vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX  I was offered a settlement with Wells Fargo I believed I was owed XXXX I asked for XXXX $ then settled for XXXX $ after rejection but the. They send check for XXXX $ to me I still believed Im owed 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 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: WV

Complaint narrative:
SOFI bank restricted my checking account for unknown reasons. I answered all their questions and even confirmed my identity yet they still refuse to give me my money. Its XXXX and I had that {$300.00} saved for XXXX presents that my kids wont get now because they wont even send me a check or transfer the funds to my other bank account and close the account. Ive had all I can take. Theres no reason I shouldnt be able to access MY money. Yet they wan na close my account with no payment to me and I have a {$300.00} balance. Now my address has changed since I opened this account. I was at XXXX XXXX XXXX XXXX XXXX wv XXXX but recently moved to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wv XXXX. However I cant update the account because its restricted. Again I have verified my identity since all this happened days ago but they wont unlock the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In XX/XX/year> I received an alert from my credit monitoring service that a hard inquiry from XXXX XXXX XXXX  came through. I had not authorized any credit pull, nor had I applied for any credit anywhere. I immediately contacted Transunion and was advised to file a police report and contact XXXX XXXX XXXX, which I did. After confirming my identity and researching it, XXXXXXXX XXXX confirmed that someone tried to use my information to obtain credit. The application was actually still in their processing department, but they wouldn't release any other info ( like a phone number or email address used ). But they stated they would alert Transunion that the inquiry was not authorized. On follow up, XXXX confirmed the necessary info was sent to Transunion and the inquiry should be removed. 

That was almost 5 months ago and the inquiry is still there. I filed a police report and provided the report number. Transunion is claiming I need to submit additional information and that XXXX has to submit additional information. XXXX claims they have sent Transunion the proper documentation. 

This is totally unacceptable. The company has advised Transunion that the credit inquiry was not authorized, I have told Transunion the credit inquiry was not authorized, and I sent them a police report confirming once again that the credit inquiry was not authorized. If there is no authorization from me or the creditor, how can Transunion continue to report this inaccurate information that is negatively impacting MY CREDIT SCORE. 

Transunion is the only credit bureau reporting this hard pull.

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 2024-12-01 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX. 

Experian po box XXXX XXXX, TX XXXX. 

Request for Credit Inquiry Removal Incorrect address Incorrect credit Report. 

Dear Experian, I am writing to dispute an unauthorized or inaccurate credit inquiry on my credit report. Below are the details of the investigations in question : 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 

Unauthorized inquiry, no credit application was submitted I did not authorize this inquiry, nor did I apply for credit with the company mentioned. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inquiries that I believe are unauthorized or inaccurate. Also, the addresses listed on my credit report are incorrect. 
I kindly request that you investigate this matter and remove the inquiry from my credit report if it is found to be invalid. To assist in your investigation, I have included the following documentation : 1. A copy of my credit report with the inquiry highlighted. Please notify me of the results of you
r investigation as soon as possible. I appreciate your attention to this matter and look forward to your prompt response. If you require additional information or documentation, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: MS

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$25000.00} from XXXX XXXX XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely deleted this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit reports integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, 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 2024-12-01 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: MS

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$25000.00} from XXXX XXXX XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely deleted this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit reports integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
Account number XXXX Subject : Formal Dispute Regarding Negative Item and Violation of Federal Laws To Whom It May Concern, I am writing to formally dispute an inaccurate and unlawful negative item listed on my credit report. I believe this entry is not only incorrect but also reflects a violation of several federal consumer protection laws. Below, I outline the violations and request immediate action to investigate and rectify this matter.

1. Violation of 15 U.S.C. 1635 ( Right of Rescission ) : Under the Truth in Lending Act ( TILA ), I am entitled to specific disclosures and protections regarding financial obligations. This law provides a right to rescind certain transactions within a specific timeframe. The negative item on my report does not reflect that this right was properly honored or communicated.

2. Violation of 15 U.S.C. 1692g ( Validation of Debts ) : As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any alleged debt. Despite my requests for verification, I have not received adequate proof that the negative item on my report is valid or accurate. This failure constitutes a violation of federal law.

3. Violation of 15 U.S.C. 1692c ( Communication Practices ) : The FDCPA also regulates the manner and timing of communications regarding debt. Any communication about the disputed item must comply with the prescribed standards, including restrictions on contacting me without consent or at inappropriate times. I believe these standards have not been adhered to.

4. Violation of 15 U.S.C. 1681e ( Compliance with Accurate Reporting ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus maintain strict procedures to ensure the maximum possible accuracy of information reported. The presence of this negative item, which I have reason to believe is inaccurate or unverifiable, indicates a failure on your part to comply with these obligations.

Requested Resolution : 1. I demand an immediate investigation into this matter and the removal of the disputed negative item from my credit report.

2. Please provide me with a purchase agreement verifying the accuracy and legality of the information in question, as required by federal law.

3. Confirm in writing that the disputed item has been removed or corrected within 30 days of receiving this letter.

Failure to address this matter adequately and in compliance with federal laws may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies.

Thank you for your prompt attention to this serious matter. Please acknowledge receipt of this letter and keep me informed of your actions regarding this dispute.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Im filing this complaint against Equifax, Equifax had a massive data breach unfortunately I was one of that consumers that had my information leaked severely, my information on my credit report is missing, car loan from XXXX XXXX XXXX XXXXXXXX, credit cards from XXXX XXXX XXXX, credit card from XXXX XXXX XXXX XXXX, and my personal loan, yall need to fix my report nothing is showing up its like my information has been hacked, and yall have drop my social security number and all my personal information, Im getting severely frustrated because of the scam calls and text and emails, yall have caused damage to my credit report and my personal life, I can not access my report or see anything its all gone, yall have exposed my information so bad Im constantly getting harassed by scammers, and I have blocked so many, settle this before I hire a private attorney, yall have caused me identity theft not just this time other times I gave two accounts in my XXXX because of yalls failure to protect my information now please fix this and settle this do not ignore my complaint or problem resolved immediately. 

I cant even login its like my credit file has been hacked. And my information has been stolen please resolve i have accounts showing over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I had filed a couple previous complaints and am asking if this new complaint and information can reopen the previous two cases I had to replace my battery not long ago and the receipt is attached, I also was informed that upon getting my mainfold bolts replaced on passenger side only, that my ABS Module Sensor was bad, my Heater will need to be replaced due to no heat, and that i will need to reschedule another day so that my drivers side maifold bolts can be fixed as well. 
Upon, Leaving the VA, I went to XXXX next door, I pulled out a Blower motor Relay to check if it was blown and the ABS Module relay, in which, XXXX relays had some corrision on them, I went into XXXX to see hiw much these relays would be. 
Upon leaving XXXX, I started the truck fine and let it warm up a little more, I than went to put the Truck into Reverse and found the I could not shift from park to reverse. 
Upon exiting the Truck, Observed that the headlights flashed several times, than I found that my rear light tail light was the only one working as to my drivers side headlight only worked, I reset the eletronic control module by touching the positive and negative battery cables together for 30 secs. The end result was the same. 
When calling XXXX Premium Extended Warranty for Approval, They informed me that it would cover XXXX, meaning to me that the tow was covered, I get a call from the towing company informing me of an unpaid balance of XXXX dollars which needed to be paid first? Not understanding any of this I paid it, the tow truck driver didnt understand why that was said when my warranty covered the deductable for XXXX dollars. 
I am asking if there is anything you can do or make any calls to Credit Acceptance or XXXX in order for me to get a rental car at there expense come Monday afternoon as the truck has been sitting at the Mechanic Shop since Tbursday and wont be looked and diaginosed until monday and hard telling when all other items will be fix and how long it will take. 
I feel that Credit Acceptance should be become more liable an or enforce the vechile contract onto the sellers at this point and make them liable as they would have me if i was to violate the purchase argeement that was signed by me and the seller. The seller sold me a truck and hidden details about the truck and did not disclose the vechile history or repairs thst the truck has gone through, in which i did not become aware thst they were suppose to when until i reread through the vechile contract.

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 2024-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Point Digital Finance, Inc.
State: FL

Complaint narrative:
I have a HEI lien on my home that I am selling., with Point Home Equity Investment XXXX 
They sent me three totally different payoff amounts, I originally took out XXXX in XXXX. 
I just signed a contract to sell my home on XX/XX/XXXX, before foreclosure. 
First, they asked for the signed contract, and sent me an amount of XXXX due. This made sense, because the house sold for only XXXX, under the appraisal amount when I took out the loan. 
An email was sent with a payoff of XXXX also, several months ago. They originally sent me this before I signed the contract to sell. 

NOW- they are claiming the payoff is over XXXX. 

They are claiming, nthe home value of XXXX is the percentage they went by, when the Notice of Default was served, in XX/XX/XXXX. 
I am ready to close with the title company, but Point is kicking me while I'm down. I'm having to sell my house to avoid foreclosure I checked the Point contract and is states " in some cases of default '', the payoff goes by what the value was at the time of the Notice of Default. 
Apparently this is " some case '' because they chose to gouge me. 
There is something not right about this. 
Point low-balled my home appraisal, using their appraiser, ( bias ), when I was getting the loan.

But now they go by market value, when it's time for them to be paid back. 
They reneged on the correct payoff, the one I sent to the buyer. 
They knew about the Default all along, they are involved in the foreclosure lawsuit. 
Why even request the signed contract to begin with? 
Very unprofessional. 
And they ripped me off. 
Sneaky, unethical and unscrupulous business practice. 
This isn't the last time you will be hearing from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Hello, This is a statement I am writing in regards to my Robinhood account that was restricted out of nowhere, without warning, and now I can not access any funds or commit anything. 

My debit card with Robinhood has also been restricted, I have been blocked off of my cash in my brokerage and cash account for Robinhood and I have no access to it whatsoever. 

Robinhood account associated with the issue : email : XXXX phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation