vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
I received a wire yesterday for XXXX from inspired title company and I previously called in to make sure that I could receive wires to this account and they said yes that will be fine that there is no limit & that's it's normal since SoFi is a financial bank based around investing in stocks and having a higher interest rate for checking and savings, it seemed like the right bank do business with. Shortly after I recieved the funds I attempted to transfer XXXX to a different account that's connected to my SoFi account to pay off a loan, get food and get gas to evacuate the area here in LA and they reversed it and then restricted my account so I can't send, recieve or even just use my debit card at all. I've been sleeping in my car not eating or drinking water because of this and I have no access to my money that is CLEARLY a valid deposit with a clear paper trail of where it came from. I can't access any of my money to get food, gas, or even a place to stay while I'm stuck here in an area that has smoke everywhere and houses are burning down. This is really messed up and I can't believe SoFi put me in this situation when everything is so clear and legitimate ....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
This complaint is in reference to Wakefield & Associates. Accrding to President Biden and in accordance with CFPB, medical debt can no longer be apart of credit file. Please remove this collection FROM MY CREDIT FILES IMMIDEATLEY!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank recently started charging a monthly {$1.00} paper statement fee. My JCPenney account is only used to carry a life insurance/accident recurring charge I have on the account. The amount doesn't change so I didn't realize Synchrony started charging the extra {$1.00} per month back in XX/XX/year>. I received a late charge on my account for 2 months since this {$1.00} started showing up but I didn't know, because I pay the same amount every month through my normal checking account. I called Synchrony and they did waive XXXX late charge and only 3 months of the {$1.00} paper statement fee as long as I signed up for paperless statements. I also requested that they correct the negative credit reporting on the account. 

I don't want to have paperless statements with Synchrony Bank. I have a recurring charge that is normally the same amount every month. I don't want to have to create an online account at another website to receive paperless statements. I don't think the {$1.00} paper statement fee should be allowed. Half of the cost of mailing the monthly statement to me includes all the junk advertising included with the statement that I've never asked for. I believe this charge should be removed from customers responsibility and is an excessive fee.

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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
15 use 1666b, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo late payments 15 use 1681a XXXX  this address needs to remove this not my address XXXX XXXX XXXX XXXX XXXX ga XXXX these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-01-10 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:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I tried to work out a payment arrangement with Kohls today. They predatorily raised my credit limit without me asking. I need to close the account because I cant afford the payments any more because I am now XXXX. They refused to help aside from removing one late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: MA

Complaint narrative:
Here we go with the typical bank runaround and games. I activated an offer that appeared in my account in early XXXX for {$10.00} XXXX when I spent {$75.00} at Supermarkets. I have since spent well over that amount. When I called to inquire about the XXXX I am told by the rep that he doesn't show that I activated the offer. I DID. Of course, in their typical game playing way, the offer disappeared from my account after I activated it and there is no record of it showing in my account. This is the game they play hoping we will forget about it and they can claim ignorance. The rep told me I could activate the offer XXXX of XXXX ways. The first way was on their Offer page, but, of course, the offer code he gave me says it's invalid. He also gave me a phone number to call to activate it. When I call this number, it tells me the offer is expired. These are the games this bank chooses to play. XXXX, pathetic and DISGUSTING

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
I have reached out to National Credit Systems, XXXX and XXXX in regards to this collections throughout the years and I feel that none of them truly investigated this account and my concerns. I have provided them with the my original police report, FTC report, my identity documents and my claim that this is not my account. After questioning the legality of this account by requesting bill of sale with my signature and the validation of this debt. XXXX provided me with a letter dated XX/XX/year> that doe not bear my signature and the name that is listed on the contract is XXXX XXXX XXXX. The signature detail page contains a name XXXX XXXX XXXX. Please note that I do not have a middle name and I never signed this document. The statute of limitations is 3-5 years to collect this debt in the state of Oklahoma. I feel as this debt has been on my credit profile without merit for many years and I am asking the CFPB to assist me reclaiming my identity. I am asking for monetary damages from all companies that participated in defaming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including 25 critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

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 2025-01-10 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: HI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I kindly ask for your help to investigate accounts from companies incorrectly reporting late payments. When I was laid off, I requested that these payments be forgiven, and they agreed, but they are still listed as late. I have contacted them multiple times without receiving any updates, so I am reaching out to you as a last resort.

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 2025-01-10 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: FL

Complaint narrative:
I was a victim of identity theft. There is inquiry on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is 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 2025-01-10 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 have no knowledge of these inquiries, and they seem unauthorized and potentially fraudulent. Kindly take swift action to address this matter. Relevant documents are attached for reference.

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 2025-01-10 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: MD

Complaint narrative:
I have no knowledge of these inquiries, and they seem unauthorized and potentially fraudulent. Kindly take swift action to address this matter. Relevant documents are attached for reference.

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 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am requesting for this inquiry. I did not authorize this company to run my credit. I'm not liable for this debt with Midland credit management. I demand this be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX  Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2025-01-10 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: Kriya Capital, LLC
State: VA

Complaint narrative:
This company was removed from all 3 of my reports due to fraudulent information and data breach at XXXX that released sensitive information. I've already filed multiple claims with XXXX due to the breach. However, this has returned back on my report recently after it has already been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX **To : ** Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : ** Identity Theft Request for Fraudulent Items Removal Dear Experian, XXXX, and XXXX, I am writing to formally dispute inaccurate information on my credit report resulting from identity theft. I have recently discovered that unauthorized accounts and/or inquiries have been reported under my name and Social Security number. These accounts were fraudulently opened without my knowledge or consent. Under the **Fair Credit Reporting Act ( FCRA ) ** and the **Fair and Accurate Credit Transactions Act ( FACTA ) **, I request the following : 1. **Immediate Removal of Fraudulent Items : ** - Remove all accounts and inquiries identified as fraudulent from my credit report. - Ensure these accounts do not reappear on my credit report unless validated by me. 2. **Fraud Alert Placement : ** - Place an extended fraud alert on my credit file for seven years to protect against future fraudulent activity. 3. **Verification of Disputed Items : ** - Provide documentation used to verify the accuracy of the disputed accounts, including the application or transaction details. I have enclosed the following documentation to support my dispute : - A copy of my government-issued ID ( e.g., drivers license ) - Proof of address ( e.g., utility bill ) - A copy of my police report or Identity Theft Report filed with the FTC - A detailed list of the fraudulent accounts and inquiries Please conduct a thorough investigation into this matter and respond within 30 days, as required by law. Additionally, I request written confirmation once the fraudulent items have been removed and my credit file updated. THE ACCCOUNTS ARE LISTED BELOW XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquires XX/XX/XXXX XXXXXXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian

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