vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Credit Karma, XXXX, XXXX XXXX are preventing me from submitting documentation of my student loans which total approximately {$97000.00} and were at one point double reported showing my debt to be around {$190000.00}. The duplicate account was removed. My student loan debt was forgiven in XXXX of 2024. I have a XXXX balance and my loans are closed under PSLF. I have documentation from XXXX proving this and none of the above mentioned organizations have allowed me to submit it. While my report shows these loans in good standing, my report needs to reflect that I currently have a XXXX balance. In XX/XX/year>2024 I retired due to health issues and my income is a 1/3 of what I made before. This amount of inaccurate debt is inflating my debt to income ratio. I am in need of making some life changes due to my retirement and this is interfering with my ability to get a very necessary personal loan. Since my loans were forgiven in XX/XX/year>2024 it's creating me additional hardship because almost one year later my reports do not reflect this and my attempts to remedy it are being ignored. XXXX hasn't responded to my complaint that was filed on XX/XX/year>2024 but I have been unable to provide my documentation. I spent several days in the past week in chats with Credit Karma trying to get them to attach documentation to my complaint. They just referred me to XXXX and XXXX. At this point I am going to mail the documents to them and send them certified mail. Yes a cost to me. I should not have to be dealing with this still almost one year later. Thank you for allowing me submit my documentation.

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 2025-01-10 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: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-10 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: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
On XX/XX/XXXX we wrote XXXX checks to pay bills for Electricity, XXXX Credit Cards and XXXX Car Payments. We walked those checks into the post office to mail them. They disappeared. We asked for an investigation into the missing mail, but were told that they didn't have tracking numbers, so there was nothing they could do. We then notified our Credit Union that the checks had been stolen. They advised that we didn't need to do anything else. 
The checks subsequently were altered and cashed by an individual at another Credit Union despite the fact that they were made out to well established companies.. 
Check XXXX was made out to a utility company on XX/XX/XXXX. The date was changed to XX/XX/XXXX. The amount was changed from {$96.00} to {$500.00}. It was cashed on XX/XX/XXXX. 
Check XXXX was made out to a Credit Card Company for {$810.00}. There was no alteration to the date or amount. It was cashed at the same Credit Union XX/XX/XXXX. 
Check XXXX was made out to a Credit Card Company for {$68.00}. The date was altered from XX/XX/XXXX to XX/XX/XXXX. The amount was altered from {$68.00} to {$300.00}. 
Check XXXX was made out to a Car Finance Company. The original date and amount was not altered when it was cashed on XX/XX/XXXX, but the date was then altered to XX/XX/XXXX and the check was cased a second time at the same Credit Union on XX/XX/XXXX. 
Check XXXX was made out to a Car Finance Company. The Date was altered to XX/XX/XXXX and the check was cased at the same Credit Union. 
Summary : XXXX checks were stolen from the Post Office. They were subsequently altered and cashed at a nearby Credit Union by the same individual on different dates. One check was cased twice. We are out {$3300.00}. 
This has been reported to our Credit Union ( different Credit UnioXXXX than the one where the checks were cashed ). They have changed out account information and have begun their investigation.

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 2025-01-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date.

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 2025-01-10 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:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ). 
I kindly request that you block and remove all information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello! I placed a security freeze on my credit report about a year ago due to credit card fraud. I was able to successfully remove the freeze from XXXX and XXXX. However, I am unable to lift the security freeze from Experian as it appears someone hacked into my account and changed the email address/phone number associated with it. I'm unable to authenticate myself on the account as a result. I called into Experian 's phone # multiple times, but nothing could be done as I couldn't authenticate. Then, in a letter dated XXXX I sent Experian a letter asking for the security freeze to be lifted, and included my SSN, phone #, email address, last XXXX home addresses, marriage license ( name change ), homeowner 's insurance bill ( proof of address ), and copy of my passport. Experian sent me a letter back stating " A security freeze is already in place on your account. '' This is obviously not what I asked for. I had asked for it to be removed. There was no phone number to call and I'm unable to reach an actual person to speak with. I am just trying to get the Experian security freeze on my account removed.

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 2025-01-10 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: AR

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX XXXX XXXX XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ; XXXX XXXX XXXX XXXX, under the account number ( XXXX ) on XX/XX/XXXX XXXX XXXX under account number ( XXXX ) on XX/XX/XXXXXXXX XXXX, under account number ( XXXX ) on XX/XX/XXXX XXXX XXXX, under the account number ( XXXX ) on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or Initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-10 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ; XXXX XXXX XXXX XXXX, under the account number ( XXXX ) on XX/XX/XXXX XXXX XXXX under account number ( XXXX ) on XX/XX/XXXX XXXX, under account number ( XXXX ) on XX/XX/XXXX XXXX XXXX, under the account number ( XXXX ) on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or Initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
Sofi Bank closed my account XX/XX/XXXX and sent all the money in the account back to the originator of the money. Basically, I deposited checks in the account and Sofi sent the money back to the person who wrote me the checks. I also had funds in there that I had transferred from my personal bank account that are gone now. It all started when I received a check with my middle name on it ( since thats what I go by ) and the check wasnt going through. I called and added my full name to the account and the representative informed me to resubmit the check. My account was then locked on XX/XX/XXXX because I tried to deposit the check again. I called them many times but no one could ever tell me anything. THEY NEVER CALLED ME. I reported them to the XXXX XXXX XXXX on XX/XX/XXXX. There was no contact from Sofi. I kept calling but no one could help answer any questions. Today ( XX/XX/XXXX ), I received an email saying the account was closed. I called them up but they refused to share any information, tell my why the decision was made, or let me speak to a supervisor. Because everything is done through the app and they dont send statements as attachments, all of the information about my Sofi account is basically gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

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 2025-01-10 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: GA

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

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 2025-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
XX/XX/year> - Tried withdrawing {$3100.00} from Apple savings account. Transaction failed error populated after numerous attempts. Called Apple Card and spoke with savings department. A code was sent via text which was supposedly used to verify account. After repeating code to agent, I was told the account had been verified and that the transactions would be accepted after two hours. It's been 12 hours and a new calendar date, and I am still dealing with the transaction failed error. I planned to purchase a new laptop to get started on a project which is time sensitive, and this entire fiasco is holding me up. 

XX/XX/year> - Spoke with Apple savings through text chat and over the phone to see if there was a different outcome. The outcome was the same. I was transferred to 5 different agents which gave me the run around. I was told the case had been escalated and I will receive an email or contact when it was resolved. No specific time period or any contact to follow up with. Completely unprofessional and unsensitive to the inconvenience their product. Called Savings department and requested to speak specifically with their specialized team in security of the savings account. Sent me a text code to verify the account and was told to retry the withdraw request. Transaction failed again. No one seems to know hat they're doing in the department. They operate with a blase attitude when they can't resolve the issue. I want access to my money immediately. After being placed on hold after numerous unsuccessful attempts by the agent, I was told there was a " error with apple cash '' all of a sudden, and I should try withdrawing to an external bank which will take at minimum 1 - 3 business days. It's a Friday. I need immediate use of my money which is a marketed service of Apple savings by use of Apple Cash. This has been one of the worst experiences I've ever had dealing with a financial institution. Withdraw to external bank is currently labeled " in progress ''. We'll see how this goes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MS

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
In XX/XX/XXXX, I took out a loan with Toyota Financial Services for my XXXX Toyota XXXX. I had been making my monthly payments until, due to an error on their part, my automated payments were canceled and I did not receive any statements after the full payment had posted ( until the day of this letter, statements have not been processed nor have I received any notifications regarding this matter ). I called Toyota Financial Services when my automated payments were canceled, and I was simply told that the account had been closed since the account had been paid in full and the title was already on the way. On the following days, I received the evidence mentioned above. In addition, my GAP Insurance has been canceled due to this administrative error, exacerbating the situation. Despite possessing these legally binding documents, I would not like to receive collection notices and additional charges on my account. 

This action is based on the following documents, which I present as evidence : 1. Notarized Letter : Issued by XXXX XXXX with Notary Number XXXX ( Notary Public XXXX XXXX XXXX XXXX XXXX Expires XX/XX/XXXX ) Certifies that the debt in question has been paid in full and that the financial institution " no longer claims a security interest in the vehicle. '' As of XX/XX/XXXX XXXX. Installment Sale Contract Paid in Full : Issued by your institution. 
3. Letter from Your Institution : Confirming that the debt was paid in full on XX/XX/XXXX XXXX. Certificate of Title : Dated on XX/XX/XXXX. Lien Released by your institution signed by XXXX XXXX ( also mentioned in notarized letter ). Attached to Toyota, I can't include it here. 

The notarized certification holds legal validity and must be respected unless formally refuted in court. Under U.S. regulations, notaries are obligated to act with accuracy and integrity in certifying documents, in accordance with applicable state and federal laws. 
Any error in this document falls under the responsibility of the notary and, by extension, your institution for failing to address the issue promptly. 
Your actions violate my consumer rights by failing to provide due process to remedy the error, directly charging the balance to my account without informing me via mail, email or call and without giving me the opportunity to resolve this matter. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from improper collections and abusive practices.

Company response to consumer: Closed with explanation