vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: MD

Complaint narrative:
In XX/XX/XXXX I bought a XXXX XXXX  at an XXXX store {$1400.00}. I paid it off early XXXX however the credit card over charged interest. I asked them to refund the interest .Instead of the company mailing me a refund check THEY converted the account into an installment agreement and it is now showing that I owe them that amount even though it has been paid for. I have called several times only to be told that someone would call me back. I missed the call and then said the case was resolved. I was given a case number XXXX. I do have bank receipts showing payments to XXXX which total the amount of the purchase in XX/XX/XXXX. I have called at least XXXX  times and have been on the phone each time for an hour only to be told that upper management would have to resolve this and " they '' can't be emailed or reached by phone. 

I did purchase a computer in XX/XX/XXXX and that should be the ONLY installment amount ( {$1500.00} ) on my card as an installment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CT

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian its reporting the wrong address I contact them countless time at disputed I am a victim Identity theft I would like my correct address on my credit report XXXX XXXX XXXX XXXX The address they are reporting now never live there. I want to delete 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 explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I deposited a {$5000.00} cashiers check at Citizens Bank ( XXXX XXXX XXXX branch ) on XX/XX/year>, and was given a printed receipt showing that {$4700.00} would be available on XX/XX/year> ( see attached image ). 

However, on XX/XX/XXXX, I was told by the bank that the hold had been extended until XX/XX/XXXX with no valid written notice, no specific legal reason, and in direct contradiction of what was originally stated. 

My account has been open since XX/XX/year>, and I have regular transaction history. The cashiers check was legitimate and had been verified. Despite this, the bank : Changed the hold without clear explanation Failed to give an updated notice in writing Provided vague verbal statements citing my account still being new, which is factually incorrect I am an XXXX and use this account to run my business. The unexpected delay is causing serious financial harm and putting my employment at risk. I believe the banks actions may violate Regulation CC, and I am also concerned this situation may involve discriminatory treatment, as I am a XXXX XXXX man and was not given the benefit of the doubt or standard service. 

I am requesting the CFPB investigate this extended hold and require Citizens Bank to release my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CT

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-17 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scheer, Green & Burke L.P.A.
State: TX

Complaint narrative:
Scheer , Green & Burke Co. LPA has been contacting me to collect a medical debt that was legally settled and paid in full over two years ago with the original collection agency. Despite having documentation that proves this debt was resolved, this firm is now attempting to collect again and worse, theyve placed a derogatory mark on my credit report. 

This is not only inaccurate, but also a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Their conduct is deceptive, harassing, and has resulted in unjust damage to my credit score. Ive notified them of the error and provided proof of settlement, yet the attempts continue. 

I have filed disputes with the credit bureaus and am demanding immediate removal of this false collection account. If not corrected promptly, I will be pursuing further legal and regulatory action through the CFPB and state attorney general. 

Consumers : Document everything and do not tolerate this kind of behavior. Debt collectors are legally required to honor prior settlements Scheer, Green & Burke Co. LPA has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-17 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
Ive been with cashapp over 6 years I never did anything fraudulent. My cashapp tag is $ XXXX. I dont do fraud my connected bank account to my cashapp which is XXXX flagged a deposit because they didnt recognize my new cellular device. This caused cashapp to temporarily suspend on XX/XX/year> my account for up to 48 hours. I have all my hard earned money over {$1000.00} in that account.It has been way past 48 hours I have XXXX kids to feed XXXX child has a XXXX I can not feed my children.Me and all my kids were stranded out of town because of this. We are now home I cant even feed my XXXX kids they are starving.Cashapp still hasnt given my a answer over 3 days later and will not release my money.Cashapp manager XXXX, XXXX, XXXX and XXXX XXXX XXXX has only sent me general messages.Its no way in the world they should still be holding on to my money what they are doing is illegal and no one has any answers for me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NC

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 XXXXXXXX XXXX XXXX NA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: LA

Complaint narrative:
Im XXXX XXXX, and

Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress. Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent. This has delayed both my home and business plans. Please take urgent steps to fix this.

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 2025-06-17 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: MD

Complaint narrative:
In XXXXXXXX XXXX XXXX, I sent out a check to the IRS for close to {$8000.00}. Someone stole the check, changed the recipient and cashed the check fraudulently. I immediately notified Bank of America, the post office and submitted a police report. Bank of America asked me to submit a claim ( XXXX ), and I submitted all of the required documentation. 

It's been over 50 days and Bank of America has refused to reimburse me for the lost funds or even provide a provisional credit. I need to pay the IRS and this is causing significant financial hardship for 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 monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax & Experian credit reporting agencys, 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. This fradulent, Inaccurate, and false Information consists or a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX. Another account XXXX  XXXX opened XX/XX/XXXX and XXXX XXXX opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # 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.

