vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I have been trying to link a bank account to my American Express savings account for about XXXX weeks now and I have been receiving the same error message saying " American Express is experiencing temporary difficulties and we are unable to complete your request at the moment. '' I tried to link a bank account to my savings account with American Express on XXXX and XXXXXXXX XXXX browsers, I tried it on XXXX different devices and also cleared my cache on both devices but I am still experiencing this issue. This is preventing me from linking a bank and utilizing the services American Express told me I can use with this high yield savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All of my personal information was stolen out of my car, I immediately filed a police report and an Identity theft report with the Federal Trade Commission. When I looked at my Transunion credit report I noticed that I had over 43 hard inquiries to places I never applied to. I filed a dispute with TransUnion and submitted the Identity theft report filed with the FTC as well as the police report. Transunion refused to remove the hard inquiries and sent me an email saying that my ID theft reports were not filed with a government agency, basically saying they were fake and refused to remove them.I have been able to get them removed from my XXXX  and XXXX credit report. Transunion continues to give me problems and accuse my documents of being fake. When I called Transunion to dispute those inquiries they told me that Hard Inquiries could not be disputed and were a factual record, even though I had the documents for my identity theft.

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 2024-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
My Discover card was used for unauthorized online purchases at XXXX and XXXX. The total amount may be calculated from the attached statements. I can't list all the charges and dates due to lack of provided space in this report, as some of transactions were repeated by the Discover card Customer Protection Services, as they gave me temporary credits and charged me back more than once for the same transactions. The attached statement indicate charges from XX/XX/2023 in XXXX online store for {$530.00} ending in XX/XX/2023 security adjustment for {$2200.00}, which was originally posted on XX/XX/203 on XXXX online store. The total amount of XXXX online charges were {$13000.00}, which included multiple disputes and reversals by Discover Customer Protection Services. XXXX online charges started on XX/XX/2023 with the amount of {$680.00} and ended on XX/XX/2023 with the amount of {$3300.00}. For some reason, Discover Customer Protection Services charged me additionally for the unauthorized online purchases delivered to unknown address to unknown person named " XXXX '', which is neither of my first, middle, or last name. The total amount of unauthorized charges, disputes, reversals, and adjustments related to XXXX online purchases was {$43000.00}. All details about unauthorized charges, temporary credits, reversals, and adjustments are listed in my attached Discover statements, and Discover card Customer Protection Services gaslighted and blamed me for being a victim of unauthorized online purchases delivered to unknown people by also making me liable for all fraudulent activity with my Discover credit card. Those unauthorized transactions drained my savings account linked to my Discover card for Auto-Pay. They also blamed me that my previously submitted police report # XXXX indicated " Identity theft '' instead of " Fraud '', which was not an option for submitting such a report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Explanation of Events : Complainant : XXXX XXXX. 
Institution : SoFi Bank Date of Initial Dispute : XX/XX/2024 CFPB Complaint Filing Date : XX/XX/2024 I am filing this formal complaint against SoFi Bank for misappropriating my funds and the subsequent negligence in handling my dispute regarding a fraudulent charge. Below is a chronological account of the events that transpired : XX/XX/2024 : I noticed a fraudulent charge on my account from XXXX XXXXXXXX XXXX  amounting to {$2600.00}. This charge was unauthorized. 

XX/XX/2024 : I filed a dispute with SoFi Bank regarding the fraudulent transaction. I followed up with a phone call on XX/XX/2024, to confirm the dispute was recorded and to check its status. 

XX/XX/2024 : I engaged in an online chat with SoFi Support to ask about the status of my dispute and expressed my urgent need to return my funds, which SoFi Bank had failed to credit back to my account. 

XX/XX/2024 : I contacted SoFi Bank again and was promised a transfer to the " Member Experience Team. '' After an extended wait, I was connected to an individual named XXXX, who informed me that SoFi Bank would not be returning my funds despite acknowledging the fraudulent nature of the charge and the lack of acknowledgment from XXXX XXXX XXXX I was advised to initiate an appeal process, which I instructed XXXX to commence. 

XX/XX/2024 : Following up with XXXX from SoFi Customer Support via online chat, I was informed that XXXX had not initiated the appeal as promised. XXXX then submitted an appeal on my behalf and provided me with ticket number XXXX. She also confirmed that there was no accounting for the missing funds. 

Due to SoFi Bank 's negligence, I have suffered significant financial harm. Numerous charges that were set on autopay have bounced, causing me undue financial stress and damage to my creditworthiness. The inconsistent information and lack of transparent communication from SoFi Bank have exacerbated the situation. 

I demand immediate restitution of the {$2600.00} fraudulently charged to my account. SoFi Bank 's failure to act promptly and responsibly has violated my trust and contravened the customer service and financial integrity standards expected of a banking institution. 

