vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
My husband and I were listed as beneficiaries on our daughter 's savings account. She died in XXXX XXXX. When I called in XXXX to notify Marcus of her death, the rep took all of our information and sent us the paperwork to fill out the beneficiaries. We returned all required documents in XXXX. My husband received a check in XXXX for part of one account. We have copies of L8 forms signed by XXXX XXXX, XXXXXXXX XXXX  Goldman Sachs. 

Since XXXX, Marcus has been claiming that we were not listed on beneficiaries on both accounts. We maintain that this is false. There have been numerous phone calls back and forth on the matter, which is upsetting and beyond frustrating. We can not get one representative to help us receive our late daughter 's money. 

We reached out to XXXX XXXX, but have not heard back from her.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-10-27 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: GA

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 XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-27 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: GA

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 XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been a customer of Citibank for a XXXX or more and have opened XXXX additional accounts this year for my businesses. I spend between $ XXXX per month, always in full and on time. XXXX recent account maxed due to a business expense. I was notified and made the payment of that day {$20000.00} in full on XX/XX/XXXX and it cleared the bank XX/XX/XXXX. The account was in good standing. As I began to do business on XX/XX/XXXX the account is on hold. In speaking to Citi the payment will be " verified '' status until XX/XX/XXXX and I can not use my account. This is a full week without crediting my payment after it has cleared my bank. They can see by my history that I use the same bank and my credit and history are excellent. Their customer service was condescending and told me that it was their pleasure to educate 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 non-monetary relief
Consumer complaint received 2025-10-27 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: IL

Complaint narrative:
I am requesting the removal of certain information from my credit file, as detailed in the attached XXXX  document. I am a victim of identity theft and have multiple accounts and inquiries on my credit report that I did not authorize. I ask that these items be deleted so that my credit report reflects only accurate information. I have reported the identity theft to the Federal Trade Commission and have included copies of the report. I request that these items be removed from my credit report as soon as possible.

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 2025-10-27 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Opened XXXX XXXX credit card in early XXXX, met the required spend for sign up bonus and fully paid all charges and {$590.00} annual fee. 

Card was later locked because they needed to verify identity and income. I filled out the XXXX form and sent it in within days of receipt, a rep confirmed that they received it within a week. 

Was told multiple times that they are just waiting for the information back from the IRS and there was nothing I could do but wait. I asked if the government shutdown would impact the IRS ' ability to send the required info in a timely manner and none of the reps I talked to knew if it would and/or if that would be calculated into the return estimate. 

After 8-10 calls over six weeks trying to work with them to keep my account open and in good standing it was simply closed today. Calling again, I was offered the opportunity to reapply for the cards, but no advice on how to recoup the {$590.00} fee I paid or the ~150K points I accrued.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-10-27 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: AL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: ID

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-10-27 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: MO

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Issue : Unexpected cash advance fee on credit card purchase at Michigan XXXX kiosk What happened : On XX/XX/year>, at approximately XXXX XXXX XXXX I used my Citi credit card at an official Michigan Lottery self-service kiosk to purchase a lottery ticket. The kiosk displayed normal credit card payment options and operated like any standard retail payment terminal. There was no indication or on-screen message suggesting that the transaction would be processed as a cash advance. 

After the transaction, Citi charged my account a cash advance fee and began accruing immediate interest on the amount. I never received any cash or direct access to funds I only purchased a lottery ticket. 

Actions taken : On XX/XX/year>, I contacted Citi customer support via chat to dispute the fee. 
The representative confirmed the transaction was automatically classified as a cash equivalent under XXXX policy and that cash advance fees apply to lottery purchases. I requested a one-time courtesy reversal and escalation to a supervisor. On XX/XX/year>, at approximately XXXX XXXX XXXX, a Citi supervisor responded that the fee could not be waived, citing the terms and conditions of my credit card agreement. 

Why this is a problem : The Michigan Lottery kiosk provided no disclosure that using a credit card would trigger a cash advance fee. The transaction appeared identical to a normal purchase, giving no reasonable notice to the consumer. 

This results in unexpected charges and immediate interest, effectively misleading consumers particularly since this is a state-operated kiosk accepting standard credit cards. 

Requested action : I request that the CFPB review XXXX classification of Michigan Lottery kiosk purchases and consider requiring clearer consumer disclosure at the point of sale or within issuer policies. Customers should be explicitly warned when a credit card purchase will be processed as a cash advance to avoid hidden fees and interest charges.

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 2025-10-27 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My Barclays credit card information was stolen and my mailing address was changed, a secondary card was send to the fraudulent address, and over {$6000.00} of charges was charged to the account. I reported this via phone on XX/XX/year> to Barclays who cancelled the original and fraudulent cards and sent me a new card. After numerous attempts to get a status from Barclays I then mailed via registered mail a fraudulent notice to Barclays on XX/XX/year>. Since then after more phone calls they have failed to resolve the issue. Barclays has also reported to the credit bureaus that my account is 60 days past due and my credit score has dropped over XXXX points because of the delinquent 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 2025-10-27 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: IL

Complaint narrative:
My credit report includes a bankruptcy record that I believe is inaccurate or can not be verified. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a completely accurate credit report. I request a review of this bankruptcy entry, and if it can not be verified, its removal.

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 2025-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I received an unsolicited credit card promotion letter from XXXX XXXX about XX/XX/year>. The promotion invited me to obtain a XXXX XXXX XXXX Credit Card for my business. In exchange for registering for this card I would be eligible to receive up to {$100.00} off of a purchase of {$1000.00} using the card. When I received the credit card the credit limit was only {$500.00}. I contacted Home Depot credit services and requested a credit limit increase up to the {$1000.00} which would allow me to take advantage of the {$100.00} off the purchase I was contemplating. I received a letter advising me my request was denied. I think it is important to mention here that I have a personal Home Depot credit card with a credit limit of {$5000.00} and my credit score is above XXXX. 

I am a licensed forensic accountant and fraud XXXX. I consider this a deliberate effort on the part of XXXX XXXX to deceive me into patronizing their company on false pretenses. Any promotion offering a {$100.00} benefit upon using their card to purchase {$1000.00} surely must provide the sufficient credit limit in order to obtain the benefit. 

I will sincerely appreciate it if you can apply appropriate pressure to XXXX XXXX to either stop this fraudulent promotion or correct it so others are not damaged as I have been. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NJ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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