vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
Last week i received a letter from XXXX  XXXX XXXX indicating that i had {$1600.00} in a prepaid account from the government for XXXX payments. i contacted XXXX  XXXX XXXX to make sure this was a legit letter and they said yes it came from their Government Prepaid Card department and it was legit and to call the number on the letter. so i called them and they said they had the money and they were going to mail me a check. I received the check and mobile deposited it into my SoFi account. the day after i received notification that my account was frozen pending investigation. i called them and they told me they couldnt tell me anything just that there was an internal investigation and that they would update me via the app. its been a week and a half and i hadnt heard anything from them so i called them today and they said my account is being closed due to violation of the user agreement. i asked if they could explain what that violation was. and they said they could not give me that information. i then asked to be transferred to someone who could and they said that no one could give me that information. that they were just closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my second time submitting this complaint to XXXX XXXX  and I do need it resolved as soon as possible. The previous response I received says that because I submitted my information, I gave them authorization to report a hard inquiry. This is absolutely not true. On XX/XX/24 I did a PRE QUALIFICATION check for XXXX XXXX  through XXXX XXXX. It specifically said it would not affect my credit and would not be a hard inquiry. This was written in big letters, before I submitted my information, see attached screenshot of website. I now have a hard inquiry on my Equifax credit report. This is impacting my credit negatively and I did not authorize this. I need this removed as soon as possible please. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SoLo Funds Inc.
State: MS

Complaint narrative:
I have been borrowing from this app when I am experiencing hardship. I believe I have been charged and required to pay fees illegally on each transaction with Solo Funds company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: V and H Portfolio
State: NY

Complaint narrative:
Vance and Huffman LLC fraudulently opened a collections account in XX/XX/XXXX. I live in NY and the statutes of limitations in NY is 3 years. This company opened this collection account which is negatively affecting my credit score, on an account that was closed in XXXX. That is 3 years past the statutes of limitations. I have disputed this account with the company and with all 3 credit bureaus, yet it is still being reported on my credit report! This account needs to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm writing to communicate my XXXX  with respect to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be entirely examined. In spite of my endeavors, I presently can't seem to get any goal or remedial activity. These incorrect records are seriously harming my credit document and upsetting my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused colossal difficulties for me, and I'm left with no decision except for to argue for your help with correcting what is happening as quickly as time permits. I compassionately demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the important advances are taken to refresh and correct my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I earnestly encourage you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue quickly would be extremely valuable. Much obliged to you ahead of time for your comprehension and 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 explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I suffered identity Theft in XXXX, that expanded into XXXX. I have contacted XXXX directly, tried to get help tracking down the criminal. They stopped returning calls about the theft, and new calls started for the owed payment from early XXXX. No payment has been made to the account, since the fraud happened XXXX XXXXXXXX XXXX XXXX sold the debt of {$2700.00} to Cavalry Portfolio debt collector. This debt collector has called and harrased my neighbors, extended family like people, that are not blood related, and myself. They threatened my neighbors with a lawsuit in XXXX. And filed against me, XXXX of XXXX. Well beyond the 4 year FDCPA law limit, while also violating other FDCPA laws. XXXX was originally notified of this fraud in XXXX. They were made aware, of the police report, and the FTC report. And Cavalry still chose to purchase and attempt to recover this fraudulent debt. 

The fraudulent activity took place XXXX XXXX XXXX, XXXX. No payments have been made to the company after this date, and no agreements, of any type have been made. 

I personally feel Cavalry in blindly filing lawsuits in hopes that folks simply to do not respond in time, iossuing a default judgement, even in cases where it violated the FDCPA Laws, leaving {$1000.00} in damages This identity theft and fraud has been haunting me since XXXX. This has directly impacted my life in every way. I have told cavalry over the phone, this is fraud, and it was reported to XXXX XXXX 

XXXX XXXX attempted to make Payments on their own. Resulting in the " payment posting, and then un posting '' These are NOT real payments. These are system automation, and generated by XXXXXXXX XXXX from accounts there were shutdown. You can see at one pointXXXX XXXX XXXX tried to debit {$1800.00}, posted the payment. Then the next day, undid the payment, because it was not actually cleared, or a real payment. 

The last payment, i have made to XXXX on this debt, was early XXXX. 
During this time, i had all XXXX credit burea put hard holds on my credit files, while i worked with trying to clear up my identityy theft. 
I was also part of the XXXX data breach which exacerbates the situation. 

After telling XXXX that i am represented by an attorney on this case, XXXX has continued to call my wife, my daughters, my neighbors, my old neighbors, and including Myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: LA

Complaint narrative:
We have contacted XXXX XXXX and they confirmed that they have sold this debt. It should not be appearing twice under my account. I have reached out to them, and they instructed me to send an email to delete the account off my report. This is unlawful and against my rights. My loan number is XXXX. We are also writing to you to acknowledge this matter and ensure that the correct action is taken.

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Attempted to receive authorized forms stating i authorized for them to run my credit. However received nothing and have hard inquiries on my credit that are negatively affecting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
This account is being reported on my consumer report. I have no knowledge about this alleged debt or this collection company. I was never notified about my right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX - XX/XX/XXXX - Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I sent payment they refused payment. Account balance is inaccurate and inquiries are inaccurate. Also payment is inaccurate sent certified mail. Under law refusal of tender is discharge to the full amount of tender.

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 2024-08-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was looking over my consumer report and notice hard inquires that I do not recognize. Please have these inquires removed,. XXXX  reporting, comenity bank/victoria secret XX/XX/year>. Equifax reporting, XXXX XXXX bank XX/XX/year>, XXXX XXXX services XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I put my settlement check into my account on the 31st. Try to use my funds the next day because they are available and it was a legit check for my legit accident and ever since I put this check in my account I have problems with Citibank. they have locked up my account even after the check was cleared. Ive been told multiple things I even went to Citibank today and they told me everything was fine to wait a few more days by the time I got home I had no reasoning and I have a lot of money in the account which is my money

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I LOST my wallet along with my XXXX XXXX long ago. I am a victim of identity theft. I have obtained a copy of my XXXX XXXX with EXPERIAN.COM and there are multiple accounts reporting to my XXXX XXXX that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my XXXX, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and found fraudulent accounts listed. Please remove these accounts as they are negatively impacting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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