vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is my first attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I XXXX proceed with my life, or I XXXX be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Alorica Inc.
State: IL

Complaint narrative:
SST ( Systems & Services Technologies , Inc ) I have never contacted this company regarding the services they offer, I have never requested services from this company. I have given no permissions to this company in any respect. 

Since XX/XX/year>, I have received IN EXCESS OF 60 phone calls, 15 emails, 10 text messages- directly violating the FDCPA. ( call log, email, and text ( s ) attached ) References to the FDCPA regulations and the permissions they have are attached as well. 

On multiple occasions since XX/XX/XXXX, I have requested they cease and desist. They have refused. They continue to annoy & harass.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MI

Complaint narrative:
All my student loans were to be merged together into XXXX  I took a new job position requiring me to complete further education. When applying for FAFSA it was brought to my attention that there is currently a loan that was not merged and was in default. Ive signed a 12 month contract with my employee to have further education completed and now this is significantly impacting on if I can continue my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX, I applied for the card under an offer to receive XXXX bonus miles upon spending {$4000.00} within the first XXXX  days. Initially, my application went under review. I was contacted for verification of my information, including my SSN, birth date, and address. The card was subsequently approved on XX/XX/XXXX, which I received confirmation of via email. 

From XX/XX/XXXX to XX/XX/XXXX, within the XXXX period, I spent a total of {$4100.00} on this card ( last digits XXXX ). As of XX/XX/XXXX, I had not received the promised bonus miles, so I contacted the number on the back of the card and was informed that I would receive a letter with further details. 

On XX/XX/XXXX, I received a letter indicating that my bonus miles request was declined because previous XXXX XXXX Signature Business cardmembers are ineligible if they have received a new account bonus for this product in the last XXXX years. However, this condition was not part of the terms when I applied. I understand it was added to the card agreement in 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 2024-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
SoFi financial is not allowing me to wire my funds to a title company for a refinance. I need the refinance done and now I have to get another bank because theyre refusing to wire money to a title company. They said it can only be done for home purchases. This makes no sense and there is no real recourse other than to get an entirely new bank and have my money sent elsewhere. I feel like theyre tying up my money. Ive seen others say this is a problem over a year ago. This needs to be addressed. I filed a complaint but all they said was sorry. I have money but cant pay my bills or do what I need to do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FC HoldCo LLC
State: LA

Complaint narrative:
Account # XXXX Ive disputed this debt on many occasions with this company, in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ive informed the company to remove/delete this debt from my credit report, due to being affected by a Natural Disaster Hurricane Francine. This debt is impacting my ability to rebuild, and Im and experiencing financial difficulties and hardship. 
This debt is reflecting a balance of {$11000.00}, but the vehicle has been sold and the account has been written off. The balance should be {$0.00}. 

I am also a victim of fraud and have reported my case to The Internet Crime Complaint Center where my bank accounts was compromised. My personal information such as my ssn, is involved in several data breaches and on the dark web. 

I wish for this debt to be removed from my credit reports, due to to inaccuracy and potential 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 2024-10-21 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: PA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I had a 3 year auto loan with Chase Auto on a XXXX XXXX XXXX. Account XXXX. My final statement prior to payoff on XXXX showed a principal balance of XXXX. On XXXX, XXXX was debited from my XXXX checking account which paid off the loan and left a credit balance of XXXX. I received a letter from Chase congratulating me on paying off my loan and a check for the credit balance and title. 

On XX/XX/XXXX, my account was again debited another XXXX. I called Chase and the representative verified that my loan had been paid off, but that I needed to " turn off '' the auto debit myself. I was reassured the XXXX would be returned to my account within two weeks. I waited two weeks and called again and was told the same thing. I called my bank and asked them to look out for the funds being returned from Chase. My bank recommended putting a stop payment on the extra XXXX payment and they filed an ACH dispute. The XXXX was returned to my account on XX/XX/XXXX. 

Starting in XXXX, Chase has re-opened my loan and demanded payment of the cancelled XXXX even though the loan had already been paid off. They have now reported that my loan is over 90 days past due and it has dropped my credit rating! I have talked to no less than XXXX different representatives, starting from scratch each time. They all say that the XXXX payment had been cancelled when my bank and records have verified it was the additional XX/XX/XXXX payment that was cancelled. I was debited twice!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XXXX XX/XX/year>, venmo closed my account citing security risk. 

I had a teen account as well. 

They wrote me a letter saying that they will avail any funds to me within and upto XXXX  days by XX/XX/XXXX. 

After XX/XX/XXXX i asked venmo to close both mine and my teen accounts. I have received a letter saying they will no longer deal with me. They refuse to close my account despite the XXXX days being over. 

On XX/XX/XXXX they contacted my teens email and let him know that the hold they had on his money was lifted and he could withdraw any money. After adding my account they still put a restriction amd lied that he could withdraw when there was no withdrawal optiion in his account. He could not withdraw his funds. Venmo acknowledged that legally any funds belong to the account holder. 

Now it is the runaround. With canned responses. 

I want my account closed. I want all funds in my teen account either returned to the direct depositor or made available for withdrawal. Venmo refuses to close my account. XXXX  days are over. I have attached all relevant correspondenscence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian, XXXX. XXXX, Experian, XXXX has violated my consumer rights and violated federal law. This is my first attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.

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 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: SD

Complaint narrative:
Multiple calls through the day from diffreny numbers all with the same company name williams and fudge calls will start in the morning and go through out the day sometimes they will start around XXXX or so and get multiple call until around XXXX maybe XXXX. Attached are some of the calls and they go back about a few months everyday almost multiple calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: LA

Complaint narrative:
Dear XXXX  XXXX Account number XXXX XX/XX/XXXX, {$470.00} XXXXXXXX XXXX XXXX XXXX Account number XXXX XX/XX/XXXX, {$2000.00} XXXX XXXX XXXX Account number XXXX XX/XX/XXXX, {$11000.00} I am writing to formally request the removal of inaccurate information reported by your company to the consumer reporting agencies. On XX/XX/XXXX, I requested verification of a debt and its accuracy. By the date of XX/XX/XXXX, your company verified it. I believe this information is incorrect and has negatively impacted my credit report, affecting my character, reputation, and livelihood. 

According to 15 U.S. Code 1681s-2, as a furnisher of information, you are legally obligated to ensure the accuracy of information provided to consumer reporting agencies. The reported charge-off, according to IRS guidelines , is considered income, not a debt, and should not appear on a consumer report. 

The IRS defines a charge-off as income, which is not to be reported on credit reports. Therefore, the current reporting is inaccurate. Furthermore, the IRS requires a 1099-C form for cancelled debts over {$600.00}, which I have not received.

By law, you can not furnish information you know or have reasonable cause to believe is inaccurate. I demand that you cease reporting this inaccurate information immediately and remove it from my credit report.

Please consider this letter as formal notice of the inaccuracies, and I request that you address and rectify this matter promptly. You have 10 calendar days to remove this entry from my credit report. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dear XXXX XXXXXXXX Account number XXXX XX/XX/XXXX, {$470.00} XXXX XXXX XXXX XXXX Account number XXXX XX/XX/XXXX, {$2000.00} XXXX XXXX XXXX Account number XXXX XX/XX/XXXX, {$11000.00} I am writing to formally request the removal of inaccurate information reported by your company to the consumer reporting agencies. On XX/XX/XXXX, I requested verification of a debt and its accuracy. By the date of XX/XX/XXXX, your company verified it. I believe this information is incorrect and has negatively impacted my credit report, affecting my character, reputation, and livelihood. 

According to 15 U.S. Code 1681s-2, as a furnisher of information, you are legally obligated to ensure the accuracy of information provided to consumer reporting agencies. The reported charge-off, according to IRS guidelines , is considered income, not a debt, and should not appear on a consumer report.

The IRS defines a charge-off as income, which is not to be reported on credit reports. Therefore, the current reporting is inaccurate. Furthermore, the IRS requires a 1099-C form for cancelled debts over {$600.00}, which I have not received.

By law, you can not furnish information you know or have reasonable cause to believe is inaccurate. I demand that you cease reporting this inaccurate information immediately and remove it from my credit report.

Please consider this letter as formal notice of the inaccuracies, and I request that you address and rectify this matter promptly. You have 10 calendar days to remove this entry from my credit report. 

Thank you for your immediate attention to this issue. 

Sincerely, 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 2024-10-21 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 am a survivor of XXXX XXXX  The adverse information attached which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of XXXX. Pursuant to XXXX of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other information related there to ) within XXXX business days ( see 12 CFR 1022.142 ( XXXX ) ( XXXX ) ). In addition, please send me notification of the action taken pursuant to this request within XXXX business days ( see 12 CFR 1022.142 ( f ) ).

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 2024-10-21 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 am a survivor of XXXX XXXX. The adverse information attached which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of XXXX Pursuant to 605XXXX of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other information related there to ) within four business days ( see 12 CFR 1022.142 ( e ) ( 1 ) ). In addition, please send me notification of the action taken pursuant to this request within five business days ( see 12 CFR 1022.142 ( f ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Recovery Service Incorporated
State: CA

Complaint narrative:
I reached out to ARS regarding an account that I found that doesn't belong to me. ARS is debiting my account and I've instructed them to stop all payments as the account they are trying to debit has been compromised. Furthermore I found out that this account is fraudulent and I didn't open it. The used deciptive collection practices to act like I owed this debt which I don't cause I was a victim of ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: LA

Complaint narrative:
Dear XXXX  XXXX Account number XXXX XX/XX/XXXX, {$470.00} XXXX XXXXXXXX XXXX XXXX Account number XXXX XX/XX/XXXX, {$2000.00} XXXX XXXX XXXX Account number XXXX XX/XX/XXXX, {$11000.00} I am writing to formally request the removal of inaccurate information reported by your company to the consumer reporting agencies. On XX/XX/XXXX, I requested verification of a debt and its accuracy. By the date of XX/XX/XXXX, your company verified it. I believe this information is incorrect and has negatively impacted my credit report, affecting my character, reputation, and livelihood. 

According to 15 U.S. Code 1681s-2, as a furnisher of information, you are legally obligated to ensure the accuracy of information provided to consumer reporting agencies. The reported charge-off, according to IRS guidelines , is considered income, not a debt, and should not appear on a consumer report. 

The IRS defines a charge-off as income, which is not to be reported on credit reports. Therefore, the current reporting is inaccurate. Furthermore, the IRS requires a 1099-C form for cancelled debts over {$600.00}, which I have not received.

By law, you can not furnish information you know or have reasonable cause to believe is inaccurate. I demand that you cease reporting this inaccurate information immediately and remove it from my credit report.

Please consider this letter as formal notice of the inaccuracies, and I request that you address and rectify this matter promptly. You have 10 calendar days to remove this entry from my credit report. 

Thank you for your immediate attention to this issue. 

Sincerely, 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