vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am filing a complaint regarding an unauthorized charge on my Apple Card, issued by Goldman Sachs Bank, which has not been properly addressed despite multiple disputes. 

On XX/XX/year>, a charge of {$210.00} was processed by the merchant XXXX. This transaction was not made by me, and I have substantial evidence proving it was fraudulent. 

Before the charge went through, there was an earlier attempt by the merchant that was declined due to an incorrect security code. 

A separate charge of {$0.00} to a merchant called XXXX also appeared and was later refunded after I disputed it. 

I discovered that someone created an account on the XXXX website using my name and email, but not my credit card number. 

The XXXX account displays the ticket purchase made with a card whose last four digits do not match my Apple Card, with a different billing address and different security code from mine. 

My physical Apple Card and my phone were in my possession at the time of the transaction, and the real card number associated with my Apple Card does not match what XXXX shows. 

I contacted XXXX, and they advised me to request a chargeback. 
However, Goldman Sachs denied my dispute twice, stating that the purchase was made by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-25 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: SANTANDER HOLDINGS USA, INC.
State: NM

Complaint narrative:
On XX/XX/year>, I purchased a vehicle from XXXX XXXX XXXX XXXX, which was later determined to be a lemon. Issues ranging from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The dealership acknowledged the issues and originally agreed to swap out the vehicle. I drove down from XXXX XXXX for this purpose, but at the last minute, they reneged on the agreement and only offered me {$15000.00}, refusing to pay off the existing loan. 

Subsequently, XXXX of XXXX XXXX evaluated the vehicle and offered to pay off the Santander loan in full, along with a {$25000.00} trade-in value. However, Santander rejected the offer without valid justification. 

Due to these unethical and unreasonable actionsby both the dealership and Santanderthe account does not reflect a fair or accurate representation of my creditworthiness or my intent to resolve the matter. 

I am attaching supporting documents, including correspondence and dealership offers. Please conduct a full reinvestigation and remove or correct this account. I also request written confirmation of the results and an updated copy of my credit report. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
Experian failed to conduct a reasonable reinvestigation under FCRA 1681i. 

I sent Experian a written dispute via certified mail, including XXXX Amended Statement of Deposit Accounting ( SODA ) showing a corrected balance of {$3700.00}, not the {$9000.00} reported by XXXX XXXX XXXX. USPS Tracking XXXX XXXXXXXX XXXX deleted the same collection account based on this documentation. 

Experian marked the account verified, but did not provide : The Method of Verification, Any documentation from XXXX XXXX XXXX, Or proof of a reasonable investigation. 

Experian is therefore in violation of FCRA 1681i ( a ) and 1681e ( b ). 

I request : A full reinvestigation using the amended documentation, The complete Method of Verification, Copies of all documents Experian relied upon, Deletion of the account if verification can not be substantiated.

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 2025-11-25 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: GA

Complaint narrative:
I am submitting a formal dispute regarding the following accounts listed on my credit report. These accounts contain discrepancies that need to be investigated and corrected. Below are the details of the accounts in dispute : Charged-Off 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 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 2025-11-25 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: DE

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Bank / Financial Institution : Capital One Financial Corporation Type of Issue : Privacy violation / Unauthorized disclosure of personal information Complaint Description : On XX/XX/year>, at the Capital One branch in XXXXXXXX NY, sensitive information regarding my late fathers bank account ( Account Number : XXXX ) was improperly disclosed by Capital One to individuals who were not authorized account holders and had no legal right to access this information. My father passed away on XX/XX/year>, and I am the beneficiary of this account. 

Following this unauthorized disclosure, I have experienced : Harassment from the individuals who received my fathers account information False accusations that I stole funds or mismanaged the account Emotional distress during my grieving period Defamation of my character This breach constitutes a violation of federal privacy laws, including the GrammLeachBliley Act, and contradicts Capital Ones obligation to protect both customer and estate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NM

Complaint narrative:
Im writing to formally dispute an inaccurate tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it fails to meet the standard of maximum possible accuracy as required by 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act. 

Let me be clear if a tradeline can not be reported with complete and verifiable accuracy, then you are not legally allowed to report it at all. Right now, the way this account is appearing on my credit report is misleading, harmful, and not reflective of my true credit history. Thats unacceptable, and I will not sit back while my credit profile is being damaged by something that shouldnt even be there. 

As a consumer, I am exercising my legal right under federal law to demand that this inaccurate tradeline be removed in full. If you can not ensure that every detail balance, status, dates, payment history, and ownership is correct and fully substantiated, then it must be deleted. Reporting anything less than 100 % accurate information is a direct violation of your obligations under 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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
On multiple occasions between XX/XX/year> and today XX/XX/year>, someone gained unauthorized access to my Chime account from several devices and locations ( XXXXXXXX NC ; XXXXXXXX GA ; XXXXXXXX GA ). These were not my devices. While this was happening, the unauthorized person changed my email address on file, canceled my card, and ordered a replacement card to a fraudulent address that Chime refuses to disclose. 

They also connected my Chime account/card to fraudulent XXXX XXXX accounts and completed multiple unauthorized transfers, including a {$2500.00} transfer out of my savings and dozens of XXXX XXXX transactions I did not authorize. These were completed, not just attempted. 

I reported all of this to Chime immediately, changed my password, and logged out all devices. While I was on the phone with Chime today, an unauthorized device logged into my account AGAIN in real time and started trying to move my money. I told the representative and supervisor this while it was happening, and they did nothing to secure my account or stop it. 

Chime denied my fraud claim and refused to explain why. They would not tell me what evidence they used, what their investigation found, or what address the fraudulent card was mailed to. When I requested documentation, the supervisor refused to answer any questions, read a script, and hung up on me while my account was STILL being accessed by someone else. 

Chime is refusing to reopen the claim unless I provide documentation, but they will not tell me what documentation they need, and they denied the claim despite visible evidence of multiple unauthorized devices, location changes, email changes, card replacement, and unauthorized XXXX XXXX transfers. 

I receive XXXX benefits in this account. I am asking for CFPB assistance because Chime is refusing to protect my account, refusing to refund funds taken by fraud, refusing to provide documentation for their denial, and a supervisor hung up on me while the fraud was actively happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Multiple charges on different wells fargo accounts that they have refused to investigate or remove from account. They offer nowhere online to provide information or discuss the incorrect charges. I have a XXXX XXXX and can not make phone calls and their response simply says to " get someone trusted to make the phone call for me '' like dont you think I've done that aready??? I dont have unlimited supply of people to sit on hold for HOURS for me when they're already driving me to XXXX appointments and getting my XXXX. 
Then I filed complaints here about this previously and they respond without actually responding to me. They do not include the response in the online portal it just says " response attached '' without an attachment or a way to open whatever file it is. I was able to see 1 of the many and it claims it was sent via email AND MY EMAIL IS TYPED WRONG. 
This is blatant theft of my money by keeping these charges on my account and then absolutely unreal that wells fargo can get away with not responding or having typos in an email address! if they cant even get an email address right no wonder they refuse to look at disputed 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 2025-11-25 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: CO

Complaint narrative:
Transunion and XXXX have numerous wrong names and address 's on 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
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am a consumer working on fixing my credit, and I am submitting this complaint regarding the inaccurate reporting of accounts and inquiries. These accounts are listed as disputed across the major credit bureaus ( Equifax ). 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9300.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} Late Payments : XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
The ALLY charged off the debt but did not eliminate the debt since they knew that the amount was ridiculous. I am requesting that the debt be removed since its still damaging my credit sitting there as a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Emails, text messages, and postal mail have been sent to me about unknown debt by Midland Credit Management , Inc Amount {$2000.00} Multiple times throughout the year I have been receiving notices about said and they have threatened with lawyers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
At approximately XXXXXXXX XXXX XXXX on XX/XX/XXXX, I contacted Cross Country Mortgage as I noticed my school taxes had increased and wanted to have my escrow account adjusted to cover the shortfall coming in XXXX. My last escrow analysis was XX/XX/XXXX, and my next one is scheduled for XX/XX/XXXX which is a gap of XXXX  months. As a mortgage holder, I believe I am entitled to XXXX per year and they admittedly did not perform XXXX in XXXX. I called in an attempt to have the monthly escrow increase adjusted from $ XXXX ( current ) to $ XXXX ( future ) to compensate for my school tax increase to compensate for the coming shortfall in XXXX. The agent on the phone spoke to her supervisor who claimed that they could not initiate an escrow analysis without " depositing money into my escrow account ''. When I pressed them for an amount, they could not provide XXXX so I presented an arbitrary number of {$100.00} to see what their response would be. Their answer was " that it is not enough '' to initiate an analysis, which left me dumbfounded that a mortgage company of this size does not understand basic escrow protocol within their own ranks. At this juncture I stated that I would be filing a complaint with the Consumer Financial Protection Bureau as the information they were providing me did not seem factually accurate. Their response was that they were looking into why I did not receive an escrow analysis in XXXX and would get back to me at a future date. As of this writing, they have not responded to or have made any adjustment to my escrow increase, nor is there news about my XXXX escrow analysis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: OK

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-11-25 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit report as provided by TransUnion. Please review the details below : Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$320.00} XXXX XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$24000.00} Late Payment : XXXX, Account Number : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: MO

Complaint narrative:
I could not add onto or submit further documentation. Please see attached email. This is out-right ridiculous. 

I have to have a temporary credit on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, This letter serves as a formal dispute for the following accounts listed on my TransUnion credit report. The accounts in question appear to have been incorrectly reported as charged off or with incorrect late payment information. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Late Payments : XXXX Account Number : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX, NFCU sent me a repossession letter demanding {$14000.00} by XX/XX/XXXX for a XXXX XXXX XXXX. 

However, my XXXX  credit report dated XX/XX/XXXX shows : Status : " Account charged off. {$14000.00} written off. {$14000.00} past due as of XX/XX/XXXX '' Status updated : XX/XX/XXXX NFCU charged off this debt in XX/XX/XXXX and sent a repossession letter XXXX days later in XX/XX/XXXX. This is collection on charged-off debt in violation of FDCPA 808. 

ADDITIONALLY : NFCU changed the account type from " Auto Loan '' ( shown on previous credit reports for original account XXXX ) to " Secured Loan '' ( shown on current report for refinanced account XXXX ). This manipulation appears designed to obscure their loss of repossession rights after charge-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 2025-11-25 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute multiple accounts listed on my credit report from Experian. Below, I have detailed the accounts I believe contain errors or incomplete information that needs to be corrected : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$87.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$65.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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