vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
I am writing to formally request your assistance with an urgent matter concerning my banking relationship with SoFi. As a XXXX XXXX I have encountered significant challenges with my account, which have been exacerbated by the banks recent decision to close my account without a clear explanation or adequate support. 

In recent weeks, I experienced a freeze on my account which severely impacted my ability to manage my finances. Despite numerous attempts to resolve the issue with SoFis customer service, my concerns were not addressed effectively. I often faced abrupt service terminations during calls, and on several occasions, representatives hung up, leaving my queries unresolved. 

On XX/XX/2024, I was informed that my account was closed due to an alleged violation of terms and conditions, a claim that was not substantiated with specific details. This sudden closure has left me without access to my funds, during a time when I am already dealing with significant personal health challenges. Moreover, I am affected by the recent XXXX XXXX XXXX XXXX leak, which has led to additional complications with denied transactions and accruing fees. 

Given these circumstances, I am seeking the CFPBs intervention to address the following : 1. A thorough investigation into the handling of my account closure by SoFi, including the reasons behind the alleged violations and the manner in which my concerns were managed by their customer service. 
2. Assistance in restoring access to my funds as swiftly as possible to prevent further financial distress.

3. Review of any penalties or fees applied to my account in light of the account freeze and subsequent closure. 

I believe that the difficulties I have faced involve violations of consumer rights and potentially discriminatory practices, considering my health condition. Enclosed are all relevant communications with SoFi, as well as documentation relating to the XXXX XXXX XXXX  data leak impact on my financial transactions.

Thank you for your attention to this pressing issue. I am hopeful for a prompt response and am eager to cooperate fully with any inquiries or advice you may have to facilitate a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am following up regarding the unauthorized hard inquiries listed below on my credit report, as previously raised in my complaints :

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 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I opened a dispute on XX/XX/2024 for a Drone order from XXXX. 
I purchased a XXXX from XXXX and an extra set of propellers. I paid XXXX on my Apple Credit Card. The packaged was shipped and arrived on XX/XX/year> the box arrived damaged and I took a picture of the box before moving it in doors. The was also dropped off without my signature. After opening the box I discovered that part of the Drone was missing and I was also missing the SD card and other accessories. I contacted XXXX on XX/XX/2024 and they said someone would contact me within 24 hours and I never received an email or phone call. I filled a dispute with the Credit Card company and gave a list of the items I did not receive and I requested a partial dispute. The Credit Card company disputed the entire amount. I sent them pictures of the box as well as evidence that I made an effort to workout with XXXX. I also sent them copies of the purchase receipt. On XX/XX/XXXX my Dispute was finalized and not in my favor. The result was that I couldn't receive a credit because I agreed to the terms and conditions at the time of purchase. I am pretty sure that I did not pay XXXX for an incomplete order from XXXX. It could have been incomplete because XXXX did not put everything in the box before it was shipped or as the BOX looked on arrival someone could have taken it out of the box but either way I did not receive everything I paid for and that's not my fault. On XX/XX/2024 I requested the dispute to be re-opened and also filled a claim with XXXX. XXXX XXXX XXXX XXXX XXXX .... on XX/XX/2024XX/XX/year> XXXX said that they came to a conclusion but couldn't release that information to me as the receiver and only the shipper would receive the outcome or compensation from the claim. On XX/XX/2024 Golden Sacks requested any emails or communication that I had with XXXX and any documents showing the evidence I did not receive from the XXXX. I'm not show what to send in to support that as I already sent in screenshots of me chatting into XXXX back in XXXX and never received any emails from that after that. I also gave them a list of the missing product over the phone when the first Dispute was filled and when the second dispute was filled. I am now disputing XXXX and willing to pay XXXX of the original payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-29 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:
I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: AZ

Complaint narrative:
I made full payment the was reporting me as late payment I called them the said the cant do anything I would like to get removed out of my Credit bureau it was XXXX balance and o paid XXXX with interest fees total date of closed account was on XX/XX/2019

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 2024-04-29 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: AZ

Complaint narrative:
I made full payment the was reporting me as late payment I called them the said the cant do anything I would like to get removed out of my Credit bureau it was XXXX balance and o paid XXXX with interest fees total date of closed account was on XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: WA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: MD

Complaint narrative:
This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the inquiries belonged to me the first time you reported the account on my credit report. Your failure to properly verify these inquiries has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the account : XXXX XXXX Debt Inquiry Date : XX/XX/year> ( Unverified account ) XX/XX/year> ( Unverified account )

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 2024-04-29 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: PA

Complaint narrative:
I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.

