vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am retired and the only income I receive is from my daughters or other family members. They opened me a Sofi account so they can XXXX me the money. The account was opened and on average the balance is less than {$200.00}. My on XXXX, my daughter XXXX XXXX me {$1000.00} for medical exams and the XXXX was rejected and my account restricted. No withdraws, deposits available. there was a message to call a sofi # and I did. They didnt know the status or reason. I have called 4 times now and no resolution. Im a poor persona and I have {$230.00} in my account. I only want to withdraw the money and close the account since the bank doesnt even give me a reason or resolution. I did some research online and this is a common practice from this bank. This should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am resubmitting a formal complaint to NATIONSTAR/MR COOPER regarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XX/XX/year>, and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data. 
If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am following up complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the customers, financial protection act ( CFPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Following the resolution of an issue previously addressed with the Consumer Financial Protection Bureau ( CFPB ), an error that initially appeared on my XXXX credit report was corrected. The corresponding report numbers are XXXX and XXXX. Subsequently, this error began appearing on my TransUnion credit report, starting XX/XX/XXXX, incorrectly stating that the account was charged off. This ongoing issue is highly frustrating. 

Pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ), all inaccurate or incomplete information must be rectified. Accordingly, I filed a dispute with TransUnion on XX/XX/XXXX. However, as of today, XX/XX/XXXX, this dispute has regrettably been denied, which constitutes a clear violation of the FCRA. I have reattached both the statement files and an image of their denial notice for your review. 

Furthermore, on XX/XX/XXXX, I requested my XXXX account statements from my XXXX XXXX XXXX account, which I failed to receive. I made a subsequent request on XX/XX/XXXX, yet as of today, XX/XX/XXXX, I still have not received the requested statements. 

Lastly, the language used by XXXX XXXX in their reporting is ambiguous and misleading. The phrase " Consumer disputes after resolution '' has been reported across credit bureaus and does not accurately reflect the ongoing misreporting of 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 non-monetary relief
Consumer complaint received 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XXXX, XXXX the following companies were provided w/a " Manual Remittance Payment '', from the IRS, on behalf of the Affiant, XXXX XXXX XXXX XXXX XXXX pay in full, the credit card account ( XXXX ) with said company ( ies ). These companies are : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX payments were either : A. Received, but not credited to the account, or B. Received, not documented, and not credited to the account, or C. Received, not documented, not disclosed as received, and not credited to the account, etc., etc.

Since having received whatever documentation and payment from the IRS that was authorized and requested by me, the companies involved proceeded to pursue collection action ( s ) against me, and have fraudulently and falsely reported the so-called " unpaid '' balance ( s ), as " debt '' that I still owe.

These companies have failed to properly " discharge '' the alleged " debt '' due to their refusal, and/or inexperience or education " accepting '' a properly tendered payment, and have continued to be in dishonor.

These companies refuse to provide proper documentation based upon GAAP, and simply provide copies of statements ( not bills ) as " proof '' of an alleged " debt ''. They have falsely reported the said accounts as " unpaid ''.

Finally, these said companies, by providing false and misleading information to the CRA 's, have severely damaged my credit, which prior to XX/XX/year>, was in the XXXX range, and, have not properly disclosed, as per agreement, whether ALL payments and/or credits to the accounts in question, were either credited, or returned as " undocumented '', " un-accounted for '', or simply " lost ''. 

I am therefore, requesting a re-investigation of this matter in its entirety, so that Justice may prevail. For the record, I have all documentation related to the requesting of, and mailling to the relevant IRS offices, of said " Manual Remittance Payment '' requests to support the foregoing 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 non-monetary relief
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
In XXXXXXXX XXXX, the following companies were provided w/a " Manual Remittance Payment '', from the IRS, on behalf of the Affiant, XXXX XXXX XXXX XXXX to pay in full, the credit card account ( XXXX ) with said company ( ies ). These companies are : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX payments were either : A. Received, but not credited to the account, or B. Received, not documented, and not credited to the account, or C. Received, not documented, not disclosed as received, and not credited to the account, etc., etc.

Since having received whatever documentation and payment from the IRS that was authorized and requested by me, the companies involved proceeded to pursue collection action ( s ) against me, and have fraudulently and falsely reported the so-called " unpaid '' balance ( s ), as " debt '' that I still owe.

These companies have failed to properly " discharge '' the alleged " debt '' due to their refusal, and/or inexperience or education " accepting '' a properly tendered payment, and have continued to be in dishonor. 

These companies refuse to provide proper documentation based upon GAAP, and simply provide copies of statements ( not bills ) as " proof '' of an alleged " debt ''. They have falsely reported the said accounts as " unpaid ''. 

Finally, these said companies, by providing false and misleading information to the CRA 's, have severely damaged my credit, which prior to XX/XX/year>, was in the XXXX range, and, have not properly disclosed, as per agreement, whether ALL payments and/or credits to the accounts in question, were either credited, or returned as " undocumented '', " un-accounted for '', or simply " lost ''. 

I am therefore, requesting a re-investigation of this matter in its entirety, so that Justice may prevail. For the record, I have all documentation related to the requesting of, and mailling to the relevant IRS offices, of said " Manual Remittance Payment '' requests to support the foregoing information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX Credit Reporting Agency Jefferson Capital XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Dispute of Collection Account Account Number : XXXX Creditor : Jefferson Capital System Dear Jefferson Capital System, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry.

After reviewing my records, I found no written agreement or signed contract with Jefferson Capital System authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be 100 % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that Jefferson Capital System provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law.

This inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the 30-day period, as required by law.

Should the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I recently opened a high yield savings account at the start of this year, XX/XX/year>, with Barclays XXXX XXXX a Barclays XXXX XXXX account, with over {$50000.00} deposited into the account. I initially funded the account by transferring money via XXXX from another account with XXXX Access. Two weeks later, I attempted to set up the ability to make transfers with a second bank in my Barclays account, this time with an account I hold with XXXX XXXX XXXXXXXX, as this is my main hub bank. It required the same method of verification that setting up the initial deposit with XXXX Access did : two small transfers to the account in XXXX 's name, which I would then be required to verify the amount with Barclays. Today, XX/XX/year>, I noticed in my XXXX XXXX  XXXX notifications that the deposits had posted, so I attempted to log in to my Barclays account, only to be greeted with a message informing me that " your account is currently restricted '' and to call their customer service phone number for assistance. When I called, their representative verified my information, but told me they needed further verification that I was the owner of the accounts I had set up for transfers or order to regain access to my money, and that it would take at least 10 business days to get my money back. If there was any doubt that the accounts I attempted ( and already used to fund my Barclays account ) to set up for transfer weren't truly mine, why would they initiate the test deposits via ACH in the first place???

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 2025-01-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : 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 I believe these accounts XXXX have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
My name is XXXX XXXX XXXX, I am writing to express my concerns regarding the investigation practices of the XXXX major credit bureaus : XXXX, TransUnion, and XXXX. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Please remove these items immediately. This is not a third party filing this.

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 2025-01-22 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:
My name is XXXX XXXX XXXX, I am writing to express my concerns regarding the investigation practices of the XXXX major credit bureaus : XXXX, XXXX, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Please remove these items immediately. This is not a third party filing this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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:
Hey my name is XXXX XXXX and I have been trying to get a loan with my credit union but everytime I attempt too they tell me my credit file is bringing up my XXXX brothers credit. His name is XXXX XXXX and were XXXX. I have been trying to get this resolved for a long time. I want to be able to have my own credit file pulled up with my name not my twin brothers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against cash app ( block.ink ) due to the inadequate customer service and unfair practices which violated the customer Financial protection act ( cfpa ) specifically Cash Out failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements Under the Electric fraud transfer Act in parentheses e f t a and regulation tradition E these actions have caused specific inconveniences and financial losses and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle handling of of disputes particularly in the recent highlighting the issues of the Zelle platform. Dispute using Zelle plenty of times and reporting the issues Zelle and my financial institution failed to investigate my claims adequately and thoroughly. Through the CFPB findings this has left me vulnerable for scams to repeat offenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 2025-01-22 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information that has been reported on my credit file. This issue is causing significant financial and personal hardship, and despite my attempts to resolve the matter directly with the creditors and the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Regular Inquiries and Account Review Inquiries. I have no idea who ran my credit and have no idea where all these inquiries came from. Im a victim of fraud and did not do all these inquires.

Company response to consumer: Closed with non-monetary relief