vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
This complaint is for failure of the NC State Employees Credit Union to transfer my funds after I sold stocks on their ONLINE XXXX XXXX System. The contact at the NC State Employees Union ( XXXX  ) is XXXX XXXX XXXX whose contact information is as follows : phone : XXXX address : XXXX XXXX XXXX, XXXX, NC XXXX A total of XXXX stocks were sold on XX/XX/XXXX and XXXX of 2025 for a total value of approximately {$27.00}, XXXX, and these trades were executed without problem. I then initiated the following transfer from the Brokerage Account to my XXXX XXXX Checking Account : ( XXXX ) {$2700.00}, ( XXXX ) {$100.00}, ( XXXX ) {$13000.00}, ( XXXX ) {$5000.00}, ( XXXX ) {$4700.00}, and ( XXXX ) {$4600.00}. This combined with existing cash funds available in the XXXX XXXX account allowed transfers for a total of {$30000.00} to be initiated. These funds were frozen by the XXXX XXXXXXXX XXXX XXXX for no valid reason. I even explained via a phone call that each transfer was legitimate, and I identified the specific amounts to XXXX XXXX. He has totally failed, along with his XXXX XXXX staff, to transfer the funds to my XXXX XXXXXXXX checking account. This failure is preventing me from paying my bills. 

The XXXX  XXXX did the same thing with my XXXX account because it's " fraud detection software '' is obsolete. It identifies purchases from the XXXX " XXXX XXXX '' App as fraudulent when in fact they are totally legitimate. The software fails to recognize that in the current high-tech smartphone and internet world that software apps are sold at very low prices. The XXXX XXXXXXXX fraud detection software then automatically freezes the credit card so that no transactions can be made. This also prevents purchases and paying of any bills from the XXXX credit card account. 

In summary, the XXXX XXXXXXXX continues to freeze transactions from both my XXXX XXXX and XXXX  credit card account for no legitimate reason. This prevents me from purchasing products and transferring funds from these accounts. The credit union should be paying me damages for this, and they should also be held accountable by the CFPB to upgrade their fraud detection software, policies, and procedures so that this no longer occurs to me or any of their other customers. If this is happening to me, I can assure you that they are doing the same thing to all of their customers. 


NOTE : This complaint was also filed with the XXXX because it involves not only a credit card, but also a XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
I am writing to dispute the accuracy of the collection account reported by [ XXXX XXXX XXXX ] on my credit report. This account originated with XXXX XXXX, which was involved in a lawsuit, and the account was subsequently sold to the current debt buyer. 

I request verification of the debt, including documentation showing the sale or transfer of the account from XXXX XXXX to [ XXXX XXXX XXXX ] Additionally, I am disputing the validity of the debt as it may have been resolved or otherwise impacted by the legal action involving XXXX XXXX. 

Please investigate and provide evidence of the legitimacy of the debt, or otherwise delete this account from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
What happened? 
American Express abruptly closed my credit card account ( XXXX ) on XX/XX/2025 and forfeited over XXXX XXXX Membership Rewards ( XXXX ) points, along with approximately XXXX additional pending points. 

These points were accumulated over time through normal and legitimate spending. I was not engaged in any prohibited or abusive activity, and I was never notified of any violation of Membership Rewards program terms. I received no formal warning or explanation prior to the closure, and my attempts to contact Amex customer service have resulted in scripted responses, stating only that the points were forfeited due to a business decision or misuse. 

The value of the forfeited points is substantial approximately {$92000.00} to {$110000.00} based on XXXX XXXX own redemption rates. I was denied any opportunity to dispute the closure, appeal the decision, or transfer my rewards. 

I believe this action constitutes unfair and deceptive business practices, especially given the magnitude of the loss and lack of transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: APEX Asset Management, LLC
State: PA

Complaint narrative:
On XX/XX/year> at XXXX I uploaded a cease and desist letter instructing AP : EX that the amount of debt is in question and not to contact me again. This letter was sent in fewer than 30 days of their first contact with me, as required by law. On XX/XX/year> they contacted me again via mail. I received this on XX/XX/year> and called and spoke with XXXX who spoke over me the entire call. She made no mention of the cease and desist, which I brought up. I told her I will only deal with the original creditor. She said she would flag my phone number but would not agree to discontinue written attempts at contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/year>. A representative of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX made false assurance of providing documentation of a settlement agreement 's online availability through their portal, which led me to verbally agree to an installment payment plan. This is a deceptive statement made among several others at this collection company that is in violation of provisions outlined in 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. CXXXXe XXXX ( b ) and 15 U.S. CXXXXe XXXX ( XXXX ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am submitting this complaint regarding my experience with Goldman Sachs and Apple Card services, which has resulted in significant harm to my previously flawless credit history spanning 38 years.

The core issue stems from my interactions related to suspected fraudulent activity on my Apple Card. Unbeknownst to me, communications with Apple Card customer service were not shared with or visible to Goldman Sachs, despite Goldman Sachs being the financial institution behind Apple Card. This disconnect created substantial confusion for me as a consumer, ultimately leading to an unjustified late payment entry on my credit report. 

Specifically, when potential fraud was flagged on my account, Goldman Sachs completely XXXX my access to the account, thereby preventing me from making timely payments. This practice differs drastically from other credit providers, where consumers typically retain the ability to make payments electronically despite fraud investigations. Throughout this period, I consistently communicated with Apple Card representatives, who assured me that this issue would not negatively impact my credit. However, these assurances were never relayed to Goldman Sachs, nor were they recognized within their separate systems. 

As a result of this internal communication breakdown between Apple Card and Goldman Sachs, my account remained inaccessible for approximately three months, and despite my efforts to resolve the issue, my credit report now incorrectly reflects a derogatory late payment. This entry has significantly damaged my credit score, dropping it by approximately XXXX points and adversely impacting my professional and financial dealings. 

I am requesting that Goldman Sachs acknowledge this systemic error, contact the relevant credit reporting agencies, and instruct them to remove this inaccurate derogatory remark from my credit report. My credit history was impeccable prior to this incident, and I am eager to restore my record.

Thank you for your prompt attention to this matter. Should this issue remain unresolved, I may be compelled to consider further legal action to protect my rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
I had formally disputed the inaccurate and incomplete information being reported on my Experian credit report regarding the XXXX XXXX account ending in XXXX. 
This account is currently listed as charged off with a balance of {$5900.00} as of XXXX XXXX, and reflects 26 months of negative payment history. However, this information is inaccurate and misleading for the following reasons : XXXX XXXX has written off this debt and sold it to a third-party collector, XXXX XXXX XXXX XXXX XXXX XXXX As such, the original creditor ( XXXX XXXX ) should no longer be reporting a current balance on this account. Reporting a balance after the debt has been sold misrepresents the true status of the account and is a violation of the FCRAs requirements for accurate and complete reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). 
I am currently making monthly payments of {$200.00} under a consent judgment with XXXX XXXX XXXX XXXX XXXX. This payment arrangement and the status of the debt are not reflected in the Experian report, leading to an inaccurate portrayal of my financial obligations and creditworthiness. 
The payment history reported by XXXX XXXX includes numerous " CO '' ( charge-off ) notations even after the debt was sold and collection was taken over by a third party. This is not only misleading but also inflammatory and duplicative, unfairly damaging my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I have been repeatedly given inconsistent information, transferred between departments, and promised resolutions that never materialized. [ On two occasions, I was told the issue would be escalated, but no one followed up. ] As a result, the error remains unresolved, and I have been charged interest and/or late fees that should not apply. 

I am requesting that Nordstrom Card Services : Fully investigate and resolve the disputed charge ( s ), Remove any associated late fees, interest, or penalties, and Provide written confirmation of the resolution. 
This situation has negatively impacted my credit and caused unnecessary stress. I am seeking assistance from the CFPB to ensure the matter is addressed appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. and according to the fair credit reporting act whenever aconsumerreporting agencyprepares 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 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Currently CITIBANK is holding {$650.00} from me that was already in my savings and checking account. After noticing my online account wasnt logging in, I called Citi Bank to find the problem. They put my account under investigation Tuesday for XXXX hours and today they decided to close my account for an unfair and XXXX falsely XXXX. I been taking XXXX I barely have money for to go to different CITIBANKS and try to withdraw my funds. Im exhausted. Im very flabbergasted and disappointed I have to wait XXXX  days for my money thats in my account that Ive worked hard for. Im getting put into an hardship because of this. I dont know what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MS

Complaint narrative:
My information was leaked in the Equifax Data Breach. I have created an identity theft report with the FTC. The document is uploaded to this complaint and needs to be sent to all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief