vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act.The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX. 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 report agency may make any consumer report containing any of the following items of information any other adverse items 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 2024-12-31 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: MS

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 1

5 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 2024-12-31 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: MS

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 explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
I had autopay set up to a credit card with Synchrony bank from my Sofi savings account. Monthly withdrawal was {$250.00}. On XXXX I canceled my autopay, and scheduled a one-time payment for my remaining balance from my Sofi account . 
On XXXX my payment of {$2000.00} was sent to XXXX, both institutions have a record of this payment being made and received. My balance was paid in full with this payment. My sofi account balance was updated to reflect this payment On XXXX XXXX posted a payment of {$250.00} to XXXX, but XXXX does not show this payment being received. My sofi account balance was reduced to reflect this payment. 

I reached out to synchrony and sofi on XX/XX/year>. XXXX advised they showed no payment, and i have no balance, so they asked me to reach out to sofi since they can't trace a payment that isn't in their records. 
I reached out to Sofi on XXXX  The agent I spoke to said they were opening a dispute on XXXX and would email me with follow-up information. As of XXXX  I have not received any contact, emails or additional info. The funds are still removed from my account, and I got no info on where the money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My debit card was withdraw XXXX  ( 2 times ) after a transaction was canceled. I have been trying to get refund but not the bank and not the store feel responsible for my money. Help please.

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 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rausch Sturm LLP
State: LA

Complaint narrative:
The Debtor is XXXX XXXX, and the XXXX XXXX is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX. XXXX XXXX, XXXX, AL XXXX. 

Their phone number is : XXXX. 

I have just been served with the SECOND Summons asking that I respond to their suit on behalf of XXXX XXXX. 

Mind you this is NOT a notice to appear, but rather a request to accept or deny the debt, and explain why I can not pay it. 

I have already written directly to XXXX XXXX, as well as responded to the first summons, where I indicated that yes, the debt is mine, but since illness has robbed me of my ability to work, I now have to survive solely on my Social Security. 

I explained that I have NO SAVINGS. 

Each time I have to respond to these things, it costs me XXXX that I do not have. 

I called the law firm, and tried to explain, and all I got was a clerk spewing legalese. When I asked her why they keep issuing summonses for the same information, her response was that they would continue to do so until I paid the debt. 

I confess that I got quite angry at this, because, as I already had explained, I CAN NOT PAY IT!!! 

I am mailing a CEASE AND DESIST LETTER today. 

Can they continue to harrass me this way/

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 2024-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: OR

Complaint narrative:
Credit Karma locked my savings account each time I made a deposit and then refused to unlock it even after providing all required verification ( they required a copy of my drivers license and a photo of me with it, which really seems like overkill for just depositing a small amount of money into an account that I own and have established as mine repeatedly in the past ). When they locked it, they would send an email with detailed but incorrect instructions on how to navigate their phone tree in order to speak with a person to verify the account was mine. When I did finally get to a person, they would say they still couldn't unlock the account because I hadn't provided the required verification ( despite having done so multiple times ). I was finally able to get my account unlocked when I told them that what they are doing is illegal and I would be filing a complaint with the CFPB. After that, I did not receive any responses to my emails and suddenly the account was unlocked, even though I hadn't tried to again provide the documentation they claimed they hadn't received and that would be required. I have since closed my account, but restricting access to needed funds for absolutely no reason and then making it impossible to unlock the account without threatening to report you to the government is not an acceptable way to handle people 's money. 

I'd like to additionally note that I was always refused any information. They would not tell me why the account had been locked, they would not tell me how to avoid it happening in the future, and they would not even say what kinds of transactions would theoretically trigger an account to be locked. Again this happened repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
To whom it may concern : Since 2023 and even before 2023, I have been trying to get information on a XXXX debt that I don't believe it mine. I have asked multiple times for a contract or something with my signature and name on this debt but I have received nothing. If this is not tied to me, isn't that a HiPAA violation to sell someone's medical information to a debt collector? None the less, I have no knowledge of this account or the debt. 

WAKEFIELD & ASSOCIATES is listed twice on my credit report for Medical debt that I do not believe is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: GA

Complaint narrative:
I consolodated in 2022 for XXXX. I received a payment notification for part of my loans ( the oldest ). I called but was told to wait maybe they were in process of forgiving all of them. I waited. I also requested XXXX as I have sufficient number to also reach the XXXX marker. The XXXX is " is processing '' since XXXX. I did see on the Fed student aid.gov that you can't just forgive some consolidated loans and not others If you consolidate your federal student loans, the government can not choose to only pay off half of the XXXX. Consolidation combines your federal student loans into XXXX loan with XXXX monthly XXXX. It allows you to pay off defaulted federal loans with a new loan and new repayment XXXX. Consolidation does not reduce your interest XXXX. 

