vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
XXXX. In XX/XX/XXXX I took out a Personal Loan ( XXXX # ... XXXX ) with Sofi for {$14000.00} at an Interest Rate of 10.70 % and was making payments of {$350.00} per month with no issues. 
XXXX. On XX/XX/XXXX I received an offer from Sofi via my online account that I was eligible to apply for another Personal Loan in the amount of {$11000.00} at an Interest Rate of 13.55 %. 
XXXX. I took the offer with the intent of consolidating my high rate credit cards and completed the application online. I was approved immediately and received an email saying the proceeds will be deposited into my checking account within a day. 
XXXX. I later checked my Sofi online account and saw that the proceeds of the loan was used to pay off the Personal Loan I already had ( XXXX # ... XXXX ) so no funds were ever deposited in my bank account. 
XXXX. I called Sofi Loan Dept and explained the situation to a Loan Supervisor Agent and was told that the loan I applied for was a Refinance Loan. I told the Supervisor that the application I submitted said nothing about a refinance, I requested to cancel the loan and was told that the loan was already funded and nothing can be done. I requester to speak to a higher authority and was told the the Supervisor was the only authority who makes the decision. Supervisor 's name was XXXX, refused to give last name, no XXXX # on file, phone # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, My name is XXXX XXXX, and I'm lodging this complaint because it's the third time I've reported my identity theft, yet no action has been taken. The credit bureau hasn't responded to my disputes, and neither have the companies involved. I feel like my consumer rights are being violated. As the victim, I can't get the assistance or response I need from the companies overseeing credit reporting. If no action is taken, I'll have no choice but to pursue legal action.

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 2024-03-18 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a payment of XXXX on a XXXX limit credit card. My credit limit was caped at XXXX. When I called, the rep told me there were a number of reasons why a payment would not be credited to the account. None of the reps I spoke with could articulate any of those reasons, nor would they provide me any of the documentation they were referring to that covered those reasons. 

I have attached the actual published agreement. Discussion with the reps indicated that there was an automatic hold placed on payments that were half or more of the the credit limit, for accounts that were younger than 6 months. They suggested that there were other similarly arbitrary, automatic, and non-reviewable rules that could result in additional payment holds, and that none of those rules could be disclosed. Nor were the representatives aware of all the rules.

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 2024-03-18 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: NJ

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 2024-03-18 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Got notification that cc was applied for in my name for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX showed up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: TX

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 2024-03-18 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: LoanCare, LLC
State: CO

Complaint narrative:
In XXXXXXXX XXXX XXXX there was a hail storm that damaged my house. I filed a claim and XXXX XXXXXXXX XXXX inspected an said the repairs are around {$60000.00}. They sent a check for $ XXXX for endorsment then we had to send it to the loan servicing company XXXX Loan CarXXXX ( Loancare ). My contractor filled out every form that Loancare has asked for. My XXXX and I even sent Loancare a signed invoice stating that they need at least $ XXXX to get started. Loancare denied that request. Loancare has over $ XXXX from my insurance company and will not disburse any of the funds. The Money is for the repairs of my home and Loancare will not give me my money. If you can fix this or provide me with an attorney 's information, so I can sue them. It would much appreciated. This is criminal in my opinion.

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 2024-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Village Capital & Investment LLC
State: NJ

Complaint narrative:
On XX/XX/2024 Village Capital Investment our current mortgage lender reached out to us offering a program to refinance for a lower interest rate through the FHA. They stated that we did not need to do the paperwork or income verification just sign documents they would send over. They also stated that we should not make XXXX mortgage payment until closing and we would be able to skip XX/XX/2024 payment. 
We signed all the documents send over by XXXX XXXX on XX/XX/2024. 
On XX/XX/2024 XXXX reached out to us and stated we need to make XXXX 's payment because the paperwork was delayed for the closing. We would hold XXXX until closing and skip XXXX 's payment. We attempted to make the payment but Village Capital was forcing us to include late fees which we should not be accountable for. I reached out to XXXX on several occasions regarding this matter. Him nor anyone in Village Capital Customer service or loan department has returned calls or emails regarding this refinance and has since reported us late to the credit bureaus. The loan department abonded our application and file leaving us with late fees on our account and negative reporting our credit report. 

The loan official XXXX finally contacts us after XXXX months of no communication to tell us that they wont process the refinance because we had a 30 days late payment in XXXX when they told us not to make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I requested that the information be investigated for the inaccuracies of ( 2 ) Bankruptcies that Experian is reporting. I requested the steps taken to conduct the investigation and for them to provide the company that allegedly verified this information. XX/XX/2023 was the date of the last dispute letter sent out to Experian, where they failed to provide any of the requested information. Instead they provided an updated credit report that the information was verified. In accordance to the procedures set forth below Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

My consumer rights have been violated by Experian which has caused a negative impact for me to obtain credit. Failure to conduct an investigation in a timely fashion, removing inaccurate information has caused me to get a higher percentage rate when I was granted credit. Experian claims that the company XXXX is the source of the verification, that company DOES NOT have a report of any bankruptcies on a file that they presently have associated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A complaint and order to remove account from the personal credit report was requested due to the account being shown as CHARGE OFF, which according to the Internal Revenue Service is considered income, which should be reported on the individual 's tax income. We have requested numerous time the company remove the account from the credit report as this account in COLLECTIONS is injuring the individual from attaining a higher credit score to participate in commerce.

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 2024-03-18 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: LA

Complaint narrative:
I contacted the credit bureaus about incorrect accounts on my credit report and they did not respond in 30 days. I asked them to verify the information and they failed to verify it and it is still showing up on my credit report. I need this fixed as soon as possible because I am trying to purchase a home and their incorrect reporting is holding me back.

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 2024-03-18 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I contacted the credit bureaus about incorrect accounts on my credit report and they did not respond in 30 days. I asked them to verify the information and they failed to verify it and it is still showing up on my credit report. I need this fixed as soon as possible because I am trying to purchase a home and their incorrect reporting is holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was denied for both XXXX and XXXX credit cards, and according to my research you are not allowed to use anything but my criminal record and I dont have one. This was in XXXX of 2024 not only that AMEX has a Prospectus an a Indentured Trustee act as well as a XXXX SEC filing that states all applicants are eligible at time of application it also says in a round about way ALL applications are traded on the secondary market, Im starting my life over and cant get any help and I am evicted with kids because a company decided to tell me no but benefits due to my social security number and signature. I dont appreciate how AMEX has benefited while I suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: OR

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 2024-03-18 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: OR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
NR/XXXX/XXXX  REPORTED A LATE PAYMENT ON MY CREDIT WHICH IS FALSE. THIS HAS HURT MY SCORE SEVERLY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: TX

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