I am seeking the Consumer Financial Protection Bureau 's intervention to ensure that my funds are returned and SoFi Bank is held accountable for its actions. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-02 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: Williams, Rush & Associates, LLC
State: GA

Complaint narrative:
There is a collections company by the name of Williams rush and Associates who has been calling me for the last two years regarding a debt for a school named XXXX XXXX XXXX XXXX. Stating that I owe them Money for XXXX. Which that is incorrect. I have no knowledge of this and I asked the collections agency to provide documents to show proof this is my account and I have yet to receive it. They are XXXX  my credit report by making derogatory remarks and its effectively damaging my credit. They have been harassing me for the last two years saying they are going to garnish my wages and suspend my license if I dont pay. I have spoken to the school and still nobody can give me an answer but yet its on my credit. I have fraud alert on my credit for years because I am a victim of identify theft. I just need this to be resolved quickly because this is hurting me and my credit and its been very hard for me to try and get a house with this on my report and especially when I have No proof this belongs to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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:
Late Payment XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I am writing to dispute the following inaccurate information that appears on my credit report. Under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. Additionally, if an open-end consumer credit plan provides a grace period during which the obligor may repay any portion of the credit extended without incurring an additional finance charge, such a charge may not be imposed unless a statement including the amount upon which the finance charge is based was mailed or delivered to the consumer not later than 21 days before the date specified for payment. In accordance with 15 U.S.C. 1666b, I request that the credit bureau conduct a thorough investigation of these items and correct or remove the inaccurate information from my credit report. You can also check below attachment that i am paying on time.

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 2024-06-02 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: TN

Complaint narrative:
I am writing to inform you that I recently discovered that my credit report contains information that has been adversely affecting my creditworthiness which prevents of successful completing my education and other things. I want to inform you no one helped me put my credit file together, and therefore, please stop trying to hold up my request for you to delete and block information on my file. According to the 15 U.S.C 1681 Law there should be no damages on my report, considered that as a defamation to my character. As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section 605c of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. I would also like to request a copy of my updated credit report after the information has been removed or blocked. I understand that you have 4 days to do this according to 605c, and I kindly request that you provide a written response outlining your findings and actions taken. Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: TN

Complaint narrative:
I am writing to inform you that I recently discovered that my credit report contains information that has been adversely affecting my creditworthiness which prevents of successful completing my education and other things. I want to inform you no one helped me put my credit file together, and therefore, please stop trying to hold up my request for you to delete and block information on my file. According to the 15 U.S.C 1681 Law there should be no damages on my report, considered that as a defamation to my character. As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section 605c of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. I would also like to request a copy of my updated credit report after the information has been removed or blocked. I understand that you have 4 days to do this according to 605c, and I kindly request that you provide a written response outlining your findings and actions taken. Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax stated it has completed it's investigation and contacted the furnisher for the unauthorized inquires on my credit and accurate! these aren't soft inquires they are hard inquires which caused damage to my credit report losing points! This goes to show you not only they didn't look into the matter but lied in the process of their so called investigation. Pursuant under 15 U.S. Code 1681b - Permissible purposes of consumer reports/15 U.S. Code 1681a- Compliance procedures/15 U.S. Code 1681g - Disclosures to consumers/15 U.S. Code 1681o - liability for negligent noncompliance. I can keep going on and on about my Consumer Rights! Equifax didn't reach to any of these Furnishers but I did and they don't have any record of me applying for credit! So how in the XXXX is this verified? Remove these Hard Inquires XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax already been breached and still my information is floating out there and this is the XXXX I'm told it's been verified. Equifax is stating they verified fraudulent information without doing their own independent investigation. I've submitted a FTC and I'm told their finding is accurate XXXX! if this continues I will push to legal matters and that's that! Equifax you not above the Consumer Law bottom line!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681 has violated my rights XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  : # XXXX. 

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

15 U.S.C 1681 section 604A 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 ) sections states. No consumer reporting agency may make any consumer containing any of the following items 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: CA

Complaint narrative:
Late Payment XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I am writing to dispute the following inaccurate information that appears on my credit report. Under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. Additionally, if an open-end consumer credit plan provides a grace period during which the obligor may repay any portion of the credit extended without incurring an additional finance charge, such a charge may not be imposed unless a statement including the amount upon which the finance charge is based was mailed or delivered to the consumer not later than 21 days before the date specified for payment. In accordance with 15 U.S.C. 1666b, I request that the credit bureau conduct a thorough investigation of these items and correct or remove the inaccurate information from my credit report. You can also check below attachment that i am paying on time.

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 2024-06-02 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:
Late Payment XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I am writing to dispute the following inaccurate information that appears on my credit report. Under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. Additionally, if an open-end consumer credit plan provides a grace period during which the obligor may repay any portion of the credit extended without incurring an additional finance charge, such a charge may not be imposed unless a statement including the amount upon which the finance charge is based was mailed or delivered to the consumer not later than 21 days before the date specified for payment. In accordance with 15 U.S.C. 1666b, I request that the credit bureau conduct a thorough investigation of these items and correct or remove the inaccurate information from my credit report. You can also check below attachment that i am paying on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I noticed credence resource is attempting to collect an alleged debt. I hereby dispute the validity of the alleged debt. I also request verification of the alleged debt, specifically a copy of the original purchase agreement. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: NY

Complaint narrative:
I had a bunch of errors on my credit report I even tried to settle it to be deleted and it still appears on 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 explanation