Mohela and Fed loan won't/ca n't answer my questions. I did also include with my XXXX XXXX my personal subsidized loan ( at 3 % ) which is now at 6.5 %. I understand that although it stated those would be forgiven ( I did receive a XXXX XXXX ) but then was told it would not. It is expensive for me ( retired ) to pay close to {$900.00} a month. PLEASE please please help 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 2024-12-31 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: OH

Complaint narrative:
On XX/XX/XXXX according to my credit report from XXXX who stated they get the reports from all XXXX  credit bureaus from a third party. XXXX has stayed the same, Equifax and XXXX both dropped significantly from Almost Perfect to Fair with no explanation. The only derogatory marks have since dropped off a long time ago, there are XXXX Excellent high impact, XXXX of XXXX hard inquiries dropped off low impact, my payments 100 % excellent high impact, credit age XXXX XXXX Excellent Medium impact, Total accounts XXXX needs work low impact. So why does XXXX show a XXXX point drop on XX/XX/XXXX and then it stayed the same since? This is the same day I did my webinar XXXX XXXX XXXXXXXXXXXX XXXX Abuse of Power, Sabotage, Financial Entrapment, Abuse of a XXXX XXXX  and his XXXX  Owned And Operated Business. 

WHO FROM THE VA, IRS etc was involved? 

Images from XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX according to my credit report from XXXX who stated they get the reports from all XXXX  credit bureaus from a third party. Experian has stayed the same, XXXX and XXXX both dropped significantly from Almost Perfect to Fair with no explanation. The only derogatory marks have since dropped off a long time ago, there are XXXX Excellent high impact, XXXX of XXXX hard inquiries dropped off low impact, my payments 100 % excellent high impact, credit age XXXX XXXX Excellent Medium impact, Total accounts XXXX needs work low impact. So why does XXXX show a XXXX point drop on XX/XX/XXXX and then it stayed the same since? This is the same day I did my XXXX XXXX XXXX XXXX XXXXXXXX Abuse of Power, Sabotage, Financial Entrapment, Abuse of a XXXX XXXX  and his XXXX  Owned And Operated Business. 

WHO FROM THE VA, IRS etc was involved? 

Images from XXXX and 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 2024-12-31 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: NY

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow resonance procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : Account : XXXX XXXX XXXX  XXXX Number : XXXX Amount : {$7100.00} In addition, DELETE all non-account holding inquiries over 30 days old. 

Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I called to dispute the information on my credit report with account XXXX ( automoblile loan ) and was constantly put on hold and for long periods of time and representative never came back to the phone. This account was paid out and should be closed. The account was paid by my CPI insurance and my gap insurance company, paid in full and should be showing closed in good standing. The rep constantly kept placing me on hold for long periods of time that I ended up hanging up after being on the call for so long.

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 2024-12-31 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: NY

Complaint narrative:
Key Issue : Experian is not giving me access to my Experian account ( credit file ) despite XXXX months of regular follow ups, emails, calls and faxes with my info, after fraudsters have changed the email/phone account associated with my account. 

History : 1. My credit info was leaked in XX/XX/2024. I placed a freeze on all my credit bureau accounts in XX/XX/2024 XXXX. However, someone was able to get control of my Experian account and also opened an Experian checking account 3. I need to prove my identity to Experian, so that they can give me access to the account. I have sent all the required info ( passport, utility bill, SSN, ID ) I have been following up on this matter regularly with Experian but they keep saying that they don't have any updates for me 4. I have uploaded my info on Experian, sent faxes, emailed and called them but there has been no resolution to this and no progress. Experian has not even been open to giving us a resolution timeline.

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 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
My adult son had a Coinbase account. He died XX/XX/XXXX and I reached out to Coinbase on XX/XX/XXXX to begin the process of inheriting his account before the XXXX XXXX XXXX was completed. I created my account which I was told I had to do and sent them his death certificate. They verified they received it on XX/XX/XXXX and gave my request a case number- Case # XXXX. I let them know on XXXX that I was waiting the four months the court required to pass from the date I filed the small estate before any assets could be distributed. On XX/XX/XXXX they told me they were closing the case and it couldn't be reopened, not acknowledging the the message I sent days before explaining why it was taking so long. I contacted them again on XX/XX/XXXX to start the process over. The new case number is XXXX # XXXX. I sent them all the forms they requested by uploading them like they instructed : email addresses associated with my son 's and my account, death certificate, copy of my driver 's license, small estate affidavit and signed letter of instruction. They reply on XX/XX/XXXX by thanking me for uploading the documents and then ask for them again. I tell them I sent them all those forms and ask them to verify that they received them. They email me the same day saying that they haven't heard from me and will automatically resolve the case in XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Tried to report with XXXX but they direct these complaints to you. 

Issue is with USBank. Someone has opened a checking account fraudulently in my name and using my email. They used a different SS #. Because they are not using my SS #, I can not access the account in order to shut it down. I've tried to contact the fraud dept at US Bank multiple times but they are uninterested even though this obviously has KYC and XXXX implications ( which is why I tried XXXX first ). 

The fraud dept at US Bank simply said that I shouldn't be worried because it is not using my SS # and that they could see about stopping the email updates to my email address but that they had no intention of shutting down the account or looking into the account 's activities.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/year> I sent a certified mail letter ( certified # : XXXX XXXX XXXX XXXX XXXX ). In the letter I requested Experian to investigate an account that was improperly reported on my report and they failed to do this. The account is still appearing on my credit report and this negatively impacting me. The Credit bureau ( Experian ) stated that XXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is also inaccurate, and the date last report is also not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 which clearly states : A consumer reporting agency can not furnish an account without my written instructions. I have not given such written permission to furnish this account on my credit report as well.

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