vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX our account at Sofi was compromised. Two unauthorized XXXX  of {$600.00} and {$400.00}, an unauthorized debit of {$110.00}, and a XXXX XXXX XXXX  of {$8.00} were all charged to our account. We contacted support on XX/XX/XXXX and I provided a valid California state drivers license to verify my identity. 

The unauthorized Zelles were refunded on XX/XX/XXXX and the unauthorized debit was refunded on XX/XX/XXXX. The XXXX XXXX XXXX is still under investigation. 

On XX/XX/XXXX, the bank withdrew {$2900.00} from our checking and {$43000.00} from our savings reducing the balances in those accounts to {$0.00}. 

In Sofi 's terms of use for XXXX XXXX  XXXX ( https : //www.sofi.com/terms-four/ ), it clearly states that a XXXX XXXX XXXX loan can only used for purchase amounts above {$50.00}. " a total purchase amount ( the Total Purchase Amount ) of at least {$50.00} from eligible merchants '' There does not appear to be anything in Sofi 's terms of use ( https : //www.sofi.com/terms-of-use/ ) that allow them to remove money from the account.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i may presume that no proof of the alleged debt. Nor therefore any such debt, in fact exsits.

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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been the victim of severe identity Theft, which included my bank accounts at XXXX XXXX  and BMO. Somebody access to my accounts fraudulently and changed the security codes for me to be locked out, change the address and phone numbers and mailed themselves a debit card. They access a pin via email reportedly and was able to use my debit card at ATMs, casinos, and other various locations in other areas I clearly was not. XXXX XXXX  did a great job with refunding the funds, however, BMO will not refund approximately {$6500.00}, because a pin number was used. They argue that they cant prove that I didnt give my pin number to somebody. Its ridiculous and its a lot of money that I should not be held liable for per consumer protection laws. My account has continued to be compromised at this bank, and I am pulling my money out immediately and going to a different bank.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 explanation
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 — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A thorough inspection of my current credit report revealed numerous unauthorized and fraudulent 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: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been the victim of XXXX predatory private student loans originally through XXXX XXXX, which were then transferred to Navient. The original total or disbursement of funds for both private loans was {$38000.00} ( XXXX loan for {$17000.00} and another loan for {$21000.00} ). Over a period of 12 years from XXXX to XXXX, I paid an out of pocket total of {$65000.00}. I also paid {$1100.00} in required forbearance fees as well as {$130.00} in late fees. I called XXXX XXXX/Navient throughout this time period requesting to lower my monthly payments as I could not afford them given the position I am able to hold with my degree. Customer service reiterated that I exhausted my forebearances, and that the only option was to extend the life of my loan, further continuing this predatory loan. I was able to refinance these loans totaling {$41000.00} after paying XXXX XXXX/Navient {$65000.00} plus fees. Navient received more than {$100000.00} from myself and the company who refinanced my loans. A {$38000.00} total loan costed me more than {$65000.00} out of pocket plus an additional debt of {$41000.00}.

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 — Investigation took more than 30 days
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I reached out on XX/XX/year> and disputed balance / requested. Validation of debt. XXXX responded with false ledger that did not belong to me. I then submitted court documents, police reports, FTC report, and full ledger from orginal creditor advising I never owed a balance. 

The credit bureaus and procollect are not replying with requested information and it is now XX/XX/year>. It has been way over 30 days. This debt should be 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 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-09-17 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Darte of Birth XXXX this Cfb complaint has been filed pursuant to to FCRA - 605 B ( 15 U.S. C - 1681 c-2 ) that you Trans Union credit reporting agency , block any information appearing in my consumer credit report that is a result of identity theft and fraud with in 4 business days if you receiving this complaint This Fraudulent, inaccurate and false information consist of incurred by XXXX XXXX opened XXXX XXXX XXXX  XXXX XXXX opened XXXX XXXX, XXXX Site Ca opened XX/XX/XXXX, XXXX opened XX/XX/XXXX XXXX CPA opened XX/XX/XXXX XXXX opened XXXX., XXXX opened XX/XX/XXXX, XXXX opened XXXX XXXX XXXX a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX XXXX in the private account XXXX, XXXX on XXXX XXXX XXXX in the private account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX in the private account XXXX, XXXX XXXX  on XXXX XXXX, in the private account XXXX and a cell phone in the company XXXX on XXXX XXXX in the private account XXXX and an Auto Loan in XXXX XXXX XXXX on XXXX XXXX XXXX XXXX private account XXXXThese accounts have resulted in several hard inquiries and fraudulent collections appearing in my consumer FICo credit report. I do not recognize these accounts and they were not insisted by me. I have attached a copy of the FtC criminal report that List all these fraudulent accounts ftc XXXX I am requesting that pursuant to FCRA - 605 B ( 15 U.S. C - 1681 c-2 ) that XXXX Credit Reporting Agency block all of the accounts, collections and hard inquiries identified in this CFB complaint from my consumer credit file with in 4 days of receiving said complaint. I request that all written confirmation regarding this CFB complaint be sent to me via email to the email address 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 2024-09-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I have been a client of Lexington Law since 2021. They promised to resolve numerous credit issues stemming from my XXXX  and subsequent XXXX. However, I discovered that they were simply sending out vague form letters without sufficient detail to which my creditors responded with equally vague letters restating previous responses. When I complained about the lack of attention given to the issues at hand, some of my accounts were escalated. In practice this meant demanding lots of documents from me and then sending more vague, meaningless ( and frequently erroneous ) form letters to the credit bureaus. Lexington Law took credit for removing any items that aged off of my credit report while steadfastly refusing to provide any meaningful account of exactly what services they were providing. I frequently spoke to paralegals who couldnt properly conjugate English verbs. This led me to doubt their actual qualifications to resolve my issues. I paid well over XXXX XXXX dollars without having a single issue resolved by the firm.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I applied for an ASPIRE credit card in XXXX. I never received the the card and they sent me an email of a bill due. I called 4 times and worked through text to request to cancel the card I NEVER received or activated. They acknowledged that they still had the card in their possession. Ive asked them to please cancel this card multiple times. It has NEVER been received or activated. I am now receiving an additional bill that amounts to {$250.00}. 
I am afraid this will affect my credit. When you call the company you speak to someone in another country. I just want this card cancelled and not to affect my credit. Again I never received it and it has never been activated.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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 2024-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
XXXX  married me on XX/XX/year> for the soul purpose of stealing all of my money. The Fraudulent marriage was XXXX marriage, and it should be a crime. XXXX  was tricking me into marrying him, ( knowing that he was married and already had a wife and XXXX children. That I knew nothing about until the wife called me and told me ) with the goal of becoming a lawful XXXX XXXX  or XXXX. XXXX XXXX XXXX and bringing over his wife and children to the United States to live happily ever after. 
This is the reason why XXXX  never wanted us to live together as spouses and built a life together. In fact every time I came to XXXX we never stayed at the house were he lived, because the area was a bad area, so for that reason we stayed at other families houses when I came in XXXX, and again at that same house in XXXX. 
made plans to come to XXXX he kept telling me no, I should wait. 
The purpose of the marriage is for the XXXX spouse  to get on the fast track to becoming a XXXX citizen, since XXXX  XXXX  is a privilege given to those married to U.S. citizens or lawful permanent residents.He scammed me out of {$200000.00}.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reached out on XX/XX/year> and disputed balance / requested. Validation of debt. XXXX responded with false ledger that did not belong to me. I then submitted court documents, police reports, FTC report, and full ledger from orginal creditor advising I never owed a balance. 

The credit bureaus and procollect are not replying with requested information and it is now XX/XX/year>. It has been way over 30 days. This debt should be 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 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reached out on XX/XX/year> and disputed balance / requested. Validation of debt. XXXX responded with false ledger that did not belong to me. I then submitted court documents, police reports, FTC report, and full ledger from orginal creditor advising I never owed a balance. 

The credit bureaus and procollect are not replying with requested information and it is now XX/XX/year>. It has been way over 30 days. This debt should be 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