vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Today, XX/XX/year> I got a call from ( XXXX ) XXXX at XXXX XXXX. 

The lady on the phone said her name was XXXX and she was with Sofi. 

She asked me to verify personal information like social security and date of birth and I told her I don't provide personal information over the phone to random people who call me. 

She proceeded to ask me several questions related to my account, but she was unable to explain why she was asking them. Some of the questions were XXXX. For instance, she asked me where my XXXX XXXX  check comes from and I said " XXXX '' and she asked me for the office. XXXX 's a big company I don't know who writes their checks, if they have an issue with XXXX they should take it up with XXXX. 

This was a very frustrating experience because she refused to provide a timeline on when my account will be reopened. I explained I talked to someone else but she said she was unable to talk to the customer service group. 

I really think there's something wrong with Sofi. If they are unable to honor their deposits they are in receivership and should be referred to the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was notified a few weeks ago that my ss # is on the dark web. I have a freeze with all but Transunion. Today, XX/XX/XXXX, is the XXXX attempt thru Transunion web address put a freeze on my credit. I have attempted to change an old password and/or set up a new account and have made numerous phone calls to no avail. 
At this point I am so frustrated I have nowhere to turn. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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:
Dear CFPB, I am writing to formally lodge a complaint against Experian regarding the inaccurate reporting of my XXXX  XXXX account ( Account Number : XXXX ). According to the Fair Credit Reporting Act ( FCRA ), all credit reporting agencies are obligated to ensure the accuracy and integrity of the information they provide. Unfortunately, Experian has failed to comply with these regulations concerning my account. 

This inaccuracy has caused significant distress and hardship in my life, potentially affecting my ability to secure credit, rental opportunities, and even employment. The discrepancies on my Experian report have created unnecessary obstacles and financial strain, which I believe is a violation of my rights under the FCRA. 

I kindly request that your office intervene and direct Experian to remove this inaccurate information from my credit report. Timely action on this matter will alleviate the undue burden this situation has placed on me. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and resolution.

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 2024-11-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged {$25.00} on XXXX XXXX  XXXX  by XXXX, a website I had never even heard of and when I want to chase to file a claim they gave me temporary credits for my money back but after they had further investigated my transaction they resolved that it was authorized by me. I have never bought anything from this website nor have I heard of it before I was charged and now chase wants me to pay for something I didnt buy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: NY

Complaint narrative:
I am writing this complaint for the second time. I contacted your organization a dispute last XX/XX/year>, in which I explicitly stated the accounts that were fraudulent and in question ; yet, there are still accounts on my credit report that should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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:
XXXX has allowed for these company to report accounts that are not me from victim of both identity theft and XXXX XXXX  victim. Ive disputed this before and they remain. Ive given all documentation for these items to be blocked and removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: IL

Complaint narrative:
XXXX has allowed for these company to report accounts that are not me from victim of both identity theft and XXXXXXXX XXXX  victim. Ive disputed this before and they remain. Ive given all documentation for these items to be blocked and removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
It is multiple loans that have been taken out using my SSN but with my ex husbands XXXX XXXX XXXX place of employment, a bank account not associated with me and both either him and his girlfriend address or his mother address which is in a completely different city and state than I. I have been trying to get these loans removed from my credit report for over a year as it is multiple and more keeps being added which has caused me to lock my SSN. Freeze my credit reports and Ive filed a police report as well as FTC on identitytheft.gov. He keeps getting away with this and I keep getting penalized with debt on top of debt that I do not owe nor is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: PA

Complaint narrative:
More than XXXX years after a trip to XXXX, I received a letter on XX/XX/year> from XXXX XXXX XXXX, a debt collector. Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and phone number is XXXX. The letter stated that I had committed a traffic infraction in XXXX and that I owed XXXX XXXX, which as of today is {$690.00}. While in XXXX XXXX years ago, I was never stopped by the police, nor did I receive a traffic ticket. I have not received any proof of the alleged traffic violation, nor have I been given the opportunity to appeal or dispute the claim. I believe that this may be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$160.00} INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore, provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number.

As stated above, send me all five items, which are my right to receive. Contact me through the United States Postal Service only. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
Around XX/XX/year>, I received my monthly statement from EdFinancial in regards to my consolidated student loans. The Unpaid Principle increased by {$1500.00} even after making payments in which interest was covered and the principle decreased by {$150.00}. I received no notice of additional loans or capitalized interest. There should be no capitalized interest on the account as the account is in good standing and payments are made on a near weekly basis. 

Between XX/XX/XXXX and XX/XX/XXXX, I made XXXX phone calls to EdFinancial. On the first call, I hung up after a XXXX hour hold. On the second call, a customer service representative picked up the phone. After explaining the issue, there was an audible " huff '' and I was disconnected by EdFinancial. On the third call, the representative said there was nothing they can do to investigate. The rep did state that there seems to be an issue with how some of my interest calculated on my payments was the same for weeks on end and the interest wasn't calculated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Per my last complaint with Lowe 's credit card Synchrony Bank, I was told I would be refunded the {$560.00} the next billing cycle. Well, it's the next billing cycle and I have not been refunded. 

Can you please reach out to Lowe 's as I have tried calling Lowe 's and corporate office with no response. 


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 2024-11-15 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: OneMain Finance Corporation
State: MI

Complaint narrative:
I have no knowledge of this transaction, I did not fill out a credit application or loan application with this company. The inquiry reported on my credit file is fraudulent. 

Onemain Financial XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have had my Bank of America credit card for XXXX  years and today I tried to use it and its showing closed! I have not been notified of this card closure as it will impact my credit. I am XXXX and this is the only credit card I have. They have taken this retaliatory action because I filed a federal case against them! I have been paying as agreed.

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 2024-11-15 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: DE

Complaint narrative:
The credit bureaus are not respecting my right to privacy under 15 USC Code 1681 section 602 According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The credit bureaus are sharing my information to third party companies without my consent which is affecting my credit score in negative ways by reducing my score.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-11-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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:
I have requested that this account be deleted and blocked I sent the police report and the FTC and also I sent my bill to show the address and information that you have is wrong also there are many mistakes on the account please take in consideration this is the second time I request this XXXX the fraud inquiries as well 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/year> - {$00.00}

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 explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IN

Complaint narrative:
Hunter Warfield, acting as a debt collector for XXXX  XXXX, is attempting to collect {$2100.00} and reported this debt to my credit in XX/XX/year>. I was a resident at XXXX XXXX XXXX XXXX and experienced harassment and discrimination, being singled out as the only person of color in the building by both a new tenant and the property manager. I raised complaints about this treatment, and I am attaching all communications with XXXX  XXXX to support my claims. 

This situation escalated to the point where HUD and XXXX XXXX XXXX became involved. The breaking point came when the property manager shared my personal rental information, including my Social Security number and bank details, with unauthorized parties. At that point, I requested to break my lease, as the management sided with the property manager instead of addressing my concerns. I was assured that I could terminate my lease without penalty, provided I moved out by the end of the month, which I did.

Despite this agreement, my {$700.00} deposit was never returned, but I considered the matter closed. However, the debt reported by Hunter Warfield not only negatively impacted my credit score but also affected my ability to secure employment due to my credit history. I am attaching all relevant emails, including those between myself and XXXX  XXXX, HUD, and the Seattle Office for Civil Rights ( SOCR ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On or about on XX/XX/year>, company XXXX XXXXXXXX XXXX has violated 15 usc 6802. I did not consent nor have i ever AUTHORIZED to disclose my personal information to nonaffiliated third party. This has caused me significant harm and ive been financial damaged which for reason for this dispute. XXXX XXXX XXXXXXXX can not and will provide any proof to me the consumer with disclosure that such information may be disclosed to such a third party. Finally I the consumer XXXX XXXX was not given the opportunity to direct the institution not to disclose my personal information without my authorization. 

Finally I am ordeing institutions to remove all negative experiences, that mean late payment, credit inquirys and etc. That is a blatant violation of 15 usc 1681a. Credit utilization is EXCLUDED from the consumer report as well as late payments. 

AUTHORIZATION TO DISCLOSE WAS NEVER AUTHORIZED. PERMISSSION WAS NEVER GIVEN!!!

Company response to consumer: Closed with explanation