vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and Transunion data breach.

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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
On XX/XX/2025, I was unexpectedly logged out of my SoFi Bank account and found myself unable to access it. Upon contacting SoFi 's customer support, I was instructed to resubmit my identification documents. After completing this verification process, my account access was restored without any further issues. 

However, on XX/XX/2025, I received an email from SoFi stating that my account had been closed due to a violation of their Deposit Account Agreement. The communication did not provide specific details regarding the nature of the violation, and I did not receive any prior warning or notification about any issues with my account. 

Upon reviewing my recent account activity, I identified a possible accidental overdraft of approximately {$5.00} during a transfer from my investment account. I had set up a direct deposit on XX/XX/2025, scheduled to arrive within the next four days, which would have covered the overdraft. 

Since the account closure, I have been unable to access my account online or use the in-app chat feature. I have contacted SoFi 's customer support multiple times, but they have not provided a clear explanation or guidance on the next steps. The representatives have consistently stated that the decision is final and that I can not reopen the closed account or apply for a new one.

Additionally, I held an active SoFi Invest account containing securities. Due to the closure of my bank account and the resulting loss of access to my SoFi online profile, I was unable to manage my investments. Consequently, I was compelled to transfer my assets to another brokerage firm, incurring a {$100.00} ACAT transfer fee. This fee was a direct result of the account closure and the lack of access to my investment account.

During one of my calls with SoFi 's customer support, I inquired about the possibility of repaying the {$5.00} overdraft along with any associated fees to resolve the issue. After being placed on a prolonged hold, the representative informed me that the decision to close my account was final, and I would not be allowed to reopen the closed account or apply for a new one. 

I am seeking assistance in understanding the specific reason for the account closure and exploring the possibility of reopening the account or resolving the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-22 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: LA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: QC HOLDINGS INC
State: FL

Complaint narrative:
I have received between 2-3 calls a day from this debt collector and have received voicemails of automated bot messages. They don't provide context for who they are, however they have violated the 7 calls in 7 days rule the FTC has put in place several times over the last 4 months. This is harassment and unacceptable behavior.

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 2025-04-22 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: OH

Complaint narrative:
I requested for XXXX to report the CORRECT BALANCE. I paid my balance down to {$3800.00}, and they still reported A HIGH, INCORRECT BALANCE!!!

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 2025-04-22 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: PA

Complaint narrative:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: PA

Complaint narrative:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy.

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 2025-04-22 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: VA

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: DISCOVER BANK
State: PA

Complaint narrative:
15 U.S.C. 1681i outlines the procedure for consumers to dispute the accuracy of information in their credit reports. If a consumer disputes the accuracy of information, the consumer reporting agency must, within 30 days, conduct a reasonable reinvestigation to determine the accuracy of the disputed information. If the information is found to be inaccurate or unverifiable, the agency must delete it from the consumer 's file and notify the furnisher of the information. Inaccurate or Unverifiable Information : If the reinvestigation finds the information to be inaccurate or incomplete, or if it can not be verified, the agency must promptly delete the item from the consumer 's file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: SC

Complaint narrative:
Here 's a sample response you can use to explain to the Consumer Financial Protection Bureau ( CFPB ) why you're submitting a complaint due to identity theft : -- - * * Why Im Submitting This Complaint : * * I am filing this complaint because I am a victim of identity theft. I discovered that someone has used my personal information without my permission to open accounts and/or make unauthorized transactions. These fraudulent activities have negatively affected my credit, caused financial XXXX, and led to confusion and delays when dealing with the institutions involved. 

Despite my efforts to resolve the issue with the company or companies directly, I have not received a satisfactory resolution. I am seeking assistance from the CFPB to help investigate and resolve this matter, protect my rights, and prevent further damage to my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: SC

Complaint narrative:
Here 's a sample response you can use to explain to the Consumer Financial Protection Bureau ( CFPB ) why you're submitting a complaint due to identity theft : -- - * * Why Im Submitting This Complaint : * * I am filing this complaint because I am a victim of identity theft. I discovered that someone has used my personal information without my permission to open accounts and/or make unauthorized transactions. These fraudulent activities have negatively affected my credit, caused financial XXXX, and led to confusion and delays when dealing with the institutions involved. 

Despite my efforts to resolve the issue with the company or companies directly, I have not received a satisfactory resolution. I am seeking assistance from the CFPB to help investigate and resolve this matter, protect my rights, and prevent further damage to my financial wellbeing.

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 2025-04-22 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I purchased vehicle from XXXX XXXX XXXX. Vehicle was advertised for sale at {$6400.00}. At time of purchase no paperwork was given to me. I requested at time of e-signing a copy and was told that I would get a copy when signatures were complete before I left. At the end of the e-signing, I was told our printer broke. You can obtain a copy online only to find that it was three days before a copy could be retrieved online. At that time I realized that I was charged {$9100.00} plus tax and fees plus I was charged for a warranty I never authorized. The total was {$13000.00} plus interest making the total sales price with interest {$19000.00}. Upon contacting both XXXX XXXX XXXX and Credit Acceptance I was told nothing could be done. I have paid {$10000.00} in 30 months and decided to again try to rectify this matter to no avail. I did not want to harm my credit. I never received a Buyers order or any other form of paperwork at the time of sale.

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 2025-04-22 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: NJ

Complaint narrative:
I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from 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 explanation
Consumer complaint received 2025-04-22 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The addresses located on my credit profile are incorrect. 

XXXX XXXX XXXX XXXX  XXXX  XXXX is the only address that should be located on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The addresses located on my credit profile are incorrect. 

XXXX XXXX XXXX XXXX  XXXX  XXXX is the only address that should be located on my credit profile.

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 2025-04-22 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAC Financial Corp
State: OK

Complaint narrative:
In XXXX I started to receive texts from a company called CAC out of XXXX XXXX, Oklahoma for a medical bill I forgot to pay to XXXX XXXX XXXX. The bill was for {$42.00}. I immediately mailed a payment with the payment coupon directly to XXXX via personal check XXXX XXXXXXXX dated XX/XX/XXXX. The check cleared my bank account on XX/XX/XXXX. I still received text messages and emails from an individual named XXXX XXXX. I responded to the texts on a daily basis for XXXX days asking them to stop. They finally stopped and I requested all emails be send to my spam account as I did not want to engage. Yesterday, the emails started up again. This time again from XXXX XXXX, but using a different email address to bypass my spam account. I have no intention of engaging with this company again as this is now harassment. The emails started stated the balance on my account was as of XX/XX/XXXX, but was sent yesterday, XX/XX/XXXX. I never gave this company permission to contact me via electronic means and have never received a letter regarding the balance being transferred to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: VA

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 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 2025-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: TX

Complaint narrative:
NTL Recovery Agency has reported the same medical debt to my credit report three times. XXXX of the same amount of {$2200.00} and XXXX amount of {$530.00}. All three debts are the same medical account. 

I have done my best to dispute through the credit bureaus but to no avail these debts have not been corrected.

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 2025-04-22 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024.

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Account Number : XXXX XXXX XXXX Reason : Unverified account Account Name : AFFIRM INC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There's a major mistake and the numbers are wrong.

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