vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
Goldman Sachs has taking money out of my bank account and or threatening to take more money for mysterious charges that appeared on my account. Ill been explaining to Goldman Sachs that I did not any purchases from XXXX in the amount of {$3300.00} & XXXX ( multiple ) charges totaling {$1100.00}. Ive made personal statements to Goldman Sachs along with information from both XXXX and XXXX stating that they do not have any records of me making any purchases or having any current accounts with them. This has been going on since XX/XX/XXXX. Ive asked Goldman Sachs Fraud Department what exactly I need to submit but they keep saying I owe for the charges. Goldman Sachs deducted {$1100.00} in XX/XX/XXXX. It seems like they dont care about the customers. I told Goldman Sachs that my Credit Unions, removed the fraudulent charges after a certain period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposit a third-party check from my Aunt from the insurance company. It was XXXX and some change and the bank close my account and keeping the money I called. I asked why they said because the third-party check I had the insurance company talk to him. They said they cant do nothing. They the insurance company told them they need a letterhead With their bank on it stating why the draft number and the amount of the check for them to recall it, the bank told me no and told them no and XXXX, which is my insurance company told them and they need that letterhead to recall it so as of right now, Bank of America have {$3700.00} they belong to Me. My aunt came to the bank with me and theyre still doing the same thing all because it was a third-party check now theyre trying to take my money. I need help please

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 2025-05-07 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: MI

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-05-07 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: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-07 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: CA

Complaint narrative:
See attached. Remove accounts. Send to Experian. Equifax. And Transunion.

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 2025-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I have a balance of over {$160000.00} in a savings account at Citi bank in a Citi XXXX account. I am attempting to transfer the money out via XXXX but they have set an XXXX outbound limit of {$50000.00} per month. They refused to adjust this limit or give the rationale for why the limit is in place. They have set a {$100000.00} a month in-bound limit. This difference in practice appears to be a way for them to force me to either pay a fee to transfer money out of the account or maintain the balance in the account over XXXX months. 


This is practice is obviously skewed to benefit them and keep me from making a transfer. 

This happened on XX/XX/year> at XXXX CST. The customer service manager I spoke to was named XXXX and I dialed 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 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
Cease and Desist Request Regarding Alleged Debt Reference Number XXXX To Whom It May Concern : I am writing to formally request that you cease and desist all communication with me regarding the alleged debt referenced above. This request is made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Please note that I do not admit to owing this debt. I am exercising my right to request that you stop all forms of communication with me, including but not limited to phone calls, letters, emails, or any other method.

If you believe that you are legally entitled to pursue collection, you may only contact me to inform me of : 1.That your collection efforts are being terminated ; or 2.That you intend to take specific legal action, such as filing a lawsuit.

Please also consider this letter a formal request that you not contact any third parties about this matter.

Thank you for your cooperation.

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken
State: HI

Complaint narrative:
This is about me trying to inherit my husbands account who recently passed away. My husbands account value is small, maybe {$1000.00} or {$2000.00}. In my state when the estate value is under {$100000.00} can collect the estate with Affidavit for collection of personal property of the decedent without probate. 
I submitted all the proper documents. But the company staff refused transfer the account to me.They want more document which needs probate. 
I am not going to file probate which needs more money than the account worth and lengthy time when it is not necessary. I sent a complaint letter to the headquarters then another staff contacted me but it didnt work out again. 
Apparently they are the same team.

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 2025-05-07 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
i have made a payment on my account to American express credit for the full amount as the representative aske me to do to avoid interest charges on the XX/XX/year>. 
American express charged my account at the same day for the same amount, i called them and told them that i already payed my balance in full, they say that's the system error. 
3 days later they made an other attempt to withdraw the same amount for the same payment i made on XX/XX/year>. 
i call them and they say that its a system error. 
later on they send me a message saying they will try to withdraw the money for the same payment i made on the XX/XX/year>. 
i call them and asked them to stop doing unauthorized payment they say we can not fix that. 
this a clear case of fraud and attempt to damage my credit and steel my money, please put a stop to this and hold them accountable for their action. 
any return payment fee or late charges fee results from American express aggressive action against me will not be paid, and American express is responsible for them. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to XXXX  in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My identity was stolen and my credit score is poor due to unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My identity was stolen and my credit score is poor due to unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: WA

Complaint narrative:
ON XX/XX/XXXX, I FILED A DISPUTE FOR TWO XXXX  CHARGES ON MY ACCOUNT WHICH WAS PENDING IN THE AMOUNTS OF {$720.00} AND {$75.00}. US BANK TOOK 18 DAYS TO PROVIDE PROVISIONAL CREDIT AND WITHIN THIS TIME, MY ACCOUNT WAS IN A NEGATIVE STATE. AFTER 18 DAYS, PROVISIONAL CREDIT WAS ISSUED AND THEN I RECEIVED A CALL FROM US BANK STATING THAT I APPROVED THE XXXX TRANSACTIONS AND THIS IS SOLEY MY FAULT. 
HOW? I REPORTED THE TRANSACTIONS IMMEDIATELY WHILE THE AMOUNTS WERE IN PENDING STATE. IT IS US BANKS FAULT FOR TAKING 18 DAYS TO RESEARCH THE ISSUE. NOT ONLY THIS, US BANK TOOK BACK THE PROVISIONAL CREDIT AND GAVE TO THE SCAMMER. 

HOW CAN YOU BANK WITH THIS BANK? THE GAVE MY MONEY TO SCAMMERS.

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 2025-05-07 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: FREEDOM FINANCIAL NETWORK
State: LA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 report fraudulent accounts on my credit report, which I did not authorize or open. I have filed an FTC Identity Theft Report and attached proof of identity, but despite my efforts, the accounts remain unresolved. The accounts in question were opened under my name without my knowledge or consent, and I have taken steps to notify the creditors and request removal. 

Under Section 605B of the Fair Credit Reporting Act, I am requesting that these fraudulent accounts be blocked from my credit report within the required four-day period. However, they have not been removed, and I have not received confirmation from Experian that corrective action has been taken. 

The accounts in question are : XXXX XXXX Opened : XXXX. XXXX, XXXX XXXX  XXXX Opened : XXXX XXXX, XXXX XXXX  XXXX Opened : XXXX XXXX, XXXX These accounts were not opened by me, and I request immediate 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 explanation
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: LEXISNEXIS
State: CA

Complaint narrative:
Subject : Complaint Regarding Lexis-Nexis : Failure to Address Consumer Report Errors and Block XXXX-Related Items/ Also to unfreeze my report Dear Consumer Financial Protection Bureau , I am filing this complaint against Lexis-Nexis for their failure to address multiple inaccuracies in my consumer report and their lack of compliance with federal laws protecting victims of XXXX XXXX 

For several months, I have contacted Lexis-Nexis to dispute incorrect information in my consumer report, including : Incorrect addresses listed under my name Misspelled versions of my name Inquiries that I believe should be blocked as they are the result of my status as a XXXX XXXX victim. 

Despite my repeated efforts, I have not received any resolution or meaningful response from Lexis-Nexis. I have made numerous phone calls to their customer service department with no calls returned. Additionally, I sent an email detailing the errors and requesting that the items related to my XXXX  experience be blocked as required by law, but I have not received any response. 

Under the federal National Defense Authorization Act for Fiscal Year 2022 ( NDAA ), specifically Section 6102 of the Debt Bondage Repair Act ( 15 U.S. Code 1681c3 ), consumer reporting agencies are required to block adverse information on a victims consumer report that resulted from XXXX XXXX within four business days of receiving a victims request and supporting documentation. I provided the necessary information to Lexis-Nexis, yet they have failed to comply with this legal obligation. 

Lexis Nexis 's inaction has caused me significant distress, as these inaccuracies and unblocked items negatively affect my ability to rebuild my life and secure financial stability. 

I am requesting that the CFPB investigate LexisNexiss '' '' failure to : respond to my disputes and communications in a timely manner. 
Correct the inaccurate information in my consumer report. 
Block the inquiries and other adverse items resulting from my XXXX  experience, as required by federal law.

I appreciate your attention to this matter and look forward to your assistance in ensuring Lexis-Nexis complies with the law and fulfills its obligations to protect consumers like me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief