vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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:
There are late payments on this account ( XXXX XXXX XXXX XXXX XXXX  ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. 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 W2.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I noticed many unauthorized transactions on my account that said " Money Transfer Authorized XXXX * XXXX XXXX XXXX XXXX. 
These Transactions started on XX/XX/year> in smaller amounts {$25.00} and {$50.00} and increased in frequency and amount until XX/XX/year>. There were over XXXX transactions totalling over {$22000.00}. Wells Fargo refused to investigate anything and stated that " the transactions were authorized '' because I had opened my Wells Fargo app during the time of the transactions.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I filed dispute # XXXX with SoFi Bank for unauthorized debit card transactions totaling {$1900.00}. 

I immediately notified SoFi that my account credentials were compromised and, in compliance with SoFis requirements, I updated my email, password, and phone number. A SoFi representative advised me to wait until the unauthorized charges posted before disputing them. I followed this instruction and submitted my dispute once the charges appeared.

I was assured my debit card would be canceled ; however, it was not canceled, and additional fraudulent transactions continued. I had to call back before SoFi finally replaced my card. Even after these corrective measures, unauthorized transactions persisted, suggesting improper use of a lost device I had already reported. 

SoFis own investigation later confirmed fraud, issuing credits of {$600.00} ( XX/XX/XXXX ) and {$280.00} ( XX/XX/XXXX ). Yet SoFi denied other charges made on the same card, same dates, and under the same fraudulent misuse. It is contradictory and illogical to determine some charges were unauthorized while others from the same fraud were considered valid. This reflects an incomplete and false investigation. 

On or about XX/XX/XXXX, I also received notice that my accounts were restricted for irregular activity pending review. After hours of trying to log in with my new phone, I repeatedly received unexpected error messages, was transferred between support staff, and eventually told engineers would assist. Instead of help, I received an account closure notice claiming a policy violation. This is wholly inaccurate and defamatory. I have not violated any SoFi policy.

As a result, SoFi closed my account while withholding over {$1900.00} ( rent and savings ). Despite requesting that my mailing address be updated to receive a check, SoFi has not confirmed this.

I believe SoFi violated the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which require banks to promptly investigate and reimburse all unauthorized transactions. SoFis inconsistent dispute handling, failure to cancel my compromised card, improper restriction of access, and wrongful account closure have caused me serious financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: PA

Complaint narrative:
It has come to my attention that false accounts remain listed on my credit report and have not been taken off. I am asking that the supporting documents I provided be properly examined to ensure this issue is finally resolved and I can have peace of mind.

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 2025-08-22 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: PA

Complaint narrative:
I see that incorrect accounts are still appearing on my credit report, and they were not removed as they should have been. For this reason, I kindly request that the documents Ive attached be carefully reviewed so I no longer have to stress about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-22 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: IL

Complaint narrative:
XXXX XXXX date of birth : XX/XX/XXXX This CFPB complaint has been filed to request President to FCRA 605B ( 15 USC 1681c-2 ) that you Experian credit reporting agency, immediately remove and block information that is the result of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of : 1. a collection account listed opened on XX/XX/XXXX listed as XXXX  # XXXX, and a charged off auto loan account opened on XX/XX/XXXX listed as XXXX XXXX XXXX. 

The aforementioned accounts appearing on my consumer credit report were not opened, maintained, or authorized by me. All are the direct results of Identity theft and fraud. I have attached spring documents that include a official FTC Identity theft police report and affidavit.

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 2025-08-22 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: Block, Inc.
State: CA

Complaint narrative:
I was playing XXXX XXXX and I was told I had a payout of {$40.00}. I used Cash app as a payment method and it took {$18.00} off of my card. I tried to screenshot the page but it did not allow me to so I left a review under the app, which also has several people making the same allegations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am extremely frustrated to see that unauthorized inquiries are still appearing on my credit report this morning. I dont understand why they havent been removed even after refreshing my browser. I need the documents Ive already provided to be reviewed immediately so this problem can finally be resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NY

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-08-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Marcus has been making it difficult for me to access my fund under the clause of security. I have provided all the verification needed and mailed the affidavit of identity to prove that I am the rightful owner. However, they are unwilling to help and make it more difficult than needed. They provided no mean to verify and locked my account thrice over the course of 4 days. Due to Marcus ' unwillingness to help, we missed our debt payments and have to pay extra penalty. I have to take days off in order to have time dealing with Marcus. Marcus ' business practice has put me in great stress of losing money and paying late fee penalty. Furthermore, Marcus has been untruthful in their marketing practice since when I first called to learn about their CDs, they told me that withdrawal would not take long and could transfer the money in 1-2 business days. Marcus communicated in a way making me to think that they are competent and a tech-savvy institution that handles money well. This is a out-right lie to their real practice. 

On XXXX XXXX 2025, I deposited {$150000.00} to a CD provided by Marcus by Goldman Sachs, a brand of Goldman Sachs Bank USA for a 7-month period. On XX/XX/year>, I called the customer service XXXX ( XXXX ) to close the CD and withdraw my funds to the bank account. After rounds of verification ( full name, date of birth, last XXXX digits XXXX, secret word ), Marcus ' representative told that he could not verify that I am the owner of the CD and locked my account, both mobile apps and website access. 

I called the hotline again to verify and was told that they have filed my account under further review. They promised that they would call back in one business day, but never called back to me. While I was on a call with a representative, another Marcus ' person called me using the same customer service hotline ( XXXX ), making unsure of what is going on. All department of Marcus use the same customer service hotline ( XXXX ). 

On XX/XX/year>, after XXXX hours explaining to a representative, he unlocked my account and told that my CD was cleared to be transfer. He told me to hang up the current call and call the customer service hotline ( XXXX ) again to initiate the close. However, when I did per his instruction, another representative put me through the verification process again only to tell me that my account was put under review and locked my account again. By this point, I have no access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Account Suspension and Poor Customer Service Date : XX/XX/year> To Whom It May Concern, I am writing to formally submit a complaint regarding the suspension of my Citibank account on XX/XX/year>, due to a supposed fraud prevention hold. 
When I called customer service to request that my account be unlocked, I was informed that I would need to wait 10 business days to receive a letter in the mail. I explained that this situation was unacceptable, as I urgently need access to my funds to pay bills, buy food, purchase gas, and cover daily living expenses. 
The manager who handled my case, XXXX XXXX ( ID : XXXX ), told me that the only way to resolve this issue was to wait for the letter, and that I would not be able to use my money during this time. Despite providing all of the requested and correct information, including my Social Security number, ATM PIN, and phone number, the manager refused to assist me in resolving the account lock.

I spent over two hours on the phone with this manager, yet she made no effort to provide an alternative solution or escalate the issue. I find it unacceptable and deeply concerning that Citibank would prevent me from accessing my own money for 10 business days without offering any immediate resolution.

I respectfully request that Citibank : Investigate this incident and the conduct of the branch manager involved. 
Provide an explanation as to why no alternative solutions were offered. 

I expect a written response to this complaint. Thank you for your immediate attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I reported XXXX $ transaction fraud on my Cash App account after unauthorized transactions occurred. 
Cash App opened a case but did not provide proof of investigation, no follow-up email, and no evidence that the matter was actually reviewed. 
I requested a clear yes or no response on whether they would credit my account for the fraudulent activity. Cash App refused to provide a direct answer. 
Cash App then closed the support chat without offering resolution, only stating that they had provided a final response that I may not be satisfied with. 
When pressed further, Cash App informed me that the only option was to contact local law enforcement and file a report, at which point they claim they would cooperate. 

Cash App has therefore : Refused to reimburse the fraudulent charges, Failed to provide transparent documentation of any investigation, Declined to offer an alternative resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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