vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: NV

Complaint narrative:
Complaint Statement : This is an escalation of a fraud dispute complaint against Goldman Sachs Bank USA regarding 5 unauthorized XXXX XXXX  transactions totaling {$3000.00}. 

I have submitted overwhelming, documented evidence to Goldman Sachs including : A copy of my Nevada driver license ( proving my legal residence is in XXXX XXXX, NV ) Receipts from the merchant showing the orders were delivered to an unrelated third party ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA ) A certified XXXX receipt and tracking confirmation proving that a Notice of Intent to Arbitrate was delivered and picked up by Goldman Sachs on XX/XX/year> Despite this, Goldman Sachs continues to issue false and misleading responses. In their most recent XX/XX/year> response to the CFPB, they falsely claimed : The Bank has not received a formal arbitration notice. 

This is a documented lie. My certified arbitration notice was mailed to the address stated in the Apple Card agreement : Goldman Sachs Bank USA XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX tracking XXXX XXXX confirms the notice was delivered and picked up on XX/XX/year> at XXXX a.m. 

This is just the latest in a pattern of deceptive conduct by Goldman Sachs, which includes : Repeatedly denying legitimate fraud claims without investigating critical evidence Mischaracterizing my case as showing no suspicious activity when the delivery address and recipient are indisputably unrelated to me Providing copy-paste responses across XXXX CFPB complaints while refusing to escalate or acknowledge the evidence submitted These misrepresentations are now being documented and compiled as exhibits for submission to XXXX XXXX. Once the XXXX window expires on XX/XX/year>, I will proceed with filing. I am also preserving these responses as potential evidence of willful noncompliance with federal law. 

I allege that Goldman Sachs is violating : The Fair Credit Billing Act ( 15 U.S.C. 1666 ) by failing to fairly investigate billing errors Regulation Z ( 12 CFR 1026.13 ) by issuing denials without substantive evaluation UDAAP statutes ( 12 U.S.C. 5531 & 5536 ) by repeatedly misrepresenting facts and denying claims in bad faith This is no longer just about a disputed charge this is about a national bank issuing false statements to federal regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-09 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: MI

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Subject : Formal Complaint Regarding Lack of Automatic Payment Option and Unfair Late Fees To Whom It May Concern, I am writing to formally express my frustration and concern regarding Bread Financial/Comenity Banks continued refusal to offer automatic payment options for credit card accounts. I have contacted customer service on multiple occasions requesting to set up automatic monthly payments drafted from my bank account, and I have consistently been told that this is not an option available. 

This lack of a basic and widely standard service feature is unacceptable. Nearly every other financial institution provides customers with the ability to automate their payments to ensure on-time billing and avoid penalties. The absence of this featurecombined with the immediate imposition of a late fee if a payment is even a single day latefeels predatory and intentionally structured to generate revenue through penalties rather than through fair and transparent customer service. 

I believe this practice is intentionally designed to increase the likelihood of missed or late payments, thereby subjecting customers to late fees that could easily be avoided with a standard auto-payment feature. As a responsible consumer who has taken the initiative to request this feature several times, I find it unacceptable that my only option is to manually pay the bill every month and risk being charged if there is a delay for any reason. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-10 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: MD

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents 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 2025-05-09 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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

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 2025-05-09 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: MA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
They called me and said I owed a debt when I ask for proof, they told me the ran my credit report and compared my signature on the report with the debt owed and determined it was my debt

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 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I transferred {$280.00} to my bank account and I transferred another {$250.00} to my bank account there's {$38.00} left on my XXXX account and they suspended it and I don't know if I will get any of it I can't get a hold of anybody and they said something about suspicious activity when the only suspicious activity has been XXXX themselves

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-09 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$5200.00} XXXX XX/XX/XXXXXX/XX/XXXX - {$2000.00}XX/XX/XXXX XX/XX/XXXX - {$85.00} XX/XX/XXXX XXXX - XX/XX/XXXX - {$270.00}

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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX  days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am writing to formally report the existence of XXXX fraudulent accounts that have been identified on my credit report. I respectfully request that these accounts be thoroughly investigated and permanently removed from all consumer reporting agency files. 

Fraudulent Accounts in Question : XXXX XXXX, reported as opened on XX/XX/year> XXXX CBNA, reported as opened on XX/XX/year> I have no knowledge, authorization, or connection to the opening or use of these accounts. I did not apply for or consent to any credit lines with Macys or XXXX. I believe these accounts were fraudulently opened using my identity without my knowledge or permission. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, I am requesting the blocking and removal of these fraudulent items from my credit report. This law gives victims of identity theft the right to have fraudulent information removed once proper documentation has been submitted.

Additionally, under California Penal Code 530.5, the unauthorized use of personal identifying information to open financial accounts constitutes a criminal offense punishable by law. I urge the CFPB to ensure that Macys CBNA and XXXX CBNA comply with all legal requirements for verifying consumer identity and act promptly to correct this situation. 

I have already filed disputes with the credit reporting agencies and included supporting documents including a government-issued ID and proof of address. Please find copies attached to this letter for your review. 

Requested Action : Conduct a formal investigation into Macys CBNA and XXXX CBNA accounts. 

Require the immediate removal of these accounts from all three major credit bureaus ( Equifax, Experian, and TransUnion ). 

Ensure the furnishers are held accountable under federal law if found negligent or non-compliant. 

Thank you for your attention to this serious matter. Please confirm receipt of this complaint and notify me of any developments regarding this case. I am willing to provide any further documentation needed to support this investigation.

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 2025-05-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/XXXX I signed up for the XXXX XXXX XXXX  card through Synchrony Bank and made a XXXX XXXXXXXX couch purchase because the associate mentioned the 10 % back in rewards. I was instantly approved for XXXX XXXXXXXX balance. I paid off the card in full on XX/XX/XXXX. XXXX month later I was told my card had been closed to to risk of being unable to pay and my rewards would be forfeited. I contacted Synchrony and they were not able to tell me any reasoning for the sudden closure after XXXX month. They said they would re-review and get back to me in XXXX business days. I chatted online with them XXXX business days later ( today ) and they said it would be XXXX days at least and my rewards could not be used. They also provided no reason. I would like my card reopened and/or my earned rewards to be made valid again. I have an over XXXX credit score with perfect credit history and clearly can pay since I paid it off instantly. It seems they just dont want to give me my rewards which is super shady. Please help.

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 2025-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB
State: MA

Complaint narrative:
I never received the package I ordered. After contacting Klarna regarding the issue, they advised me to reach out to my bank to dispute the charge. My bank issued a chargeback for the original amount of {$69.00}. Klarna is now requesting that I repay this amount, but I have already paid them back in full. I also attempted to contact the merchant, but it appears they are a fraudulent company and have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-09 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: MI

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Upon reviewing my credit report, I noticed 2 separate 90 day late payments together on Department Of Education- Account Number XXXX that I believe is inaccurate. As soon as I noticed this, I made a payment the same day. My loan servicer ( Aidvantage ) has violated my consumer rights based on Higher Education Act 20 U.S.C. s 1083 e. I didnt receive any notice that my payments were out of forbearance and beginning. 

I am requesting a full investigation and verification of ( Aidvantage ) telling me that my account was coming out of forbearance and my payments are becoming due. If the creditor is unable to provide sufficient evidence, I am asking that records get updated to reflect accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Recently, all of my accounts with Wells Fargo were closed without any prior notice or warning. I discovered this when I attempted to withdraw money from an ATM and was unexpectedly denied access to my funds. I then visited a branch in person, where a representative informed me that my accounts had been closed. That was the first time I received any communication regarding this action. 
Following this, I contacted Wells Fargo management seeking clarification. The only response I received was that the account closures were a business decision by the bank. I was not provided with any explanation, nor was I informed if my accounts had been flagged for any specific issue. 
I am the owner of a legally registered business in the United States. I am also a new father, and the closure of my accounts has directly impacted my ability to financially support my newborn and family. The situation has caused significant stress and hardship, as I rely on these accounts to operate my business and manage essential expenses. 
The only distinguishing factor I can identify is that I am of Armenian descent. Given the fact that XXXX XXXX XXXX XXXX Department is currently investigating claims that major banks, including Wells Fargo, have engaged in discriminatory practices against Armenian customers, such as abrupt and unexplained account closures, I have reason to believe I may have been unfairly targeted based on my nationality. 
Furthermore, the way I was treated during this process was deeply disrespectful. I was made to feel less than humandismissed without dignity or care. Despite multiple attempts to seek answers and resolution, Wells Fargo has refused to provide any meaningful explanation. 
I am submitting this complaint to formally request an investigation into the actions of Wells Fargo, including their rationale for closing my accounts and the possible discriminatory motive behind 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation