vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
I opened my first Sofi savings account on XX/XX/year>. At the time, the interest rate they were offering was 4.9 % ( now 4.0 % ), which was not the highest of anyone else, but still good. The additional incentive, and the reason why I went with Sofi, and not a competitor, was the {$300.00} bonus offered for {$5000.00} or more in direct deposits from employers, if received within 25 days. I have both a full-time, W-2 job and a part-time independent contractor job that pay me on a regular basis. By 10/25/24, I exceeded the {$5000.00} in DD 's within 25 days requirement.

But after the 25 days, Sofi only credited me {$50.00}, which is basically the bonus for anyone who meet the requirements for receiving the {$300.00}. I saw this and thought that it must be a mistake, so I contacted Sofi Customer Service. They said that they had created a case and needed two weeks to investigate my issue. Well, two weeks came and went, and there wasn't any follow-up from Sofi to me whatsoever. So I called in, and was told that the investigation had concluded and that I would not be receiving the {$300.00}. The reason given was that my payments from by contracting work looked more like payments than direct deposits (!!? ). Somehow, the payer 's bank had coded them differently from what Sofi wanted.

But I could prove that these were indeed payments for work performed. So Sofi asked me to send in a check stub equivalent, which I then did. The Accounts Manager who was referred to me then said that she would request an exception to their decision, and that I would see a credit " within 1 to 3 business days. '' Well, those days also came and went, also with no follow-up received of any kind from Sofi. So I called in and learned that the appeal was also denied. Sofi continued to insist that the coding they received from the payer 's banker was all that mattered, and that the fact that they were effectively direct deposits for work performed wasn't sufficient.

I then told them that they were a dishonest and terrible company for doing this, and wasting my time and money. I then moved a large chunk of my account to a competitor who is paying a 5 % interest rate. But I've still kept my account at Sofi, and would appreciate some justice and honesty on my behalf, finally, in the form of Sofi making good on the {$300.00} that they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX ) Account # XXXX has violated my rights. 15 US C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my write instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have all these hard credit check, my name and all these addresses or incorrect on some of these credit check. Furthermore, I do not have or was approved for most of these credit checks that is on my report. and would really appreciate these hard inquires to be removed. I have all these addresses listed that I am not aware of. please look into this situation for me please also I will be filing to removed most of these incorrect collections shortly, Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: NY

Complaint narrative:
Subject : Unauthorized Credit Inquiry on XX/XX/year> Dear XXXX XXXX XXXX XXXX, I hope this message finds you well. My name is XXXX XXXX, and I am writing regarding a credit inquiry made by XXXX XXXX XXXX XXXX on my TransUnion credit report dated XX/XX/year>. 

While I acknowledge and am not disputing the inquiry made on XX/XX/year>, I must inform you that the XX/XX/year> inquiry was not made by me. I have been a victim of identity theft, and this fraudulent inquiry was conducted without my knowledge or authorization. 



To support my claim and assist in resolving this matter, I have attached the following documents for your review : 1. Copy of my birth certificate 2. Copy of my Social Security card 3. Copy of my state-issued ID 4. Police report documenting the identity theft incident 5. Copy of a recent bank statement for proof of address I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report. Please let me know if there are any additional steps or documents required to assist in this process. 



Should you need to reach me for further clarification, I can be contacted at XXXX or via email at XXXX. Thank you for your time and attention to this matter. I look forward to your prompt response. 



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
Consumer complaint received 2024-12-14 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: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted. 

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement. 


3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years. 


4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.

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 2024-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have made several attempt to settle this forbearnce agreement entered into during XXXX. US Bank has never given me options to add missed payments on the back, refinance, or modify amortization as was promised at the time they were offering relief from XXXX. 

Since before the expiration of our forbearance, I have been applying, and the only option US Bank gives me is " Short Sale. '' The home has been appraised 3 times for $ XXXX, we own $ XXXX. They are intentionally trying to drive me out of my house and steal my equity. 

I was an employee for 17 years, and I was openly XXXX. XXXX. The management of US Bank has targeted me intentionally because of XXXX leadership at the highest levels of this corrupt and lawless organization. I demand that CFPB do its job and step in front of this situation for a Consumer who is being persecuted via XXXX by US Bancorp. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: GA

Complaint narrative:
To whom it may concern I am allowed under the Hippa law ( Health Insurance Portability and Account of 1996 ) to protect my privacy and medical records from third parties, I did not give permission to any COLLECTION AGENCY XXXX XXXX XXXX for there release of my medical information to a third party. I understand that the HIPA allow for limited information about me but any details may only be revealed by patients consent or authorization. therefore my request is to remove following items, that the agency has failed show proof of verification. 
This a violation of my rights, the credit Bureaus have been required to remove Medical Debt less than a year old 15 U.S CODE 168lb ( a ) ( 2 ) permissible purpose of Consumer Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In XXXX, I saw an ad on XXXX for XXXX and decided to buy a few. The seller told me they accepted XXXX XXXX and XXXX XXXX, so I sent the money in three separate transactions. Unfortunately, the seller never sent the items or responded to me after I paid. 

I went to my local Wells Fargo branch to report the issue, and they told me I should file a claim for the transactions. Following their advice, I filed claims for all three payments, providing the details of what happened. 

A few weeks later, I received an email from Wells Fargo saying my account would be closed due to suspicious activity. When I called to ask why, they said it was because I had made multiple claims and that my account was relatively new ( only five months old ). I explained that all the claims were legitimate and related to the same fraudulent seller, but they told me there was nothing they could do and that my account would close on XX/XX/XXXX. 

I dont think this is fair. I followed their advice and acted responsibly to report fraud, but now Im being penalized for it. I have proof that the transactions were all with the same seller and would appreciate it if Wells Fargo would reconsider their decision.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a formal complaint against TransUnion for their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Federal Trade Commissions ( FTC ) guidance regarding the handling of fraudulent and unauthorized accounts. 

Despite submitting an identity theft report, a copy of my state-issued ID, and other supporting documentation, TransUnion continues to report a fraudulent and unauthorized account on my credit file instead of removing or blocking it, as required by law. I have repeatedly requested documentation showing how TransUnion verified the legitimacy of the account, including a copy of the original credit application with my signature, the address associated with the account at the time it was opened, and the identity of the representative from XXXXXXXX XXXX with whom TransUnion confirmed the account. TransUnion has failed to provide this information. 

Instead, I have been sent multiple identical letterssometimes up to five in a single daystating the account has been verified. These generic responses do not address my concerns or provide any proof of verification as mandated by the FCRA. This demonstrates a clear disregard for the proper procedures required when handling disputed fraudulent accounts and a failure to protect consumers from the impact of identity theft. 

I respectfully request the CFPB investigate TransUnions handling of this matter and take appropriate action to ensure compliance with federal regulations.

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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because Credit Collection Services , Inc., XXXX, XXXX, XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. Credit Collection Services XXXX Inc., is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, Consumer, severe financial distress, causing him to be unable to extend credit. This account need to deleted and permanently removed from the XXXX and XXXX credit file of XXXX XXXX, Consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There are multiple inquiries on my credit reports within days of one another that I did not authorize nor do I recognize. 

JPMBC Auto XX/XX/year>, XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: PA

Complaint narrative:
I am XXXX XXXX. Trans Union, XXXX, and XXXX is reporting inaccurate personal information on my credit report. There are names and addresses that no longer relate to me. My only name and address is XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. All other names and addresses must be deleted from my credit report and file because it causes confusion to persons viewing my credit report for the purposes of obtaining new credit. I have attached my Driver 's License as proof which shows my correct name and address.

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 2024-12-14 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: FL

Complaint narrative:
Hello, My name is XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX which is in XXXX XXXX XXXX . I am writing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX, Transunion, XXXX, XXXX XXXX XXXX XXXX XXXX any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, and nonaffiliated third parties, have violated many Consumer Protection and Racketeering and Privacy Laws. XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This account needs to be deleted and permanently removed from the Transunion and XXXX credit file of XXXX XXXX, Consumer.

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 2024-12-14 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: FC HoldCo LLC
State: TX

Complaint narrative:
There are multiple inquires on my credit reports that occurred on the same day or within days of each other that I did not authorize, nor do I have active accounts with that I would like removed from my credit profile. 

Flagship Credit XXXX XXXXXX/XX/year>

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 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX and XXXX I've delivered payment to chase bank for the offset of the principal balance to be applied to the principal account. Chase bank is unlawfully converting credits and not applying then to the account so the account can be in good standing. I've delivered twice and chase bank has now breached the trust relationship, I've tendered in good faith and clean hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-14 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: FL

Complaint narrative:
I am writing to formally submit a statement regarding my dispute with TransUnion related to the removal of inaccurate or outdated information from my credit report, as requested pursuant to 12 C.F.R. 1022.142. Despite submitting all necessary documentation and making multiple attempts to resolve this issue directly with TransUnion, they have failed to meet the required timelines for resolving this dispute. 

Here are the relevant details regarding this matter : Dispute Submission Date : XX/XX/year> Certified Mail Receipt by TransUnion : XX/XX/year> Direct Contact with TransUnion : I have personally reached out to TransUnion on the following dates in an attempt to resolve the issue : XX/XX/year> XX/XX/year> XX/XX/year> Despite my efforts, TransUnion has not taken the necessary steps to remove the disputed information from my credit report or provide any valid explanation for the delay or failure to act within the required timeframe. 

In accordance with 12 C.F.R. 1022.142, I expect TransUnion to complete their investigation and correct the inaccuracies on my credit report within the statutory timeframe, which has already elapsed. The delay and lack of response have caused significant frustration and inconvenience, and I am seeking assistance from the CFPB to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

Please find the attached documentation that was submitted to TransUnion I respectfully request that the CFPB intervene and take appropriate action to ensure that TransUnion complies with the regulations and removes the incorrect information from my credit report. I appreciate your timely attention to this matter and look forward to a prompt resolution. 

Thank you for your assistance.

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 2024-12-14 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: PA

Complaint narrative:
I am XXXX XXXX. XXXX XXXX, XXXX, and Equifax is reporting inaccurate personal information on my credit report. There are names and addresses that no longer relate to me. My only name and address is XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All other names and addresses must be deleted from my credit report and file because it causes confusion to persons viewing my credit report for the purposes of obtaining new credit. I have attached my Driver 's License as proof which shows my correct name and address.

Company response to consumer: Closed with non-monetary relief