vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: NC

Complaint narrative:
I have provided evidence that : 1. At XXXX XXXX  on XX/XX/year>, a charge was made in the amount of {$280.00}, by XXXX XXXX us. This charge was neither made nor authorized by me. I had never dealt with the merchant or its payment processor. 
2. At XXXX and XXXX, the criminal attempted additional purchases of {$520.00} and then {$270.00}, both of which were declined by Goldman Sachs as suspicious. 
3. I was concurrently sent emails by Goldman Sachs advising me, A recent virtual card transaction attempt on your account was declined because it was deemed suspicious and your virtual card spending is temporarily restricted until you take action. 
4. I contacted Goldman Sachs via the App at XXXX on XX/XX/year> to report the fraud. The card number was changed, and the {$280.00} charge, not yet posted, was flagged to be refunded. 
5. I contacted the merchant and informed them the purchase was fraudulent.

6. I subsequently learned the scam was to purchase a token item ( to be delivered to my address ) along with a gift card which undoubtably was just a number provided to the criminal. 
7. I received notice of shipping from the merchant, and informed them it would be refused.

8. I placed a note on the door informing XXXX that the shipment was being refused, but they left it anyway. The package remained outside until XXXX picked it up to return, per their refused policy. A video of the XXXX employee picking it up is the evidence of the return. 
9. Months later, the original dispute was declined, reopened, and I uploaded copious documentation.

10. Months later, that was declined, and reopened again.

11. Months later, that was declined, once again, because there is no evidence to substantiate the claim. Dispute reopened yet again. 
12. In the interim, Goldman Sachs has been cited by the Consumer Financial Protection Bureau for failing to conduct reasonable investigations for disputes.

13. Months later, again declined. Again reopened. 

Goldman Sachs properly identified the additional attempted purchases as suspicious, and handled the change in card number and initial credit quite properly. It has been a nightmare since ... purchases suspicious enough to lock the card, for me to identify the initial charge as fraud, and to change the card number ( within 3 hours ), and to decline dispute with there is no evidence. 

To be very clear, the {$280.00} charge was unauthorized and immediately reported as such. Goldman Sachs had abundant reason to believe it was fraudulent, as they declined additional purchases from the merchant three minutes later. I have been repeatedly told You're never responsible for unauthorized transactions on Apple Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Mar Joe Enterprises
State: TX

Complaint narrative:
THE CREDIT COMPANIES ARE NOT COMPLYING WITH THEIR OWN POLICIES IN A TIMELY MANNER

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
To Whom It May Concern, Account XXXXXXXX XXXX XXXX XXXX XXXX. Please be advised that I am formally disputing the validity of the alleged debt referenced above. I am also exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, which restricts your ability to contact me, and 1692g, which gives me the right to dispute and request validation of this alleged debt. Pursuant to 15 U.S.C. 1692g ( b ), I request that you provide written verification and validation of the debt, including but not limited to : 1. The name and address of the original creditor ; 2. The full amount of the alleged debt, including a breakdown of any fees, interest, or other charges ; 3. A copy of any document bearing my signature or agreement that substantiates the debt ; 4. Proof that you are legally authorized to collect debt in my state. Until you provide the requested validation, you must cease all collection efforts and communications with me, as outlined in 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. If you continue to report this alleged debt to any credit reporting agency without proper validation, you will be in violation of the Fair Credit Reporting Act ( FCRA ) as well as the FDCPA, and I will not hesitate to report this matter to the Federal Trade Commission ( FTC ), and my state attorney generals office.

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 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
Opened a XXXX  account on XX/XX/XXXX. I went through all the XXXX XXXX  ( know your customer ) identity verification. I added my bank account. I made a small purchase of {$20.00} in XXXX  to test the platform before I committed to larger amounts. I logged back in on the XXXX and XXXX just to check my account to ensure the transaction was going through. I attempted to log in on the XXXX of XXXX, to find my account was frozen. 

I submitted a claim ticket that same day and provided the XXXX  for the claim ticket, consisting of a selfie with a handwritten note with their specific requested code and the date. I recieved an email back 4 days later on XX/XX/XXXX, saying their support team were going to look into my issue. It has been 3 weeks now and I haven't received any response back. I have requested a status update multiple times and no one is contacting me back. 

I have gone to their XXXX  forum for support and I still do not receive any responses. My account shows as verified. There is no reason for my account to be locked, frozen or deactivated. I want answers as to why my account was locked, I want my account unlocked to either transfer my XXXX balance off the platform, or I want a refund of my initial {$20.00} purchase and my account unlocked so I can then close my account. 


I have received no answers from the company as to what is going on with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding the sudden and unexpected closure of my credit account ( s ) by Citi Bank. 

On XX/XX/year>, I discovered that my accounts with Citi Bank had been closed without prior notice or adequate explanation. I was not informed beforehand, and only became aware of the closures after I had a transaction declined and checked my credit report. 
This closure has had a negative impact on my financial situation and my credit profile. Specifically : this has caused my credit score to drop significantly and the cards that I have used to pay my bills are no longer available which made me miss payments because the notice of closures. 
On XX/XX/year> I called Citi Bank to try to reinstate the account and get transparency on why the account was closed. Citi Banked refused to provide a clear reason for closure or account reinstatement.

I believe this action may constitute an unfair practice, as consumers should be given adequate notice and explanation before such impactful decisions are made. I respectfully request that the CFPB investigate this matter and require Citi bank to provide a full explanation of its actions, restore my account ( s ) if possible, and ensure that my credit history is not unjustly harmed. 

Please let me know if you require any additional documentation, such as account statements, correspondence, or credit report details. I am prepared to provide these materials upon request. 

Thank you for your time and attention to this matter. I look forward to your response.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Re : Request for Disclosure, Maximum Procedure Confirmation & Opt-Out of Nonpublic Information Sharing To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the GrammLeachBliley Act ( 15 U.S.C. 6801 ).

I hereby request the following : 1. Disclosure & Maximum Procedure Confirmation A full description of the procedures you maintain to ensure the maximum possible accuracy and fairness in the reporting of consumer information. 

Written confirmation of the administrative, technical, and physical safeguards you maintain for the protection of my nonpublic personal information, as required under 6801.

Identification of the sources of my information, the parties to whom my consumer file has been disclosed in the past 12 months, and the procedures you employ to correct inaccuracies and prevent unauthorized disclosures. 
XXXX. Opt-Out Request This letter also serves as my formal election to opt out of the disclosure of my nonpublic personal information. 
Please provide written confirmation that my opt-out election has been received, processed, and applied to my file. 

Confirm the effective date of my opt-out status, its duration, and any renewal or extension procedures that may apply.

This request is made under federal law. Please provide your full written response within the statutory timeframe of 30 days. 

Enclosed are copies of my government-issued identification and proof of address for verification. 

Failure to comply will be considered a violation of the Fair Credit Reporting Act and the GrammLeachBliley Act, subject to remedies provided by law. 

Thank you for your prompt compliance. 

Sincerely, 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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally disputing the reporting of outdated, inaccurate, and unverifiable personal information on my credit file, including former names, previous addresses, and obsolete employment records. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and in accordance with judicial precedent affirming the obligation of credit reporting agencies to maintain accurate and relevant consumer information ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under FCRA 1681e ( b ), credit reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Inclusion of outdated or unverifiable data constitutes a clear violation of this duty. Furthermore, FCRA 1681i ( a ) requires that CRAs investigate disputed information and update or delete unverifiable data within the statutory investigation period of 3045 days. Outdated information is inherently misleading, irrelevant, and materially harms my creditworthiness.

I hereby demand the following : 1. Immediate deletion of all outdated, inaccurate, or unverifiable names, addresses, and employment records from my credit report.

2. Written confirmation of the deletion and updated reporting in accordance with the FCRA-mandated investigation period.

Please be advised that failure to comply will result in : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Civil litigation seeking statutory and actual damages, attorneys fees, and costs under FCRA 1681n and 1681o.

Potential escalation to state regulatory authorities for violations of consumer protection laws.

Attached are documents verifying my current, accurate personal information, including proof of current name, address, and employment. I expect your prompt attention and resolution in full compliance with the FCRA.

Sincerely, 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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am formally disputing the reporting of outdated, inaccurate, and unverifiable personal information on my credit file, including former names, previous addresses, and obsolete employment records. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and in accordance with judicial precedent affirming the obligation of credit reporting agencies to maintain accurate and relevant consumer information ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under FCRA 1681e ( b ), credit reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Inclusion of outdated or unverifiable data constitutes a clear violation of this duty. Furthermore, FCRA 1681i ( a ) requires that CRAs investigate disputed information and update or delete unverifiable data within the statutory investigation period of 3045 days. Outdated information is inherently misleading, irrelevant, and materially harms my creditworthiness.

I hereby demand the following : 1. Immediate deletion of all outdated, inaccurate, or unverifiable names, addresses, and employment records from my credit report.

2. Written confirmation of the deletion and updated reporting in accordance with the FCRA-mandated investigation period.

Please be advised that failure to comply will result in : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Civil litigation seeking statutory and actual damages, attorneys fees, and costs under FCRA 1681n and 1681o.

Potential escalation to state regulatory authorities for violations of consumer protection laws.

Attached are documents verifying my current, accurate personal information, including proof of current name, address, and employment. I expect your prompt attention and resolution in full compliance with the FCRA.

Sincerely, 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 2025-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I have made a prior complaint through here. That the amount XXXX was asking for was not correct along with other things. The collection was taken off my credit report and it just appeared on it again I believe from a different debt creditor. They also dated this debt XXXX XXXX, XXXX  and it is and old debt I had filed a complaint here in XXXX so that is also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: NY

Complaint narrative:
My Aunt passed away, there was no money left in the estate. We were left with over XXXX in debt. I provided all necessary parties with a copy of the death certificates. I keep getting letters sent to my address in a different state. The latest was from XXXX XXXX. In addition I get daily calls from XXXX collection agency. I have repeatedly told them there is no money in the estate, with a response sorry for you loss, if you could send us a copy of the death certificate we will handle this from our end. There way of handling it is calling the next day and continually sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: TX

Complaint narrative:
Disputed dept file # XXXX. Acct # XXXX. American Coradius Int. LLC. claim to report the validation of acct. # XXXX. American Coradius Int. LLC submitted printed statements to an acct # XXXX to label as validation of said account for {$4700.00}, Statements is not validations of all legal proof. Relevant documents have not been submitted. American Coradius Int. LLC has failed to submit accuracy proof that this disputed account is legally validated { 1 } The original signed contract bearing my signature and charge date. [ 2 ] Proof that you are legally authorize to collect in the State of Texas. [ 3 ] Notarized documentation proving your legal standing to collect this debt, Under U.S.C. 1681b [ Permissible Purpose ].

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I submitted XXXX FTC Identity Theft Reports ( Nos. XXXX and XXXX ) and a Chicago Police Department Summary Incident Report ( Report # XXXX ). XXXX  previously blocked and removed the following fraudulent accounts after I provided documentation, but XXXX  reinserted them in XX/XX/year> without providing the certified proof required by law : XXXX Account XXXX {$21000.00} charged off / {$17000.00} past due ( Balance updated XX/XX/year> ). 
XXXX Account XXXX {$6300.00} charged off / {$5600.00} past due ( XXXX updated XX/XX/year> ). 
XXXX XXXX Account XXXX {$7400.00} charged off ; showing Paid, Closed. 

XXXX reinsertion notice claims I agreed in writing, made a payment, or benefited from the transaction, but XXXX  has not produced any certified proof, signed agreement, or other lawful verification only an automated reply. I have attached copies of my FTC Identity Theft Reports, the Chicago PD report, screenshots of XXXX  account pages showing the accounts and reinsertion dates, and prior dispute confirmations. 
I filed multiple disputes with XXXX  and uploaded FTC Identity Theft Reports ( Nos. XXXX and XXXX ) and XXXX XXXX report XXXX. XXXX  removed the items previously but reinserted them without proof. I have attached copies of the disputes, XXXX  responses ( automated ), and screenshots showing the reinserted accounts and reinsertion dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to dispute fraudulent and inaccurate information on my credit report due to identity theft. The negative accounts and inquiries listed do not belong to me and were opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and the permanent removal of all accounts, inquiries, and negative items related to this identity theft.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to dispute fraudulent and inaccurate information on my credit report due to identity theft. The negative accounts and inquiries listed do not belong to me and were opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and the permanent removal of all accounts, inquiries, and negative items related to this identity theft.

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