vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
I am filing this complaint against SoFi Bank due to their failure to provide a paid in full letter for a personal loan I paid off on XX/XX/year>. I need this document for a time-sensitive mortgage closing early XXXX, and SoFi has refused to provide the letter in a timely manner, stating that their system only generates such letters at the end of the month when they send updates to the credit bureaus. This delay puts my mortgage closing in jeopardy and may result in significant financial and personal harm.

When I contacted SoFi customer service, I was informed that no one in customer service can connect me to a banking representative to address my matter. Despite my repeated attempts to escalate the matter, I was only able to get a generic ticket created in their system, which was promptly ignored. So far, there has been no resolution, and SoFis customer service appears unable to forward my issue to an employee authorized to handle banking matters. 

A paid in full letter is a basic banking service, and other financial institutions routinely issue such documentation upon request. I have provided alternative documentation ( e.g., a printout of my loan status showing a {$0.00} balance ) to my mortgage lender, but they require an official letter from SoFi that includes identifying details, such as my name and loan account number.

SoFis inflexible and unresponsive process is now preventing me from meeting my mortgage lenders requirements, and their inability to provide this letter in a reasonable timeframe may cause me to miss my mortgage closing.

This issue reflects a failure on SoFis part to provide basic customer service and banking functions. I respectfully ask the CFPB to hold SoFi accountable for its inability to resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These funds were assessed despite having sufficient funds available at the time the transactions were authorized. However due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

This issue appears consistent with recent findings by the CFPB which identified similar practices by NAVY FRDERAL CREDIT UNION, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2025-01-24 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: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IL

Complaint narrative:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$11000.00}

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 2025-01-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are accounts I have tried to dispute being they were paid off or I do not have a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NJ

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. ( 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 explanation
Consumer complaint received 2025-01-23 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:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
These are the accounts that are inaccurate : 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
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts I marked as inaccurate -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NY

Complaint narrative:
I believe my Social Security number was compromised because I am a victim of a Data Breach/ Identity Theft. Because of this I initially reached out to the three reporting agencies with disputes and nothing happened so far. As a result I contacted the Federal Trade Commission and filed an FTC Report which I have attached to all the consumer reporting agencies. I disputed several accounts and hard inquiries that are due to Identity theft because I have no knowledge of these accounts and I did not initiate or open these accounts. These accounts are The disputed accounts include : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$930.00} XXXX. XXXX XXXX {$2200.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$1400.00} Disputed Inquiries include : XXXX XXXX XXXX XXXX XXXX These accounts are fraudulent and were not authorized by me. As per 15 U.S.C. 1681c-2 ( c ) ( a ), the credit reporting Agencies, within 4 business days must lawfully abide by and I request the following actions : 1. Immediate blocking of the disputed accounts from my credit report.

2. Notification to the furnisher of the disputed information regarding the blocked accounts.

3. A confirmation in writing that these accounts have been blocked and will not be reinserted into my credit report. I have also asked for them too attach an updated Credit Report as well. 
nothing has been removed as of yet, and I need them to act immediately!!

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 2025-01-24 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Indiana 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX  XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$19000.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$5200.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3400.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1700.00} XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1400.00}, XXXX XXXX XXXX Account XXXX XXXX date opoened XX/XX/XXXX bal. {$970.00}, XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX bal. {$170.00}, XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX, XXXX  XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-24 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: GA

Complaint narrative:
The account and charges were reported as fraud. I even submitted a video to XXXX XXXX of the suspect and his toddler, who he directed to take the credit card from the front porch. I provided a police report, disputed with them personally, and they are still harassing me via telephone and email regarding collection.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Dispute XXXX XXXX Account # XXXX Dear XXXX, This letter constitutes a formal dispute of the alleged debt you claim I owe, as outlined in your communication dated XX/XX/XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g I hereby dispute the validity of this debt in its entirety. I request that you cease all collection activity on this account immediately until you have provided me with the following : * Verification of the debt : This must include the following information : * The name of the original creditor to whom the debt is owed.

* The amount of the debt, including any applicable interest, fees, and penalties.

* A clear statement of the date ( s ) and amount ( s ) of the original transaction ( s ) that resulted in this debt.

* A copy of any supporting documentation, such as contracts, invoices, or judgments.

* Cessation of communication : As per 15 U.S.C. 1692c ( c ), I request that you cease all communication regarding this debt until you have provided me with the requested verification. This includes, but is not limited to, phone calls, letters, emails, and text messages.

I understand that my failure to dispute this debt within thirty ( 30 ) days of receiving your initial communication may be construed as an admission of liability. However, I reserve my right to dispute the debt at any time. 
I expect a prompt and written response to this letter within the timeframe required by law. I will consider further action, including legal recourse, if I do not receive the requested information or if you continue collection activity during the dispute period. 

Sincerely, 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 2025-01-23 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Dispute XXXX XXXX Account # XXXX Dear XXXX, This letter constitutes a formal dispute of the alleged debt you claim I owe, as outlined in your communication dated XX/XX/XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g I hereby dispute the validity of this debt in its entirety. I request that you cease all collection activity on this account immediately until you have provided me with the following : * Verification of the debt : This must include the following information : * The name of the original creditor to whom the debt is owed. 
* The amount of the debt, including any applicable interest, fees, and penalties. 
* A clear statement of the date ( s ) and amount ( s ) of the original transaction ( s ) that resulted in this debt.

* A copy of any supporting documentation, such as contracts, invoices, or judgments.

* Cessation of communication : As per 15 U.S.C. 1692c ( c ), I request that you cease all communication regarding this debt until you have provided me with the requested verification. This includes, but is not limited to, phone calls, letters, emails, and text messages.

I understand that my failure to dispute this debt within thirty ( 30 ) days of receiving your initial communication may be construed as an admission of liability. However, I reserve my right to dispute the debt at any time. 
I expect a prompt and written response to this letter within the timeframe required by law. I will consider further action, including legal recourse, if I do not receive the requested information or if you continue collection activity during the dispute period. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation