vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
My account was locked by SOFI. After a month-long investigation, they claimed that the check I deposited violated their policies and decided to close my account. The check was successfully deposited and did not bounce, and SOFI has already contacted the check issuer to confirm that it is genuine. The funds are currently in my account, but when I requested a refund of the account balance, they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: VA

Complaint narrative:
I inquired of the XXXX XXXX XXXX if they provided the XXXX credit reporting agencies my financial information without my consent. They state they have not provided the information. I sent a letter to Equifax, XXXX, XXXX and XXXX XXXX. They all stated they validated the debt and the information remained on my report. I received a letter from the XXXX they had not validated any such information. This is incorrect reporting without my consent nor the Courts consent. This violates 15 USC 1681 ( b ). 
None of the companies have sent me any documentation of validations or consent from the originating party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: CA

Complaint narrative:
It is almost impossible to get a hold of customer service to follow up on any questions regarding escrow account either by phone calls, letters and or emails. Their customer service phone help can not and/or does not know how to answer escrow questions and when they claim to transfer your call to another dept the calls get disconnected or falls into same help desk with no knowledge of escrow. I have sent numerous emails, faxes and letters asking for follow ups and then again at no vail. They do not have ANY assistance for borrowers to understand their escrow account and get answers and if you don't pay what states on the mortgage coupon even if you believe the charges not to be corrected, you will get a mortgage late payment against your credit which is not a desirable situation therefore as a borrower you feel helpless and you pay even though you may be overpaying because you can't get answers and explanations to what you are paying. There is a new charge for a XXXX  XXXX on my mortgage statement which is a new fee but my home is a detached single story home and not a XXXX  and I can't get answers. My escrow account keeps going up month after month and I can't get any answers or explanations because I can't reach anyone in their company to help for months!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
I have been repeatedly trying to get my autopay setup for my online account. I have contacted the company by phone and by chat message and continue to be led in circles. They first claimed there was an error with my account, then that they needed additional documents. However when I try to send the requested documents that they have previously already been provided at closing, their messaging system provides an " unknown error and to try again later ''. This continues and will not let me send the documents in. 

I have attached the closing document package to this complaint, containing the " required '' XXXX that they say they don't yet have - though was signed at closing - in order for me to access my full online account and get my autopay set up. The XXXX can be found on pages XXXX and XXXX of the PDF.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: VA

Complaint narrative:
I have requested 3 times to have the XXXXXXXX XXXX removed from my credit report for {$2000.00}. I had not had provided any written notice that I would agree to have any of my financial information shared with a 3rd party. I was not provided any opt out choices. This violates 15 USC 6802 ( B ) ( 1 ) ( A ) AND ( B ) and ( C ).

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 2024-09-29 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: VA

Complaint narrative:
I have requested 3 times to have the XXXX XXXX removed from my credit report for {$2000.00}. I had not had provided any written notice that I would agree to have any of my financial information shared with a 3rd party. I was not provided any opt out choices. This violates 15 USC 6802 ( B ) ( 1 ) ( A ) AND ( B ) and ( C ).

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 2024-09-29 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting 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 2024-09-29 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 
Please delete the following accounts XXXX ( XXXX ) XXXX  ( XXXX ) XXXX  ( XXXX ) XXXX  ( XXXX ) XXXX XXXX  ( XXXX ) XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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:
Incorrect information on all 3 credit bureaus. Its showing XXXXXXXX XXXX twice on Equifax. Please remove the car loans immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: FL

Complaint narrative:
Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX XXXX XXXX in Account Number : [ XXXX ] Date of Charge Off : XXXX Amount : [ XXXX ] I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law.

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 2024-09-29 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report. Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year> 2024

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 2024-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I tried to deposit money at the Bethpage FCU Drive Through ATM in XXXXXXXX XXXX at XXXX XXXX XXXX. I entered about XXXX dollars into the ATM in different denominations of bills income {$100.00}, {$50.00}, and {$20.00} bills. I did not enter more than the maximum allowed number of bills ( XXXX ) and they were all straight and flat undamaged bills. The machine froze for several minutes, and eventually spit out a receipt with a transaction error. This ATM is experiencing technical problems and unable to return one or more deposit items. We apologize for the inconvenience. 

I have now lost all of that cash, and am fearful that the bank will not compensate me. They do not have any hotline for this sort of error and I have left messages with the ATM company to no avail.

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 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I initially purchased a double recliner sofa from the merchant XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX for {$4000.00}. I was offered by the merchant XXXX XXXX to finance this purchase by applying for a Synchrony credit card, which I opted to do. A new Synchrony credit card was opened under my name and I authorize the {$4000.00} charge on my newly created Synchrony credit card account. 

I returned to the merchant XXXXXXXX XXXX to purchase a twin mattress and day bed for {$1100.00} on XX/XX/XXXX. I did NOT use my synchrony credit card for this purchase and used my XXXX XXXX credit card to finance this purchase of {$1100.00}. 

I had a dispute with the merchant and reached out to XXXX XXXX to settle the dispute. I believed the matter to be resolved and closed. 

On XX/XX/XXXX, I received a transaction amount of {$1100.00} on my synchrony credit card. I never authorized synchrony to charge this amount to my Synchrony credit card. I called Synchrony on XX/XX/XXXX to inform them I never authorized the merchant XXXXXXXX XXXX  to charge this purchase to my Synchrony credit card account. Synchrony informed me that they opened up a dispute claim and that I would be inform in 60 days regarding the dispute claim. 

On XX/XX/XXXX, Synchrony emailed me to state that they declined the dispute, siding with the merchant XXXX furniture and stated that I would be responsible for the disputed charges. I called Synchrony on XX/XX/XXXX twice and I tried to ask them how could Synchrony charge me for a purchase I did not explicitly authorize. I reminded Synchrony that the merchant had charged me {$1100.00} on XX/XX/XXXX for the purchase and I never used my synchrony credit card on XX/XX/XXXX for the {$1100.00} transaction. And I mentioned that it did not seem legal that synchrony charged me on XX/XX/XXXX for the {$1100.00} transaction, which was nearly two months after my original purchase date. Synchrony representatives stated that they can no longer assist me with this dispute since it was marked closed and I would be responsible for this charge.

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 2024-09-29 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: PA

Complaint narrative:
15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.

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 2024-09-29 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: Rent Recovery Solutions
State: TX

Complaint narrative:
RENT RECOVERY SOLUTIONS have violated my rights by Reporting this debt to my consumer report. 
According to USC 1692c ( c ) The law clearly states : IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT THE CONSUMER REFUSES TO PAY A DEBT, THE DEBT COLLECT MUST CEASE ALL COMMUNICATION. 
By reporting this debt to my credit report is a form of communication. Please CEASE all COMMUNICATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ga XXXX XXXX XXXX XXXX Dispute of Incorrect Charge-Offs on Credit Report Dear Sir/Madam, I am writing to formally dispute the accuracy of several charge-offs appearing on my credit report. These charge-offs, which I have listed below, should not be reflected as outstanding debts, as they were considered income under the IRS guidelines and reported on a 1099-C form : XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXXXXXX {$3700.00} XXXX XXXX {$3900.00} XXXX XXXX {$6000.00XXXX XXXX XXXX XXXXXXXX {$22000.00} XXXX XXXXXXXX {$5000.00} XXXX XXXX {$3000.00} XXXX XXXX {$3900.00} The creditors have already reported these amounts as canceled debt on IRS Form 1099-C, which I included as income on my federal tax return for 2023. As such, these debts have been legally discharged, and the amounts should not be listed as outstanding or derogatory entries on my credit report. 

I respectfully request that these charge-offs be removed from my credit report immediately, as they are inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my claim and remove any incorrect information. 

Please notify me of the results of your investigation in writing. If these entries are not corrected, I am prepared to escalate this matter and may consider further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Thank you for your time and prompt attention to this matter. I look forward to receiving confirmation that these errors have been corrected. 

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ga XXXX XXXX XXXX XXXX Dispute of Incorrect Charge-Offs on Credit Report Dear Sir/Madam, I am writing to formally dispute the accuracy of several charge-offs appearing on my credit report. These charge-offs, which I have listed below, should not be reflected as outstanding debts, as they were considered income under the IRS guidelines and reported on a 1099-C form 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 The creditors have already reported these amounts as canceled debt on IRS Form 1099-C, which I included as income on my federal tax return for 2023. As such, these debts have been legally discharged, and the amounts should not be listed as outstanding or derogatory entries on my credit report. 

I respectfully request that these charge-offs be removed from my credit report immediately, as they are inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my claim and remove any incorrect information. 

Please notify me of the results of your investigation in writing. If these entries are not corrected, I am prepared to escalate this matter and may consider further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Thank you for your time and prompt attention to this matter. I look forward to receiving confirmation that these errors have been corrected. 

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 2024-09-29 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: VA

Complaint narrative:
I have requested about 5 times since XXXX  to have the XXXX XXXX XXXX loans removed from my credit report. I had not had provided any written notice that I would agree to have any of my financial information shared with a 3rd party. I was not provided any opt out choices. This violates 15 USC 6802 ( B ) ( 1 ) ( A ) AND ( B ) and ( C ).

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 2024-09-29 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: VA

Complaint narrative:
I have requested about 5 times since XXXX to have the XXXX XXXX XXXX loans removed from my credit report. I had not had provided any written notice that I would agree to have any of my financial information shared with a 3rd party. I was not provided any opt out choices. This violates 15 USC 6802 ( B ) ( 1 ) ( A ) AND ( B ) and ( C ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: VA

Complaint narrative:
I have requested about 5 times since XXXX  to have the XXXX XXXX XXXX loans removed from my credit report. I had not had provided any written notice that I would agree to have any of my financial information shared with a 3rd party. I was not provided any opt out choices. This violates 15 USC 6802 ( B ) ( 1 ) ( A ) AND ( B ) and ( C ).

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 2024-09-29 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: CA

Complaint narrative:
I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Transunion, XXXX and XXXX. They ( XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>. They have not responded as of today. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. here 's the tracking number : 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