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 2024-04-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
FCRA 605B, I believe, necessitates the elimination of any erroneous accounts from my credit report. Could you review the documents? Some of the accounts listed contain inaccuracies regarding reporting, including inaccurate amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: FL

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: NV

Complaint narrative:
The pay loan company after emailing them and trying to sort out what account. They reached my employer my employer was very upset about the harassment in addition to putting me in an uncomfortable position. They allegedly sent a payment plan but at the same time emailed my employer bullied peer pressured into a garnishment. My employer advised this is not the process without a writ. They sent me multiple emails and my employer without really trying to settlement negotiate any issue. This has now put a strain on me and my employer due to this uncomfortable issue. This all occurred XX/XX/2024 i also have. A voicemail with a threatened jury duty in order to get me to call them back. The message is saved on my phone as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: FL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: GA

Complaint narrative:
On XX/XX/year> i pulled my credit reports and discovered a account that was not mine.

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 2024-04-30 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:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-04-29 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: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: MO

Complaint narrative:
PLEASE BLOCK AND REMOVE I urgently request that you take immediate steps to eliminate the fraudulent inquiries on my credit report. They were not authorized by me and are causing me considerable distress.

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 2024-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Recieved a Fraudulent email from Zelle attempting to solicit payment of {$760.00} for Zelle Pay Shopping.from the following email address : XXXX XXXX at XXXX For the following Invoice/BillNumber : XXXX  Your Expenses : XXXX XXXX XXXX  in Bill # XXXX XXXX and Transaction Number : XXXX Email By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ] Customer Service Contact Number : XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-04-29 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: GA

Complaint narrative:
I am writing to request the deletion of certain accounts from my credit report that have resulted from identity theft, in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. I recently discovered that my personal information has been compromised, leading to fraudulent accounts being opened in my name without my knowledge or consent. I have taken immediate action to report this identity theft to the relevant authorities, including the Federal Trade Commission ( FTC ) and local law enforcement. As per the FCRA, I kindly request that you investigate the following accounts that have been fraudulently opened in my name : Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX.I have enclosed copies of the identity theft report filed with the FTC, as well as any supporting documentation that verifies my claim of identity theft. Please review these documents carefully and take the necessary steps to delete these fraudulent accounts from my credit report. Additionally, I request that you provide me with a written confirmation once the investigation is complete and the accounts have been removed from my credit report. This confirmation should be sent to the address mentioned above. I understand that under the FCRA, you have 4 days to investigate my dispute and respond to my request. I appreciate your prompt attention to this matter and your cooperation in resolving this issue. Thank you for your assistance in rectifying the impact of this identity theft incident on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: LEXISNEXIS
State: PA

Complaint narrative:
Lexis Nexis illegally and knowingly transferred and sold a bankruptcy report and placed it on my consumer report without written instruction from me. 
I have proof from the bankruptcy court that this account was not shared with Lexis Nexis but rather they obtained someones bankruptcy records and placed it on my credit report. They account is not accurate, This account must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This month I paid some of my credit card bills online. When I submitted the payments, I had enough money in my account. However, I bought something on XXXX, and they overcharged me. I noticed the error and corrected it with XXXX. They refunded me the overage on ( XXXX ). However, this overage put me in the negative and I did not know it. I just so happened to check my account ( XXXX ) to make sure the refund was applied and noticed that my bills had been paid but my account was negative {$32.00}. I had not received notice from the bank that my account was negative, and it was late when I realized it, so I had to go to the atm the next day ( XXXX ) to deposit more money. I brought the account up to a positive {$8.00} and thought that was all. Today, XXXX I got an alert that my account may be insufficient funds and one of my bills payments was returned. The notice on XXXX was the only notice that my account was overdrawn. I went to my account ; part of my paycheck had been deposited, adding additional funds to cover the payments. Now my payment has been returned and I had to send another payment to cover the amount plus any fees that I may be charged. 
I know that the bank is doing this because of a lawsuit that they won. I know that I still owe them money and have not been able to pay because of some medical issues I face but sending back my other payment for spite is just over the top. I told them upfront that the account they sued me over was opened by a family member. When I realized they had the card I ripped it up and thought that was the end of it. I was a minor and in the middle of planning to go to college and did not realize that I had to call the bank to close the account. I just cut up the card and sent it back. I found out that they had another card resent claiming it was lost. I have let the lawyers know about my medical and financial issues, so I dont know why every month I payments have sent back after I have put money in the account to cover them. 

When you cost me money with my other creditors this only delays my ability to pay off the judgement.

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