vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
A charge appeared on my Apple/Goldman Sachs credit card from XXXX for {$150.00} on XX/XX/2025. I was shopping with my daughter in XXXX XXXX, XXXX. I immediately contacted Apple/Goldman Sachs via the online process for disputing a fee. They temporarily reversed the charges while investigating. 

In XXXX Apple/Goldman " determined '' that the charges were legitimate and re-charged me. Upon receiving their email notification I called and spoke with a supervisor in the dispute department. He reopened the case, again removed the charge, and put in a request for someone to call me to discuss. 

A woman called me on XX/XX/XXXX from XXXX and acknowledged that the evidence suggests that the charges weren't made by me. They name used was XXXX and the IP address was in XXXX. Again, I was physically standing in a store in XXXX XXXX in XXXX  at the time. There are charges on the card from my purchase at a XXXX XXXX XXXX XXXX, where I physically used the card, at the same time. My daughter was with me and is a witness. 

I received the evidence a week later, and it did confirm that the purchase was made from an IP address in XXXX  and the name on the shipping label was XXXX. 

Today, XX/XX/XXXX, I received another email from Apple/Goldman again determining that the charges are legitimate and re-charging me the {$150.00}. I again called and some with a supervisor. He suggested that I am trying to deceive them and perpetrating fraud. He refused to give me his last name or escalate my inquiry. He reopened my dispute but told me that if i do not have any additional evidence then they will likely return the same findings. 

This is, at best, incompetence, and at worst fraud being perpetrated by this company. As the consumer, I have no recourse and if I refuse to pay that charge my credit will suffer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-18 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: VA

Complaint narrative:
I am filing this complaint because XXXX  is reporting unauthorized hard inquiries that I never approved or initiated. These inquiries were not connected to any credit application or permissible purpose under the Fair Credit Reporting Act ( FCRA ). XXXX  has failed to properly verify or remove these items despite my dispute, violating FCRA Sections 604 ( a ) ( 3 ), 607 ( b ), and 611 ( a ) ( 1 ) ( A ). 

INQUIRIES XXXX XXXX XX/XX/year> This entry represents another unauthorized inquiry. There is no documentation or permissible purpose justifying this hard pull. As required by Section 604 ( b ) of the FCRA, inquiries must only occur with the consumers explicit authorization. I never provided such consent, so this entry must be deleted immediately. 

XXXX XX/XX/year> This inquiry is not valid and appears to be duplicated multiple times, which suggests errors in reporting or data processing. Duplicate or unauthorized inquiries reduce my creditworthiness and violate the FCRAs standard of accuracy under Section 607 ( B ). I am requesting deletion of this item immediately. 

XXXX XX/XX/year> I have never applied for credit or services with this entity. This unauthorized inquiry was made without my permission, which violates FCRA Section 604 ( a ) ( 2 ). The inquiry is invalid, has no permissible purpose, and should be deleted promptly to prevent further harm to my file. 

These unverified inquiries harm my credit and show XXXX failure to maintain accurate reporting. I request the CFPB to investigate and ensure XXXX  removes these inquiries immediately and complies with the FCRA.

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 2025-10-18 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX -Date Opened XX/XX/year> -Balance {$850.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2025, I paid {$2700.00} ( {$2200.00} + {$470.00} ) via debit card to XXXX  XXXX/ XXXX XXXX for a round-trip flight from XXXX  XXXX XXXX XXXX ) to XXXX ( XXXX ). The amount included a {$440.00} Travel Care Service fee, which their agent stated would waive all XXXX and airline penalties if I needed to change or cancel my trip. 

Later, when I tried to change my dates, the company demanded an additional {$770.00}, claiming it was a fare difference. However, XXXX XXXX confirmed there was no fare difference or airline fee. I requested written proof of this charge and the source of their pricing, but XXXX XXXX failed to provide documentation. 

When I requested a refund, they said I would only get {$1800.00} back, withholding both the {$440.00} Travel Care fee and a {$300.00} airline cancellation fee. They have not shown any evidence that these deductions were made by the airline. 

This company has misrepresented services and failed to honor its own terms. The Travel Care fee was marketed as protection against such costs, yet they are keeping nearly {$850.00} in unauthorized charges. 

I have written emails from both XXXX XXXX  and XXXX XXXX confirming these details. Despite multiple follow-ups, the company refuses to correct the issue or provide transparency. 

I am requesting that Bank of America investigate and issue a provisional credit for the disputed amount while this matter is reviewed.

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 2025-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: MA

Complaint narrative:
I am receiving emails about a debt and utilities at a home I do not live at

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair reporting act the accounts below violated my protected consumer rights by not notifying me of any such process that was going on with XXXXXXXX XXXX therefore causing me much turmoil in getting a new insurance company by stating I got in a car accident and I never did they never investigated I never heard of them until they went to get in car insurance which is fraud by their head people they just assumed that that's what happened I never gotten an accident I never got a ticket nothing I tried to get a hold of them they will not answer I'm done with them therefore I believe that everything in my credit reports Equifax TransUnion and experience should be taken out because everything is falsified now

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 2025-10-18 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: NY

Complaint narrative:
In accordance with the fair reporting act the accounts below violated my protected consumer rights by not notifying me of any such process that was going on with XXXXXXXX XXXX therefore causing me much turmoil in getting a new insurance company by stating I got in a car accident and I never did they never investigated I never heard of them until they went to get in car insurance which is fraud by their head people they just assumed that that's what happened I never gotten an accident I never got a ticket nothing I tried to get a hold of them they will not answer I'm done with them therefore I believe that everything in my credit reports Equifax TransUnion and experience should be taken out because everything is falsified now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Kikoff Inc.
State: NY

Complaint narrative:
On XX/XX/2023 I opened an account with kikoff to help build my credit I was sent a card that you can shop with their online store, which was misleading because I was told I can shop anywhere.i did not use the card because I didnt like what they sold.mysteriously I was being charged for purchasing I never used in XXXX when Im from XXXX XXXX.ive never been to XXXX  Ive brought this to their attention several time Ive also made a complaint with the XXXX even also made several disputes with credit bureaus for fraudulent activity.it came back as accurate now its been posted on credit bureaus as bad credit for credit it never used.its posted that Ive had a credit limit of {$2500.00} with past due {$140.00} and with highest amount of {$240.00} and charged off due to bad credit please help Ive never use any of this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I found out that my ex spouse put XXXX in deferment XX/XX/XXXX for Covid. I was never told nor did I sign papers for that. After finding out I asked for the form while XXXX was paying those fully but was not given the proper form after many requests. After I asked them how this was done without my consent they sold my loan to XXXX. They sold it while in preservation. The forbearance though not my request either was due to divorce pending that has lasted from 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 2025-10-18 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: AR

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 2025-10-18 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-18 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: PA

Complaint narrative:
I am writing to formally request the removal of incorrect address information currently listed on my credit report. Upon reviewing my credit file, I noticed the following addresses that do not belong to me and should not be associated with my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We modified a loan on XX/XX/XXXX for {$44000.00} on our home. We went through XXXX XXXX first then XXXX XXXX sold our account to XXXX XXXX XXXXXXXX. We have been late several times through the years but we have gotten caught up from time to time. I feel like we could never ever get caught up because of the bogus charges they kept charging us. Then in XXXX XXXX XXXX XXXX sold our loan to Shellpoing In year XXXX we made over {$6000.00} payments and they said we were all caught up. Now they said we owe all these bogus charges that we could never get caught up! In XX/XX/XXXX we had to pay our loan off for the amount of XXXX, XXXX? it was almost {$35.00}, XXXX? How is that when we only borrowed XXXX, XXXX in XXXX? We need help because they have swindled thousands of dollars from us. This is not right to do this to a person who has to work their XXXX off!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: AR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: FIRST CITIZENS BANCSHARES, INC.
State: CO

Complaint narrative:
The First Citizens Bank closed my online account. I need the bank to open an online account for me so I can pay bills on time and get my statements. The bank charged a fee for mailing bank statements and an annual fee for renewing home equity loans. I give SCRA to encourage the bank to reduce its interest rate by 6 %. However, they closed my online account, and the bank put a machine in place that no one can help me with making payments for my XXXX mortgages and equity loan. I called the customer service, but the bank doesn't take payments by phone. What can you do to prevent the bank from not servicing customers or from charging excessive fees? 
XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: CCS Financial Services, Inc.
State: MN

Complaint narrative:
wasn't able to reach a real person, never got the information

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: AR

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account was reported in error and needs to be removed immediately. I did not authorize it. Attached is supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: AR

Complaint narrative:
I have no link to the named creditors and did not provide authorization for this inquiry. Please delete it 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 explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XX/XX/2024 I deposited a check into my new Citibank account for around {$670.00}. The check was deposited then my account got closed and I never received a fund of that money. I have called many times for information on it but could never get a straight answer. I can access any documents or information on 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