vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
The first of the month this year, I had tried to deposit my two checks into my sofi mobile bank account. They got in contact with the sender and verified with him and told him everything is good. Check verification cleared and account funds were processed thru senders bank.

Sofi then rejects the first check with nothing more to tell me it's for my protection and then starts the process of restricting my account and prepping it for closure.

While it's being up for closure and not telling me anything about the situation they go ahead and process the second check which I'm supposed to get on the ninth. But here is a problem that I'm not sure how to deal with. I have limited access to account and can not do anything with the money in account at all. I finally was told it's the checks that have made me " breach the contract '' but it's the checks we're cleared after the first was rejected and just before the second check was processed. 

Everything is mixed up but I'm cleared and verified with the senders bank but sofi is not showing any interest for my security or protection, just watching over themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
Dear Scott and Associates Thank you for your response regarding my inquiry about the CFPB 's recent ruling on credit card late fees. While I appreciate your firm 's willingness to address my concerns, I must clarify my position regarding the applicability of the Credit Card Penalty Fees Final Rule. 

You mentioned that the rule, issued on XX/XX/year>, has been stayed due to ongoing litigation. However, I believe it is essential to consider the implications of this ruling and the public interest it represents. The CFPB 's efforts to regulate late fees reflect a growing recognition of the financial burden these charges place on consumers. While I understand that your company suggests that the rule is currently not in effect, it signals a potential shift towards fairer practices in the credit industry. 

I would like to emphasize that consumers have a right to advocate for fair treatment, especially in light of regulatory changes aimed at protecting them from excessive fees. My request for a reconsideration of the late charges applied to my alleged account is not solely based on the current status of the rule but also on the principles of fairness and accountability that underpin the CFPB 's mandate. 

I remain committed to resolving this matter amicably and hope we can find a practical solution that acknowledges the evolving regulatory landscape and my concerns as a consumer. I look forward to discussing this further and appreciate your attention to this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hello My account is paid off but It is not removed from my credit report. I would like it removed, to enhance my XXXX XXXX. 

Thank You 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hello My account is paid off but It is not removed from my credit report. I would like it removed, to enhance my credit score. 

Thank You XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hello My account is paid off but It is not removed from my credit report. I would like it removed, to enhance my XXXX XXXX. 

Thank You 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 2025-01-06 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:
To whom it may concern : I received an email notification today regarding the following companies running mu credit, I have not applied for credit with anyone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : 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 IDENTITY THEFT is defined as the illegal use of someones personal information ( such as a social security number ) especially to obtain money or credit. 
Please take note that this is a second request for items that do not belong on my consumer report. Note, according to 15 U.S.C. 1681 ( a ) ( 6 ) ( B ) ( III ) by federal law via request of the consumer, a description of the procedure used to determine the completeness of the information, including the business name and address of a furnisher contacted in connection with such information and the telephone number of the furnisher. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

You have not provided me with a copy of ANY hard copy documentation showing that you have verified these accounts. Under Section 61 ( 5 ) ( A ) ( I ) of the FCRA -- - you are required to Delete all information that can not be verified. 
The law is very clear as to civil liability and the remedy available to me for neglect per section ( 617 ) if you fail to comply. I am a litigation consumer and fully intend to pursue litigation matters to enforce my rights under the FCRA. 

Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: OR

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
Paid complete balance twice on XX/XX/XXXX in the amount of {$520.00}. Realized the error & immediately called company on XX/XX/XXXX & was advised that a check will have to be issued & I will recd w/in a couple of weeks. This did not occur I spent over the following 2 months calling on a weekly basis speaking to a supervisor requesting for an update & receiving multiple answers & that someone will call me back. As of today noone has yet to call me to resolve this fraudulent amount. Last conversation regarding the refund check was on XX/XX/XXXX with same results so I open a case at my bank on XX/XX/XXXX which they found in my favor & reverse the extra payment of {$520.00}. I believed finally the nightmare was over but to my surprise at the end of XX/XX/XXXX a refund check for the amount of {$520.00} was in the mail. I immediately went to the bank & was advised to shred the check as the case was closed. I shredded the check. THIS REFUND CHECK OF {$520.00} WAS NEVER CASHED - IT DOES NOT EXIST. To my surprise I get a credit card statement from this company for XXXX in the amount of {$520.00}. They added the refund as my new balance since the bank reversed the payment. Called to ask why I have a balance since check was never cashed & why by just issueing a check I automatically have a balance. I never got an answer just got the same results as before that someone will call me. I made multiple payments after so it doesn't affect my credit but after realizing that they are not addressing the fraudulent amount I have stopped making payments. Ive asked for proof that the refund check was cashed which can validate the balance but all I received in the mail was a copy of the XXXX bill with the reversal of refund added to balance. I've called every week until XX/XX/XXXX with the same answer someone will call me they never do. Throughout this process I've also updated my contact info ( phone # ) but everytime I ask for what info they have its still not updated. I never contacted via mail noticed after among my frustration that I could off contacted about the fraudulent amount via mail but w/in XXXX. XXXX mentioned this not even the multiple of supervisors I spoke XXXX has affected my XXXX XXXX, acquiring interest and late fee on a balance that does not exist. I'm hoping that using your resources you can request for this company to look up the check & realize it was not cashed. And resolve my acct to its true balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NM

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NV

Complaint narrative:
As you can see from the printout, I was on time with the majority of my payments and NavientXXXX would call after I made payments and demand that I make more payments. Now that the company has switched over they call constantly and will not answer the phone harassing me at home and work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I asked Midland Credit Management to validate debt and send me a copy of the Bill of sale and the Purchase Agreement ; however, it never was provided. Also Midland stated in their response that they are not reporting this account on my credit report in which they are and this is a violation of The Fair Debt Collection Practices Act 15 United States Code 1692g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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 2025-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Dispute of Kohls/Capital One Credit Card Account Reporting Dear Credit Reporting Agency I am writing to formally dispute the reporting of my Kohls/Capital One Credit Card account XXXX which was opened on XXXX XXXX XXXX, with a current balance of {$1200.00}. This account has been reported in violation of the Uniform Commercial Code ( UCC ) and several provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, 15 USC 1604 ( a ), and 15 USC 1666 ( b ). According to 15 USC 1681, I have a right to privacy regarding my financial information. I did not provide permission to Kohls/Capital One to furnish my account information to credit reporting agencies, which is mandated under 15 USC 1604 ( a ). Additionally, under 15 USC 1666 ( b ), a creditor can not treat a late payment on an open-ended account as late for any purposes, and I believe this has been incorrectly applied in my case. As such, I am requesting that you conduct an investigation into this matter and remove the Kohls/Capital One Credit Card account from my credit report. I have not authorized the reporting of this account, and it is essential that my rights under the XXXX and FCRA are respected. Please provide a thorough investigation and written confirmation of the results. If the account is found to be inaccurately reported or unverified, I expect it to be removed from all credit reporting agencies promptly. Thank you for your immediate attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NV

Complaint narrative:
Dispute of XXXX XXXX Credit Card Account Reporting Dear Credit Reporting Agency I am writing to formally dispute the reporting of my XXXX XXXX XXXX XXXX  account , which was opened on XXXX XXXX XXXX  with a current balance of {$1200.00}. This account has been reported in violation of the Uniform Commercial Code ( UCC ) and several provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, 15 USC 1604 ( a ), and 15 USC 1666 ( b ). According to 15 USC 1681, I have a right to privacy regarding my financial information. I did not provide permission to XXXX XXXX to furnish my account information to credit reporting agencies, which is mandated under 15 USC 1604 ( a ). Additionally, under 15 USC 1666 ( b ), a creditor can not treat a late payment on an open-ended account as late for any purposes, and I believe this has been incorrectly applied in my case. As such, I am requesting that you conduct an investigation into this matter and remove the XXXX XXXX Credit Card account from my credit report. I have not authorized the reporting of this account, and it is essential that my rights under the UCC and FCRA are respected. Please provide a thorough investigation and written confirmation of the results. If the account is found to be inaccurately reported or unverified, I expect it to be removed from all credit reporting agencies promptly. Thank you for your immediate attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I pulled my credit reports and found lots of addresses and my personal address with errors in it. I have attached my information so you can update my address to be accurate. Please update my personal information to one accurate address, one accurate name and such. Please mail me an update of my information updated when it's 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
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I pulled my credit reports and found lots of addresses and my personal address with errors in it. I have attached my information so you can update my address to be accurate. Please update my personal information to one accurate address, one accurate name and such. Please mail me an update of my information updated when it's 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 explanation
Consumer complaint received 2025-01-06 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Submission of Documents Related to Identity Theft Case Dear [ FTC Contact/Department I am writing to submit necessary documents regarding my identity case. Enclosed with this letter, please find the following documents : 1. FTC Report detailing the identity theft incident 2. Affidavit affirming my identity theft claim 3.And other supporting documents, such as credit reports, etc. ] I appreciate your attention to this matter and am available to provide any further information or clarification you may require.

Thank you for your assistance. 

Sincerely, Stall letters attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
I have been the victim of Identity Theft, and have filed an Identity Theft Affidavit with the US Federal Trade Commission, FTC, FTC Report Number XXXX, herein attached, dated XX/XX/XXXX, concerning certain fraudulent items on my TRANSUNION CREDIT REPORT that do not belong to me, and are the result of Identity Theft. 

Those fraudulent items on my TRANSUNION CREDIT REPORT that do not belong to me, and are the result of Identity Theft and fraud, are as follows : XXXX ) An XXXX XXXX Credit Card, opened on XX/XX/XXXX, Account Number XXXX, Total Fraudulent Amount Charged {$220.00} XXXX ) A XXXXXXXX XXXX XXXXXXXX, opened on XX/XX/XXXX, Account Number XXXX, Total Fraudulent Amount Charged {$3500.00} In addition to the above 2 fraudulent items on my TRANSUNION CREDIT REPORT that do not belong to me, and are the result of Identity Theft, there are also 6 Hard Pull Inquiries on my TRANSUNION CREDIT REPORT that do not belong to me, and are the result of Identity Theft, which are as follows : XXXX ) XXXX XXXX XXXX made on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX made on XX/XX/XXXXXXXX XXXX XXXX XXXX made XXXX XX/XX/XXXX XXXX ) XXXX XXXX made on XX/XX/XXXX XXXX XXXX XXXX XXXX made on XX/XX/XXXX XXXX ) XXXX XXXX made on XX/XX/XXXXXXXX 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi Bank account XXXX XXXXXXXX closed charged off with a {$680.00} balance reported CO in XX/XX/year>. 
XXXX XXXXXXXX XXXX XXXXXXXX closed charged off with a {$550.00} balance reported CO in XX/XX/year>. 
XXXXXXXX XXXX XXXXXXXX closed charged off with a {$160.00} balance reported CO in XX/XX/year> I asked all of these companies to mail me a copy of the 1099-C that each company got a tax right off and not one company sent me a response or a copy of the 1099-C. I can't get this copy from any of the Companies I have to contact the IRS for a copy. All of these companies should please send my 1099-C as soon as possible.

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