vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Dear Navy Federal Credit Union, I am writing to formally file a complaint regarding the unauthorized and unacceptable handling of my credit card account. My card was shut down and falsely reported as lost or stolen without my knowledge or consent. At no point did I report the card as lost or stolen. My only contact with your team was to ask about its upcoming expiration date. Despite this, a representative deactivated my card entirely and submitted a false lost/stolen report, resulting in immediate loss of access. 

This was done without my authorization, without prior notice, and without giving me the opportunity to make final transactions or even process a payment. When I reached a supervisor, I was informed that the card had already been permanently shut down and could not be used again, despite no wrongdoing on my part. 

This situation caused significant financial disruption, emotional distress, and violated multiple consumer protection laws, including : 1. False Reporting ( Fair Credit Billing Act Violation ) Misrepresenting the card status as lost/stolen without my request or confirmation.

2. Adverse Action Without Proper Notice ( Equal Credit Opportunity Act Violation ) I received no written or verbal notice before the card was closed.

3. Denial of Access to Make a Payment ( Consumer Financial Protection Violation ) I was denied the right to make a payment toward my balance, which may be considered 
an unfair and abusive practice.

4. Lack of Transparency and Dispute Resolution Access My concerns were dismissed without proper escalation or accountability from your staff.

As a result, I am requesting the following : A full internal investigation of the actions taken and who authorized them A written explanation of how my card was marked as lost/stolen without my consent An immediate restoration of access to the card for a minimum of 30 days, allowing me to use the card and make payments as necessary, to rectify the harm done A formal apology acknowledging the improper actions and emotional impact this has caused This was not just poor customer serviceit was a direct violation of my rights and trust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My father, a veteran, passed away on XX/XX/year>. The VA sent a benefit payment to his account post-death in the amount of {$340.00}, which needed to be returned before my father 's account could be closed. I am the beneficiary listed on the account. After numerous calls to B of A, receiving a case XXXX, and having my case supposedly escalated, it was revealed that the B of A sent the VA {$3700.00}, an overpayment of {$3400.00}. After numerous complaints and questions, the B of A has washed their hands of their error, saying there is nothing they can do to correct it. I have been gaslit, ignored, and the buck has been passed repeatedly. My requests to speak with senior mgmt. have been ignored. B of A owes me {$3400.00} and will not pay, or take steps with the VA to recoup my funds. I have also spoken with the VA on three occasions - none of the VA reps have ever encountered this situation, and they expressed astonishment that the bank has not contacted them. Bottom line- the VA was due one overpayment of {$340.00}. The B of A sent them {$3700.00}. The B of A owes me {$3400.00}, but refuse to do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-28 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: MD

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-28 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: MD

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-28 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: NH

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: NC

Complaint narrative:
XXXX XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
Im filing a complaint against Goldman Sachs Bank USA for failing to resolve my dispute properly. 

Dispute Background I bought an item on XXXX, where the seller and platform promised a XXXX - day free return. But when I asked for a return and refund, they didnt give a free return label or codeonly a XXXX delivery address, making me pay for shipping, which broke their free return promise. So, I tried to dispute the charge via my Apple Card ( issued by Goldman Sachs ).

Goldman Sachs Failures When I contacted them about the dispute, the representative XXXX XXXX XXXX asked irrelevant questions ( like disputing all merchant charges in XXXX  months, which had nothing to do with my case ). They gave no updates on if the dispute was submitted or resolved, ending with an automated reply. This violates the Electronic Fund Transfer Act ( EFTA ) and CFPB rules requiring timely, good - faith dispute handling.

Evidence Ive attached screenshots of all chats with Goldman Sachs ( via Apple support ) and XXXX return instructions ( showing no free label, just a XXXX address ).

Request I ask CFPB to : 1. Make Goldman Sachs investigate and resolve my dispute by consumer protection laws.

2. Ensure they clearly update me on the dispute status.

3. Hold them accountable for violating regulations.

Goldman Sachs negligence caused me stress and violates my rights. I trust CFPB will act. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: CA

Complaint narrative:
XXXX no longer is the services of the federal student loan. I settled with XXXX to a balance of XXXX completing the payment in XX/XX/year> at the same time they took my payment they didnt tell me CRI was taking over as a loan service provider for the fed dept of Ed . Now CRI ( Central Research Inc ) is coming after me and tanking my credit for a loan thats already paid off and settled. This is abuse. Fix it please this is insane

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
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

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 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally credit was alerted to several fraudulent charges on my card and the fraud department stated that the card number had been keyed in but the physical card was not used. All transactions took place in Hawaii and Ohio. Most of the charges were immediately removed by Ally after reporting, however, Ally posted XXXX of the transactions ( XXXX from an XXXX and XXXX from a XXXX, both of which were in Hawaii ) to my statement. There was no reason for Ally to allow these transactions to impact my credit by showing increased use of my credit card from the XXXX and XXXX transactions, especially after being alerted that the card number was being used fraudulently and asking for the account to be locked and a new card issued.

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 2025-06-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: CA

Complaint narrative:
Kikoff 's advertising practices have come under scrutiny for potentially misleading consumers, particularly those seeking to improve their credit scores. While Kikoff promotes itself as a tool to build credit, some users have reported experiences where their credit was negatively impacted instead. This discrepancy between advertising and outcome can lead to significant confusion and financial distress for individuals genuinely trying to improve their financial standing.

The core of the issue lies in the way Kikoff 's services are presented. Many users, especially those new to credit building, may not fully grasp the intricacies of how credit scores are calculated and what factors truly contribute to their improvement. Kikoff 's marketing often emphasizes the positive aspects of its service without adequately explaining the potential downsides or the specific conditions under which it might not be beneficial. This lack of transparency can lead customers to believe that simply using Kikoff will inherently improve their credit, when in reality, other factors and responsible financial habits play a much larger role.

Furthermore, some users have reported issues with account management, reporting to credit bureaus, or unexpected fees that have contributed to a decrease in their credit scores. This directly contradicts the advertised benefit of " fixing credit '' and can leave customers feeling exploited and worse off than when they started.

It is crucial for companies offering financial services, especially those targeting vulnerable populations or individuals with limited financial literacy, to engage in clear, unambiguous, and truthful advertising. Misleading consumers, whether intentionally or unintentionally, by overstating benefits and understating risks, is unethical and can have serious consequences for individuals ' financial well-being. Consumers deserve to make informed decisions based on accurate information, and any advertising that obscures the true nature or potential outcomes of a service is detrimental to their financial health.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened 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 non-monetary relief
Consumer complaint received 2025-06-28 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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:
After reviewing my credit report, I notice that I have some fraudulent accounts listed on all XXXX credit reports. The negative collections are a result of identity theft. The negative collections are hurting my ability to obtain new credit. please remove the negative collections 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
Consumer complaint received 2025-06-28 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: PA

Complaint narrative:
After reviewing my credit report, I notice that I have some fraudulent accounts listed on all XXXX credit reports. The negative collections are a result of identity theft. The negative collections are hurting my ability to obtain new credit. please remove the negative collections from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: NH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information reporting on my credit file. I recently obtained a copy of my credit report and noticed the following account, which I do not recognize as valid or authorized : Creditor/Collection Agency : XXXX XXXX  XXXX Account Number ( Partial ) : XXXX Reported Balance : {$370.00} Status : Collections/ Past Due as of XXXX XXXX This account is unfamiliar to me and has never been authorized. I am requesting an immediate investigation into this matter and removal of this derogatory account from my credit report. Please confirm receipt of this dispute and provide a full validation of the alleged debt, as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Thank you for your prompt attention.

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 2025-06-28 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information reporting on my credit file. I recently obtained a copy of my credit report and noticed the following account, which I do not recognize as valid or authorized : Creditor/Collection Agency : XXXX XXXX  XXXX Account Number ( Partial ) : XXXX Reported Balance : {$370.00} Status : Collections/ Past Due as of XXXX XXXX This account is unfamiliar to me and has never been authorized. I am requesting an immediate investigation into this matter and removal of this derogatory account from my credit report. Please confirm receipt of this dispute and provide a full validation of the alleged debt, as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: AL

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 explanation
Consumer complaint received 2025-06-28 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : 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 XXXXXX/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