vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I was charged {$190.00} by XXXX on XX/XX/XXXX, for an annual subscription renewal that I did not intend to keep or authorize. I believed I had canceled the subscription in XX/XX/XXXX or XX/XX/XXXX. 

I contacted XXXX within 24 hours of the charge to request a refund and explain the mistake. I also explained the financial hardship the charge caused. XXXX refused to issue a refund, citing policy and claiming I had received a renewal email. I searched my inbox and did not find one. Even if one was sent, I likely disregarded it because I believed my subscription had already been canceled months earlier. 

I did not use the XXXX service after the renewal. My usage history shows I only accessed a program I purchased separately ( XXXX ) and nothing else under the renewed subscription. 

I disputed the charge through my Apple Card ( issued by Goldman Sachs ) and submitted supporting evidence - including XXXXis refund denial email, a record of my communications, usage history, and proof that I did not access the subscription after the charge. Despite this, the dispute was denied with a vague explanation that I had agreed to terms and conditions at the time of original signup. No meaningful consideration of intent, fairness, or actual use was done. 

I am a budget-minded consumer who acted in good faith. This is a clear example of a predatory auto-renewal model and unfair denial of a valid dispute. Im requesting CFPB assistance to review this case and support a refund of {$190.00} for an unintentional and unused charge that was disputed promptly and transparently. 

Key Dates : Subscription renewal charge : XX/XX/XXXX Refund request submitted to XXXX : XX/XX/XXXX XXXX denied the refund Dispute filed with Apple Card ( Goldman Sachs ) : XX/XX/XXXX Dispute denied : XX/XX/XXXX Ive attached a PDF file with : Screenshots of my usage history showing no activity under the renewed subscription BODis denial message My original request for a refund Evidence of my prompt actions and cancellation intent Thank you for your help and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " U.S. Bankruptcy CourtXXXX - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S Bunkruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a prepaid card with {$50.00} on it from a local store. I tried using it online and it didnt work, I checked the site, thinking maybe I can activate it online and then, the website itself didnt even let me check there ( when you put the Security Code in, an error occurs and it doesnt work ). Everywhere Ive tried to use it, its been unusable, so Im not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: ID

Complaint narrative:
I made a payment to my XXXX XXXX on XXXX XXXX XXXX for the full outstanding balance. I used the pay with my debit card feature as I always have for 7 months. I received confirmation from them immediately via email, and via text that the payment was confirmed with XXXX own confirmation number. On the XXXX, I logged on to make sure the payment was credited. It was on the XXXX app and the balance was XXXX dollars owed. On XXXX I logged onto the app only to see the balance was back showing owed and no record of any payment history on the XXXX of XXXX, XXXX. I reached out via telephone and was told to send a copy of the confirmation email The money has been removed from my checking account immediately on the XXXX of XXXX, as it was a debit card payment, not EFT. It posted as a final transaction on the XXXX of XXXXXXXX XXXX XXXX has my money for the payment. Today XXXX I chatted online with a representative, and with no help, just being told there is no record of it 5 times, I asked to be transferred to a supervisor which I was. I was told there was no record. They will not accept their own confirmation number as proof. They have stolen my money and are unwilling to help it seems with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I settled my XXXX XXXXComenity Bank account ( ending in XXXX ) in full on XX/XX/scrub>XXXX XXXX XXXX. Comenitys own letter confirms this settlement and payment. However, Comenity continues to inaccurately report a {$1000.00} past due balance to XXXX as of XXXX XXXX XXXX despite the account being closed and settled.

This reporting is inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information must provide accurate and complete information to credit bureaus and update records at least every 30 days. Reporting an active past-due balance on a legally settled account is a violation of this duty and is materially harming my ability to qualify for mortgage financing. 

On XXXX XXXX XXXX, I called Comenitys recovery/settlement department to address this. I first spoke with XXXX, who then transferred me to his supervisor, XXXX. During this call : XXXX repeatedly interrupted me, raised her voice, and spoke in a hostile manner throughout the entirety of the call and refused to even let me ask a question let alone answered any that I was able to somehow blurt out when given the chance to speak after being yelled at multiple times When I pointed out Comenitys legal obligation to accurately report under the FCRA, XXXX said : Dont tell me how to do my job. 
I remained calm, informed her that I was recording the call, and stated I would escalate this matter. 

Rather than resolving the issue, I was told that Comenity is advised and trained to simply tell consumers it takes 3045 days, which contradicts federal law requiring accurate monthly reporting. 

Supporting Documentation ( attached ) : Settlement letter from Comenity Bank confirming account was settled and paid on XXXX XXXX XXXX credit report dated XXXX XXXX XXXX, showing a past due balance of {$1000.00} still being reported Call notes documenting the abusive conduct by XXXX Requested Resolution : 1. Correct my credit reporting immediately to reflect : {$0.00} balance owed Closed/settled for less than full balance 2. Investigate and address the abusive and unprofessional conduct of supervisor XXXX during the XX/XX/scrub>XXXX XXXX XXXX call ( XXXX XXXX XXXX ) 3. Confirm what compliance steps will be taken to ensure accurate and timely bureau reporting in the future. 



* * * * I have all recordings from each time I have called in and I am more than happy to provide those recordings for further investigation if requested. * * * * Impact : This inaccurate reporting is preventing me from qualifying for mortgage financing despite having settled and paid the account. I am requesting expedited correction to prevent further financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/scrub>XXXX I got my direct deposit and went to pay a bill and it was declined. I contacted chime and they said that it would be 30 days for an investigation. After 30 days, they said not eligible for a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Balance : {$170.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-02 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : 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 XXXXXX/XX/XXXX. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This correspondence is a formal dispute concerning a fraudulent account included in my credit report. I have no knowledge of this account, nor did I authorize its creation. The reporting is false and must be addressed immediately.

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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My Citibank account was closed. They will not tell me why the account was closed. I had money orders for the amount of XXXX deposited into my account on XX/XX/XXXX no issues. The money orders was from a month home I was going to move into but decided to not go thru with the home. My money orders were given back to me. I did not want to walk around with money orders because I did not want to lose them. That money was part of my move in deposit to get a home. The next day I went to purchase food and could not get into the account when I called they said the account was locked. They gave me a number to call I callled the number on XX/XX/XXXX and was told the account was closed I asked what for they stated they could not tell me.on XX/XX/XXXX I received an email that also said my account is being closed and that if I needed my funds sooner to go into a branch. Over the weekend XX/XX/XXXX I went into the bank I showed them the email, my ID my debit card and the slip from the deposit. The worker that was there by the name of XXXX called to see if they would release the funds for me they wouldnt release the funds at all. Again they couldnt tell the reason why the account was closed. They said I had to wait 60 days to have a check mailed to me for the funds in my account. This is so unfair that is part of my move in money. I did research and others have been thru this same issue where they have not gotten their funds. I do not want to go thru this at all. I need help to have my funds or to make sure my funds are released when they stated it would be released to me. I just need someone to please help me out.it was nothing going on with the account at all for them to close it. I would just like help to make sure my money is returned to me with out all the headaches. This is frustrating. Can someone help. My contact is XXXX my email is XXXX its so many others that are/have went thru this with this bank!! Something has to be done this is not right at all.

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