vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
I am concerns with the handling of my fraud claim by SoFi Bank N.A., concerning fraudulent transactions that occurred on my credit card in the amount of {$1200.00}. Despite my efforts to resolve this issue directly with SoFi, I have encountered a lack of cooperation and due diligence on their part, resulting in a denial of my claim without providing substantial evidence or proper investigation. I noticed unauthorized transactions on my SoFi credit card on XX/XX/year> and promptly reported them to SoFi, as per the requirements to limit my liability for fraudulent charges.Following my report, SoFi conducted an investigation into the matter. However, I was not presented with any documentation or detailed explanation of their investigative process. SoFi concluded that no fraud had occurred and subsequently denied my fraud claim, thereby holding me accountable for the disputed charges.The response from SoFi Bank is unacceptable and does not align with the legal protections afforded to consumers under federal law. As a consumer, I am protected by the Fair Credit Billing Act ( FCBA ), which limits my liability for unauthorized credit card charges to {$50.00} when I report the fraud in a timely manner. Additionally, the Electronic Fund Transfer Act ( EFTA ) provides protection against fraudulent transactions for consumers who report unauthorized electronic fund transfers within specific timeframes. By denying my claim without due cause or evidence, SoFi Bank N.A. appears to be in violation of these federal laws that are designed to protect consumers like myself from fraud and unauthorized transactions.

I request that the CFPB take the following actions : 1. Conduct a thorough and independent investigation into the handling of my fraud claim by SoFi Bank N.A., including their investigation methods and the justification for their conclusion to deny the claim.

2. Ensure that SoFi Bank N.A. complies with all federal laws and regulations pertaining to fraudulent transactions, including the FCBA and EFTA.

3. Require SoFi Bank N.A. to provide a detailed report of their investigation into the fraudulent transactions reported, including any evidence that led to their determination.

4. Instruct SoFi Bank N.A. to re-evaluate my fraud claim with the consideration of all available evidence and in compliance with consumer protection laws.

5. If SoFi 's investigation is found lacking or non-compliant, mandate corrective action, including crediting back the fraudulent charges to my account and any associated fees.

I am adamant in my position that I should not be held liable for fraudulent transactions that I did not authorize and that were out of my control. The burden of proof should not rest on the consumer in such cases, especially when timely reporting and cooperation have been duly observed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below.

I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed 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 explanation
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
I need your assistance with this incorrect account listed on my credit report. This issue is harming my reputation, and I require your support.

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 2024-07-29 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: DISCOVER BANK
State: CA

Complaint narrative:
I am respectfully filing a Retaliation and Discrimination Federal Complaint against Discover Bank XXXX XXXX XXXX  who has filed a Law Suit against me at the XXXX XXXX XXXX XXXX XXXX. Case XXXX XXXX. I personally attended the court hearing today at XXXX XXXX  at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was present as she was subbing in for XXXX  XXXX XXXX. XXXX XXXX said the next step is XXXX. Attorney XXXX XXXX  of XXXX XXXX XXXX XXXX XXXX  was present via XXXX  and gave the name and number of the lawyer attending this case. The name is XXXX XXXX at XXXX. The firm requested me to remove the " Do Not Contact Number. '' I never implemented a " Do Not Call Number '' I have respectfully has stated to be contacted by email of my respectful preference. 
Discover Bank Credit Card debt total debit is {$8100.00}. I am respectfully requesting a Debt Validation and settlement between {$45.00} to {$50.00} a month as it's my affordability. 

Why is Discover Bank Credit Card forced a lawsuit against me and use their Law Firm to Retaliate and Discriminate against me, because of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX? 
Discover Bank Credit Card Administration file a lawsuit against me, because I file various Federal Complaints with Consumer Finance Protection Bureau with Cases Submitted on XXXX XXXX with Cases # XXXX and # XXXX on XXXX XXXX. 
I am respectfully requesting this Retaliation and Discrimination Complaints against Discover Bank Credit Card be filed with US Department of Justice immediately.

Extreme Very Urgent Matters!

Notice : Discover Credit Card Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has sent me a recent email stating that he is conducting a investigation on the Debt issues and lawsuit. 
Respectfully, XXXX XXXX  investigations will be in the best Special Interest of Discover Credit Card Bank and not in my favor.

His email : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: CA

Complaint narrative:
This is an ongoing issue that I have been trying to fix now for months but my requests to correct the errors being reported on my credit are consistently ignored which is absolutely frustrating. These times have been challenging and this is a big hindrance to me in achieving financial freedom, my applications are getting denied due to these errors impacting the overall aspects of my life negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is an ongoing issue that I have been trying to fix now for months but my requests to correct the errors being reported on my credit are consistently ignored which is absolutely frustrating. These times have been challenging and this is a big hindrance to me in achieving financial freedom, my applications are getting denied due to these errors impacting the overall aspects of my life negatively.

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 2024-07-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has caused me severe mental, financial and emotional trauma. I request proper reinvestigations and they respond with stall letters, and automated responses. This has severely hurt my livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
As a victim of debt bondage, a severe form of XXXX XXXX. I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX XXXX, an organization dedicated to helping survivors of XXXX XXXX. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted. 

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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS , PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX IN PERSONS OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 | DOCKET NO. XXXX | XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

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 2024-07-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On or about the XXXX of XXXX, I submitted an application for a Lowes credit card. They wanted to verify myself via a text message. Told them I do not have access to a cell phone, I only have a landline. I requested they sent the verification code to my email address. They stated they could not do that, so that stopped the process. I went to the local LOWES store couple days later to apply thru the store .Which I did. Today I received a denial letter from Synchrony Bank, stating reason for denial was " Prior application submitted too recently '' I presume they are reference the one I could not verify via a text message. My credit is stellar, and information on my credit cards show no missed payments, no late payments, nothing on my credit report that is negative in any manner. As my date of birth is XX/XX/year>, age XXXX XXXX XXXX, THIS IS, IN MY OPINION THE REASON THEY TURNED ME DOWN. I have always paid my bills, my records state as much. If they are using a credit report to approve or disapprove a credit card, my application should be approved.

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 2024-07-29 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-07-29 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC
State: CT

Complaint narrative:
To Whom It May Concern- After speaking with Connecticut XXXX XXXX XXXX XXXX regarding a potentially fraudulent reverse mortgage, he suggested that I file a complaint directly with the CFPB. 

My parents, XXXX and XXXX XXXX are now deceased. It appears that my parents took a reverse mortgage on their primary residence at XXXX XXXX XXXX, XXXX, Ct XXXX in XXXX unbeknownst to me. They were both already quite elderly and in ill health and my XXXX passed early XXXX. I dont believe they had the required counseling nor did they have the required 50 % equity in their home. Im having a hard time seeing how this loan would have been approved. It appears that their first mortgage of approx {$300000.00} was paid off and some notes I uncovered indicate a {$69000.00} check issued. The appraised value at that time was {$520000.00}. I have found no evidence of any other financial benefit of this transaction, nor can I find any signed documents. In addition, my sister ( who has the same name as my mother ) was living with her at the time and her actions have proved to be fairly nefarious over the years. 

My wish is to keep our family home as I have lived here since XXXX with my husband and son, but this entire process has been very stressful and confusing. HUD recently had the house appraised at {$670000.00} and the only statement I received prior to my mother 's passing ( XX/XX/XXXX ) indicated loan balance well over {$700000.00}. How can that possibly be? 

Ive made several attempts to retrieve original paperwork from the bank as I have none in my possession. My calls and emails go unanswered and they have not been very forthcoming with information. This loan seems to have been serviced by several providers over the past. Currently, it is being handled by XXXX XXXX at XXXX. I was told that HUD is paying the property taxes from the XXXX XXXX XXXX but I received a letter today requesting the homeowner 's insurance renewal due in XXXX. 

We are hoping with your help, to access all of the paperwork as well as any counseling received to determine exactly what transpired and state of both their physical and mental health and to determine the path forward to keep the home. Thanks very much for your attention. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation