vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I received two letters from Marcus by Goldman Sachs, dated XXXX XXXX. 

Stating : Please call us about your account. 

We need to speak with you about recent activity on your account. 

I called the same day after hours. I called on XX/XX/XXXXXXXX XXXX XXXX XXXX  spoke with XXXX said I failed authentication. Called back XXXX XXXX and spoke with XXXX, who was able to setup new security questions. Transferred to a different department and spoke with XXXX, who then transferred me to XXXX. XXXX stated my account was under review and was unclear as to when someone would reach out to me. But it can take up to 7 banking days. 

On XX/XX/XXXX received a letter stating confirmation of account closure. Called and spoke with XXXX about account closure, could not provide a reason, but would investigate. 

On XX/XX/XXXX @ XXXX Spoke with XXXX, who verified information and said we would need to investigate further and wait XXXX banking days for review. 


Received another letter dated XX/XX/XXXX XXXX ; Dispute Claim-Account Settled Research regarding your dispute has been completed. A summary of the disputed transaction ( s ) you reported is as follows : Dispute Date : XX/XX/XXXX Claim : XXXX Transaction Date XX/XX/XXXX Pastor/Payee Name : Close Disputed Amount : {$25.00} After investigating your claim, we resolved the dispute in your favor and your account has been credited on XX/XX/XXXX in the total amount of {$25.00} Received statement that shows XXXX balance. 

Called today XX/XX/XXXX, Spoke with 5 representatives and 2 supervisors regarding closing this account and receiving funds. 

The last supervisor stated that I have exceeded the number of attempts to verify my account and to call back tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 US C.

1681, section 602. It states I have the right to privacy. 15 US C. 1681, section 604 ( a ), section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C. 1666 ( b ). A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: TX

Complaint narrative:
I sent a certified letter dated XX/XX/year>, to XXXX requesting validation of the debt, under penalty of perjury, and to address the following XXXX XXXX items : XXXX. Please furnish a notarized and certified copy of the original contract redacting social security number to prevent identify theft and state under penalty of perjury that you are the HOLDER IN DUE COURSE of the alleged note/contract for my own and a judges inspection should there be a trial to contest these matters. 

XXXX. Please produce the account and general ledger statement, signed under penalty of perjury, showing the full accounting of the alleged obligation that you are now attempting to collect. 

XXXX. Please identify, under penalty of perjury, by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

XXXX. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of alleged debt and are proceeding with collection activity only in the name of the original contracting party. 

XXXX. Please verify, under penalty of perjury, that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 

XXXX. Please provide ( a ) : copy of the certified and notarized contract made between XXXX XXXX XXXX and any of the previous alleged holder ( XXXX ) in due course of the alleged, original contract, validation, signed under penalty of perjury, from the stated creditor US Bank NA d/b/a Elan XXXX XXXX that you are under contract with them and authorized to act for them and forward a certified and notarized copy of the licenses and Bar Card Numbers of any and all Attorneys involved in this fraudulent action to operate in Texas ; ( b XXXX contact information of your hazard/insurance bond holder to allow me to place a lien against those funds until a court hearing. 

7. Please verify, under penalty of perjury, that if you fail to validate the alleged debt in thirty ( 30 ) days and continue your fraudulent actions pertaining to this alleged {$1.00}, XXXX debt you agree to pay to me, by bank check, the amount of {$10000.00}. 

XXXX. Please verify, under penalty of perjury, that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing that you know is false with the intention that others rely on the written communication to the detriment of the name 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 2025-06-14 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: IL

Complaint narrative:
A letter I received from Unifin dated XX/XX/year>, claiming that I owe a debt. I do not recognize this debt, and the letter does not clearly state the origin, the original creditor, or provide any supporting documentation for the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: FL

Complaint narrative:
Complaint first on lack of access to support. On the phone they just XXXX  and they are outsourced. The agents do not know what XXXX law is. XXXX responded they never heard of the law and admitted they are outsourced. 

Outside of XXXX law violated by Cashapp they are holding on to my money after merchant refunds me. XXXX ( XXXX ) returned my deposit but Cashapp insists on holding onto the money for an additional month instead of giving it back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-06-14 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:
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 GA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-14 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: VA

Complaint narrative:
I received a collection notice from I.Q. Data International on XX/XX/XXXX regarding a debt allegedly owed to XXXX XXXX. Since my balance with XXXXXXXX XXXX  was {$0.00} at the end of my lease period ( XX/XX/XXXX ), this debt is inaccurate. Additionally, XXXX XXXX made no mention of any outstanding balance when we were last in contact with them on XX/XX/XXXX and XXXX, XXXX. I disputed the debt via certified mail on XX/XX/XXXX and requested validation. I received no response or supporting documentation. Despite this, I.Q. Data International reported the unvalidated debt to XXXX in XX/XX/XXXX, causing a XXXX drop in my credit score. This collection was also reported to XXXX This violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The original creditor ( XXXXXXXX XXXX  ) never informed me of any outstanding balance after lease termination, and no debt was owed. I request the removal of this unverified collection and correction of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXXGMFINANCIALXXXX XXXX this account is closed and shouldnt be on my report as the car was stolen and reported stolen over a year ago\nXXXX XXXX XXXX XXXX This account is closed and shouldnt be on my credit\nXXXX XXXX XXXX XXXX XXXX XXXX  this account is closed and has also been paid off but its still on my account\nDepartment of Ed last reported XXXX XXXX XXXX XXXX  I never received notice that I would have to start paying and I shouldnt have a bad impact because of that\nXXXX XXXX XXXX XXXX XXXX  I have no knowledge of this collection\nXXXX XXXX XXXX XXXX XXXX XXXX  no knowledge of this collection\nXXXX XXXX XXXX XXXX XXXX XXXX  - I have no knowledge of this collection\nXXXX XXXX XXXX XXXX XXXX XXXX no knowledge of this collection\nXXXX XXXX XXXX XXXX account closed since XXXX  this shouldnt be on my credit and shouldnt be getting reported\XXXX XXXX XXXX XXXX XXXX closed XXXX my balance is XXXX and I shouldnt have a negative report for this\nXXXX XXXX  opened XXXX XXXX closed XXXX  my balance is at XXXX and I shouldnt have a negative report from this and it shouldnt be on my credit\XXXX closed XXXX my balance is XXXX its paid and i shouldnt have a negative report and it should be removed from my credit\nXXXX XXXX XXXX XXXX closed XXXX  this account is completely paid off and should be removed from my credit immediately\nGMC FINANCIAL - last reported XXXX opened XXXX XXXX amount of XXXX and XXXX opened XXXX  last reported XXXX  this account is completely paid off and should be off my credit report and shouldnt be reported for\nGM Financial XXXX  opened XXXX  last reported XXXXXXXX  this car was stolen and reported stolen it shouldnt be on my credit nor should I be getting a negative report\nXXXX XXXX XXXX  last reported XXXX  this is completely paid off and shouldnt still be on my credit and needs to be removed immediately\nI have collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have no prior knowledge about any of these accounts and didnt authorize anything to accumulate this financial burden \n\n** I would like to also state I am a victim of identity theft my wallet was stolen with my social security card inside of it in XXXX and again when my car was stolen in XXXX I have reported this and still nothing was done as for credit I didnt approve any of this and would like for it to be removed **'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check written out for {$1400.00} and was only credited {$1000.00}. I called Truist and they can file a dispute. They said there will be paperwork needed back and forth and the bank has the right not to accept it!!!!!! 

This is THEIR ERROR and I want my money!!!

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 2025-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
Affirm has utilized at least 4 different numbers or more and each number has called me twice a day since XX/XX/year>. 
The Consumer Financial Protection Bureau ( CFPB ), through its Debt Collection Rule and the Fair Debt Collection Practices Act ( FDCPA ), prohibits certain communication tactics by debt collectors. These violations can be categorized as follows : 1. Harassment or Abuse : Excessive or Frequent Communication : Debt collectors are presumed to violate the law if they call a consumer more than seven times in a seven-day period or within seven days after a conversation about the debt. They are also prohibited from repeatedly calling or engaging in any communication intended to harass, oppress, or abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: NJ

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

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 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX. I had a secured credit card with Capital One. I called Capital One on XX/XX/XXXX, and spoke with a rep ( ID : XXXX ) to fix my account. That rep set up a payment plan : {$71.00} on XX/XX/XXXX, and XXXX. I was not told the account would still be closed or that I would lose my {$200.00} security deposit. 

The next day, XX/XX/XXXX, my account was closed, and my deposit was taken. I called again on XX/XX/XXXX and spoke to XXXX XXXX ( ID : XXXX ). She confirmed the closure and deposit use but refused to give the XX/XX/XXXX reps name. 

I called in good faith to fix the account and was misled. I am asking for the return of my {$200.00} deposit and a review of the XX/XX/XXXX call to prove what was agreed to.

Company response to consumer: Closed with explanation