vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
I have had a previous loan with this company that we paid in full but we did not have to pay weekly. We decided we would borrow again and they gave us instant funding, however the terms were not the same as the last one that we completed and paying almost {$200.00} a week until XXXX for a {$1200.00} loan is not realistic. We have already made 4 payments {$800.00} and I cant continue to pay this weekly or I will lose everything. The interest is almost XXXX percent and this is higher than the last loan we had that we paid off with them. I cant pay this and because its been auto drafted u til I ended the auto draft last week, we are now facing utilities being turned off. We thought this was every other Friday and this is awful what it has done to us in the last 4 weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I am writing to lodge a formal complaint against SoFi Bank for their misleading deposit policies, failure to communicate significant changes, and refusal to honor initially stated terms. On XX/XX/2024, I made a deposit to my account in the substantial amount of {$7700.00}. Following this deposit, I received assurances both via email and the SoFi banking app that the funds would be available in staggered credits : {$2000.00} on XX/XX/2024, an additional {$3600.00} on XX/XX/2024, and the final balance of {$2100.00} on XX/XX/2024. 

As of XX/XX/2024, none of these funds have been credited to my account. When I reached out to SoFi customer service for an explanation, I was informed there had been a " mistake in the screenshot '' of their prior communications. Contradicting their initial promise, I was now told that only {$500.00} would be made available on XX/XX/2024, with the remainder to follow on XX/XX/2024. This abrupt change in fund availability, communicated to me after the fact, is not just inconvenient but highly deceptive and misleading. 

It is critical to emphasize that {$7700.00} is not an insignificant amount. The sudden and unexplained withholding of such a sum is distressing and poses a significant inconvenience. If SoFi is utilizing undisclosed metrics or policies to justify the denial of rightfully due funds to depositors, it is imperative that these criteria be clearly communicated to customers. Leaving customers in the dark, only to later claim a miscommunication or error, amounts to gaslighting and is utterly unacceptable. 

Upon reviewing first-hand accounts from other customers online, it is apparent that the staggered credit amounts I was initially promised align with SoFi 's typical practices, rather than this sudden and detrimental change. This lack of transparency and failure to adhere to communicated terms is unacceptable and unbecoming of a reputable financial institution. 

I demand the Consumer Financial Protection Bureau to intervene and investigate SoFi Bank 's misleading and inconsistent deposit policies. It is crucial for customers to be treated with fairness, transparency, and respect, especially when it involves the management of their finances. SoFi 's actions in this case reflect a disturbing disregard for these principles.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: PA

Complaint narrative:
The following accounts that are listed below are violating my right to privacy under 15 USC 1681 section 602. 15 USC 1681 section 604 also states that a consumer reporting agency can not furnish an account without my written instruction. Lastly, 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. So in short it is illegal for your company to report late payments and I will take Legal action if the late payments that are reported to these accounts aren't UPDATED to current status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: PA

Complaint narrative:
The following accounts that are listed below are violating my right to privacy under 15 USC 1681 section 602. 15 USC 1681 section 604 also states that a consumer reporting agency can not furnish an account without my written instruction. Lastly, 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. So in short it is illegal for your company to report late payments and I will take Legal action if the late payments that are reported to these accounts aren't UPDATED to current status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2024-03-22 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 believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the paperwork? Several of the accounts listed are inaccurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received an Amex e-gift Card through email from an employer. I used a link to to validate and print the card, which loads on https : //amexrewardcard.com/account and shows a balance. I attempted to use this on XXXX ( using less than the amount on the card ). And the transaction is declined. I then tried various other amounts less than the full face value and was declined again. I attempted to purchase {$100.00} at XXXX XXXX and was also declined. Many people have reported having a problem this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-22 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: PA

Complaint narrative:
Ok I have contacted all my creditors each of them saying there is not late payments on my credit report from them. None of them are reporting late payments. I have tried to call experian but I can't get through. I have written them but nothing happens. This is my second and last complaint before I take legal action against them. I want this fixed. Please remove the late payments that no one is reporting late.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-03-22 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. On XX/XX/2024, I provided adequate notice to the Consumer Reporting Agencies ( XXXX, Equifax and XXXX ) that information in my consumer file such as false names addresses and my non public information needed to be deleted and removed from my consumer report. I only have 1 name 1 address that i receive information. I demand a deletion of all personal identifiable information from my consumer report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX North Carolina Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX These inaccuracies has to stop, you are causing me embarrassment and impeding my right to fairness. DELETE IT NOW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: NH

Complaint narrative:
I visited the XXXX XXXX XXXX in XXXX, FL on XX/XX/2024 and tried to withdraw cash in the amount of {$300.00} from one of their ATMs. However, the ATM never dispensed any cash and displayed the message " card not accepted '', and my checking account was still charged. I contacted XXXX ( XX/XX/2024 ), the ATM vendor, and they advised me to file a Regulation Type E dispute with my bank, Sofi Bank, so that I would get my money refunded by Sofi right away, while Sofi conducted their investigation into the dispute. When I called Sofi Bank ( XX/XX/2024 ), they told me that they were unable to file a Regulation Type E dispute and that they could not refund my money right away. I have followed up with Sofi Bank twice in the last 48 hours for an update and each time they have told me I have to wait 10 business days just to receive an update via email on my dispute status. This has been extremely frustrating, as I have no indication on how long this dispute resolution could take take, and for the fact that my money was wrongfully taken from me. I am extremely dissatisfied with Sofi Bank 's service and would advise people against banking with them if they are considering it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
The vehicle was repossessed from the Finance company then it was sold at auction to a buyer for the value of the vehicle. The repossession took place on XX/XX/2022. The car was then sold to the auction 60-90 days after the repossession. After the car was sold there is a balance of {$15000.00} left on my credit report from XXXX XXXX XXXX of WOFC. It now has been placed on my credit as a charge off as bad debt/Profit and loss write off as a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I notice there is an incorrect data on my credit profile. As such, it is a very serious error in reporting. I reached out to all three credit bureaus XXXX, Experian, and XXXX to dispute erroneous reports provided by XXXX XXXX XXXX. 
XXXX XXXX showed several discrepancies between the three reporting agencies : XXXX reporting balance as {$5300.00}, reporting 120 days past due. Has missing, incomplete and inaccurate data reported monthly. List a {$6900.00} balance for XX/XX/XXXX ledger but has starting balance of {$6900.00}. The high balance history is incorrect XXXX reporting balance as {$5300.00}. Has missing, incomplete and inaccurate data reported monthly. Last updated XX/XX/XXXX Experian has missing, incomplete and inaccurate data reported monthly. Listed as current/ terms met but data provider noted paying partial which is purposefully misleading information. reporting balance as {$5300.00}. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to validate this information. 

This information has greatly impacted my ability to qaulify for other opportunities and I have been denied opportunities. 

Therefore, I need the following information from you : The amount you claim the Principal owes you. 
IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. 
Full accounting ledger. 
All legal documents. 
An explanation showing me how you have computed the amount. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not crossed the statute of limitation ( XXXX ) period. 
Evidence that you are a licensed debt collector. 
An invoice of the products/services ordered. 
Dates of products/services being rendered. 
The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule If you can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information 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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This account with XXXX XXXX  through XXXX XXXX, is to inform all three credit reporting barrels, Equifax, XXXX, and XXXX that XXXX XXXX XXXX XXXX was never late on any of his payments. I accept all delinquencies be deleted immediately off credit report for it is harming my credit profile, this is legal proof that the account is in good standing and has never been late. Please remove all delinquencies effective immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-03-22 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-22 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: Tesla, Inc.
State: IL

Complaint narrative:
We had put a {$250.00} deposit in a Tesla in XXXX  even though being XXXX  residents since we're moving to XXXX. We were ready for our trip there and they called us 1 hour before and told us they couldn't approve financing through Tesla. So we cancelled our order and our flights there to buy the car. 3 hours later they called us telling us they instead ran our credit for 3rd party lenders, after we cancelled which my husband and I never authorized. We had already cancelled the order and never agreed with this. Now my husband XXXX XXXX and I both have hard credit pulls on our account from banks we never heard of or authorized. Tesla in XXXX, XXXX  did this without our consent and after we cancelled the order. We were never notified that they did this until getting alerts from our credit card company that this was ran. I have tried calling them multiple times to confirm they did this and they keep sending me to voicemail and not answering my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: NC

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the accounts listed appear to be incorrect, causing me some unease.

Company response to consumer: Closed with explanation