vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
On XX/XX/year>, my Apple Credit card notified me of a fraudulent charge that occurred on XXXX. The first attempt was for {$480.00}, that attempt did not go through because it was the incorrect security code. There was a second attempt that did go through and was processed for {$340.00}. Tickets were purchased in a whole different state that I live in. Immediately, I reached out to XXXX and let them know this happened to my account. They told me this was escalated to their upper management and I was supposed to hear back. I did not hear back. When I called XXXX back, I asked them to send me an email confirmation of the conversation we had so I could retain proof that I discussed this with XXXX. XXXX was not helpful, they told me it was not their job to provide proof. They told me it was XXXX 's responsibility to investigate what happened. Apple card was asking ME for evidence. No one was doing their due diligence here when I was providing evidence from both ends. I did not accept or touch these tickets in my XXXX because I did not do this purchase. XXXX can not give me an explanation as to why they are finding this as an authorized charge when I have provided evidence this was not me. Now, I have the {$340.00} charge on my card yet again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 

XXXX XXXX Date of inquiry : XX/XX/2024 XXXX  Date of inquiry : XX/XX/2024 XXXX Inquiry Date : XX/XX/2024 XXXX XXXX Inquiry Date : XX/XX/20XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2XXXX XXXX Date of inquiry : XX/XX/2024

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 2025-06-17 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: NY

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 

XXXX XXXX Date of inquiry : XX/XX/2024 XXXX  Date of inquiry : XX/XX/2024 XXXX Inquiry Date : XX/XX/2024 XXXX XXXX Inquiry Date : XX/XX/20XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2XXXX XXXX Date of inquiry : XX/XX/2024

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 2025-06-17 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: NC

Complaint narrative:
I am a victim oXXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and XXXX me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
This letter is a formal demand for the immediate deletion of unverified, inaccurate, and non-compliant information currently reported in my credit file. Your failure to ensure factual accuracy, lawful reporting, and Metro 2 compliance is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The credit report I obtained contains materially false information that has not been properly validated, fails to meet accuracy requirements under FCRA 1681e ( b ), and reflects severe deficiencies in your reporting practices. Generic or incomplete responses to disputes do not satisfy your legal obligation to perform a reinvestigation under FCRA 1681i. 

I am demanding that you produce tangible and verifiable proofnot summaries, not internal screenshotssupporting the legitimacy and accuracy of each item listed below. If you can not produce signed documentation or original source verification that meets legal and Metro 2 standards, you are required to DELETE the item. 

PERSONAL INFORMATION TO DELETE : Incorrect DOB : XXXX  Incorrect Previous Addresses : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX COLLECTION ACCOUNTS TO DELETE ( Unverified / Non-Compliant ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY TO DELETE ( No Permissible Purpose FCRA 1681b ) : XXXX XXXX XX/XX/XXXX FINAL NOTICE : Your previous response was incomplete and legally insufficient. If this matter is not corrected within 30 days, I will file formal complaints with the CFPB, Federal Trade Commission ( FTC ), and my State Attorney General. I will also begin preparing documentation for legal counsel under FCRA 1681n/o for negligent or willful noncompliance. 

You are legally required to maintain maximum possible accuracy, and your failure to certify each item truthfully, completely, and timely puts you in violation of federal law. 

I authorize the delivery of physical documentation detailing your findings and the updated status of my credit file. No response, or any further boilerplate replies, will be treated as refusal to comply.

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 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I deposited a {$5000.00} cashiers check into my Citizens Bank account on XX/XX/year>2025. At the time of deposit, I was told the funds would be released by XXXX XXXX 2025. However, Citizens Bank has now added an additional 5-day hold without proper explanation, pushing the release date to XX/XX/scrub>, 2025. 

This is a cashiers check, and my account has been open since XX/XX/year>2025, meaning it is no longer considered new under Regulation CC. According to Regulation CC, banks are required to make the first {$5000.00} of a cashiers check available by the next business day, unless there is a valid reason to suspect fraud or doubt collectability. Citizens Bank has not provided any such valid reason in writing. 

I have a consistent history of incoming deposits via XXXX and other legitimate business transactions, as I work full-time as an electrician. I have never had an issue with deposits before. The bank acknowledged that the check was verified but is still choosing to withhold funds without a clear policy justification. 

This unnecessary hold is causing significant hardship and is putting my employment at risk because I can not access the funds needed to operate my business or get to work. 

I am requesting immediate intervention to : Investigate why Citizens Bank has placed this hold in violation of federal availability timelines, Ensure the immediate release of at least {$5000.00}, and Prevent the bank from using vague internal policies to override federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-06-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I attempted to verify my identity through the XXXX app as instructed, but the restriction still has not been lifted. I have contacted Apple Support twice, and Ive also spoken with XXXX XXXX XXXX ( Apple Cashs issuer ), but neither was able to resolve the issue or clearly explain why my account remains restricted. 

I rely on this account to send and receive money, and the continued restriction has caused financial inconvenience. Ive followed all verification steps, and my information is accurate. Despite this, the account remains locked with no resolution. 

I am requesting that my Apple Cash account be unrestricted immediately or that I be given a clear, specific reason for the restriction and what is needed to lift it. 

Please investigate this matter and help restore access to my funds and account functionality as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>2025, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely XXXXl and XXXX XXXX I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future.

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and XXXX  they have caused.

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I called Capital One in regards to what I believe is a fraudulent hard inquiry on my credit report. I downloaded my free credit reports, which show that Capital One requested my credit information via XXXX. I did not authorize this credit pull and spoke to a Capital One representative to confirm this. She confirmed this and told me to reach out to dispute this with the credit bureaus which I am in the process of. She did not give me proof of Capital One not pulling my credit. 

On XX/XX/XXXX, I put in a dispute with XXXX  about this unauthorized hard inquiry. They got back this morning with a report saying that the hard inquiry was verified so I just called Capital One again on XX/XX/XXXX at XXXX XXXX XXXX and spoke to a representative. Capital One has no record of any application or inquiry under my name or Social Security number. Ive contacted their fraud and credit departments, and no record of an application could be found. They were not able to send me written proof of this hence this email to myself. I am formally requesting the removal of this unauthorized inquiry from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) INQUIRY, INQUIRY, INQUIRY XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. 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 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 XXXXXX/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 explanation
Consumer complaint received 2025-06-17 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. 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 XXXXXXXX XXXX XXXX INQUIRIES : XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: MO

Complaint narrative:
XXXX is reporting a charged-off account with a {$0.00} balance but still showing {$200.00} in available credit. This is inaccurate. Charged-off accounts are closed and should not reflect available credit. I disputed this with Equifax but am filing a complaint because the account continues to be misreported. I am asking for correction or removal under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
Date, Company Name XX/XX/year>, 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. 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 XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00}

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