vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2025-05-09 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: IL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC
State: TX

Complaint narrative:
b"I am trying to return to the XXXX of Phoenix, and they told me I have a balance of XXXX, which they have sent to Asset Recovery Solutions, LLC (XXXXn\nI don't know why I have a balance; I used my XXXX XXXX XXXX XXXX XXXX XXXX I took one course, XXXX XXXX XXXX XXXX XXXX, upper division course).\n\nI have attached documents and the XXXX conversation with XXXX. However, because I only had 2 months and 22 days left on my Certificate of Eligibility, it only reflects 22 days left."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
goldman sachs credit card never resolves any disputes with merchants. i have tons of credit cards but only they have this issue. they have refused to refund my money! 
they are losing money for the apple credit card which is why they cant protect their clients I paid {$500.00} for a doctor to do a consult regarding my filler problem. before I paid for the consult I asked the doctor office on the phone that I want them to use the ultra sound machine as advertised on their website for detect my filler issues. the whole reason I even went to her is because she has this machine during consult before I get treatments to dissolve my filler. please see her website description link here : https : XXXX  however, she did not use this machine while I was there during the consult. even after I asked. she seemed to not want to talk to me or do anything. after that I asked her about some laser questions and her office suddenly stopped replying me. please see attached screenshot. so basically, her office was always replying emails fast before I made payment, but after payment they refused to provide the service advertised on the website and even worse, don't even want to reply me. i have never met a doctor who just took payment, refuse to provide the service I asked for, and then completely ignore patients. i want a refund on my money, obviously goldman sachs is not helping even after I provided all the details I heard apple card is not a real XXXX therefore they do not have funds to reverse for their clients, all the issues I had in the past and few complaints were all regarding goldman sachs apple card. they almost never help clients dispute charges. i want a full refund my money back. thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: MO

Complaint narrative:
I signed up for a credit repair service with Kickoff Lending, decided there services wasn't working and canceled with them, then have since falsely reported on my credit a repossession and refuse to fix there error and correct the reporting and when I dispute it with the credit bureaus they get back that everyone is correct from Kickoff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
Knowing that I consistently make my payments on time, the fact that this late payment has begun showing up on my account is alarming. I implore you to quickly remove the incorrect mark in order to fix this error, which is causing excessive frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-05-09 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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 state A consumer Reporting Agency can not furnish an account without m y written instructions.

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 2025-05-09 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: GA

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

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} 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 - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$150.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX * * XXXX - XX/XX/XXXX - {$120.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} BANKRUPTCY - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} BANKRUPTCY - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} 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 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian is not updating my XX/XX/XXXXXXXX accounts also my score decreased for no reason theres no usage that increase. I have not applied for new credit or have new credit there is no closed accounts my score dropped XXXX points for no reason

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 2025-05-09 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: MS

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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
In regards to complaint number ; XXXX. 
Still in need of a vehicle as of XX/XX/XXXX. 
I have contact XXXX XXXX XXXX in regards to my vehicle repairs and follow up case for mechanical malfunction car accident that took place on XX/XX/XXXX. 
I currently still do not have my vehicle and I have not heard back from XXXX XXXX. 

Currently paying for a vehicle that I do not have and no follow ups or reports given since XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> TD Bank Customer Advocacy Department XXXX. XXXX XXXX XXXX, ME XXXX Subject : Formal Request for Immediate Action on Unresolved Fraud Claim To Whom It May Concern, I am writing to formally demand immediate action and a full investigation into an unresolved fraud claim involving my TD Bank account ( Account # XXXX ). Despite my ongoing efforts to resolve this matter through the appropriate channels, I continue to face delays, conflicting information, and a concerning lack of communication from TD Banks fraud department. 

Between XXXX XXXX 2025, a total of approximately {$1900.00} was withdrawn from my account through unauthorized XXXX transfers. I reported the fraud promptly via phone and was instructed to visit my local branch, where I worked with XXXX XXXX to close the compromised account and open a new one. I followed every instruction I was given in good faith. 

Since then, the process has been frustrating and disorganized : - The original fraud claim ( Case # XXXX ) was denied without my knowledge. I only learned of the denial after proactively checking with XXXX XXXX in XXXX. 
- A second case ( # XXXX ) was opened due to missing details. This too was later rejected for the same reason, again with no communication from TD Banks fraud team. 
- I received one call from a representative named XXXX, who asked for follow-up information and assured me that someone would get back to me. Despite leaving multiple messages, I have received no return calls, emails, or written updates. 
- I have submitted a police report, had my XXXX XXXX factory reset and reinstalled, and replaced my XXXX XXXX XXXX XXXX through XXXX XXXX XXXX  to protect against further compromiseyet I still have no resolution. 

This situation has now resulted in a serious financial hardship. As a small business owner, being without nearly {$2000.00} for over two months has directly impacted on my ability to meet both personal and business obligations. I have been a loyal TD Bank customer for years, and this level of unresponsiveness is unacceptable. 

I am now formally requesting : 1. Immediate review and reopening of my fraud claim, using the updated information and police report I have submitted.

2. Direct contact from a senior fraud investigator or supervisor who will take ownership of this matter.

3. A written explanation of the decisions made so far and the steps being taken to resolve this issue promptly.

If I do not receive a response within five ( 5 ) business days of receipt of this letter, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and explore all other legal and regulatory remedies available to me. 

Sincerely, XXXX XXXX XXXX TD Bank Account # XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have noticed different inquiries on my credit report that I did not authorize ( XXXX XXXX ( B ) called permissable purpose. If indeed I did can you provide me proof ( XXXX XXXX XXXX ( A ). I asked for this from the companies which I never received. These are the list of companies along with the dates on my credit report. 
XXXX ) XXXX XXXX- Requested on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX ) XXXX  XXXX- Requested on XX/XX/XXXX XXXX ) XXXX XXXXXXXX via Dealer- Requested XXXX XXXX ) XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX XXXX ) XXXX XXXX XXXX- Requested on XX/XX/XXXX XXXX ) XXXX XXXX-Requested on XX/XX/XXXX XXXX ) XXXX XXXX XXXX- Requested on XX/XX/XXXX Promotional Inquiries : XXXX- requested on XXXX XXXX XXXX-requested on XXXX, XX/XX/XXXX XXXX XXXX XXXX-requested on XX/XX/XXXX XXXX XXXX-requested on XX/XX/XXXX XXXX XXXX XXXX.- requested on XX/XX/XXXX transunion consumer inte- requested on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-requested on XX/XX/XXXX transunion interactiveXXXX XXXX XX/XX/XXXX transunion consumer inte-requested on XX/XX/XXXX XXXX XXXX XXXX-requested on XX/XX/XXXX Transunion interactive-requested on XX/XX/XXXX XXXX-requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX via transunion interactive-requested on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via Transunion interactive-requested on XX/XX/XXXX XXXX XXXX XXXX-requested on XX/XX/XXXX XXXX XXXX XXXXXXXX-requested on XXXX XXXX XXXX XXXX co-requested on XX/XX/XXXX XXXX XXXX XXXX-requested on XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX XXXX-requested on XX/XX/XXXX XXXX XXXX-requested XXXX XX/XX/XXXX XXXX XXXX via XXXX-requested on XX/XX/XXXX XXXX XXXX-requested on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX-requested on XX/XX/XXXX XXXX XXXX-requested XXXX, XXXX, XX/XX/XXXX XXXX XXXX-requested on XX/XX/XXXX XXXX XXXX XXXXXXXX via XXXX XXXXXXXX XXXX-requested on XX/XX/XXXX XXXX-requested on XX/XX/XXXX XXXX XXXX-requested on XX/XX/XXXX XXXX XXXX- requested on 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 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I buy a used car and credit acceptance was the financier After 4 months the car had a engine problem and im not gon na be able to change the engine because its to expensive I asked the if they can upgrade my ride but they dont want to do it And they put a delinquent account on my credit report And because of that every week my credit score is down

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 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Community Bank what time did they call me three times in less than a minute two different phone numbers and then Unknown call however, Unknown is supposed to be used for police fire, emergency, federal and not to disguise or false impersonate such government agencies and theyre supposed to be required to identify themselves and they dont These are considered as harassment calls repeatedly.

For the pool, I have both a screenshot and a phone recording if necessary

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
The XXXX XXXX has been found liable for the damages by their insurance company, XXXX XXXX. They have offered a settlement due to being found liable for the damages. Which I will not accept. I have a printed diagnostic report from the service manager at XXXX. On the report it states their is damage ONLY to the rear tires. The car is AWD any damage to the rear would be present to the front as well. Except the car was pulled XXXX its rear wheels, which cause damaged the rear differential and the rear tires. How would impact damage be present if the car didn't collide with anything? Not sure what you mean by that. The ONLY damage im accusing XXXX XXXX of the is the rear differential damage and damage to the rear tires. The check engine was on prior to the improper tow which I've stated multiple times. I don't know why each reply form you guys is still mentioning the check engine light. You guys could keep the credit. It doesn't change the facts add it back to the account, times XXXX! The credit doesn't change the facts i have pay for a car that was ruined by the criminal you guys hired! As simple XXXX search or review of the driver manual lets you guys know that car should not be pulled on its rear wheels, i have provided video of the car being pulled on its rear wheels, the damage that comes from being puling a AWD drive car on its rear is rear differential damage. Have they even proved proof of my car was ever on a tow dolly? Or their words of " uploaded in error " is good enough for CAC?. Every statement they have made has not been proven false. NO facts have been provided from XXXX XXXX ONLY statement that CAC has found to be creditable, WHY? if they have yet to provide any facts. They provide that picture report, which i had to prove was false photos of what was suppose to be my car. The only response they gave was " uploaded in error " how is that enough? Did XXXX request the accurate photo? No because you guys are XXXX! an equality does not reside within XXXX! The car currently undrivable due to the rear differential damage. WHY would i pay XXXX XXXXo get a car back that doesn't even work.... My personal property was guaranteed regardless of gaining access to car or not. Please tell me would i pay for car back if it doesn't work? They said they shift locked car, which made it safe to pull on its rear wheels. THAT WAS PROVEN THAT DIDNT TAKE PLACE! XXXX did not request proof of that. XXXX XXXX has lied in every statement to XXXX, you guys have not asked XXXX XXXX one time to prove proof of any of their statements. That picture was a lie. I sent over my ring camera footage which show no one ever shift lock the car, I proven they didn't have my car on the tow dolly on XX/XX/year>

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