vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: ME

Complaint narrative:
On the date XX/XX/year> I expected my direct deposit as usual but this time I was expecting in the Sofi account, gladly my direct deposit arrived in my Sofi account total {$3000.00}. 
A few days later I realized my Sofi account was frozen. And they were notice of me having to call them which they provided me the number on the Sofi app, I called XXXX times in a week. 
The other time I asked the customer service representative that what was wrong they couldnt come up with any concrete explanation or answers. I was only told to stay on but up till now its been a month and counting no solutions, bills are up on me Im getting embarrassed because I have to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort

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 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort

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 2024-04-02 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: 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 under 15 USC 1681. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Possible Financial Inc
State: KY

Complaint narrative:
this company is included in the bk that was filed on XX/XX/24, so a stay was placed on collection but they decided to keep collecting on the loan and will not respond to any of my attorney phone calls or emails.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-04-02 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
old phone was sold and i accidently didnt clear it. alot of charges were made on here to some off XXXX XXXX site. ive been fighting with them about it for a year and they keep putting the charges back on sometimes as long as XXXX  months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my extreme dissatisfaction with the inaccurate information currently present on my credit profile. Despite repeated attempts to rectify these errors, the bureau has failed to take appropriate action, thereby violating several federal laws protecting consumers ' rights. 

Under the Fair Credit Reporting Act ( FCRA ), it is mandated that information reported on credit profiles be accurate, complete, and up-to-date. However, the inaccuracies persist, constituting a clear violation of FCRA Section XXXX ( b ). 

Furthermore, under FCRA XXXX XXXX ( XXXX ), the bureau is obligated to promptly investigate any disputes raised by consumers. Despite my efforts to dispute the inaccuracies, the bureau has failed to respond within the legally mandated timeframe. 

This blatant disregard for federal law has had severe repercussions on my financial well-being and has undermined my ability to access credit on fair terms. Therefore, I demand immediate action to rectify these errors and remove the inaccurate information from my credit profile. 

Failure to comply with federal law in this matter will result in further legal action to protect my rights as a consumer. I have attached copies of previous dispute letters for your reference. 

I expect a prompt and satisfactory resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
My car was wrecked in XX/XX/XXXX and it was considered totaled in XX/XX/XXXX. I called to get payoff amount and they informed me on XX/XX/XXXX that it was approximately {$8100.00} prior to insurance payment and prior to approximately {$1600.00} credit for car warranty that would be cancelled and that they would owe me after all payments are applied. Well when I logged in on XX/XX/XXXX and called them they argued stating otherwise and have added additional interest fees and have a payment still reflected as past due when they just got a large payment from my insurance on my behalf. Im being given the run around. This company seems like a XXXX  and I want it investigated.

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 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my extreme dissatisfaction with the inaccurate information currently present on my credit profile. Despite repeated attempts to rectify these errors, the bureau has failed to take appropriate action, thereby violating several federal laws protecting consumers ' rights. 

Under the Fair Credit Reporting Act ( FCRA ), it is mandated that information reported on credit profiles be accurate, complete, and up-to-date. However, the inaccuracies persist, constituting a clear violation of FCRA Section XXXX ( b ). 

Furthermore, under FCRA XXXX XXXX ( XXXX ), the bureau is obligated to promptly investigate any disputes raised by consumers. Despite my efforts to dispute the inaccuracies, the bureau has failed to respond within the legally mandated timeframe. 

This blatant disregard for federal law has had severe repercussions on my financial well-being and has undermined my ability to access credit on fair terms. Therefore, I demand immediate action to rectify these errors and remove the inaccurate information from my credit profile. 

Failure to comply with federal law in this matter will result in further legal action to protect my rights as a consumer. I have attached copies of previous dispute letters for your reference. 

I expect a prompt and satisfactory resolution to 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 non-monetary relief
Consumer complaint received 2024-04-02 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: TX

Complaint narrative:
I am writing to express my extreme dissatisfaction with the inaccurate information currently present on my credit profile. Despite repeated attempts to rectify these errors, the bureau has failed to take appropriate action, thereby violating several federal laws protecting consumers ' rights. 

Under the Fair Credit Reporting Act ( FCRA ), it is mandated that information reported on credit profiles be accurate, complete, and up-to-date. However, the inaccuracies persist, constituting a clear violation of FCRA Section 1681e ( b ).

Furthermore, under FCRA Section 1681i ( 5 ), the bureau is obligated to promptly investigate any disputes raised by consumers. Despite my efforts to dispute the inaccuracies, the bureau has failed to respond within the legally mandated timeframe. 

This blatant disregard for federal law has had severe repercussions on my financial well-being and has undermined my ability to access credit on fair terms. Therefore, I demand immediate action to rectify these errors and remove the inaccurate information from my credit profile. 

Failure to comply with federal law in this matter will result in further legal action to protect my rights as a consumer. I have attached copies of previous dispute letters for your reference. 

I expect a prompt and satisfactory resolution to 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 non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I took out a Mortgage with a company named XXXX Mortgage. They sold my loan to Nationstar Mortgage, XXXX XXXX Mr. Cooper. The starting balance of my mortgage was {$370000.00}. The mortgage started on XX/XX/XXXX and the interest was pre-paid through XX/XX/XXXX and did not begin accruing until XX/XX/XXXX. As of today, XX/XX/XXXX I have made payments to Mr. Cooper totaling {$380000.00} and according to their website, my mortgage is still not paid off. My interest rate is 6.875 %, and I have no escrow associated with the mortgage. There are no pre-payment penalties or early payoff penalties for my mortgage. Of the {$380000.00} I have paid to Mr. Cooper, they have assigned {$6200.00} of that amount to interest charges. However, they have only earned 33 days of interest as of today, which is approximately {$2300.00}. It appears I have been overcharged approximately {$3800.00}. I have attempted to call Mr. Cooper several times and am unable to reach a representative. Their automated calling system will not route me to a human. When I try to send a message on their website, I get an error each time. So not only have I been overcharged, I'm not even able to get in contact with the company to request a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-02 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 non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I bought some furniture at XXXX XXXX store, when providing the credit, they gave me a minimum payment to pay of the balance without paying interest. What they did was not providing a payment that will finish paying the balance within the time period so they can charge interest. But that is not all, on a {$420.00} balance they've charged {$230.00} interest so it's not on balance due. It's on the principal amount and now we as consumer have to pay interest on interest as well. These promotions are misleading and deceptive, I would have found this issue sooner, but I went through a major XXXX and just saw this today. 
I called to see if I can pay the balance before that {$230.00} and was told I can't..

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 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

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 2024-04-02 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
On XX/XX/23 the Company filed a NOD on my property, and as of Today the NOD remains on my property. I have provided all documents requested from the Company and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2024-04-02 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: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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