vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
My payment history has always been impeccable, so the appearance of a late payment is clearly a mistake. I ask for its removal immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-05 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: LA

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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 2025-08-05 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX AL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To Whom It May Concern, I am writing to file a formal complaint against Goldman Sachs Bank USA ( operating as Marcus by Goldman Sachs ) regarding the improper closure of my Certificate of Deposit ( CD ) account ( Account XXXX and the withholding of my funds. 

I opened this XXXX account by mail on XX/XX/XXXX, with {$35000.00}, transferred via a cashiers check issued by XXXX XXXX. Several weeks after opening the account, a representative from Marcus by Goldman Sachs contacted me requesting verification of the funds. Despite explaining that the funds came from a previous CD at XXXX XXXX  and providing that information, Marcus insisted on a three-way verification call with XXXX XXXX XXXX which XXXX  declined XXXX to their policies. 

Following this, I was assured by Marcuss representative that all necessary verification that could be done had been done. However, without any request or authorization from me, Marcus subsequently closed my account and blocked my online access. When I inquired, I was informed that the account was closed due to inability to verify the funds, despite the fact that the funds originated from a legitimate cashiers check from a reputable bank. 

Furthermore, from a phone call I placed to them today, XX/XX/XXXX, I understand that Marcus stopped paying interest as of XX/XX/XXXX, over one month ago, and may have applied or possibly has plans to apply an early withdrawal penalty, even though the closure was not initiated by me. The representative XXXX could not confirm in the phone call if an interest penalty has been assessed. I believe this action is unfair and potentially unlawful, as I did not request account closure and the bank should not penalize me or withhold my funds in this manner. 

I have been told by XXXX at the fraud department that Marcus will return my funds ONLY if I mail an ORIGINAL statement from XXXX XXXX verifying the source of the funds, even though I didnt receive paper statements. Otherwise they will continue to withhold my funds from me plus are refusing to pay any interest in the meantime. This is unreasonable and places an undue burden on me, especially when the funds were originally deposited via a cashiers check, a highly secure and verifiable instrument. 

I respectfully request that your agency investigate this matter, as I believe Goldman Sachs Bank USA has engaged in improper account closure, unjust penalties, and unfair withholding of funds in violation of banking regulations and consumer protection laws. 

Please advise me of any additional steps I should take to recover my funds and ensure my rights as a consumer are protected. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year> around XXXX XXXX I see XXXX messages from my bank asking me if I recognized XXXX transactions that thankfully werent able to go through and after replying no to both of them I get a message saying that my debit card was blocked and that I would later be receiving a phone call and a little while later I get a call from someone who claimed to be part of Wells Fargo the bank I have my bank accounts in and they ask about those XXXX unknown transactions and ask me if I made them and if anyone else had access to my debit card besides my and after replying no I was told that my debit card needed replacing and that it would take 7 to 10 days to get a new one and when I asked what to do meanwhile it came and was told to transfer part of my money to an XXXX XXXX XXXX and after I did the person asked me if I needed help with something else before I said no and the person hung up and I spent various minutes checking to see when the money would arrive and after a while I decided to call my banks customer service number where I told them about how I got XXXX messages asking me about XXXX unknown transactions which I didnt authorize they told me that the only solution was to get a new debit card and once again that it would take 7 to 10 days to get one and when I told them about what happened earlier the Wells Fargo representative told me that they would never ask a customer to transfer money to a third party before asking me for the number the messages came in and after giving it to him the man told me that Wells Fargo only sends messages in XXXX digit numbers and never on a XXXX digit phone number before also giving him the phone number of the person who tricked me into transferring money to an XXXX XXXX card before I made a claim asking for that money back before being told that I would get it back in 7 to 10 days and after getting my money back about XXXX month later I get a call and letter from Wells Fargo saying that my claim was closed and that those {$1000.00} would once again be taken from my account because apparently the claim was filed incorrectly and despite calling both my claims department and customer service to correct my claim they tell me that couldnt do anything and that money would be gone by XX/XX/year> and I even contacted XXXX  who also werent able to help me and my bank told me that because the claim was still under investigation they couldnt do much at the moment before telling me that once my claim was closed they couldnt reopen it or start a new one and thats when I decided to fill this out because I can not have that money taken away from me once again. Oh and just a heads up I dont have the phone number the messages came in or the phone number of the scammer that called me.

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 2025-08-05 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:
I was not aware of these accounts and did not give permission for them to be opened. They are fraudulent and must be deleted from my credit report within 15 days, per USC 1681g. Enclosed is supporting documentation.

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 2025-08-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: GA

Complaint narrative:
This company has tried to collect a debt from me starting in XX/XX/XXXX, it was reported on my credit XX/XX/XXXX, and the last activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: RI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-08-05 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: LA

Complaint narrative:
I came across CFPB XXXX  lawsuit. 

I feel I was negatively impacted by TransUnion, hurting my chances at credit after receiving a response to my earlier dispute on XX/XX/year> that this account XXXX XXXX XXXX was " verified ''.

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 2025-08-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a credit card purchase from a merchant named XXXX ( hosted on XXXX ) on or around XX/XX/year>. The item was never delivered, and the tracking status eventually changed to XXXX. I attempted to contact the seller and the platform multiple times to resolve the issue, but received no response or refund. 

Because I was actively trying to resolve the problem through the merchant, I filed the dispute later than the 60-day window. However, the issue is legitimate : I never received the product, and I have tracking proof to support it. My dispute was denied by Bank of America, and when I attempted to appeal the decision, I was told that the claim was closed and could not be reopened, despite having clear evidence that the item was never delivered.

I am requesting that the CFPB ask Bank of America to reopen the case and properly review the evidence I can provide.

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 2025-08-05 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:
I am submitting this formal dispute and complaint regarding multiple fraudulent credit inquiries that appear on my credit reports. These inquiries were made without my authorization and are directly related to identity theft. I have provided my FTC Identity Theft Report ( Report # XXXX ) as supporting evidence. 

The following inquiries must be permanently removed from my credit file : TransUnion : XXXX XXXX XXXX XX/XX/XXXX TransUnion : XXXX XXXX XXXXXX/XX/XXXX TransUnion : XXXX XXXX XX/XX/XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( multiple ) TransUnion : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion : XXXX XXXX XXXX XX/XX/XXXX TransUnion : XXXX XXXX XX/XX/XXXX TransUnion : XXXX XXXX XXXX XX/XX/XXXX TransUnion : XXXX XXXX XXXX XX/XX/XXXX These inquiries were not initiated or authorized by me and were made as part of fraudulent activity committed by an identity thief.

Legal Basis for My Dispute Under the Fair Credit Reporting Act ( FCRA ) : 1681c-2 ( a ) Upon receipt of an identity theft report, a consumer reporting agency must block the reporting of any information that resulted from identity theft within 4 business days.

1681i ( a ) Consumer reporting agencies must conduct a reasonable reinvestigation of disputed information and delete it if it can not be verified as accurate. 
1681b ( c ) A consumer reporting agency may only furnish a consumer report for permissible purposes. Any unauthorized inquiry violates this section.

Enclosures : FTC Identity Theft Report # XXXX Copy of my government-issued ID Proof of address I expect a full investigation and response within the timelines required by law. 

Sincerely, XXXX XXXX FTC Identity Theft Report # 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 2025-08-05 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: DC

Complaint narrative:
Dear [ Recipient & # 39 ; s Name or Relevant Department ], I hope this message finds you well.

I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-08-05 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$25000.00}

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 explanation
Consumer complaint received 2025-08-05 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved 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 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 2025-08-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute a credit inquiry that appears on my credit report. I did not authorize this inquiry, and it was made without a permissible purpose under the Fair Credit Reporting Act ( FCRA ).

Let me be very clear : I did not apply for credit, services, or any transaction that would warrant this inquiry. Whoever pulled my credit had no legal grounds to do so, and this unauthorized inquiry is a direct violation of my rights under the FCRA, which strictly limits who can access a consumers credit report and for what reasons.

This inquiry is not only unwarrantedits damaging. Hard inquiries affect my credit score and overall financial profile, and in this case, I am being penalized for something I never agreed to or initiated. Thats unacceptable.

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