vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to log into XXXX XXXX XXXX XXXX and they have my Equifax blocked and I dont know why and my Score isnt updated. I have called all three bureaus, they said it will be updated and nothing has changed, its been weeks now. On XXXX the score isnt updated, and I still have items that isnt reporting, correctly. My XXXX  isnt reporting correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Someone hacked into our checking account and forwarded money using our XXXX account to forward money to someone we dont know. They forwarded XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX to XXXX XXXX. 
We contacted Wells Fargo on XX/XX/XXXX and filled a claim. They denied our claim and stated that it was authorized by us. Which is not true

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 2024-08-12 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:
XXXX XXXX account opened XX/XX/XXXX for credit limit {$4800.00} charge off XX/XX/XXXX {$5600.00} Would like this account removed from my credit report as soon as possible. If not please send me proof of this account.

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 2024-08-12 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:
XXXX XXXX account opened XX/XX/XXXX for credit limit {$4800.00} charge off XX/XX/XXXX {$5600.00} Would like this account removed from my credit report as soon as possible. If not please send me proof of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: AL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


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 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 2024-08-12 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: AL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


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 non-monetary relief
Consumer complaint received 2024-08-12 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: AL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: WI

Complaint narrative:
In reference to XXXX XXXX XXXX, Account XXXX I have sent in numerous disputes to Equifax about an old account reporting incorrect information on my credit report. Each time Equifax comes back telling me that the information has been verified. Last week, I filed another dispute about the XXXX XXXX XXXX  account. They are reporting 8 late payments that are completely wrong. Within less than 48 hours, Equifax came back saying the investigation has been completed and is closed. They state that the creditor verifies that all information is being reported correctly, even thought the report shows it is not. The creditor is verifying that this account is NOT closed. 
The credit report itself is showing that this account was PAID and CLOSED on XX/XX/XXXX. However, there are late payments that have shown up out of no where for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The report is also showing that the date of last payment was XX/XX/XXXX and the date of 1st delinquency as XX/XX/XXXX. The report is also showing another area as date the account was closed as XX/XX/XXXX. And the " additional information '' on the report is showing " closed or paid account/zero balance '' and " account closed by credit grantor ''. 
So ... .how is this being verified by the creditor as being reported correctly and that they are reporting this account has not been closed???? 

Equifax agent saw the disrceptencies and put in for further investigation- and it STILL came back as verified. 

There is NO WAY this is correct! And it is hurting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I am writing to file a complaint regarding a promotional offer that SoFi Bank failed to honor. The promotion, which was advertised through XXXX XXXX, stated that an individual would qualify for a {$400.00} promotional credit to be added to their savings account if they opened a savings account with SoFi Bank and made a direct deposit via ACH of {$5000.00} or more within a 25 days of opening the account.

Following these instructions, I opened a savings account with SoFi Bank and made the required transaction from my bank account via ACH payment. I strictly adhered to the terms outlined in the promotion and the banks terms of service.

However, upon contacting SoFi Bank, I was informed that my ACH payment was not recognized as a direct deposit by their internal systems, and therefore, I did not qualify for the promotion. SoFi Bank representatives stated that in order for me to qualify for the promotional credit, my direct deposit needed to be recognized as such by their system as a direct deposit and these was not a direct deposit ( confusing I know ). This was despite the fact that the transaction was indeed an ACH payment, which is generally considered a direct deposit under standard banking practices as well as being accepted under their terms of services. Over the course of three live chat session
s, I explained to SoFi representatives that I am the owner of the business, and the transaction was made via ACH as a direct deposit, fulfilling the criteria set forth in their terms of service. Despite my efforts to clarify this, SoFi Bank refused to honor the promotional terms, asserting that my ACH payment was merely a deposit and not a direct deposit. They maintained that an ACH payment does not qualify as a direct deposit, contradicting the standard definition and the definition in their own terms of services.

Furthermore, I inquired with the agents if there were any other terms of service that I might have violated, but they were unable to provide any additional reasons for denying the promotion. After being refused the promotional credit multiple times, I decided to empty the account and have not yet closed it pending the investigation Consumer Financial Protection Bureau of the I believe SoFi Bank has failed to honor its own promotional terms and misrepresented the conditions required for the promotion. I respectfully request that the Consumer Financial Protection Bureau review this matter and assist in resolving the issue, ensuring that SoFi Bank adheres to fair practices in its promotions. 

Additional Ive documented all live chats, the terms of services, the transaction records and additional documented evidence which I would be happy to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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:
My personal information has been compromised. I am a victim of identity theft. I have been requesting information from various companies and debt collectors and have been unsuccessful. I have provided multiple FTC reports and police reports to creditors and credit reporting agencies. The companies reporting inaccurate accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The only address I have been associated with is XXXX XXXX XXXX XXXX Oh XXXX Please remove anything different!!

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 2024-08-12 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/dept of ed has violated my rights.

USC 1681 SECTION602 A states I have the right to privacy.

usc 1682 section 604a section 2 states a consumer reporting agency canot furnish an account without written instructions.

usc1681c a5 section states No consumer reporting agency may make any report containing any of the following info and other adverse item of information, other than records of convictions and crime which antedates the report by 7 years u.s.c 1681s-2a1 states A PERSON SHALL NOT FUNISH ANY INFORMATION RELAETING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/dept of ed has violated my rights. 

USC 1681 SECTION602 A states I have the right to privacy.

usc 1682 section 604a section 2 states a consumer reporting agency canot furnish an account without written instructions.

usc1681c a5 section states No consumer reporting agency may make any report containing any of the following info and other adverse item of information, other than records of convictions and crime which antedates the report by 7 years u.s.c 1681s-2a1 states A PERSON SHALL NOT FUNISH ANY INFORMATION RELAETING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE

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 2024-08-12 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: FL

Complaint narrative:
" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/2024 and XX/XX/2024, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
On XX/XX/year>2024, I ordered to wire {$8200.00} from my HSBC US account to my XXXX XXXX account to pay my insurance premium. The accounts on both sides were USD accounts, and I know HSBC has not been charging fees on these kinds of transfers, so I was expecting XXXX XXXX to receive the full amount. 

However, to my surprise, a few days later, my XXXX XXXX agent told me they were not receiving enough, and there were about {$110.00} short. Later I discovered that those {$110.00} were charged by HSBC US and HSBC XXXX ( before it transferred to XXXX XXXX ) on " currency conversion '', because the USD amount from HSBC US were converted into XXXX  before it was converted to USD again to transfer to XXXX, which was absurd, as there was no need to do so. However, when I was complaining to HSBC US about this, several customer representatives refused to admit any
wrongdoing on the bank side, claiming that there was some default setup at my account set up to order this transfer to go through HKD, even though it was clear that both accounts were USD, and later when I escalated to the " Customer Relationship '' reps, they still denied any wrong doing on the bank side.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. 

Accounts : XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I took a student loan out for my child to attend XXXX XXXX  in XXXX XXXX which she started on XX/XX/XXXX. The school received a student government loan for {$10000.00} on XX/XX/XXXX and {$2700.00} on XX/XX/XXXX. My child withdrew due to medical issues on XX/XX/XXXX however on XX/XX/XXXX another draw of student loan was sent for the second half of the school in the amount of {$10000.00} on XX/XX/XXXX and {$2700.00} on XX/XX/XXXX. The school refunded the total amount of {$12000.00} In XX/XX/XXXX, I received and email stating that it is time to start paying back my loan, no problem, except the balance is showing to be {$21000.00}. 
I called the school, XXXX XXXX, and I was told by them that I had to speak to the loan processor which is Mohela, they would need to correct that. I call Mohela and was told that they don't correct that on their end, that I needed to go to the school. So now, I personally go into the school and they tell me that whomever is telling me this at Mohela is incorrect and they gave me a ledger to show proof that the money was refunded. I copied the ledger and sent a letter to Mohela letting them know that I went into the school and they are showing the money as being returned and that Mohela needs to correct it and that I will not be making any payments until the balance is correct not only on my bill but also on my credit ( this balance of XXXX XXXX also effects my creditability ). Getting nowhere, I call the Federal Student Aid gov and I am told that it is in fact, Mohela that needs to correct the matter and they have been getting a ton of complaints about Mohela and suggest that I file a complain with them ( case # XXXX ) and with Consumer Financial Protection Bureau as this has been epidemic in nature when dealing with Mohela. I have also filed a complain with the Federal Trade Commission as they are reporting fraudulent information on my credit, dismissing my requests as " not their problem '' ( case # XXXX ). This is disgusting to play these games with consumers and fraudulently try to get them to pay on a debt that is incorrect especially when you show them proof and everyone else is saying it is their responsibility to correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: FL

Complaint narrative:
" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/2024 and XX/XX/2024, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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