vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I filed a dispute with XXXX in regards to my card being fraudulent used at XXXX XXXX. XXXX denied the dispute. I reached out to sofi and there customer service XXXX XXXX XXXX they did not deny the dispute and the transaction was fraudulent. XXXX has yet to provide any follow up or explanation on how to appeal the dispute denial. I had opened this account in XXXX XXXX had an initial deposit of XXXX $ when my balance was around XXXX my account was hacked into and funds were siphoned out continuously until there was only XXXX $ left. Whn i found out due to my own investigation i called and filed a dispute. Someone was able to bypass there XXXX authentication and change my contact info. This created a huge issue as i was not ble to verify my id w the compamy after XXXX different times.SoFi refused to fix the problem .instead they closed my account and sent me a check for the remaining XXXX XXXX When i tried to contact them there hotline is just a runaround and gives no human or automated help w any issues. BUSINESS SYSTEMS AND SECURITY FAILURES a ) Persistent error messages highlight significant system reliability issues. b ) XXXX acknowledged engineering defects but refused to manually process transfers or offer interim solutions to uphold the balance transfer promotion. c ) Phone and online chat systems frequently disconnected abruptly and lacked effective escalation paths to managers or specialized teams equipped to address complex issues. 
d ) Allowing my account to be accessed via fraudulently without the cardholders knowledge or consent demonstrates a serious security flaw. CUSTOMER SERVICE FAILURES a ) Representatives consistently provided conflicting and inaccurate information via submitted through XXXX recommended XXXX XXXX,, were ignored. 
FAILURE TO RESOLVE ISSUES a ) Despite months of escalation requests, no meaningful solutions were offered, error messages persisted, and significant time was wasted. b ) XXXX took no action, allowing the promotional balance transfer incentive to expire. c ) To date, XXXX separate support tickets have been opened, but there was no adequate follow-up or resolution.. 
MISLEADING AND DECEPTIVE COMMUNICATION a ) Communications falsely claimed that issues were resolved, misrepresented facts, and ignored ongoing concerns. b ) XXXX used no-reply email addresses without bounce notifications for replies, effectively blocking direct responses and obstructing resolution.. WIPING OF CUSTOMER RECORDS a ) SoFi erased chat histories without prior notice and refused to restore them, hindering documentation and issue tracking.b ) Despite acknowledging that chat histories remain accessible internally, the deletions appear intended to complicate matters for customers and minimize XXXX accountability : I'm seeking damages and the amount of funds that were stolen and reimbursed to the tune of XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
I found out that 2 of my accounts where marked 90 days late, this is from my department of education loans : DEPT OF ED account has become 90 Days Late Between XX/XX/XXXX and XX/XX/XXXX, your DEPT OF ED student loan account status changed from " Current '' to " 90 Days Late ''. 
DEPTEDXXXX account has become 90 Days Late Between XX/XX/XXXX and XX/XX/XXXX, your DEPTEDXXXX student loan account status changed from " Current '' to " 90 Days Late ''.

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 2025-02-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Your company has placed inquiries on my credit report without my permission, and its causing me a lot of unnecessary financial problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: DC

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Formal Dispute and Complaint Under 15 U.S. Code 1681o for Negligent Noncompliance Dear CFPB Representative, I am submitting this formal dispute and complaint regarding Experians failure to comply with the Fair Credit Reporting Act ( FCRA ), resulting in harm to me. This violation falls under 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), which holds entities liable for failing to adhere to FCRA requirements. 

FCRA Violation and Negligence : The entity mentioned above has acted negligently by failing to comply with FCRA requirements, which has caused harm to me. Specifically, they have : Failed to conduct a proper investigation. 
This negligence has resulted in damages, including denied credit, financial loss, emotional distress, etc.

Relief Requested : I am requesting that CFPB : 1. Conduct an investigation into this matter.

2. Direct Experian to correct the violations and comply with FCRA requirements.

3. Award appropriate remedies as provided under 15 U.S. Code 1681o, including actual damages, attorneys fees, and other relief deemed appropriate.

I appreciate your prompt attention to this matter. Please confirm receipt of this complaint and keep me updated on the investigation. 

Sincerely, XXXX XXXX Let me know if you need any modifications!

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 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC
State: IN

Complaint narrative:
They are still reporting negative remarks on my credit report which is hindering me from purchasing my first home. I was incarcerated when said case was opened so I could not have opened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: WA

Complaint narrative:
Your company has placed inquiries on my credit report without my permission, and its causing me a lot of unnecessary financial problems.

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 2025-02-18 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: MD

Complaint narrative:
XX/XX/XXXX, {$63000.00} Identity Theft XX/XX/XXXX, {$100000.00}, Identity Theft XX/XX/XXXX, {$3300.00}, Identity Theft XX/XX/XXXX, {$3900.00}, Identity Theft XX/XX/XXXX, {$220.00} Identity Theft I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. '' Based On, 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above.

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 2025-02-18 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: MD

Complaint narrative:
XX/XX/XXXX, {$63000.00} Identity Theft XX/XX/XXXX, {$100000.00}, Identity Theft XX/XX/XXXX, {$3300.00}, Identity Theft XX/XX/XXXX, {$3900.00}, Identity Theft XX/XX/XXXX, {$220.00} Identity Theft I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. '' Based On, 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above.

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 2025-02-18 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds without 24 hours stating the account is accurate without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C, 1681i, which mandates a reasonable investigation of disputes. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this items, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/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 2025-02-18 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: AR

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, Equifax & XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
On or about XXXX XXXX, XXXX Square Inc ( aka XXXX XXXX processors ) revoked my access to funds charged for therapy services from my company. I have been a client of Square since XXXX and even have a business loan from them as proof of our stability as a legitamite company. On this day approximately {$4800.00} was in the XXXX account and was shut down unexpectedly citing " fraud. '' I am a small business owner and have independent contract therapists to pay and was told I would have to wait indefinitely for fraud investigation to take place and may or may not receive my money sometime in XXXX or XXXX. I can not run my business this way and have since transferred my credit card processing services to XXXX XXXX banking where I also have my business accounts. Please someone help me. I am frantic over this and don't understand why after all of this time as a Square client this happened. I am not able to see my funds in the account any more and most recently my rights to my account were cut off so I have XXXX access to my funds. Thank you for anything you can do to help me. Sincerely, XXXX XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a victim of identity theft, I am writing to challenge the unauthorized reinsertion of a tradeline for a charged-off account, originally removed following my identity theft report. The reinsertion of this tradeline on my credit report has been done without proper verification and notification, in direct violation of the Fair Credit Reporting Act ( FCRA ).

Section 605B of the FCRA ( Identity Theft Provisions ) : This section mandates the blocking of any information appearing on a consumer 's credit report that is a result of identity theft. Once I have identified myself as an identity theft victim and have provided appropriate documentation ( i.e., a police report ), the credit reporting agency must remove the fraudulent entries from my credit report within four business days.

Section 611 ( a ) ( 5 ) ( B ) of the FCRA ( Requirements Relating to Reinsertion of Previously Deleted Material ) : This provision states that no information may be reinserted into a consumers credit report once it has been removed, unless the information is verified as accurate. The credit reporting agency must also notify me in writing no later than five business days before reinserting the previously deleted information.

Section 623 ( a ) ( 2 ) of the FCRA ( Responsibilities of Furnishers of Information ) : Under this section, furnishers are required to ensure the accuracy and integrity of the information provided to credit reporting agencies. If an item is altered or deleted because of a dispute, it should not be reinserted without subsequent verification that it is accurate and complete, and without notifying the 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 2025-02-18 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: Westcreek Financial
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. WC / KOALAFI XXXX I looked at my XXXX , XXXX & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 explanation