vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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: GA

Complaint narrative:
I applied for credit builder account last year to boost credit score. I have had XXXX accounts with them previously. I have never been late on my biweekly account as you will note. However they signed me up for a credit builder plus account which is an additional fee that i was not aware of. I was making my payments to them and noticed were they were taking XXXX a pay period for the same loan so I put a stop payment with the bank. The original loan payments continued and were never late. They reported me to the credit bureau as late and Ive never missed a payment as you will see. I contacted them directly on XX/XX/24 and was on hold XXXX minutes without resolution. This account that was supposed to help my credit and I never missed a payment on has negatively affected my 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 explanation
Consumer complaint received 2024-05-02 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: IL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: CO

Complaint narrative:
In XX/XX/2023 my SoFi bank account ending in XXXX was used to make XXXX fraudulent transactions in the amounts of {$290.00} on XX/XX/XXXX and {$3200.00} on XX/XX/XXXX. I immediately contacted SoFi to dispute the charge and filed a police report. Almost immediately SoFi/XXXX refunded me the {$290.00} but has since refused to refund the {$3200.00}. The purchases were from the same company and the past XXXX months have been a back and forth with SoFi Escalations and Ive gotten absolutely nowhere. My claim keeps getting denied due to no new evidence despite me providing plenty of new evidence. Everything that I have attached to this complaint, listed below, Ive also provided to SoFi Escalations. I need someone to help me because I do not know what to do at this point. I feel like my only option is filing a claim in small claims court against SoFi which I would rather not do. 

These charges were fraud and Ive provided enough proof of this and I am beyond frustrated with the lack of assistance from SoFi.

The SoFi website states the following under the What is SoFi Moneys Fraud Policy? 

If you find fraudulent activity on your cash management account, youre also covered by the XXXX XXXX XXXX policy ( XXXX XXXX XXXX XXXX XXXX  ). See our Debit Card Agreement and Error Resolution Disclosure which secures our commitment that you wont be held responsible for unauthorized or erroneous card transactions as long as you report them to us no later than XXXX  ( XXXX ) days after the XXXX  statement on which the problem or error occurred was made available. Lost or stolen debit cards must be reported within XXXX business days. 

My account was later closed for violating SoFis money services TOS. How is a fraudulent charge violating the TOS? I did nothing to violate the TOS. 

Ive included all of the information in this complaint including the following : Police report IP Address tracking XXXX tracking Email from company ALSO : I originally filed this complaint with the CFPB in 2023 but was told I needed to file it with the OCC so I did. In XXXX I received a letter from the OCC stating that in fact I needed to file with the CFPB so I have attached that letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I'm a victim of identity theft, scam and fraudulent activities that resulted in financial theft during the time period of XXXX XX/XX/year>. I've submitted several claims to the Bank of America regarding this matter. Unfortunately, they have not been able to resolve most of the claims ( with a very small exception ). In addition a {$44000.00} loan was fraudulently taken in my name using stolen identity from XXXX. In order to resolve the fraud claim with XXXX, XXXX has requested a letter from the Bank of America stating that fraudulent activity took place on my bank account. However, Bank of America refuses to generate such letter. Bank of America states that it is internal bank business. 
Police reports, FTC reports, IC3 ( FBI ) and identity theft reports have been provided to the bank.

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 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/XXXX I made a purchase on XXXX, I needed a video editor to help with a video I was going to make for my grandmothers funereal. I tried making the video and it did not work. On that same day I sent various emails saying the product didn't work. I tried and got frustrated that the video editor didn't work. I sent an email saying I want to cancel to product and get a refund. I also made a dispute with Apple Card/ Goldman Sachs on that same day. I have been trying to get this disputed since that day. They have a policy if you request a refund you can get your money back within the XXXX  days. I requested it that same day. I never received my refund. I have tried to explain this to Goldman Sachs but I keep getting my dispute denied. Today XX/XX/XXXX they charged once again for the year and I have yet to use the product. I didn't even know they were still charging me for the product. I had already erased my credit card information and canceled the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upstart Holdings, Inc.
State: MD

Complaint narrative:
I'm a victim of identity theft, scam and fraudulent activities that resulted in financial theft during the time period of XXXX XX/XX/XXXX. In XX/XX/XXXX after looking at my credit report I've found out that {$44000.00} loan was fraudulently taken in my name using stolen identity from Upstart. In order to resolve the fraud claim with Upstart, Upstart has requested a letter from the XXXX XXXX XXXX stating that fraudulent activity took place on my bank account. However, XXXX  XXXX XXXX refuses to generate such letter. XXXX XXXX XXXX states that it is internal bank business. Without this latter Upstart refuses to further investigate the case to come up with a resolution. 
Police reports, FTC reports, IC3 ( FBI ) and identity theft reports have been provided to Upstart.

Upstart has information such as phone number and email of the person who opened the account. This information does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: LEXISNEXIS
State: MI

Complaint narrative:
I wrote to Lexis Nexis on four different occasions to rectify this situation : ( 1 ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages ; ( 2 ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages you removed some info; ( XXXX ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages added info back ; ( XXXX ) XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX XXXX pages. To no avail did Lexis Nexis remove this information. I recently submitted a certified letter through USPS ( XXXX XXXX XXXX XXXX XXXX ) in which I asked them to please remove all non pertinent information from my report. The letter was documented as being received by Lexis Nexis on XX/XX/XXXX. The XXXX report that was sent was over 30 days old which meant I could not view. Once again this is data that has to be removed. 

The Names, Addresses, Emails, and Phone # s to be deleted/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
The address on file XXXX XXXX XXXX XXXX XXXX, DE XXXX is not my address and I would like to get it removed from my account immediately. 

XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
The address on file XXXX XXXX XXXX XXXX XXXX, DE XXXX is not my address and I would like to get it removed from my account immediately. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

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 2024-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
I took a car title loan out with tite max and i belived my boyfriend was making payments on it. I payed XXXX in XXXX the loan was for XXXX now they have repossed my car and want about XXXX to return it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
First I had my money transferred last month and I locked my card due to suspicious activity. They were putting every reoccurring transaction regardless of my account. They hung up every time I called and asked why so I then told them to close out my debit card because I was going to end introuble with the way they do business. Then I made two transactions to transfer money over to my new account. Also its a XXXX  account. They shut my whole account down and refuse to let me have any access to over XXXX. I have the documents and every time I try to get any information it tells me close the account to0. Why am I giving them XXXX XXXX In the situation my money would have been here my dog ate something and I. Can not take to the XXXX or leave her and if she dies its going to be their fault for hanging up every time and not having any reason to do what they are doing. The money was already in complete mode at XXXX. I spoke to XXXX  where I tried to find out because the number it told me to call about the denial of transfer of my funds that they are hanging up with no explanation. I finally got XXXX of them and they told me that I used my savings account. That is clearly not true. In three middle of this my dog needs XXXX  XXXX in which the money would have posted and said it did complete then decided to reject and lie about it and said XXXX  was trying to take it out of my savings account. Thats not true and I will. Give you the documents in the complaint and if they dinot not send my money. They locked both me and my husband s card I cann ot go to a branch while my dog is in the situation to begin with for my own money in which I guaranteed they will not return that money. They wont even speak to me. They are the most unethical I compassionate and they are incorrect I believe they are mad because all my accounts were locked and they continued to pay things I didnt even authorized and had no reason to give me on why they are doing. If I dont have the money that shouldve have been posted. The money said the transfer was complete yesterday day because Im sitting here now with not enough money to take my XXXX dog to a vet its the fault of theirs and I want to press charges to. The fullest stent of 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 2024-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am following up on my recent complaints via the Consumer Financial Protection Bureau ( CFPB ) regarding my request to remove several negative accounts from 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 non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've attempted to unfreeze my credit by calling three different numbers : XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, and XXXX ( XXXX ) XXXX, but each time, the automated system has made it incredibly challenging to speak with a representative. Even when attempting to use the website, I was directed to experian.com/XXXX, where after logging in, I was prompted to sign up for a credit report. After inputting all my information, I encountered two internal error messages, leaving me with no resolution. It's unacceptable that such a basic task has turned into a nearly two-hour ordeal with no end in sight. This process urgently needs improvement, whether through streamlining the website or addressing technical issues promptly.

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 2024-05-02 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : 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 2024-05-02 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-05-02 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: AZ

Complaint narrative:
I been disputing this account to be removed for over XXXX  years with equivalent and they keep telling me its been verified. I ask them how and to send me the original documents with my signature on it from the lender and they wont. XXXX removed this account from 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 non-monetary relief
Consumer complaint received 2024-05-02 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: AZ

Complaint narrative:
I been disputing this account to be removed for over XXXX  years with equivalent and they keep telling me its been verified. I ask them how and to send me the original documents with my signature on it from the lender and they wont. XXXX removed this account from my credit report.

Company response to consumer: Closed with explanation