vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NJ

Complaint narrative:
I requested a refund for a purchase made on XXXX, which was paid through XXXX linked to my Cash App Card. XXXX processed and sent the refund of {$140.00} back to my Cash App Card on XX/XX/scrub> 2025, at XXXX XXXX as confirmed in their transaction details. According to XXXX, the refund should have posted to my Cash App balance by XX/XX/scrub> 2025. 

However, Cash App ( and XXXX XXXX as the card issuer ) has not credited the refund to my account, and their customer support has not provided a clear timeline or resolution. Despite multiple contacts, Cash App continues to delay or ignore the issue, causing undue financial XXXX.

I am requesting CFPBs assistance to ensure Cash App promptly processes and posts this refund as it is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MI

Complaint narrative:
XXXX XXXX is trying to collect a debt that is not mine. This is my mother 's debt. I am the contact for her as she is elderly and ill, but i never signed anything assuming her debts, this is her debt. I have gotten several nasty, threatening calls from XXXX attempting to collect the debt, to which I always referred them to calling my mother. I received a collection in the mail yesterday - I have NEVER gotten a collection in my life and was LIVID at this. 
American profit and recovery has the debt and attempting to collect this debt from me - I have also filed an investigation with them again to prove that this is my debt- they absolutely saw and recognize that this is XXXX XXXX 's debt, but are attempting to collect from me because I was the " primary contact '' for the debt. My mother signed all the responsible party paperwork, she is of sound mind and this is HER BILL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-16 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: LA

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 2025-05-16 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: IL

Complaint narrative:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within 15 days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: MI

Complaint narrative:
Due to a data breach and along with a locked credit file my account received multiple inquiries from XXXX that in fact were unidentified and not authorized by me. I have written a letter to get these inquiries removed and I have yet to receive any information in regards to the inquiries or removals.

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 2025-05-16 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: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
I am filing this complaint regarding SoFi 's final denial of my fraud claim, despite evidence of nearly {$3000.00} in unauthorized transactions on my SoFi debit card. These fraudulent charges occurred between XX/XX/XXXX, and XX/XX/XXXX, totaling {$2900.00}. 

I first noticed the fraud on XX/XX/XXXX, and immediately contacted SoFi. Multiple managers at SoFi told me my account had a new unauthorized user account takeover. I filed multiple fraud reports throughout XXXX, XXXX, and XXXX, including a police report and an FTC Identity Theft Affidavit. I submitted a formal appeal with detailed documentation, including a sworn statement and a complete list of disputed charges. Despite this, SoFi failed to notify me of any updates or the denial of my claim until XX/XX/XXXX, when I followed up. 

On XX/XX/XXXX, I discovered through a SoFi customer service agent that an unauthorized user had been added to my account something I never consented to or was notified about. This access coincided with the beginning of the fraudulent transactions. SoFi allowed this breach without alerting me and continues to hold me responsible for nearly {$3000.00} in unauthorized charges. 

After submitting all documentation, SoFi again denied my claim, stating we still do not find that an error occurred, and refused to issue a refund or provide meaningful help.

Why Im Filing This Complaint : SoFi failed to uphold its responsibilities under the Electronic Fund Transfer Act ( Regulation E ), which protects consumers from unauthorized electronic transactions. 

They : - Did not notify me of the addition of an unauthorized user. 

- Failed to respond to my repeated attempts to resolve the issue. 

- Denied my fraud claim without fully investigating the evidence. 

- Provided no transparency into how the determination was made. 

I am requesting that the CFPB review this complaint and pressure SoFi to issue a full refund of the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Without us putting a fraud alert Chase placed our XXXX XXXX card as Fraud and did not notify up by us by phone, txt or email, and without us knowing, mailed a new card to our home when we were on a long trip out of the country. Chase said we claimed fraud on a purchase, however we did not. After talking to 17 different Chase people ( I have names, dates and what was promised ) who each said they would solve our problem, at no time where we were able to us our card at any during a 35 day trip out of the country as promised. This left us in a significantly difficult situation overseas and unable to purchase food, lodging, etc. There final solution was to wire money which we would be charged a fee and 29 % interest from the date of the wire. We feel this was a predatory action built on their employee incompetence and/or Chase 's systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute and request corrections to the information on my credit report, which I obtained from your bureau. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete data, and I request an investigation into the following items to help me achieve an optimal XXXX XXXX of XXXX or higher. 
Disputed Items and Requests Request : Please verify that this account is accurately reported as " Closed '' with a Paid in Full status, and ensure no late payments or delinquencies are associated with this account. If any late payments or derogatory marks are incorrectly reported, I request their removal. Given that the account is closed, no further late payments should be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute and request corrections to the information on my credit report, which I obtained from your bureau. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete data, and I request an investigation into the following items to help me achieve an optimal XXXX XXXX of XXXX or higher. 
Disputed Items and Requests Request : Please verify that this account is accurately reported as " Closed '' with a Paid in Full status, and ensure no late payments or delinquencies are associated with this account. If any late payments or derogatory marks are incorrectly reported, I request their removal. Given that the account is closed, no further late payments should be reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was charged an annual fee on my credit card on XX/XX/year>. On that same day, I checked the official terms and conditions on the credit card issuers website, which clearly stated there was no annual fee. I saved/downloaded the document and can provide it as evidence. 

Two days later, when questions regarding the fee, the company sent me different terms that now include a fee, and they are refusing to acknowledge or review the version I saweven when I offered to provide a copy.

This feels deceptive and violates fair disclosure practices. I am requesting the annual fee be waived or refunded and that the company explain why the fee terms were different when I accessed them on the day of the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: IL

Complaint narrative:
The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX Please remove it from my credit report.

This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX  Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: IL

Complaint narrative:
The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX Please remove it from my credit report.

This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX  Please remove it 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 non-monetary relief
Consumer complaint received 2025-05-16 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:
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 2025-05-16 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: NY

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

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 2025-05-16 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 am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: MS

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. I did not grant written permission or provide authorization for the following companies to access my credit file. Therefore, these inquiries represent a violation of the Fair Credit Reporting Act ( FCRA ) Section 604.

Please investigate and remove the following inquiries from my credit report immediately : 1. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX In accordance with the FCRA, you are required to verify that each party had a permissible purpose under 15 U.S.C. 1681b. If they can not produce verifiable proof of my consent, these inquiries must be deleted.

Please provide me with written confirmation of the results of your investigation and furnish me with an updated credit report reflecting the removal of these unauthorized inquiries.

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 2025-05-16 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Ava Finance, Inc
State: PA

Complaint narrative:
My information was leaked in multiple data breeches

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-16 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have accounts on my credit report that was based off identity theft issues. Several bad accounts on my report wasnt me. Someone else got a hold of my social security number online and open several accounts. 
XXXX SANTANDER 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 I made several attempts to reach out to these companies but there was no luck on this issue. This has been going on for some years now. I need some help here. Thanks

Company response to consumer: Closed with explanation