vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
My student loan was refinanced with SoFI on XXXX of XXXX. 

I receive a monthly contribution of {$300.00} from my employer through XXXX  XXXX that it sent directly to the bank using ACH system. 

My loan was being serviced by XXXX initially. 
The first payment from my employer was made on XX/XX/XXXX of XXXX to XXXX and this payment was applied correctly into my account. 

The second payment on XX/XX/XXXX, was sent to XXXX as well, but coincidentally my account was transferred over to Sofi for servicing this same day and this payment hasnt been posted into my account yet until this date. I had placed a complaint to XXXX and after multiple attempts, even through XXXX, they finally replied they had received this payment and they are in the process of transferring this payment to Sofi. ( Still waiting on this issue to be resolved ) Additionally, on XX/XX/XXXX of XXXX, my employer sent two more payments of {$300.00} each, for a total of {$600.00}, using ACH system, but this time they were sent directly to Sofi. These payments havent been applied either into my account and I was told my account was reported to the credit Bureau for late payments. 

I have submitted proof of this payments, I have called multiple times, I have emailed them a lot of times as well and they have not resolved this issue either. Everyone gives me different information and even have lied to me in many occasions, communication is terrible and supervisors from customer service have not helped at all. 

My account is past fue for 55 days now and missing payments from XXXX and XXXX for a total of {$900.00}. 

I need help solving these 2 investigations as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
This morning, I discovered that incorrect accounts had appeared on my credit report, and I have no idea how they got there. I regularly check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser to see if it was just a temporary glitch, but the errors remained. Because of this, I request a thorough review of the documents Ive submitted so I can put this issue behind me for good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX and XXXX there was {$4500.00} of purchases to XXXX for Cryptocurrency. For everyone of the transactions, I received an email stating the transaction failed. I never received any cryptocurrency because every transaction failed. Apparently my debit cards thst were hooked up to XXXX and XXXX were closed and not active BUT Bank of America took the money from my account on a hold basis and never refunded it to my account because my cards were closed and account was being closed. 
I have file several billing claims to the bank. I had 1 approved for {$500.00} but all of the others are being denied after asking me for more information. I have asked how they can approve 1 claim and not approve all the others when it is the same exact situation and even their XXXX XXXX XXXX XXXX XXXX ( i believe ) can not answer that. It has been since XXXX. Not only have they taken out thousands of dollars from my account, but they wont release the {$900.00} still in my bank account. I have lost my health insurance, car insurance and can not pay for oil to heat my house or pay for my XXXX medication XXXX XXXX XXXX XXXX. XXXX XXXX phone number goes directly to voicemail and it takes her a day or 2 to respond and all she says is the bank is working on it or that they need more info. I sent them the screen shot of the email I received from XXXX showing the transaction failed. 
I have just today received notice that apparently 1 other claim was denied because the bank says I didnt provide enough evidence. 
I want to file a class action suit and want them to pay for their incompetence and poor training and ethics. Bank of America has ruined my life and I will continue to lose everything as I have already all because of their greed and corruption. 

I will be going to the news with this and blasting it and this complaint on social media and I do not plan to stop until I have my money.

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 monetary relief
Consumer complaint received 2025-02-12 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: WI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

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 2025-02-12 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: LA

Complaint narrative:
I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX XXXX XXXX  - {$1800.00} XXXX XXXX XXXX - XXXX - {$30000.00} XXXX XXXX XXXX XXXX XXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.

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 2025-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Regional Management Corporation
State: SC

Complaint narrative:
on XX/XX/year> I called XXXX XXXX XXXX to ask about this debt. I did not have any knowledge about this debt. I was told they bought the debt from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX charged off my account and is still reporting to the credit bureaus negatively. I ask to give me my account information payments from the time i opened the account and they only had information from a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX XXXX and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Reached out to the company to let them know I am having a financial Hardship.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Got it! Ill personalize the letter with your name : XXXX XXXX XXXX XXXX XXXX XXXX, Apartment XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX [ Your Phone Number ] [ Your Email Address ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I, XXXX XXXX , am formally disputing several unauthorized hard inquiries that have been reported on my credit file. Upon reviewing my credit report, I discovered multiple hard inquiries that I did not authorize. These inquiries are negatively impacting my credit score, and I am requesting their immediate removal under the Fair Credit Reporting Act ( FCRA ). 

The following hard inquiries were not authorized by 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under 15 U.S. Code 1681b, a company must have my explicit authorization before performing a hard credit inquiry. Since I did not provide consent for these inquiries, they should not appear on my report. 

I have already disputed these inquiries with the credit bureaus ( Equifax, XXXX, and XXXX ), but they have not taken action to remove them. Therefore, I am escalating this matter to the CFPB to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 

I request that the CFPB investigate these unauthorized inquiries and take appropriate action to have them removed from my credit report. Additionally, I would like a written confirmation of the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MO

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: Kriya Capital, LLC
State: IL

Complaint narrative:
I have been a victim of identity theft since XXXX this person was able to obtain a car loan in my name via the internet I'm assuming I asked the cat lot for video surveillance but they do not have it this car has been in my credit since XXXX I have disputed multiple time the company only send a contract with a made up email no signature of mines just electronic

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX Subject : Formal Dispute Letter Request for Removal of Inaccurate Information from My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and/or unverifiable information that appears on my Experian credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681o. I have previously disputed these accounts with the credit reporting agencies, yet they have failed to provide evidence that the information is accurate, complete, and verifiable as required by law. 

The following accounts should be removed due to the reporting entitys negligent noncompliance with the FCRA : XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX Basis for Dispute : Negligent Noncompliance Under 15 U.S. Code 1681o Under the FCRA, credit reporting agencies and furnishers of information must ensure that all information reported is accurate, fair, and substantiated. The listed accounts remain on my credit report despite : Lack of Proper Verification : The furnishing party has failed to provide verifiable proof that these accounts belong to me and are being reported correctly. 
Failure to Conduct a Reasonable Investigation : The credit bureaus and/or creditors have not conducted a proper investigation in response to my previous disputes. 
Continued Reporting of Inaccurate Information : Under the FCRA, failure to remove or correct inaccurate information constitutes negligent noncompliance, making the responsible party liable for damages. 

Requested Resolution I am requesting that the CFPB investigate these violations and ensure the immediate removal of these accounts from my credit report. Additionally, if the reporting parties are found in violation, I request any applicable corrective actions, including damages as outlined in the FCRA. 

I kindly request a response within 30 days in accordance with federal law. If the inaccuracies are not corrected, I am prepared to take further action to enforce my rights under the FCRA. 

Please confirm receipt of this dispute and inform me of the next steps. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-02-12 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: MO

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TN

Complaint narrative:
I have XXXX checks ( over XXXX XXXX ) to Moleha that have been cashed and not deposited to my account dating back to XXXX for my student loans. I have been calling and contacting Mohela since XXXX of XXXX about this via telephone ( originally was contacting via portal and not getting anywhere ). I have talked over to XXXX managers and no resolution. Each time I call there is not follow up or follow through. I have submitted over XXXX complaints via XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they have been closed without any resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
When reviewing my credit report this morning, I was surprised to see incorrect accounts listed without any explanation. I always check my report, but this time, discrepancies appeared unexpectedly. Hoping it was just a browser issue, I refreshed the page, but nothing changed. Because of this, Im requesting a detailed review of the documents Ive provided to ensure I never have to deal with this issue again.

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 2025-02-12 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:
last year i found out that my cousin was using my information without my consent to get credit cards and auto loans. i disputed these accounts with no luck. I was instructed to file a fraud affidavit and police report. i have done that and i have included it in my documents.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX recently reported my student loan account as XXXX XXXX late to Experian, and other two bureaus. However, I was never properly notified about the delinquency. All XXXX communication went to my spam folder, and I was unaware of the missed payments until I reviewed my credit report. 

As soon as I realized the situation, I immediately paid my account in full to bring it current. I contacted XXXX directly to request a Goodwill Adjustment, but I was told they are unable to remove the late mark. 

Given my history of responsible payments and the fact that I was never properly notified, I am requesting that the XXXX late payment be removed from my credit report. I kindly ask CFPB to investigate this matter, as this reporting has drastically affected my credit score and does not reflect my overall creditworthiness. 

Thank you for your time and assistance in resolving this issue.

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