vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
In XX/XX/, this feckless Bank closed my account without any explanation. Each Customer Service Representative s State it would take 7-10 business days for my refund. 
I received a letter dated XXXX XXXX  deny my request of a refund. 
I have attached copies of letters and a receipt of a certified letter sent to Marcus by Goldman Sachs dated XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I looked at my credit report and did no recognized those inquiries

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 2025-07-23 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: AZ

Complaint narrative:
I looked at my credit report and did no recognized those inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc.
State: PA

Complaint narrative:
XXXX, 2025 XXXX I asked them prove to me that they sent me an email stating my account was closing due to no funds. Refuse to give me documents. MoneyLion made me send a selfie holding my card. I had just closed my dispute out because of some unwanted charges on my account. I can not transfer my money over to my XXXX account which is in the amount of XXXX. They refused let me have access to my funds

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom this may concern, my name is XXXX XXXX and this is not a third party filing this complaint. I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : Experian, TransUnion, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. 

The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.

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 2025-07-23 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: AL

Complaint narrative:
The fraudulent inquiries are affecting my ability to obtain credit. Please delete them. I filed an FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: AL

Complaint narrative:
The fraudulent inquiries are affecting my ability to obtain credit. Please delete them. I filed an FTC report.

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 2025-07-23 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: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: AL

Complaint narrative:
The fraudulent inquiries are affecting my ability to obtain credit. Please delete them. I filed an FTC report.

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 2025-07-23 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: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: OH

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Transunion alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion inaction violates federal law and my rights as a 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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Delete off my account or type out debt validation letter but your also in violation of U S 15 U S C 1666b so delete it off all 4 credit bureaus immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-23 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
I signed my son up for a summer camp in XXXX. However, without my awareness, I was enrolled secretly for an annual membership provided by XXXX. As the result, my credit card was charged annual membership fee for 3 consecutive years ( {$89.00} in XXXX, {$99.00} in XXXX, and {$99.00} in XXXX ). I have never used any services or products from the company. I did not even know the existence of the membership. I tried to contact the company a couple of times without any success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
I created an account with sofi early XXXX. A parent deposited {$2500.00} into my account for repayment and my account was flagged and frozen for a " security issue. '' I provided the required information ( my ID ) and thought that would handle it. They came back requiring the personal phone number of the bank account holder of the person who sent the funds and refused to use any other, more secure method to check ( like calling the bank to verify the deposit ). They kept the account frozen for eight months. My parent called trying to verify and they ended up closing the account and saying they would send the money back to the originating bank. Only they didn't. My parent called their bank and no such attempt was made. So I called again, for the money. They said I had to file a claim. Which I did in XX/XX/XXXX. I got a response back saying it would take 60-90 days for a response. I waited 122 days before responding ( XX/XX/XXXX ) and got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-23 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I see an inquiry on my XXXX credit report that is not mine. I never asked or sought credit from CBNA

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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP

Complaint narrative:
I have been a victim of identity theft since 2024. 
From XXXX, I found out that the identity thief made an account inquiry from U.S. Bank. 
I called the bank and found out that the thief opened one checking account and one savings account. The savings account had been closed, while the checking account is still open. When I requested to close the checking account, the representative said they would. However, I only received a mail that I need to submit copies of my IDs and additional documents. As a victim of identity theft, I do not feel comfortable sending them to somewhere I do not fully trust. So I have not done it.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Experian, Equifax, and transunion illegaly reported items to my credit report without my consent. They also let my data be exposed im multiple data breaches resulting on my information being used and unknown people opening things using my personal information. That led to my credit being misused and abused. My credit was messed up due to these agencies reporting things illegally and without consent. I contacted all 3 but there are things still on my credit profile that were put there not from my doing. I just them to remove everything so that i can start over and build my credit how i see fit according to FCRA Section 605B and under 15 USC 1681c-2. Also common law practices were also broken when i found out the those 3 agencies get there information from another party like XXXX, XXXX  and others without my knowledge or consent. I need my credit profile wiped clean ASAP or will be filing a lawsuit against all involved in these illegal practices. I also want debt collectors to stop calling harassing me all day and night by, phone, email, and mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Experian, Equifax, and transunion illegaly reported items to my credit report without my consent. They also let my data be exposed im multiple data breaches resulting on my information being used and unknown people opening things using my personal information. That led to my credit being misused and abused. My credit was messed up due to these agencies reporting things illegally and without consent. I contacted all 3 but there are things still on my credit profile that were put there not from my doing. I just them to remove everything so that i can start over and build my credit how i see fit according to FCRA Section 605B and under 15 USC 1681c-2. Also common law practices were also broken when i found out the those 3 agencies get there information from another party like XXXX, XXXX  and others without my knowledge or consent. I need my credit profile wiped clean ASAP or will be filing a lawsuit against all involved in these illegal practices. I also want debt collectors to stop calling harassing me all day and night by, phone, email, and mail.

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 2025-07-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
on XX/XX/XXXX the tik tok shop auth. a transaction for a storage bin in the amount of {$490.00} they they claimed i ordered ( i did not ) I called on XX/XX/XXXX to report the fraud Activity. I also contacted the tik tok shop. the rep i spoke To reported that I would receive a temp credit when the transaction actually processed. I understood that the investigation would take time. I waited until XXXX XXXXXX/XX/XXXX the payment was processed, but the credit was not received. I have a grandmother that is on life support currently I was traveling to see. I could not because these funds were taken. Tik tok showed that the merchant processed and so called shipped the Item on XX/XX/XXXX a day before the " order '' was placed how is that possible? who would pay {$490.00} for a shoebox sized storage bin? I took screenshots of the activity and submitted it to BOA. The issue is I contacted 2 reps who informed me that I would receive the temp credit back to my acct. XX/XX/XXXX and XX/XX/XXXX, which the rep on XX/XX/XXXX reported that she spoke to supervisor team and the credit would show XXXX or by the am of XX/XX/XXXX ( today ) that did not happen. the rep i spoke To today stated that she escalated the claim and that no document from yesterday was reported. that is a issue i spent exactly XXXX XXXX on the line with a rep and none of this was documented. Why not? My Acct is over drawn At this point in addition to other things that need to be paid as well as the most important family. I have filed a complaint, which I don't trust that will be documented. i Was A victim of fraud and provided the documentation. i am A working class single woman/student. I live paycheck to paycheck. {$490.00} sadly is a make or break for me. I have a portion of my rent in savings which I will not jeopardize. A new card has be ordered all necessary precautions have been made to prevent this on my behalf. i have banked with BOA since 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 monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Fraudulent accounts resulting from identity theft have been improperly added to my consumer report without my written authorization or wet signature. I previously contacted your organization about this issue and am now formally demanding the immediate blocking and removal of these unauthorized accounts from my report. These fraudulent entries have caused substantial emotional and financial distress by misrepresenting my actual credit history and financial obligations. The continued presence of these items has severely compromised my ability to achieve essential financial milestones, including purchasing a home and adequately providing for my family 's needs. Without proper resolution of this matter, I am prepared to pursue legal action to protect my consumer rights and obtain appropriate remedies.

Company response to consumer: Closed with explanation