vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 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: CA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 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 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

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 2024-06-27 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: GA

Complaint narrative:
The following accounts do not belong to me. Please investigate the following accounts and remove from my credit report. 

I have no idea where these accounts come from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I had XXXX fraudulent charges in my account from merchant " XXXX XXXX ''. The first transaction was on XX/XX/year> for {$16.00}. I contacted XXXX at this time and disputed the transaction. They closed my debit card at this time and sent me a new debit card in the mail. A second fraudulent charge then went through my account on XX/XX/year> for {$100.00} from the same merchant ( after my card was closed and I had my new card ). I contacted SoFi again and explained to them that the merchant must have access to my account number since they gave me a new card but another fraudulent transaction went through. SoFi gave me XXXX provisional credits and said they needed time to investigate the transactions. I then closed out my XXXX account to prevent any additional fraudulent transactions from going into my account. 

On XX/XX/year> I received an email from SoFi stating that they determined the first transaction for {$16.00} was unauthorized activity. They then sent me another email on XX/XX/year> notifying me that they determined the {$100.00} transaction from the SAME merchant was NOT unauthorized and they would be taking the provisional credit back out of my account on XX/XX/year>. 

I then contacted SoFi to dispute the decision and explained to them that a mistake had been made by their Fraud team and both transactions were indeed fraudulent. The phone representative was unable to help. I then asked for a copy of the documents they used in reaching their final decision and they were unable to provide any documents ( even though the email they sent me explained that they would be able to provide these documents ). I then explained to them that I would be filing a complaint with the CFPB. 

I am a XXXX XXXX  XXXX for a XXXX XXXX and can tell you from experience that this dispute was handled very poorly and the decision was wrong. The response by SoFi is unacceptable. How can you determine XXXX transaction was fraudulent but then determine another transaction from the SAME merchant conducted several days later for MORE MONEY AFTER A CARD WAS BLOCKED was not? I have been a SoFi customer for almost XXXX  years, I have a credit card with SoFi that I use everyday, and have had XXXX  loans with SoFi which were both paid in full but I will be banking with another institution unless this decision is reversed. I have no confidence in SoFi 's ability to handle Fraud after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-06-26 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: IN

Complaint narrative:
I am a victim of identity theft and was notified by XXXX that my account may have been exposed to a data breach. 

Please help me remove this fraudulent account from my credit reports. I reported this to Federal Trade Commission. I will attach in this complaint my FTC report, ID, proof of address, and social security card. 

Please delete this fraud account from my credit reports 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 2024-06-26 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: IN

Complaint narrative:
I am a victim of identity theft and was notified by XXXX that my account may have been exposed to a data breach. 

Please help me remove this fraudulent account from my credit reports. I reported this to Federal Trade Commission. I will attach in this complaint my FTC report, ID, proof of address, and social security card. 

Please delete this fraud account from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: IN

Complaint narrative:
I am a victim of identity theft and was notified by Experian that my account XXXX have been exposed to a data breach. 

Please help me remove this fraudulent account from my credit reports. I reported this to Federal Trade Commission. I will attach in this complaint my FTC report, ID, proof of address, and social security card. 

Please delete this fraud account from my credit reports 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 2024-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
We were notified that that XXXXXXXX XXXX XXXXXXXX XXXX XXXX was filing a foreclosure on us. We do not even know who they are. Our mortgage was with XXXX XXXX. During covid we went on forbarance as XXXX and XXXX both worked in XXXX and XXXX lost her job and XXXX took a pay cut. While on forbarance XXXX XXXX sold our mortgage to XXXX XXXX XXXX  and never told us. We were never contacted. Now we are being threatened on foreclosure from XXXX different mortgage companies. XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX. We do not know either of these companies. We never had a mortgage with either of these companies. When I try to call XXXX XXXX I have spent hours on hold. I have absolutely ZERO contact information for XXXX XXXX XXXX. Who are these companies how can they take our house when we have no clue who they are? This is completely fraudulent and unfair mortgage practices. This is shameful. XXXX XXXX is asking for more then we paid for our house for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I'm writing to address the concerning issue I've encountered with XXXX XXXX. Despite being a loyal customer with a solid payment history, I experienced a significant increase in my monthly policy premium in XXXX. Upon questioning my agent, about this sudden change, I was informed that my son 's use of the tow service had triggered an algorithm within XXXX, categorizing us as high-risk. This explanation came as a surprise to me, and when I expressed my dissatisfaction to XXXX XXXX, his response was dismissive and unprofessional. 

Feeling dejected by the lack of helpfulness by my agent, I attempted to transfer my policy to another agent for improved customer service, but I was met with resistance and told that such a transfer was not possible. As a result, I decided to seek out alternative insurance providers and ultimately initiated a new policy with XXXX XXXX XX/XX/year>. 

To my dismay, on XX/XX/XXXX, I received a message from a collection company demanding payment of {$600.00} for the auto policy and {$42.00} for renters ' insurance. After contacting the company at XXXX, I was informed that submitting proof of starting the new policy before the cancellation date might provide a resolution. I promptly provided the necessary documents, only to learn on XX/XX/XXXX that XXXX had rejected them, and I was still being held liable for the charges. The threat of having the purported debt added to my credit report if I continued to dispute the issue is both distressing and unacceptable. 

I strongly believe that I do not owe the aforementioned amounts. It appears that these charges are unjust and XXXX be punitive due to my decision to switch to a different insurance provider. I would greatly appreciate your assistance in resolving this matter promptly. 

Thanks

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: SC

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-06-27 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: IL

Complaint narrative:
I have sent in XXXX lawful debt request affidavits to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have ignored the XXXX affidavits that were sent for them to lawfully verify a debt. 
I requested that XXXX XXXX XXXX send 1.Validation of debt ( the actual accounting ) 2.Verification of the claim against me ( signed invoice ) 3.Copy of the contract binding both parties ( me and you ) XXXX & XXXX has had more then XXXX even 60 days to send what I requested so with that being said and them not being able to verify anything the mark ( s ) on my credit need to be deleted asap there is no more time to be given according to law 15 usc 1681i ( 5 ) ( a ) ( i ) ( ii )

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 2024-06-27 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: TN

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
Its a very long story, but I will do my best to make it quick. I purchased a XXXX piece living room set from XXXX for {$730.00} on XX/XX/XXXX and returned it around XX/XX/XXXX. XXXX stated that they refunded the money on XX/XX/XXXX and my bank Sofi received the refund as a chargeback. I inadvertently disputed the item. It canceled out my refund somehow. The item went through the dispute period and the bank sent a letter around XX/XX/XXXX stating that the claim has been denied after waiting 90 days. They offered to reappeal the dispute to the merchant to attempt to get the funds back and informed me it would be another 90 days to receive the funds. I have gone back and forth with the merchant and the bank and neither is cooperating with me. I spoke with XXXX XX/XX/XXXX and they said again that they no longer have the funds and I need to make a demand with the bank to return my money. XXXX suggested that I go into a local branch to speak with a branch XXXX regarding this issue ; however the closest branch is XXXX hours from my home so this isn't feasible. I have contacted the BBB, FTC, and now your organization. This is the last stop before I file a lawsuit against the bank because they are holding my money and placing the blame on the merchant for it not being returned. I have been waiting for months to have the money refunded to me. Now the bank is telling me I have to wait another 90 days for another dispute for money that the merchant no longer has. I simply just want the bank to do the right thing and refund me my money. I feel very confused and violated as a bank customer. This matter has caused a great deal of anxiety as well as frustration and I am having to take out a tremendous amount of time out of my day on multiple occasions to try to resolve this issue. I have made about XXXX calls from XXXX to present to the merchant as well as the bank and have not received any resolution. I am really hoping that you all can help me or point me in the right direction of someone who can. Thank you for your time and attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to 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 non-monetary relief
Consumer complaint received 2024-06-27 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


-- INQUIRIES -- 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-06-27 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: WA

Complaint narrative:
I am contesting the information on my credit report that I believe is not correct. The information has not been proven to be true, correct, or verified. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. If you can not provide proof that the information is accurate, compliant or valid I demand that you update to paid on time and never late. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. The following item on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please update immediately. 

Under 15 USC 1666B- this is a billing error, it was always paid as agreed, and on time this is an error this account is in violation I also didnt receive a statement 21 days before the bill is due and this a billing error under 15 USC 1666b ( 4 ) ( 5 ) ACCOUNT - XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I made large remodeling related purchases from XXXX on XX/XX/XXXX in the amount of {$1100.00} and on XX/XX/XXXX in the amount of {$60000.00} using my bank account with PNC bank. XXXX has failed to complete the delivery of order and all of my attempts to reach them by telephone and email with request for refund have been unsuccessful. XXXX abruptly closed shop on XX/XX/XXXX and stopped answering its clients, but my order remained outstanding and undelivered. Therefore, I turned to my bank ( PNC ) next with a request to dispute the transaction with XXXX and to refund for the above XXXX purchases because the merchant never completed the order. I contacted PNC bank at the end of XXXX, and the bank notified me that it would require 90 days to conduct its investigation. I kept following up with PNC bank in the meantime for updates, but no updates were available because the XXXX period had not yet passed. In XXXX, PNC bank contacted me with request for additional documentation such as proof of payment and invoice of items purchased and not delivered. I promptly provided them with the requested information and documentation and never heard back again. I followed again several times and called again today ( XX/XX/XXXX ) to learn that my claim has been denied.

Company response to consumer: Closed with explanation