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 2025-06-17 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: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Description of What Happened and Resolution Request : I am writing to formally dispute and request the removal of several negative accounts from my credit report due to either resolved status, inaccurate reporting, or financial hardship. Ive previously attempted to resolve these matters and believe some of them may not reflect my current financial standing or were not accurately updated. These negative marks are severely affecting my ability to obtain credit, despite efforts on my part to correct or pay down my obligations. 

Accounts in question : XXXX. XXXX XXXX Account ending in XXXX Charged off with a balance of {$540.00} as of XX/XX/XXXX. 
I previously refinanced and closed earlier accounts with them in good standing. 
I request this be removed as a goodwill adjustment or due to confusing overlap between multiple loans. 
XXXX Credit Acceptance Corporation Account XXXX in XXXX XXXX surrender reported, with {$7300.00} still showing as past due. 
The last payment activity occurred in XXXX, yet the account has remained unchanged. 
I am asking for a reevaluation or deletion, especially due to the hardship at the time and my attempt to cooperate with the creditor. 
XXXX XXXX XXXX Account XXXX in XXXX Charged off with {$900.00} still past due, despite prior dispute and payment efforts. 
An earlier account from the same company ( ending in XXXX ) shows paid and closed. 
Requesting deletion due to redundancy and negative impact from repeated listings. 
XXXX. XXXX XXXX XXXX XXXX collections listed : {$1500.00} and {$2200.00} for XXXX XXXX XXXX XXXXXXXX XXXX, respectively. 
These debts were either sold or disputed previously and continue to show without updated resolution. 
I request deletion based on outdated status or lack of updated investigation outcome. 
XXXX. XXXX XXXXXXXX XXXX  Account ending in XXXX A charged-off credit card with a {$390.00} balance. 
Payments were being made before hardship, and the credit line was only {$200.00}. 
I ask for a goodwill deletion as a gesture to help me recover financially. 
XXXX. XXXX XXXX Account ending in XXXX Charged off with {$1600.00} written off. 
Previous XXXX XXXX loans were paid or refinanced ; the newest one was sold to collections without further update. 
I ask that this be removed as I was actively making payments before circumstances changed. 



Requested Resolution : Immediate deletion of these negative marks from my credit report with all three credit bureaus ( XXXX XXXX XXXX XXXX XXXX 
Consideration of the hardship circumstances, refinanced accounts, and overlapping duplicates. 
A fair and timely resolution to clear my credit profile so I may recover and rebuild my financial standing.

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 2025-06-17 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: Credit Central Holdings, LLC
State: SC

Complaint narrative:
Description of What Happened and Resolution Request : I am writing to formally dispute and request the removal of several negative accounts from my credit report due to either resolved status, inaccurate reporting, or financial hardship. Ive previously attempted to resolve these matters and believe some of them may not reflect my current financial standing or were not accurately updated. These negative marks are severely affecting my ability to obtain credit, despite efforts on my part to correct or pay down my obligations. 

Accounts in question : XXXX. XXXX XXXX Account ending in XXXX Charged off with a balance of {$540.00} as of XX/XX/XXXX. 
I previously refinanced and closed earlier accounts with them in good standing. 
I request this be removed as a goodwill adjustment or due to confusing overlap between multiple loans. 
XXXX XXXX XXXX XXXX Account XXXX in XXXX XXXX surrender reported, with {$7300.00} still showing as past due. 
The last payment activity occurred in XXXX, yet the account has remained unchanged. 
I am asking for a reevaluation or deletion, especially due to the hardship at the time and my attempt to cooperate with the creditor. 
XXXX Credit Central Account XXXX in XXXX Charged off with {$900.00} still past due, despite prior dispute and payment efforts. 
An earlier account from the same company ( ending in XXXX ) shows paid and closed. 
Requesting deletion due to redundancy and negative impact from repeated listings. 
XXXX. XXXX XXXX XXXX XXXX collections listed : {$1500.00} and {$2200.00} for XXXX XXXX XXXX XXXXXXXX XXXX, respectively. 
These debts were either sold or disputed previously and continue to show without updated resolution. 
I request deletion based on outdated status or lack of updated investigation outcome. 
XXXX. XXXX XXXX XXXX Account ending in XXXX A charged-off credit card with a {$390.00} balance. 
Payments were being made before hardship, and the credit line was only {$200.00}. 
I ask for a goodwill deletion as a gesture to help me recover financially. 
XXXX. XXXX XXXX Account ending in XXXX Charged off with {$1600.00} written off. 
Previous XXXX XXXX loans were paid or refinanced ; the newest XXXX was sold to collections without further update. 
I ask that this be removed as I was actively making payments before circumstances changed. 



Requested Resolution : Immediate deletion of these negative marks from my credit report with all three credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX 
Consideration of the hardship circumstances, refinanced accounts, and overlapping duplicates. 
A fair and timely resolution to clear my credit profile so I may recover and rebuild my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief