vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: MA

Complaint narrative:
I am filing a formal complaint against Experian for its continued failure to accurately report my credit information, despite multiple disputes and supporting documentation. Experians actions have not only harmed me financially but also contribute to systemic economic discrimination that disproportionately affects the XXXX community. 
I am a documented survivor of human trafficking and have provided Experian with all necessary paperwork to correct inaccurate and harmful information on my credit report. XXXXXXXX XXXX  has worked directly with me to remove incorrect negative items, and XXXXXXXX XXXX has properly closed my account in good standing. Despite these positive changes, my credit score dropped by XXXX pointseven though I have done nothing financially wrong. This unjustified decline is directly harming my ability to access financial opportunities and rebuild my life. 
I have also explicitly requested that Experian cease reporting and sharing my credit information, as their inaccurate reporting is actively damaging me. Yet, they continue to report false information, disregarding both my legal rights under the Fair Credit Reporting Act ( FCRA ) and the corrective actions taken by my banks. 
I am requesting the CFPB to : 1. Investigate Experians refusal to correct my credit report despite clear evidence.

2. Enforce penalties against Experian for failing to comply with federal credit reporting laws. 
XXXX. Require Experian to cease reporting and sharing my credit information, as their actions are causing ongoing harm.

Experians negligence is not only impacting me individually but is part of a larger pattern that keeps XXXX individuals and marginalized communities economically disadvantaged. Their refusal to properly update my credit file has unfairly lowered my score and limited my financial mobility. I urge the CFPB to take immediate action to hold Experian accountable. 
Thank you for your time and attention to this urgent matter. 
Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-21 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: OH

Complaint narrative:
I accidentally made a reservation for a hotel. The reservation was cancelled immediately and the charge was still put through as if I stayed there. 
I never stayed at the hotel I have proof of the times the reservation was made vs. when it was cancelled. Many times I have submitted this proof and I have made efforts to rectify this situation. Multiple times they denied my claim. They email requests for more info by email reply and when it is sent the email comes back rejected. 
I literally reply from the email it was sent from. 
The last time I contacted them I was abruptly dismissed. I am tired of the back and forth. 

XX/XX/XXXX XXXX first dispute of charge Provisional credit given XX/XX/XXXX XXXX provisional credit reversed. 
Second dispute with photo proof provided Provisional credit given XX/XX/XXXX XXXX provisional credit reversed 3rd dispute started photo proof again given assured that this time it should be resolved Provisional credit given XX/XX/XXXX XXXX provisional credit reversed 4th dispute started photo evidence sent. Email request made by company to send in same proof by replying to email. When replying to email it says use the email it was sent to which I was doing. 
Provisional credit given XX/XX/XXXX XXXXprovisional credit reversed 5th dispute made dismissive customer service Proof provided Provisional credit given. 
I shouldnt have to do this every couple of months!

Apple Goldman Sachs XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : Unknown # XXXX XXXX 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 2025-03-21 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: PA

Complaint narrative:
On my credit profile I noticed some hard inquiries that are 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 explanation
Consumer complaint received 2025-03-21 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
**Complaint : Suspected Internal Data Breach at SoFi** I am writing to report a suspicious incident involving unauthorized charges on my SoFi credit card account, which I believe may be indicative of an internal data breach. On XXXX XXXX I discovered three unauthorized charges on my account, totaling {$200.00}, from agoda.com. Despite reporting these charges to SoFi promptly, I have experienced significant delays and frustration in resolving this issue. 

**Incident Details : ** The unauthorized charges were made on XX/XX/XXXX, and I reported them to SoFi . However, it took SoFi over long time to request additional information from me, which I received via mail on XX/XX/XXXX. I found it unusual that SoFi would request a police report and other information, which suggests that they may be trying to shift the blame away from their own internal systems. 

**Suspicious Circumstances : ** The circumstances surrounding the unauthorized charges are highly suspicious. The credit card is kept at home, making it unlikely that the breach occurred through external means. I do not use the card for online transactions, and I am certain that I did not authorize the charges. The fact that the charges were made on the same day, and from the same merchant, suggests a high degree of sophistication and insider knowledge. 

**Internal Data Breach : ** Given the suspicious circumstances and the delayed response from SoFi , I strongly suspect that this incident is the result of an internal data breach. It is possible that SoFi 's internal systems were compromised, allowing an unauthorized party to access my account information and make the fraudulent charges. I believe that SoFi 's lack of transparency and cooperation in resolving this issue may be indicative of a cover-up, and I request that the CFPB investigate this matter further.

**Request for Investigation : ** I request that the CFPB investigate this incident and determine whether SoFi 's internal systems were compromised, resulting in the unauthorized charges. I also request that the CFPB examine SoFi 's security measures and practices to prevent similar breaches in the future. Furthermore, I request that SoFi take immediate action to refund the unauthorized charges and provide compensation for the inconvenience and distress caused by this incident. 

**Conclusion : ** In conclusion, I believe that the suspicious circumstances surrounding the unauthorized charges on my SoFi credit card account, combined with SoFi 's delayed and uncooperative response, suggest a high likelihood of an internal data breach. I urge the CFPB to take immediate action to investigate this matter and protect consumers from similar breaches in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: SC

Complaint narrative:
XXXX XXXX BANK XXXX XXXX XX/XX/year> XXXX XXXX BANK XXXX XXXX XX/XX/year> XXXX BANK XX/XX/year>

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 2025-03-21 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: SC

Complaint narrative:
XXXX XXXX BANK XXXX XXXX XX/XX/year> XXXX XXXX BANK XXXX XXXX XX/XX/year> XXXX BANK XX/XX/year>

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 2025-03-21 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: AL

Complaint narrative:
Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/scrub>XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

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 2025-03-21 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXXATA 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. 



UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian

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 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Collector calls daily between XXXX XXXX pacific time. XXXX is the representative He calls hourly and sometimes back to back if I send him to voicemail. 

He leaves multiple messages a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm trying to finance a Motorcycle, and when the bank attempts to run my credit it says It's locked. I called the Experian number and got an automated system, when I went to unlock my credit it said it was unlocked. I've been trying to talk to a representative with Experian about my account but, the automated system won't transfer you to someone. it states it can only transfer you for certain things and asks if you want to proceed or you can hang up.

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 2025-03-21 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : CXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Fraudulent Lease Account on Credit Report Dear Credit Reporting Company , I am writing to formally dispute the inclusion of an account on my credit report for a lease with XXXX XXXX XXXX ( Account Number : XXXX ). I have reviewed my records and can confirm that I never entered into any lease agreement with this company, nor did I sign any documents or contracts with them. 

Given that the account in question is a fraudulent entry, I am requesting that it be immediately removed from my credit report in accordance with 15 U.S.C. 1681i, which mandates that credit reporting agencies investigate and remove any inaccurate information. If the information can not be verified as accurate, it must be removed. 

Under 15 U.S.C. 1681e ( b ), you are required to maintain accurate procedures to ensure that the data on consumers ' credit reports is correct. If this account is not verifiable, you must remove it immediately. Furthermore, under 15 U.S.C. 1681n, I am entitled to pursue statutory damages for any willful failure to comply with the requirements of the FCRA. 

Additionally, I request that the company reporting this lease provide verifiable proof that this account is mine, including the chain of assignment/custody and the original signed lease agreement with my signature. If this documentation is not provided, I demand that this account be removed from my credit report. 

Please be advised that failure to remove the fraudulent account may result in legal action under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, which criminalizes the fraudulent use of personal information. 

I expect prompt resolution of this matter and confirmation of the removal of the account in question from my credit report. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
I have fraudulent charges on my card and it was Denied and I didn't make the charges they took money from me and I dispute it but it was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-03-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief