vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
I previously notified Transunion that I am a victim of identity theft there is still fraudulent items on my Transunion 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 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
I am writing to formally address an ongoing and deeply concerning issue regarding my account with SoFi Bank. Since XX/XX/year>, I have been attempting to close my account, yet despite numerous attempts, SoFi has refused to honor my request. This matter has persisted for months without resolution, and I am now forced to escalate my complaint due to what I believe to be unlawful and unethical practices on the part of SoFi Bank.

Throughout this process, I have encountered repeated roadblocks, misinformation, and outright refusal from SoFi representatives to provide a clear and definitive date for my account closure. This lack of transparency and accountability is unacceptable and raises serious concerns about SoFi Banks compliance with banking regulations and consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: AZ

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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 2025-01-30 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: AZ

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
Subject : Urgent Identity Theft Dispute Violation of FCRA 1681c-2 & 1681s-2 This is a formal complaint against Equifax for failing to remove fraudulent accounts and inquiries from my credit report. I have already submitted the necessary FTC Identity Theft Report, yet these fraudulent items remain.

Legal Violations & Request for Immediate Deletion 1. Failure to Block Fraudulent Accounts ( FCRA 1681c-2 ) Equifax is obligated to block fraudulent accounts within 4 business days upon receipt of an Identity Theft Report. The following accounts have not been removed.

2. Failure to Conduct a Proper Investigation ( FCRA 1681s-2 ) Equifax has XXXX responsibility to thoroughly investigate identity theft claims. The continued presence of fraudulent accounts and inquiries suggests non-compliance with FCRA regulations. 

Fraudulent Accounts on Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Inquiries on Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

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 2025-01-30 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health!

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 2025-01-30 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
My card was used at an atm four times for {$400.00}. I filed a claim with Wells Fargo and they are doing everything in their power to place blame on me even though the PIN number used was not with the card.

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 2025-01-30 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:
On XX/XX/year> I submitted a complaint to the CFPB with regards to Transunion, and fraudulent reporting and unowned accounts on my credit report. Since that time, there has been no response from Transunion, neither has there been any updates from the CFPB. In addition I have now noticed another fraudulent account on my report, reporting as XXXX, of which I have never owned. Lastly, Transunion wont allow me to open a dispute against this account on my credit report. I am only left with one option, to complain to the XXXX  and CFPB. Please remove these accounts from my report immediately they are hurting my ability to obtain credit.

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 2025-01-31 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: CA

Complaint narrative:
I am writing to dispute an account listed on my credit report that is completely unknown to me. This account does not belong to me, and it appears to be a case of mixed data.

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 2025-01-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: NJ

Complaint narrative:
Dear CFPB, I was a client of XXXX XXXX under customer number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I paid an up front fee to engage in services ( I recall it being upwards of {$160.00} up front ) as per the telemarketers call and then a monthly fee to retain services. The second time I engaged them was due to telemarketing efforts as well with similar up front payment required. 

During and after that time period, XXXX XXXX  reached out to me and directly transferred me to their call center for further credit repair services. 

Additionally, they did require payment up front in order to retain their services. 

In speaking with XXXX XXXX, XXXX XXXX does not have me on the eligible injured persons list. These services were performed at the same time as those provided to my husband, who did receive compensation and similar phone solicitation. 

I have asked XXXX XXXX to advise why I have not been included in the suit and they have denied any involvement with providing data for the case and indicated that the CFPB has provided the data which determined inclusion. I had already reached out to the CFPB and they indicated that this would have come directly from XXXX XXXX and now we are going in circles. 

As you can see from the attached chat conversation, not only does the XXXX XXXX  chat operator keep dropping and renewing the chat, they also do not have records on file for work done from XXXX - XXXX. 

However, I am attaching both a screen shot of the XXXX times during that period where I was required to send them pdfs of creditor letters for them to action and a pdf of the email with the attachments. 

As the email and attachments is greater than XXXX, I can not upload, but happy to provide separately upon request. 

Please advise. 
Thank you, XXXX XXXX XXXX ( same address used with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Credit Karma, LLC
State: MN

Complaint narrative:
I was approved for the XXXX XXXX  advance of XXXX if I opened a credit karma checking account. I opened the account and sent my taxes in. Once my taxes were accepted and I was told I would get the advance, I was THEN notified that I was no longer approved for the advance. So now, all my tax money will be put in that account because I cant change the direct deposit info at this point and I also didnt get the advance for opening and account with them and agreeing to have my taxes deposited to that account. Completely a scam/fraud/false advertising/misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I discovered this morning that incorrect accounts have appeared on my credit report, and I have no idea how they got there. When I reviewed my report as I normally do, I was surprised to see unexpected discrepancies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the inaccurate accounts remained. Given this issue, I am requesting a thorough review of the documents Ive provided so that I can have peace of mind moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: ME

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 name : # XXXX, Account name : # XXXX, Account : # XXXX, has violated my rights. 

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 an account with out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish ant 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 non-monetary relief
Consumer complaint received 2025-01-30 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MI

Complaint narrative:
There are late payments reported to my consumer report. According to 15 USC 1681b ( a ) 2 Consumer reports do not include ; 15 USC 1681b ( a ) 2 subsection A ( I ) : Report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I am writing you about the compromising of my social security number. I am a victim of IdentityTheft due to the XXXX Data Breach. I contacted the Federal Trade Commission and filed a complaint # XXXX I also included a signed and notarized copy of my Affidavit of Facts and Truth. I called Transunion and I continuous get stall letters and no investigation or removal of any of the fraudulent accounts and inquires.The information listed, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made or accounts I have opened. It is the result of identity theft. 
XXXX. Identity Theft XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. 
XXXX Date of inquiry : XX/XX/year> XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX Account Number : XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX I sent the letter on this date and asked them to investigate my complaint with my credit report however I did not hear back from them. Its been going on for years they said back then they had a data breach and my credit report and asked me to send in my ID a bill with my name and address on it. Ive done so number is times over and over I even got a subscription with them a couple of times in my credit report was inaccurate and information I got a subscription with other credit reporting agencies. They told me something is going on with Equifax with your credit report. I told Equifax about this situation. They never resolved it at all it is XX/XX/XXXX. Nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief