vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: IL

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. In some cases they have even updated the accounts as verified but can produce to proof of how the came to this conclusion. I request immediate investigation and removal of the items I have listed below as it is incorrect and does not reflect my true credit history. 

XXXX XXXX XXXX XXXX XXXX of {$390.00} XXXX XXXX XXXX Balance of {$970.00} XXXX XXXX XXXX Balance of {$6600.00} XXXX XXXX XXXX XXXX of {$8700.00} None of these accounts list full or partial account numbers on my credit report when I view it online.

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 2025-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I have refinanced two loans through SOFI banking the original loan having an origination date of XX/XX/XXXX, and the second loan having an origination date of XX/XX/XXXX XXXX second refinance loan was to replace the original. 

SOFI is claiming they sent the money to XXXX and that they are waiting for account closure on their end. However my original loan was transferred internally to XXXX by XXXX on the date of XX/XX/XXXX. SOFI is claiming that they have no control over the situation and have taken {$680.00} out of my account to pay for a loan I no longer have. The payments were made on XX/XX/XXXX of {$340.00} and on XX/XX/XXXX of {$340.00}. I have chosen to no longer pay on this loan and am late {$340.00} as of XX/XX/XXXX. 

I am current on my second loan refinance of {$150.00} which is the only loan the bank should have on my behalf. SOFI is choosing to make this issue with XXXX their customers problem and requesting that the loan is payed on my behalf for an indeterminate amount of time. 

Both loans are internally associated with SOFI, however they are claiming that there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I got a call from somebody claiming to be a debt collector. They were trying to collect a debt from a Wells Fargo account that has been closed for at least XXXX years. They threatened legal action and freezing my bank accounts. They claim the debt is in the amount of XXXX dollars. I looked into it and saw that it is potentially a " zombie debt collector '' scam. They had my social security number and an address I haven't lived at since XXXX. I XXXX have verified my social security number but was too flustered to remember. They did not mention a company name but the number they called from is XXXX. Ultimately I hung up and did not send any 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 2025-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
My Sofi loans were previously serviced by XXXX. At the beginning of this month, servicing switched to SoFi. Unfortunately, this switch has made getting paperwork completed nearly impossible. For whatever reason, SoFi has not setup a secured portal where you can upload sensitive personal information. Instead, they direct you to email them insecurely to their general email account : XXXX. However, if you try to send them an encrypted email, they are unable to open up the email appropriately because it's a general email account. This became an issue because I tried to send them paperwork for the VA 's Education Debt Reduction Program ( EDRP ). I need what's called the Appendix M form completed. Every time I called customer service, they kept asking me to email my SSN, Name, Mailing address, and phone number unencrypted from my email to theirs. This is a huge security risk. After several hours of phone calls, I was able to find a service person who was willing give me their work email address so I could email a properly encrypted email to them. Even after that, it still took more phone calls to let other service people know that my form was now in their system. I've had my ID stolen multiple times, so I'm extremely careful about just sending my information out over the internet. Unfortunately, I need this specific form filled out by SoFi to receive my loan repayments from the VA. Finally, multiple service people have recognized this as a problem, but they are powerless to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: KS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-26 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: Chime Financial Inc
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX https : XXXX I recorded all the phone calls with the bank what they allowed the merchant to do was take money out of my account that did not have any money in it they did it with my debit card they ran the debit card after I walked out the office and my card was locked and I did not have the funds in the account so the card should have declined instead my bank gave them the money it was unauthorized I did not authorize him to do it and I've been asking the bank to refund me my money they won't do it I would like my money back so the first XXXX things that you see at the top are links to hear the videos because that is my proof I recorded the phone calls and I told them that I was recording the phone calls because they were to record in mind I don't think somebody should be able to go into my account and take money out when they get ready and my bank allows them and I've tried to dispute this a XXXX times every time they denied I disputed again but they are not disputed they're telling me they're disputing it but they're not I want this to be taken care of this bank has caused me a lot of grief a lot of suffering and what I want is my money back in them to pay for pain and suffering for me being homeless because of them taking my money and allowing this merchant to take my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: GOLDMAN SACHS BANK USA
State: TX

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several accounts listed on my credit report that do not belong to me. This is not only unfair but also deeply concerning, as I have never authorized or been involved in any of these actions. If you fail to investigate these accounts and correct this error, I will be forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt related.. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other applicable federal and state laws.

1. Dispute of Debt : I dispute the validity of the alleged debt, as allowed under 15 U.S.C. 1692g ( a ), which mandates that a debt collector must provide validation of the debt upon request. Until you provide the requested verification, as required under 15 U.S.C. 1692g ( b ), further collection efforts violate the FDCPA.

2. Prohibited Practices : Be advised that under 15 U.S.C. 1692d, you are prohibited from engaging in conduct that is harassing, oppressive, or abusive. This includes making repeated calls or threats, as well as contacting me through improper channels. Under 15 U.S.C. 1692e, any attempts to mislead or deceive me about the debt are also unlawful.

3. State Law Compliance : In addition to the FDCPA, I urge you to adhere to the provisions of Californias Rosenthal Fair Debt Collection Practices Act, Cal. Civ. Code 1788-1788.33 ], which provides similarly protective measures for consumers against unfair debt collection practices.

This notice serves as formal notice that any further communication regarding this matter must be conducted in writing and should only be focused on the verification of the debt. Any further attempts to collect this debt without providing validation will be documented, and I will not hesitate to file ongoing complaints with the Federal Trade Commission ( FTC ), and my states Attorney General 's office. 

Please consider this a final notice to cease all collection efforts regarding this matter until proper verification is provided. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX, Apt XXXX XXXX XXXX TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
i sent a letter to jefferson capital asking them to validate the debt on XX/XX/XXXX they sent a letter saying they recieved my letter. we are now in XX/XX/XXXX and still no reply, the Fair Collection Practices Act requires if validation is done within 30 days it must be removed from the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was on an account with my son and he went in and closed my account without my consent and opened a new one without me on it. I am elderly and now all my money is gone. I don't know how to proceed because all of this was done without my consent XXXX gone and now I do not have money to survive. Went to citbank and they confirmed that he closed the accounts but I did not have to be there. How does that make sense? 
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 explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-26 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-26 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: LA

Complaint narrative:
I am writing to formally express my concerns regarding zelle handling disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Zelle has failed to investigate my claim adequality.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Multiple accounts were opened in my name with Chase bank I have never done business with chase. I was told that I was responsible for an account. I have no information or knowledge of this account ever being opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: ID

Complaint narrative:
Equifax and Experian are both still reporting a collections account with a balance of {$2100.00} by XXXX XXXX XXXX XXXX. This account was paid and has a XXXX XXXX balance, I even verified with XXXX XXXX that the account does not have a balance and that a request to have it deleted was made, however only XXXX has done so. Equifax and Experian refuse to delete it and are reporting incorrect information.

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 2025-02-26 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I did not consent to the department of education to release and provide my personal and financial information to the government. My account, loans, personal information, and financial information has been comprised due to information that was shared without my authorization. The Family educational Rights and Privacy Act ( FERPA ) protects my confidentiality as student and it is there right to safeguard my information. Due to the severity of my personal and financial information being compromised, I request that you immediately cancel and discharge my student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation