vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
On XX/XX/XXXX, my credit card information was stolen as part of a scam. I immediately disputed the {$7600.00} transaction and contacted XXXX XXXX XXXX XXXX report the stolen card. I filed a police report that same day. I also changed my virtual card number to prevent further transactions using my information. I placed a fraud report on all three of my credit reports. I provided all of this documentation via a support chat and through email, as directed, that same day. 

On XX/XX/XXXX, Goldman Sachs informed me that my dispute was denied. They said they never received any documentation for this dispute. I submitted my documentation again. I also submitted statements and evidence regarding that this " business '' did not exist. 

On XX/XX/XXXX, Goldman Sachs again informed me that my dispute was denied, AGAIN due to a lack of documentation. They said they did not receive my documents AGAIN. I resubmitted the documents and confirmed they were received on XX/XX/XXXX and again on XX/XX/XXXX. 

On XX/XX/XXXX, I received another dispute denial. I called the dispute center to ask why they denied my dispute. The agent indicated there was no documentation to substantiate my claim. He further indicated that he could see the documentation I submitted on XX/XX/XXXX, but it was likely the back office did not review the documentation due to the type of dispute. The agent reopened my claim, filed a complaint on my behalf, and transferred me to a supervisor when I mentioned I was filing a complaint with CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My account was closed without my knowledge and a check minus taxes was sent. I have tried to transfer this account before, and gave all the paperwork but it did not transfer, I dont know why. I left the account there. Its been 11 years and the account was just closed. I have a end of year statement and a letter saying it would be rolled over as usual but it was closed due to updating the account. 

My money should be transferred as requested into my XXXX taxed advantaged. I do not want nor agreed to a check with the taxes paid on my tax advantaged account. 

This account was created as a taxed advantaged account from when my mom died. I do not agree to being penalized for keeping it an IRA in BOA, after trying to get them to transfer to my XXXX, but then they close the account without my consent or knowledge. Especially since I did all the work to get it transferred in 2014 but they refused to for some reason I am not told. 

I was on the phone over an hour getting transferred around and having problems getting authenticated as well.

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 monetary relief
Consumer complaint received 2025-05-02 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: GA

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 2025-05-02 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: TX

Complaint narrative:
I disputed two transactions and provided evidence from the merchant I shouldnt have been charged and sent it to SoFi. It has now been over 10 business days and SoFi has not updated me on my dispute of provided a provisional credit for the fraudulent transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) the following account are being reported incorrectly as an open account on my credit report. 

This account is being reported as a collection account, but the account type is being reported as open. Account : XXXX XXXX XXXX Account # : XXXX XXXX This account is being reported as a collection account, but the account type is being reported as open. Account : XXXX XXXX XXXX Account # : XXXX XXXX This account is being reported as a charge off account, but the account type is being reported as open. Account : XXXX XXXX XXXX XXXX Account # XXXX XXXX  This is inaccurate reporting and needs to be deleted/removed off 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 2025-05-02 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: DC

Complaint narrative:
Good Morning, I need ti file a complaint against the company Experian. 
In XXXX of XXXX  i requested that the company validate some duplicate accounts on my credit report and I havent received and correspondence regarding the matter. In XXXX of XXXX  i followed up with an Experian dispute form XXXX making the company aware this information is incorrect. Overall it has been 4 months and the company has yet to verify the duplicate accounts below : XXXX. XXXX # XXXX. XXXX. XXXX # XXXX. XXXX. XXXX  $ XXXX. Please assist me with the matter this information is gravely affecting my livelihood. Thank you for all your help.

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 2025-05-02 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: MD

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: PA

Complaint narrative:
Dispute of Inaccurate Charge-Off Information -Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX According to the law US code XXXX XXXX debt collector must send a written notice to the consumer within XXXX  days of first contacting them about a debt. They never contact me about this debt. Also, a notice must include the amount of the debt, the name of the creditor and a statement that the debt will be assumed valid if the consumer doesn't dispute it in XXXX  days. I never received any documentation on this account

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 2025-05-02 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: PA

Complaint narrative:
Dispute of Inaccurate Charge-Off Information -Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX According to the law US code XXXX XXXX debt collector must send a written notice to the consumer within XXXX  days of first contacting them about a debt. They never contact me about this debt. Also, a notice must include the amount of the debt, the name of the creditor and a statement that the debt will be assumed valid if the consumer doesn't dispute it in XXXX  days. I never received any documentation on this account

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 2025-05-02 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-05-02 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) the following account are being reported incorrectly as an open account on my credit report. 

This account is being reported as a collection account, but the account type is being reported as open. Account : XXXX XXXX XXXX Account # : XXXX XXXX This account is being reported as a collection account, but the account type is being reported as open. Account : XXXX XXXX XXXX Account # : XXXX XXXX This account is being reported as a charge off account, but the account type is being reported as open. Account : XXXX XXXX XXXX XXXX Account # XXXX XXXX  This is inaccurate reporting and needs to be deleted/removed off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-02 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
To Whom It May Concern, This letter serves as my third formal dispute notice under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and unverifiable information listed on my credit report. Despite multiple prior attempts to resolve these issues, the following items remain uncorrected and continue to negatively affect my creditworthiness. 
Items in Dispute : 1. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$290.00} Issue : This account is reporting a late payment that I do not recognize. I am requesting full verification, including a copy of the original signed agreement and a detailed payment history. If such documentation can not be provided, this entry must be deleted under FCRA 609 and 611. 
2. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$690.00} Issue : This account is showing as charged off. I demand proper validation of the debt and a breakdown of how the charge-off occurred. If you can not provide full validation and documentation, this item should be removed immediately as per FCRA 611. 
3. Hard Inquiries Unfamiliar and Unauthorized o XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Issue : These hard inquiries were not authorized by me and are not related to any credit application I knowingly submitted. Under FCRA 604, consumer reporting agencies are prohibited from furnishing a report without permissible purpose. I request the immediate removal of these inquiries unless full authorization records are provided.

________________________________________ Fair Resolution Requested : I am requesting that each disputed item listed above be investigated thoroughly. Any information that can not be fully verified with legitimate documentation should be permanently removed from my credit report. Please provide me with written confirmation of the results of your investigation and updated copies of my credit file. If these items are not resolved within the timeline required by law, I will be forced to escalate
this matter to the Consumer Financial Protection Bureau ( CFPB ) and may consider seeking legal remedies under the FCRA. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: IN

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-05-02 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-05-02 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
They have been discriminating against me and holding my money they are very disrespectful the representatives and they are XXXX XXXX via phone calls this bank is the worst they are withholding my money and singling me out cause of my XXXX preference

Company response to consumer: Closed with explanation