.00} and I won't be able to use the car no more. As for right now I was trying to buy some food on XXXX XXXX  and it was less than XXXX and it got frauded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
According to FCRA 605B, we are required to remove any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I should receive {$1000.00} for each erroneous entry on my credit file.

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 2024-04-27 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: AL

Complaint narrative:
According to FCRA 605B, we are required to remove any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I should receive {$1000.00} for each erroneous entry on my credit file.

Company response to consumer: Closed with non-monetary relief