vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: EQUIFAX, 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 Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$26000.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
I am filing a complaint regarding an Apple Card dispute for a {$210.00} charge for a one-year XXXX XXXX  subscription purchased through the Apple App Store in XX/XX/year>. 

Apples refund policy is vague and provides no clear time window or criteria for refunds. The merchants own terms state that refund requests based on service expectations should be handled by their support team. I contacted XXXX support, but they confirmed they can not issue refunds for App Store purchases and referred me to Apple. Apple then denied my requests without explanation. 

I filed a dispute with Goldman Sachs and submitted documentation of these interactions. Despite this, the dispute was denied twice with the statement that no evidence was provided, which is inaccurate. I provided evidence that I followed both Apples and the merchants stated procedures and was left with no remedy. 

I am asking that Goldman Sachs and Apple Card review this dispute again, acknowledge that evidence was provided, and ensure a fair and transparent resolution process for digital-service purchases where no meaningful value is delivered and no clear refund path exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: First Help Financial, LLC
State: CA

Complaint narrative:
Credit inquiries by multiple companies where I was not informed my credit was going to be ran as what I had filled out was supposed to be a pre approval where they promote that a credit check will not be done. 

The following dates where reported on my credit : XX/XX/XXXX - XXXX  XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX dealer XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting a dispute for the following accounts that I believe are inaccurately reported on my credit report. These accounts include charged-off items, inquiries, positive accounts, and late payments. I have outlined the disputed items for each credit bureau ( XXXX, Experian, and XXXX ) below. 

CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$11000.00} XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$1100.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2800.00} XXXX, XXXX, XX/XX/XXXX, {$13000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$300.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} INQUIRIES Experian ( XXXX ) XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/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 explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
This is my second experience with XXXX Bank changing late fees for their OWN errors. 

This complaint applies to my XXXX Credit Card which is now closed per my request. The issue started this summer when I paid my bill ON TIME. According to my bank my payment was processed by Comenity Bank late after the due date even though they received it on time. I was under the impression I paid my bill on time and in full so I did not know I was receiving a late fee. The late fee was applied to the next billing cycle. I was unaware there was an issue so I did not pay anything on the next billing cycle which caused another late fee on top of the first late fee. When I finally did use the card again for less than {$25.00} there were all these extra charges. I paid the {$25.00} fee on time again and comenity has refused to removed these unjust late fees. They just keep accumilating even though the card is closed and unused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: 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 TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$26000.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I am submitting this formal complaint regarding the continued freeze of XXXX ( XXXX ) of my accounts, including a personal account and the account of a minor, despite the lien against these accounts being officially released. 

On XX/XX/year>, a creditor issued a lien release, and I was informed by JP Morgan Chase representatives that my accounts and all associated funds would be fully accessible within XXXX business days. As of today, it has been XXXX ( XXXX ) business days, and my accounts remain frozen without legitimate justification or clear communication from the institution. 

Over the course of this issue, I have contacted the customer service team approximately XXXX times and each time I have been told simply to " monitor the account ''. On XX/XX/year>, I was explicitly told that funds would be available ; this did not occur. XXXX representative later stated they could not provide any timeframe, and another acknowledged thatalthough they emailed the responsible department noting the urgencymy case has not been touched in XXXX days. 

This ongoing delay is unacceptable and has caused significant financial disruption and distress. Freezing multiple accounts, including a minors account, after the XXXX has been released and after multiple follow-up requests, is both unreasonable and negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center 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 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 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Description of what happened On XX/XX/year>, I submitted a dispute to each credit bureau requesting that they verify an account that appears on my credit report. I asked the bureaus to provide all documentation proving that this account belongs to me. I clearly stated that this account is not mine, and I have never had this account. 

Despite my request, the account remains on my credit report. This inaccurate information is negatively affecting my XXXX score and my overall credit standing. I am requesting that the credit bureaus complete a proper investigation and remove this account from my credit report as it does not belong to me. 

I am seeking assistance from the CFPB to ensure that this incorrect and harmful information is corrected.

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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I deposited {$1300.00} cash into a Bank of America ATM. The ATM only credited {$300.00}. I have credit card payments due and when requesting the bank to issue a temporary hardship credit while they take days to investigate they transferred me 3 times without answer. This is causing financial harm and I need immediate resolution.

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 2025-11-17 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: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-11-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute several items on my credit report, which I believe to be inaccurate or incomplete. Please find the details of the accounts in dispute separated by bureau as requested. 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$620.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$230.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : 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 2025-11-17 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: FL

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reflected on my credit report. Upon review, I found information that appears to be outdated or inaccurate. I respectfully ask that my credit file be corrected to ensure it accurately reflects my current and verified financial information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Date of occurrence : XX/XX/year> Time : anywhere from XXXXXXXX XXXX to XXXXXXXX XXXX  Amount of deposit : {$2000.00} Action taken : I submitted the claim, provided them with all the information, they only checked the count on their atm and said it did not get stuck on the machine and most likely the money came out of the machine most likely as I drove away. ( This atm machine was a drive thru atm. ) therefore they denied my claim. I was told there was nothing else I could do and that the only way to attain camera footage was by attaining a subpoena. I tried attaining the subpoena, but was told by law enforcement and the court that in my case it was not possible to attain one. Now I am stuck because Chase does not want to even view the camera footage to see who grabbed the money and why the machine had the error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P&B Capital Group, LLC
State: CO

Complaint narrative:
I was contacted Friday XX/XX/year> in the afternoon by an individual whose phone number was flagged by my cellular service provider as a scam phone number. After 5 attempts to call the same number that was on my caller ID, someone finally answered from what sounded like a very make-shift office. When I asked her name, she refused to disclose it, but had no problems rattling off my social security number back to me. I disclosed my identity, she told me that if I did not resolve the matter in full by this week she would note I was refusing to pay the debt. 

She did not provide the required mini-miranda required by FDCPA, and I have not received any initial written notification stating my account was turned over for third party collection efforts. I told her I would address the matter directly with the original creditor, to which she replied " You can't do that - you have to deal with me. '' She did mention she was recording the conversation. Today I received a text message threatening adverse credit reporting if I did not contact them immediately at XXXX, with a reference number attached to the text message. In the meantime, the original creditor has offered me a reduced settlement amount, so it seems like collection efforts are taking place from both ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute certain items on my Experian credit report, which I believe contain inaccuracies. The following accounts are in dispute : [ Inquiries ] FACTUAL DATA, XX/XX/XXXX XXXX XX/XX/XXXX [ Late Payments ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 2025-11-17 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Inadvertently, I made a duplicated payment to my PayPal Visa issued by Synchrony Bank. Immediately after, I realized what had happened. I reached out to PayPal who referred me to Synchrony Bank I explained what had happened and that there was not enough funds to cover both payments. I was referred to my bank and I wasn't able to get any help because the transaction were still " pending '' however, I was told the transaction would be rejected. When I notified Synchrony I told them the transaction would be rejected. At no given time I was told there would be an NSF fee. I paid off the total with the XXXX  payment and now Synchrony is hounding me about the NSF fee and then some. How do I correct 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 2025-11-17 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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