vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 stress. 

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 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 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened acct last week with money transferred from my XXXX account, and since yesterday, XX/XX/XXXX, I've been given contradictory information by two separate customer service representatives. First, I was told last night that a system problem prevented access to my account. Then, today, I was informed the outage started today, and that newly opened accounts wouldn't be restored for at least 72 hours. To make matters worse, I was explicitly told that no branch could assist me in person. This lack of transparency is unacceptable. If it's standard practice to restrict access to new accounts until a debit card is active, a clear disclaimer is essential, such as : " Please note you will not have access to your account until your debit card is active. ''

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 2025-07-24 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: NV

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-24 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: NV

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint because Affirm is reporting late payments on my credit report for an account that was included in my bankruptcy, which has already been officially discharged by the court. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are not permitted to report late payments that occurred after the bankruptcy filing date on accounts included in the bankruptcy. These late payments are inaccurate and are negatively impacting my credit profile. 

I have contacted Affirm directly and provided proof, including my bankruptcy discharge order, but the inaccurate reporting has not been corrected. I am requesting that Affirm immediately remove all negative reporting related to this account from XXXX XXXX XXXX XXXX, and cease any further inaccurate reporting. 

I have attached a copy of my bankruptcy discharge order and supporting documentation. I ask that the CFPB take appropriate action to ensure this matter is resolved quickly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am filing a formal complaint against Speedy Cash, a payday lender operating in Texas.

I originally borrowed {$1000.00} from Speedy Cash and have now repaid over {$2500.00}. Despite this, they claim I still owe money. The APR on this loan appears to be well above 600 %, which is excessive and predatory, especially considering the original loan amount.

I have also formally revoked authorization for Speedy Cash to withdraw funds from my bank account under the Electronic Fund Transfer Act ( Regulation E ). I requested a full payoff statement showing principal, fees, and interest and have not received a clear or reasonable breakdown. 

I believe Speedy Cash is violating Texas consumer lending standards by : Charging excessive and abusive interest and fees Failing to provide transparent loan terms or payoff info Attempting to continue withdrawals after revocation I am requesting that this case be reviewed for potential predatory lending, unfair debt collection practices, and failure to comply with federal banking protections. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Dear CFPBXXXX I am writing to formally file a complaint against Goldman Sachs for intentionally obstructing my legitimate withdrawal requests and failing to communicate effectively, which raises serious concerns about their financial stability and customer service practices.

Issue Summary : 1. Unjustified Hindrance of Withdrawals : On XXXX XXXX XXXX, I initiated a transfer of {$3000.00} from my Savings account to my external bank ( XXXX XXXX XXXX ). Despite the transaction being marked as " In Progress, '' the funds have not been processed within the stated 13 business days. Goldman Sachs has repeatedly delayed or blocked my withdrawals under vague pretenses, effectively holding my funds hostage.

2. Failure to Communicate : Goldman Sachs claims they attempted to contact me regarding my Savings account ( see attached correspondence : XXXX ). However, I received no calls, emails, or messages from them. Their lack of transparency suggests deliberate stalling tactics. 

3. Pattern of Behavior : This is not an isolated incident. Similar delays have occurred with prior withdrawal requests ( e.g., the {$7000.00} transfer on XXXX XXXX XXXX which was marked " Completed '' but faced unexplained delays ), forcing my funds to remain in their institution longer than necessary. Given recent market uncertainties, I am deeply concerned that Goldman Sachs may be facing liquidity issues or insolvency risks. 

Demands : - Immediate processing and release of my {$3000.00} and all pending funds.

- A written explanation for the repeated withdrawal obstructions.

- Assurance that no further barriers will be imposed on my account.

Attached Evidence : 1. Screenshot of the " In Progress '' transfer ( XXXX ). 
2. Screenshot of the earlier " Completed '' transfer with delays ( XXXX ). 
3. Goldman Sachs ' unsubstantiated claim of attempted contact ( XXXX ). 

This behavior violates consumer protection laws and erodes trust in financial institutions. I urge CFPB/BBB to investigate Goldman Sachs ' practices and hold them accountable. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened 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 2025-07-24 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: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-07-24 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: GA

Complaint narrative:
My name is XXXX XXXX. My DOB is XXXX. My Social Security Number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX, XXXX XXXX XXXX ( Equifax, Experian, and TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Equifax and TransUnion : XXXX * * * * ), XXXX XXXXXXXX ( Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported reported due to identity theft ), and XXXX XXXXXXXX ( Experian : XXXXXXXX XXXX XXXX XXXX XXXX also reported due to identity theft ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy 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 result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
An account that is fraudulent and unauthorized is being reported under my name. I did not create or use this account, and I am not liable for any associated balances or activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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, 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 XXXXe Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. 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 information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-24 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: TX

Complaint narrative:
I am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by credit bureaus and furnishers currently reporting inaccurate, outdated, and unverified information on my credit reports. 

Several accounts listed on my Experian, TransUnion and Equifax reports are being reported incorrectly or in violation of federal law, including : XXXX XXXX XXXX XXXX reporting a balance despite being discharged in bankruptcy XXXX XXXX XXXX XXXX XXXX reporting a charged-off account with inconsistent data and no collector validation XXXX XXXXXXXX XXXX XXXX XXXX reporting late payments after closure and charge-off XXXX XXXX XXXX XXXX XXXX  XXXX, and others showing over-the-limit charges, inaccurate balances, and duplicate or unverifiable statuses Incorrect personal identifiers and account labeling inconsistent with account history These entries have not been updated, corrected, or removed despite being : Discharged in bankruptcy ( violating 11 USC 524 ( a ) ( 2 ) ) Unverifiable under 15 USC 1681i ( a ) ( 1 ) Inaccurate under 15 USC 1681e ( b ) Obsolete under 15 USC 1681c ( a ) ( 1 ) In some cases, unvalidated debts under 15 USC 1692g ( FDCPA ) Steps I Have Taken : Sent formal dispute letters to both Experian and Equifax under FCRA 1681i ( a ) ( 1 ) Sent debt validation letters to known collection agencies under FDCPA 809 Included detailed requests for reinvestigation, deletion, and/or correction of the reported data Requested updates per FCRA 1681i ( a ) ( 5 ) ( B ) and notification under 1681i ( a ) ( 6 ) ( B ) ( iii )

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 2025-07-24 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 writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: MT

Complaint narrative:
I'm on a payment plan but they have called me everyday for months. It started on XXXX  and has been almost every single day since. I've blocked the number but they still get through. It is called Harris & Harris XXXX and they call from XXXX, it's always an automated woman named " XXXX XXXX ''. I've answered a few times to tell them to stop but it's never a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I was pre approved for a XXXX XXXX credit card. I was asked to provide additional documents which I did. Drivers license, Recent Bank Statement & Social Security Card. I was denied an account for no apparent reason

Company response to consumer: Closed with explanation