vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
Our account of around {$150.00} had {$140.00} sent to a " XXXX XXXX '' someone we do not know or have ever met without our knowledge or approval and SoFi says they reviewed it and found nothing wrong. We have never sent anyone money from sofi not once and we want our money returned

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX I received a text prompt from pen fed about a charge I did not make. I called pen fed and notified them the charge was unauthorized. The person who I spoke to notified me that they will cancel my card and open up a dispute for the transaction. A month passed and no word or communications in regards to this dispute was made. It wasn't until approx XX/XX/XXXX I called them to inquire about this dispute - after several dropped calls and being flung from department to department the following things were revealed. 
1. An additional charge of XXXX was made to my canceled card as an unauthorized charge. 
2. The original dispute that I filed was in fact not filed by the incompetent dispute team. 
3. In order to file a dispute I would have to clear the negative balance that the unauthorized charges created. 

My account wasn't negative until the additional charge was made in XXXX, in addition when the XX/XX/XXXX charge was made, my account was not negative and furthermore I was told that it would be disputed. 

I'm not paying for the negative charges when your incompetence on two occasions is why my account is in arrears.

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 monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: AZ

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
I refinanced my mortgage through a different lender and used the proceeds to payoff a personal loan through sofi. Check was mailed XX/XX/2024. After multiple attempts to verify they received it, I was told by sofi that they received an envelope with the payoff letter but no check so I cancelled the check and had a second check sent, this one with tracking. The second check was sent XX/XX/XXXX and received by sofi XX/XX/XXXX. It was deposited the same day as I have a copy of the deposited check. Sofi later tried to deposit the first check that they claimed they never received. Ive called/chatted no less than a dozen times attempting to get this debt paid off. As of XX/XX/XXXX, they still have not found the second check despite depositing it XX/XX/XXXX. My account is currently past due as the payoff check is already {$4000.00} over the payoff amount and this would have been handled weeks ago if they didnt claim they never received the original check. I would like to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Continental Finance Company, LLC
State: IL

Complaint narrative:
I cantacted XXXX XXXX XXXX XX/XX/year>, in regards to a collection account reported to the credit reporting agencies. The collection account balance is paid in full, but the account is showing active on my credit reports. 

I called XXXX XXXX XXXX and requested that the collection account information be removed from the credit reporting agencies due to the account has a XXXX balance. 

I was advised by the suppervisor that XXXX XXXX XXXX will not or they do not removed negative information from consumers credit reports even if the account balance is paid in full and have a XXXX balance.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am requesting that it will be removed from my credit report 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
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had my checking account restricted on XX/XX/XXXX. I called Capital One at XXXX and was informed that my account would be closed because I used XXXX for XXXX XXXX, although I had previously verified XXXX transactions for Capital One and had the restriction lifted once before. On XX/XX/XXXX, I received an email notification that my account would be closed, and my funds would be sent to me via check or an externally linked checking account. It has been over 6 weeks since my account was restricted, and I still have not received my funds, despite visiting a Capital One branch without any assistance. Lucky for me I had some money in other accounts so I can pay my bills. The frustrating part is that I have to use another account to pay my Capital One credit card 's bill. Another frustrating aspect is that there is no recommendation in Capital One 's policies for customers not to use XXXX for cryptocurrency. Now I have money frozen in my capital one checking account and have no idea when can I get my money back. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: TX

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in resolving a distressing situation with my Capital One 360 Checking account, ending in XXXX. On XX/XX/XXXX, I received an email alert from Capital One regarding unusual activity on my account, prompting me to contact them for verification. Despite following their instructions diligently, including providing my passport and company documents as proof of identity, I was informed that my account could not be verified without a Social Security Number ( SSN ) or Individual Taxpayer Identification Number ( ITIN ). As a non-U.S. citizen with only an Employer Identification Number ( EIN ), I found myself at an impasse. 

Despite repeated attempts to resolve the issue, Capital One failed to provide a satisfactory solution within the stipulated timeframe of 90 business days, as indicated in their response email. Moreover, without any notice or authorization, Capital One withdrew all funds from my account on XX/XX/2024, totaling - {$3800.00}. 

As a Pakistani citizen and passport holder, I am reaching out to you for assistance in seeking justice in this matter. Despite my numerous attempts to engage with Capital One, their customer representatives have been unhelpful and unresponsive. I possess all necessary documentation, including bank statements, emails from Capital One, and supporting evidence, to substantiate my case. 

I kindly request your intervention to help resolve this issue and ensure that I receive fair treatment and restitution for the unauthorized withdrawal of funds and the lack of assistance from Capital One. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-18 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: AZ

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-18 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: GA

Complaint narrative:
2022 my experience theft and reported it upon notice immediately I'm in there have been delinquent payment reportings due to the unaware of the theft. I sent the police report and any other supportive information to XXXX credit card company, and they did find the fraud in my favor but refuse to remove the delinquencies associated with those fraudulent charges. I had to approach a situation and more than one occasion to remove late fees etc. But still to this day I can't get them to remove the delinquencies

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 2024-03-18 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: MO

Complaint narrative:
I was a victim of identity theft. I sent my FTC report to TransUnion LLC along with my lease where I was living at the time of the fraud. I sent a reference letter from the utility company where I was living the time of the fraud I sent my FTC report to Trans Union LLC multiple times over 10 times and they are still reporting it on my credit report. They refused to remove it when they have proof that the address on file is not my address nor was I living at that address ever please help fix this error.

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 2024-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Account Systems of Omaha, LLC
State: KS

Complaint narrative:
This account was paid in full through my XXXX account to the original creditor or they would not have done the work. After they were sold and moved to a new office and got a new system they said I owed this money and would not provide me with a statement of how they came up with this amount OR list any payments that were made to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im XXXX business days of receipt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've had several cards with Capital One and at least XXXX I believe and there were thefts that occurred and they found them in my favor in reverse the charges... Remove it but refuse to remove the delinquencies associated with the theft. They're reporting that I was delinquent and that is not correct as I shouldn't be he'll responsible for paying on charges that were not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: NY

Complaint narrative:
In accordance of the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance of the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
This company doesnt have an unsubscribe option

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: FL

Complaint narrative:
I viewed my credit profile and saw that I had some hard inquiries that do not belong to me.

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 2024-03-18 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:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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