vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: AZ

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 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 2025-01-13 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: LA

Complaint narrative:
This is the same problem that I had once before and it dated back to XX/XX/XXXX XXXX XXXX My disputes were denied immediately but then upon appeal tried to deny me again until I got upper level people like yourself to get involved. Now there were other transactions that was made on the same account and current is trying to be partial on what they're going to give me and what not when all of it stemmed from someone stealing my money in which the same person who used my banking information also used the credit builder information and paid a bill not in my name and not my bill. I tried to contact the merchant concerning the fraud and they didn't want anything to do with it and told me to take that up with the police in my bank. Because of this mishap everything is off balance for me and I was able to catch up some bills but it accrued interest and other problems that I didn't need. Now they are telling me I have to wait XXXX more days for something that should have been awarded to me at the same time as the larger amount and I'm on fixed income and can't afford to lose anything to anyone unless I choose so. They keep telling me that they are working on it and it's been escalated to no avail so once again I'm respectfully asking you to look into the problem and alert them to resolve this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-01-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: MOHELA
State: VA

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: SLM CORPORATION
State: CT

Complaint narrative:
Thank you for taking the time to read my complaint. Sallie Mae are the worst people in the world. I filed bankruptcy and Sallie Mae refuses to agree to discharge my loans. This is absolutely absurd. I am a teacher, not a millionaire. I am trying to get back on my feet and they are making things horrible. This should not be the case for teachers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MN

Complaint narrative:
XXXX XXXX XXXX has bought a debt for a rental apartment complex that I use to live with XXXX XXXX. 

Upon move out no move out visit or documentation was completed and the apartment complex charged me {$3000.00} + in " cleaning fees '' the apartment was left in good condition and I was never contacted or provided the information until it was purchased by a debt collector. 

I've contacted the company several times requesting documentation and was told " they aren't required to send me anything other than the bill itself and the lease '' They are negatively reporting on my credit and the balance is inaccurate and they will not provide documentation on how they arrived or came up with the additional charges. They also took my entire security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: PNC Bank N.A.
State: WV

Complaint narrative:
On Tuesday XX/XX/XXXX my PNC credit card began to decline payments. I called PNC XXXX support at XXXXXXXX XXXX to resolve the issue. The service representative told me he did not know why my card stopped working completely as my account is in good standing and my expiration date is XX/XX/XXXX. He suggested there is a system expiration date " mistmatch '' and that I should have received a new card the week prior. I was never sent notification of a new card or an account issue. He stated my new card will be delivered to my address on file in XXXX business days. I was about to travel internationally by the time the new card was supposed to be delivered so I requested a rushed delivery to which was denied. I returned from my travel on Tuesday XX/XX/XXXX to no card. I called my local PNC Bank branch in XXXX, WV, and they did not see anything about a new card being delivered or investigation opened. The PNC Bank branch filed a new complaint internally and promised my card to be delivered to their branch within 7-10 business days. I never received a call or an explanation as to why my card was shut off or that my new card was delivered. Today XX/XX/XXXX, I called the local PNC Bank branch to see where my card is and where the investigation has gone. The card was not delviered again, and the status of the investigation is still " unknown ''. Today, XX/XX/XXXX PNC Bank has now promised a third time that they will have a new card sent to my address on record and filing a complaint internally. 3 months have surpassed since I have had a working credit card on a good standing account. I have received no answer as to why this has occured. I have had to change all of my automatic payments to a different card, causing late fees, and stress. In addition to that, I was unable to use my credit card during international travel, and had to resort to using a PNC XXXX XXXX overseas, which charges international transaction fees. This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
On Thursday XXXX I requested a wire transfer of {$50000.00} from my savings account at SoFi bank to my brothers account at an external bank. 
XXXX was unable to process the request. 
On Friday XXXX I tried to make the same request numerous times and received the same error. 
On Friday XXXX  I chatted with and spoke with customer service and was advised there was a technical issue. After trying numerous adjustments to the transaction ( eg using web instead of app portal ) XXXX was still unable to process the request. I asked for alternative timely solutions and none were provided. I was advised I needed to wait XXXX for technical staff to address the issue. 
On Monday XXXX I tried yet again and still the same problem. I chatted extensively with customer support and tried additional work arounds including moving the funds to my checking account and trying to transfer from there. I was again offered no timely solution and was told technical support was still working on the issue. 
On Monday XXXX I offered alternative solutions to XXXX including manual transfer or sending on my behalf and deducting the funds from my account or freezing it. XXXX was unable or unwilling to do anything timely to resolve the issue. It was suggested that XXXX has no ability to provide a workaround possibly because this is a new self service platform. I begged for a workaround and was dismissed. 

I find it completely unacceptable that a bank can advertise/offer such a service and due to an internal technical issue it is unusable for days without any effort at providing a reasonable timely alternative. This XXXX have cost my brother and his family their home purchase transaction and has definitely caused emotional pain and suffering. In addition, the inability to resolve such a basic problem in a timely fashion makes me concerned XXXX XXXX not even have my funds available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
I have been trying to remove accounts that were caused by identity theft for over a year now. I have filed a police report with the XXXX police department, and this is my 12th attempt to correct this injustice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
I have been trying to remove accounts that were caused by identity theft for over a year now. I have filed a police report with the XXXX police department, and this is my 12th attempt to correct this injustice.

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 2025-01-13 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: 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 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 non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: GA

Complaint narrative:
I am writing to formally request an investigation regarding a recent dispute I filed with NetSpend Skylight concerning unauthorized transactions on my account, which I believe were a result of fraud. Despite my efforts to resolve this matter, I have not received a refund or credit for these disputed transactions. 

On Claim Date : XX/XX/year> Claim Amount : XXXX, I reported several transactions that I did not authorize. According to my understanding of the regulations governing these disputes, I should have received a thorough review of my claim. However, I was informed that the decision regarding my dispute was made in just nine days. This timeframe raises significant concerns, as typical disputes with other merchants are allotted a standard response period of 30 days. 


Given the nature of the transactions in question and the potential impact of fraud on consumers, I believe a comprehensive investigation is not only warranted but necessary. I am requesting that the Consumer Financial Protection Bureau look into this matter and provide clarity on how the decision regarding my dispute was reached in such a shortened timeframe. 

Additionally, I would appreciate any documentation or evidence that supports the conclusions drawn by NetSpend Skylight in this case. Understanding the basis for their decision is crucial for me, particularly in light of the seriousness of fraudulent activity. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in ensuring that my rights as a consumer are upheld.

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 2025-01-13 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX Transunion Re : Request for Damages pursuant Fair Credit Reporting Act ( FCRA ) due to willful negligence According to my records of previously submitted disputes/documents via USPS, CFPB, and/or your online portal, you were in receipt of my prior communications and were obligated by law to take investigate my claim for action within 30 days of receiving notice of dispute. Knowing that this is a lawful obligation of yours, you both knowingly and willfully failed to delete the disputed information. Additionally, you have not communicated any probable error that would prevent you from completing this as everything that is NEEDED to fulfill my request was included in my initial dispute. There was no cause for you to stall or reason for you to stall, procrastinate, or refuse your duties. 

Therefore, I am now demanding the immediate removal of the disputed information. Under the provisions of the FCRA, you are also liable for damages, as outlined in 15 U.S.C. 1681n-1681o. In addition to removing the disputed information, you are required to issue a payment of {$1000.00}, made payable to my name as indicated in the letterhead above. For your convenience, I have included a completed IRS W-9 form to assist with your accounting or legal tax obligations.

I want to be explicitly clear that this is not a notice or attempt to start a new dispute. Ive already tried to rectify this affair with you. By law, you are only allowed 30 days from day of receipt to dispute, and that time has since elapsed.

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 2025-01-13 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:
XX/XX/year> XXXX Equifax XXXX Re : Request for Damages pursuant Fair Credit Reporting Act ( FCRA ) due to willful negligence According to my records of previously submitted disputes/documents via USPS, CFPB, and/or your online portal, you were in receipt of my prior communications and were obligated by law to take investigate my claim for action within 30 days of receiving notice of dispute. Knowing that this is a lawful obligation of yours, you both knowingly and willfully failed to delete the disputed information. Additionally, you have not communicated any probable error that would prevent you from completing this as everything that is NEEDED to fulfill my request was included in my initial dispute. There was no cause for you to stall or reason for you to stall, procrastinate, or refuse your duties. 

Therefore, I am now demanding the immediate removal of the disputed information. Under the provisions of the FCRA, you are also liable for damages, as outlined in 15 U.S.C. 1681n-1681o. In addition to removing the disputed information, you are required to issue a payment of {$1000.00}, made payable to my name as indicated in the letterhead above. For your convenience, I have included a completed IRS W-9 form to assist with your accounting or legal tax obligations.

I want to be explicitly clear that this is not a notice or attempt to start a new dispute. Ive already tried to rectify this affair with you. By law, you are only allowed 30 days from day of receipt to dispute, and that time has since elapsed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
An account that is closed can not be simultaneously past due, as closed accounts should not have ongoing payment obligations. 

This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all XXXX XXXX accounts removed immediately. 
15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
I'm a victim of identity theft and I have requested validation and verification of erroneous accounts that are listed on my credit profile that's reporting to Transunion, XXXX and XXXX. I've provided proof of my police report to them all. After 30 days I received a response that it was deleted and then placed back onto my credit profile and I was not notified within the 5 business days for reinsertion. They did not give me the method in which they used. According to the FCRA credit reporting agencies are required to provide proof and the method of verification as well as validation upon request. This includes the name, address and phone number of the verifying individual. These credit bureaus violated the FCRA by not complying with its guidelines. This is direct infringement of my rights under the FCRA. I'm asking that the following accounts be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief