vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: KY

Complaint narrative:
I opened an account in XX/XX/XXXX at SoFi Bank so my daughter could transfer her earnings from a waitressing job into an account that she could easily access during her fall XXXX semester abroad. We successfully transferred over her saving from another savings account, and she was able to cash a couple of her work checks to the SoFi account. One of the check, however, was expired. The expired check was for {$290.00}. This check was returned. The account was frozen on XX/XX/XXXX. Over the past year I have called and asked for information, and was only told the account was pending closure and that the money remaining in the account would be returned via the associated account we used to set up the account. I submitted a complaint to the XXXX and was told by SoFi we violated the agreement, but I never receive a call or was given the opportunity to discuss the problem. We were never told the money would NOT be returned. I called in early XXXX XXXX, nearly a year later, and was told the same thing. I called again on XX/XX/XXXX, and was informed a decision had been made on XX/XX/XXXX. I was told we were NOT ENTITLED to the funds in the account. They had confiscated {$1300.00} of my daughter 's earnings which she had saved for her study abroad semester - because of an attempt to cash an expired check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am joint account owner with my mother, XXXX XXXX, an XXXX XXXX XXXX senior citizen that was victim of a phone scam. My mother visited the Webster Bank XXXX XXXX XXXX  and made two separate cash withdrawals on the same day, a few hours apart, in the amounts of {$9000.00} and {$5000.00} respectively. The bank teller failed to exercise any prudent care or fiduciary responsibility by not attempting to question the withdrawals. These unusual, high dollar, transactions were completely out of the normal behavior of the account activity, and represented over 40 % of the account value. There was no attempt to offer alternate means of withdrawal, e.g., a bank check, electronic transfer, etc., nor was a phone call made to me, the joint owner, or trusted contact on the account. A bank manager was not engaged to validate the transaction, have a conversation with my elderly mother, and instead they simply distributed the cash. When we initially complained to Webster bank via phone, we were put through various departments/phone numbers, only to be told we would get a call back by an alleged regional manager, and that never happened. Upon filing the writing complaint in XXXX, XXXX XXXX from Webster bank claimed they were not responsible because they asked my mother for ID and purpose of funds, which my mother denies the latter. The banks claim that source of funds was disclosed to be house renovations is conflicting to my mothers account record and XXXX  info given she does not own a home and rents an apartment in a XXXX XXXX XXXX XXXX development. The initial behavior and subsequent response clearly articulates that Webster Bank tellers are not familiar with their responsibilities to help protect the elderly, some of the most susceptible individuals to fraud and scams. There are multiple rules and regulatory guidance requiring banks have training, be aware of possible senior exploitation, etc., and Webster bank did none of that. At a minimum, the bank should have attempted to stop the second withdrawal for {$5000.00}, when a XXXX  filing should have been required to be completed, and offered to help my mom. This behavior can't be excused and Webster Bank should be liable for the withdrawals they failed to exercise any care over.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: CA

Complaint narrative:
I had XXXX cars purchased under my name fraudulently without my knowledge or permission and the XXXX bureaus keep saying verified refusing to remove even after Ive spent hours on phone explaining these are fraud XXXX loans with XXXX {$96000.00} and {$180000.00} and the XXXX with XXXX  XXXX XXXX for {$87000.00} this is illegal for them to report and not remove my reputation my name my good standing in the community and my rights to a good job are being prevented all bc of their inadequate actions to remove these XXXX accounts

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 2024-09-17 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: CA

Complaint narrative:
I had XXXX cars purchased under my name fraudulently without my knowledge or permission and the XXXX bureaus keep saying verified refusing to remove even after Ive spent hours on phone explaining these are fraud XXXX loans with XXXX {$96000.00} and {$180000.00} and the XXXX with XXXX  XXXX XXXX for {$87000.00} this is illegal for them to report and not remove my reputation my name my good standing in the community and my rights to a good job are being prevented all bc of their inadequate actions to remove these XXXX accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information that continues to appear on my credit report. Despite multiple attempts to resolve this matter, including sending previous dispute letters to the credit bureaus, I have yet to receive satisfactory feedback or resolution. 

The personal information in question are not mine, and I request that you remove these erroneous items from my credit report immediately. I have already sent the necessary documentation, including a copy of my ID/DL and proof of address, through XXXX to verify my identity. The information on those documents matches only my personal details, and the disputed accounts are not associated with me. 

Please take immediate action to correct this issue. I expect this matter to be resolved promptly and will appreciate confirmation once the inaccurate information has been removed. 

Thank you for your attention to this urgent 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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: OH

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Indie Technology DBA Found
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I opened a Found business checking account to manage my funds from my business. At the time of opening the account, I was not required to have a EIN for my business. The Found app stated that I could receive payments by invoices, XXXX, XXXX, XXXX XXXX or by cash. The age range for the majority of my customers is between XXXX XXXX XXXX  years old so they typically pay me with either cash or XXXX XXXX I have accepted payments this way for nearly two years that I've had the account. Then on XX/XX/XXXX  my account was frozen with a message that stated it was frozen due to unusual activity. I don't understand why my account was frozen when ive been doing the same type of transactions that i have been doing in the 2 years that the account has been open. I reached out to the Found app customer service to address the issue. I have received numerous emails from different employees that asked me to explain the nature of my business, which I did. I was then asked to provide documentation for a transaction, which I did. I was then asked to provide my EIN number. I stated to them that I don't have XXXX and that as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I'm not required to have one. I also stated that it wasn't a requirement when opening the account. After all that my account is still frozen and they refuse to give me a phone call to work on a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: CA

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 account listed without my expressed written consent.

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 2024-09-16 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: CA

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 account listed without my expressed written consent.

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 2024-09-16 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-09-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
Someone had used my identity to open an account with XXXX and never paid. The account eventually went to collections and this is how I came to find out about the identity theft. I explained this to the debt collecting agency but they were still requesting payment from me. I reached out to the credit bureaus, disputed the mess and it was cleared from my account. Now, on XX/XX/year>, the same XXXX account with a debt of {$3100.00} was back on my credit. After speaking with an agent from XXXX, I am following the steps to rectify the matter. I have disputed the debt on my credit. I will be reaching out to SOURCE RECEIVABLES MNG. to explain to them that I am not connected to this debt as well. I was advised to file a police report to handle the matter. Once again, this is not my debt. I have never had an account with XXXX. I am a victim from identity theft and would like to have this removed from my credit and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: CA

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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is my fifth or sixth attempt with this company. For the past 6 to 9 months, I have been reaching out to this company in hopes that they would immediately erase any information of mine from their database. I am writing to dispute fraudulent account and fraudulent charges. I am a victim of identity theft, and I did not make any charges or even apply for this account. I request that you remove any fraudulent accounts or charges or any related finance charges in any other charges from my account or this database with your company, please I deserve to have an updated and accurate statement that the account is closed. I also request that you cease reporting any inaccurate information to all nationwide credit reporting agencies which I have provided. 

I have filed a Federal Trade Commission identity theft report on this company I was incarcerated. I never applied to this company and they have not provided me with any information no signatures no proof of address or account statements only a letter stating that I am responsible for the debt, which is unacceptable because that means their investigation is a fail and it never was done. I have been on this for the past six months and I will no longer keep letting this go Capital One. You are keeping an account in my name that is fraudulent and derogatory and was open fraudulently by somebody else that stole my identity and you know it. I have provided your company with reports federal trade, identity, theft, police reports, etc. and your company still will not Completely erase my information from your database so that I may one day apply for credit with your company and actually have a good report and relationship relationship. 

And a copy of my identity, theft, reporting my position and a copy of other things showing that this is a fraudulent account related to your company, and as a result of identity theft also encloses a copy of the notice to furnisher issued by the federal trade commission which details your responsibilities under the fair credit reporting act as the information furniture to CRA and to the consumer. The notice specifies your responsibility when you receive a notice from the consumer under section 605B of the fair credit reporting act, the information you provide to any consumer or CRA may, be the result of identity theft, which makes you illegal and irresponsible. These responsibilities include ceasing to provide any inaccurate information to any consumers or CRA and insure. You do not attempt sell or trans fraudulent debts to another party for collection. This debt is fraud. This account was open fraudulently. Ive had the same address sinceXX/XX/XXXX. I am also enclosing with the company a copy of my ID and proof of address. This must immediately be resolved or I will further take action against Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have tried contacting the company several times through mail and CFPB AND NOTHING GETS RECTIFIED THEY SAY THEYVE DONE A FULL INVESTIGATION AND JUST UPDATE THE NUMBERS ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: CA

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 account listed without my expressed written consent.

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 2024-09-16 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:
Under the fair credit reporting act it is a violation of my rights to report late payments on my account 15 USC 1666b 15 USC 1681 S 602 and 15 USC 1681 S 604a please have these late payments removed in accordance with US law Account XXXX  financial this account has been disputed and removed with the cfpb and other credit bureaus

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 2024-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I would like for this to be removed under the consumer fair credit program

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: MD

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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