vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX The company is using a federally filed trademarked name, XXXX XXXX XXXX, in connection with financial reporting and/or tax information returns without authorization. I have reason to believe the company may have filed, or caused to be filed, an IRS Form 1099A, 1099C, 1099K, or other information return using this protected trademark name.

Despite request, the company has failed to provide a copy of any such filing or certify that no filing occurred. Under federal law, filers are required to furnish accurate payee statements and correct any erroneous information returns. This conduct constitutes inaccurate reporting, lack of permissible purpose, and unauthorized commercial use of a protected trademark. I am requesting immediate disclosure of all tax filings using my trademarked name, or written certification that no such filings exist, along with correction of any inaccurate information.

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 2025-12-21 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: MI

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-12-21 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: MI

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
My name is XXXX XXXX. 

On XX/XX/year>, I deposited {$4500.00} USD into a Marcus by Goldman Sachs savings account at the time of opening the account. Within a few days, my account was temporarily restricted, and I lost access to my funds.

I received multiple emails stating that my account was locked and instructing me to contact customer service. When I called, I was informed that Marcus was unable to verify my identity, despite my providing my full legal name, date of birth, phone number, address, and the last four digits of my Social Security number. I was told that a specialist would contact me, but no call was received.

After repeated follow-up calls, I was told that additional information was required and that I would receive a verification form by mail. More than two weeks passed, and no form arrived. Instead, I received conflicting emails stating that my account had been closed or that I needed to call again, without clear or consistent guidance. 

During multiple subsequent calls, I was repeatedly asked to provide the same identifying information, including my security word. I was ultimately told that my identity could not be verified using my phone number and was advised to obtain a new phone number, which is unreasonable. My current phone number ( XXXX ) is legitimate and successfully used with other financial institutions.

For over a month, I have been told repeatedly that I would receive a call back within two weeks, but no follow-up has occurred. My funds remain inaccessible, and I have received no clear written explanation or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: FL

Complaint narrative:
I have no connection to this account ; the information shown is incorrect and should be reviewed.

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 2025-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Global Lending Services LLC
State: CO

Complaint narrative:
Due to a XXXX XXXX  condition, I had increased medical expenses and missed work. I am now stabilized and able to resume payments. Losing my truck prevents me from attending medical appointments and maintaining income.. I try work payment plan because I dont have that money to get my truck. They explain they want XXXX I dont jave that money because I miss alit of work and I had to cancel my doctor appointment and I have XXXX XXXX for XXXX XXXX. I have a lit of appointment thats had to due to not having transport to get there. I have disable so who I had appoitment for XXXX XXXX If I do t get the truck I miss my job and my health going to get worse because my XXXX not working at a XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
XXXX is stating that they received the funds on returned item on XXXX the XXXX and provided me with the proof of payment by XXXX to American Express. American Express is refusing to acknowledge that they received the funds on XX/XX/XXXX and more that XXXX business days have passed. 

American Express feels that it is a large company that does not have to obey consumer law and can change the rules which affect consumer rights and credit scores. 

Here is the evidence of the refund which was also submitted to American Express : Hello, This is the refund ID for the Amount {$530.00} - XXXX XXXX XXXX Thank you. 

Best regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint because my credit report shows one or more hard inquiries that I did not authorize between XX/XX/year> and XX/XX/year>. During this time, I did not apply for credit, provide written permission, or give verbal consent to any lender, dealership, or financial institution to access my consumer report. 

Despite this, multiple companies pulled my credit and reported hard inquiries, which have negatively impacted my credit score. I have reviewed my personal records and can not identify any legitimate reason these inquiries should exist. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer report may only be obtained for a permissible purpose, such as when a consumer applies for credit or gives explicit authorization. I did not provide such authorization. Any inquiry made without my consent is impermissible and constitutes a violation of federal law. 

In addition, the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ) require accurate credit reporting and prohibit unauthorized credit activity. Reporting hard inquiries that were not authorized is inaccurate and misleading and has caused financial harm. 

I previously disputed these inquiries with the credit reporting agencies, but the inquiries remain on my credit report. I am requesting that the companies involved : 1. Provide documented proof of my authorization, or 2. Immediately remove the unauthorized hard inquiries from my credit report.

I also request written confirmation that my credit file has been corrected and that no further unauthorized access will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Ray Skillman GMC Truck Inc
State: IN

Complaint narrative:
I am an Indiana consumer requesting investigation under the Indiana Deceptive Consumer Sales Act. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX relied on unexecuted documents to process title and lien actions, repossess my vehicle, charge CPI insurance, and pursue a deficiency.

I never signed a Power of Attorney, never appeared before a notary, and never signed the certificate of title or any title reassignment. A document bearing my printed name exists, but it contains no signature, no notary seal, and no notary acknowledgment. I have stated this under oath. 

The BMV chain-of-title shows title and lien activity despite the absence of my execution or a valid Power of Attorney from me. A separate notarized Power of Attorney in the title history belongs to the prior owner only and does not involve me. 

Despite the lack of executed authorization, my vehicle was repossessed and sold, sale proceeds were retained, and a deficiency was pursued. 

CPI ( Collateral Protection Insurance ) was charged and added to my loan balance before lien perfection and while authority to process title and lien documentation was defective. CPI premiums were capitalized and interest was charged on those amounts, materially inflating the balance.

Between my payments, the auction sale proceeds, and the amounts still being pursued, the total extracted approaches the full retail installment contract value despite repossession and sale. I am requesting investigation into whether unexecuted instruments were
used in consumer commerce, whether CPI was charged without lawful basis or insurable interest, and whether this conduct constitutes unfair or deceptive acts under Indiana law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian Information Solutions for failing to conduct a proper reinvestigation of a disputed account reported by XXXX XXXX XXXX ( Account No. XXXX ). 

I first disputed this account with Experian in XX/XX/year> and have continued disputing it multiple times through XX/XX/year>. Despite these disputes, Experian has repeatedly rejected or dismissed my disputes without providing investigation results, documentation, or the method of verification used. 

As of XX/XX/year>, Experian continues to report this account as a charged-off credit card with a balance of {$11000.00}, XXXX potentially negative months, and 100 % utilization. Experian has not provided any evidence that this information has been reasonably investigated or verified as required under the Fair Credit Reporting Act.

Specific issues include : Failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i Failure to provide investigation results or method of verification Continued reporting of unverified and potentially inaccurate information Repeated rejection of disputes without compliance with federal law Experian has had more than six months to investigate this account and has failed to do so. Continued reporting of this tradeline without proper verification is inaccurate, misleading, and harmful.

I am requesting CFPB intervention to require Experian to correct this violation and bring my credit file into compliance with the Fair Credit Reporting Act.

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 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I want this account on my credit report to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
PURCHASE MADE IN 2019 FOR {$9900.00}, MONTHLY FEE MINIMUM IS {$170.00}, BUT THEY ADD MONEY WHICH FLUCTUATES,, AND THEY CALL IT CHARGE ON PURCHASES MADE, SOUNDING TO ME AS IF I AM BUYING ONWARD, WHICH I AM NOT. 
ONE CHARGE OF {$9900.00} FOR SECURITY WINDOWS AND DOORS...

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 2025-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I had a mortgage loan with Cross Country Mortgage. The loan officer contacted me about refinancing. The information he sent in reference to numbers wasnt to my liking so I made contact with my original broker who got me my first mortgage loan since Cross Country was a transfer. I went with my original broker and XXXX ( my new mortgage loan company ). We closed on the refinance on XX/XX/year>. I was told by my broker that XXXX would refund me approximately XXXX dollars 2-3 weeks after closing. This amount is from my escrow account. Time has passed and Ive called on various occasions where I have been put on hold forever because according to them their agents were busy with other clients. I have sent emails pertaining to the issue which all have gone unanswered. I have screenshots of all my text messages with my original broker ( who was the one who informed me about making a complaint ) and emails sent to XXXX. As of today, XX/XX/year>, I have not received a response from XXXX, much less my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My XXXX account was permanently restricted after a security review. I am not disputing the account restriction itself. 

However, XXXX is holding my remaining balance of approximately {$2800.00} USD and is refusing to release it immediately. I have fully cooperated with all verification requests, including submitting government-issued ID, selfies, and verified bank statements multiple times. 

XXXX states the funds will be held for up to 180 days for loss prevention, but they have not identified any specific fraud, chargeback, or legal basis requiring my funds to be withheld. The money belongs to me and originated from my own verified bank account. 

I am requesting immediate release of my balance to my verified bank account, not reinstatement of the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Automated robocall claiming to be from XXXXXXXX XXXX XXXX XXXXXXXX XXXX. The message stated that my phone number has been attached to a pending claim under review prior to processing, and instructed me to press XXXX to speak with someone about my rights. No written notice, no claim number, no identifying information. Suspected scam. Caller ID showed XXXX. Message used vague legal/claims language and attempted to prompt immediate interaction by pressing a key. Believed to be a fraudulent robocall.

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 2025-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Date : XX/XX/year> Via Certified Mail & Electronic Communication XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Notice Account Number : XXXX To Whom It May Concern, This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, that I am requesting you cease and desist all communication with me regarding the above-referenced account.

This request includes, but is not limited to : Telephone calls Written correspondence Electronic communications Reporting, updating, verifying, or re-reporting this account to any consumer reporting agency, as such reporting constitutes a form of communication under the FDCPA You are hereby directed to immediately cease all collection activity, including continued credit reporting or furnishing of information related to this account.

Any further communication from your companyoutside of one written notice confirming compliance with this request or notice of specific legal action you intend to takewill be considered knowing and willful noncompliance with federal law and may subject you to civil liability under 15 U.S.C. 1692k.

Please govern yourselves accordingly. 

Sincerely, 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 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am writing to submit a formal complaint regarding the unfair handling and final closure of XXXX disputes I filed against the merchant XXXX, as well as the unjust limitation placed on my PayPal account. 

In XXXX, I made multiple payments to XXXX through my PayPal account, with a total amount of USD XXXX, as clearly shown in the attached PayPal invoices. These payments were made for investment-related services that XXXX failed to properly deliver. Shortly after receiving the funds, XXXX restricted and effectively closed my account without valid justification, preventing me from accessing my investment or receiving any return. 

As a result, I opened XXXX disputes through PayPal in good faith. Unfortunately, all three disputes were closed in favor of XXXX without providing me with clear evidence, detailed reasoning, or a fair opportunity to defend my claim. To my surprise, PayPal also proceeded to limit my account. 

The services paid for were not delivered as agreed. 
XXXX failed to fulfill its contractual obligations. 
My account limitation is unjustified and disproportionate. 
This situation has caused me direct financial loss and has seriously undermined my trust in PayPals buyer protection system.

Therefore, I formally request the following : A full and independent review of the XXXX closed disputes. 
A clear written explanation detailing the legal and factual basis for ruling in favor of XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I started to take out private student loans from XXXX XXXX. The loans were cancelled due to not needing the loans for summer school. The loans were cancelled and would not have payment due if I kept until XX/XX/year>, cause currently in school. These XXXX loans were charged off and dropped my credit score XXXX points. I need these loans removed from my credit.

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