vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely,

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Recovery Solutions, LLC
State: MI

Complaint narrative:
I received a call from an unknown phone number on my mobile phone line and I answered the call. I connected and said, " hello ''. 
There was a brief pause then the caller asked in a very heavy, almost unintelligible XXXX accent, " May I speak with XXXX XXXX ''. ( I will point out that my name was horrendously mispronounced, indicating to me that this was likely a solicitation call of some sort. ) I started to to reply, " may I ask who's calling '' but before I could get the first two words out of my mouth the gentleman abruptly disconnected the call. 
I did not receive any message stating the caller was from a debt collection company, he never told me his name or where he was calling from or why. Just ask if he could speak with me then hung up. I only found out the name of the company by returning the call. When I looked at the history I see that they had previously called. 
I feel this is an unethical way to try to confirm personal information of mine, when I did not ever confirm to this person ( whoever he may have been ) who I was. Additionally, I do not currently have any accounts with this firm to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am seeking your assistance to file a lawsuit against Pentagon Federal Credit Union ( PenFed ) for the unlawful repossession of my vehicle. Below is a summary of the facts and circumstances surrounding this matter : Timely Payments and Longstanding Relationship : I have made my vehicle payments on time for almost four years. Throughout this period, I maintained a consistent payment record with PenFed. 
Agreement for Extension and Payment Issues : I had an agreement with PenFed to extend the deadline for my vehicle payment until the end of XX/XX/. This extension was granted after I explained my financial hardship and agreed to pay {$1000.00} as part of the hardship arrangement. However, after this agreement, the representative refused to accept the {$1000.00} payment over the phone. 
Repossession Without Notice : Despite this agreement, PenFed repossessed my vehicle on XX/XX/XXXXXXXX XXXX XXXXseveral days before the agreed-upon deadline. I did not receive any prior written notice of repossession by mail or any other means, which I believe violates my rights under applicable state and federal laws. 
Insurance Issues and Mismanagement : The truck was not properly insured. PenFed allowed me to cancel the collateral insurance, which would have reduced my loan balance to approximately {$1900.00}. Additionally, the same agent instructed me to send proof of my Florida ID card. Despite these actions, the insurance situation was mishandled, contributing to further complications and financial hardship. 
Unethical Repossession Fees and Demands : I was told it would cost {$2200.00} to retrieve my truck from repossession, which I had available. However, PenFed then demanded that I pay the entire loan balance in full to get my truck back. This practice is totally unethical and adds to the financial burden I am facing. 
Intent to Take Legal Action and Personal Circumstances : I would like to inform you that I am taking legal action regarding the repossession of my truck. The vehicle was in service for five months, and PenFed intentionally and dishonorably waited until it was fixed to repossess it, offering me no way to recover it. I was told I had until XX/XX/XXXX to make a payment, yet the vehicle was repossessed seven days earlier. I am a XXXX XXXX  who has XXXX XXXX XXXX XXXX, and I believe I have been unjustly treated. It would be in PenFeds best interest to reach out to me directly via email or phone, as they have my contact information on file. 
Lack of Communication and Resolution : I have attempted to communicate with PenFed regarding these issues, including the repossession and insurance charges, but they have acted as if they are not responsible or unwilling to address the situation.

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 2026-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX  BofA requested Id and password changes on my accounts stating they were updating security programming. I was unable to complete this process and called their help line. My contact went offline, The call dropped and I recieved a message that they were having technical issues and to call back the next day Friday XX/XX/XXXX. I called Friday, was working with service agents that said they could not enter a password either and I was locked out of my accounts and not to use my ATM card or try to login until resolved. This was a 10 hour call with a supervisor and phone assist. I called XXXX they were unable to unlock my account, after 5 hours and I was told not to login again until they contacted me. Monday XX/XX/XXXX I called and was transferred to their XXXX XXXX support who told me a XXXXXXXX XXXX XXXX account had been set up, they could not access it but would put in a work order that might clear the problem in 5-6 days. 
I am XXXX, XXXX, living on ss, and XXXX XXXX XXXX XXXX XXXX that is untreatable. I explained the importance of being able to access XXXX XXXX as I have auto pays set. Up and need to pay outstanding bills Im receiving on my phone bc the payees can not get past the block for payment. 
Today I was told that someone internally or a hacker had set up a XXXX XXXX XXXX under an old id/password.i am still locked out of XXXX XXXX have 2 accounts and need their IT dept to clear this up and provide security as all my medical and personal information was hacked 2 weeks ago, all info was taken and I now have equity identify theft protection for one year. 
BofA maintains there is nothing they can do and I suspect an internal identify theft problem or an outside hacker. My XXXX XXXX  is frozen. I have no access to pay my bills which is critical as I can not drive. 
Please look into this ASAP. Up until now my credit scores were in the XXXX range. Late payments are a health issue. Not only will my credit scores drop, I can not pay basic utlity bills or home insurance. I do believe there might have been an internal breech. 
Please advise next steps as account is frozen, this will directly impact my well being and I do not have any other source of income to live on. 
Your help would be greatly appreciated. 
With regards, XXXX XXXX XXXX XXXX XXXX XXXX, Ca 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 non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
am submitting this complaint due to Ally Financials failure to properly investigate and correct disputed credit reporting related to my auto loan. 

After discovering serious issues involving misrepresentation, undisclosed condition problems, and contract discrepancies connected to the originating dealer ( XXXX of XXXX XXXX, Florida ), I formally disputed the account with Ally Financial. Despite my dispute, Ally continued collection and credit reporting activity. 

I escalated the matter by filing a complaint with the XXXX XXXX XXXX against the dealership ( XXXX  Complaint ID # XXXX ). The XXXX  complaint was recently closed with unresolved consumer dissatisfaction after the dealer failed to correct or remedy the issues despite notice. This development constitutes new evidence that the dispute remains unresolved. 

Ally Financial has provided only generic responses and has not supplied documentation showing a reasonable, independent investigation into the disputed information. Specifically, Ally did not provide verification of how the reported information was validated, did not address discrepancies between contract documents, and did not explain why reporting continues while the account remains disputed. 

Despite repeated attempts to resolve this matter, Ally Financial has not corrected or removed the disputed information from my credit report and continues to rely on information originating from a dealer that failed to resolve documented issues after formal escalation. 

I am requesting regulatory review because Ally Financials actions indicate a failure to conduct a reasonable investigation and a continuation of adverse credit reporting on a disputed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I wa scammed by a website impersonating XXXX, on XX/XX/XXXX. I immediately realized it was a scam, and reported it. Showed all the proof that it was a scam website. Cash app will do nothing on the way of protecting me and returning my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Several years ago, I had a savings account with Citibank that was closed by the bank for alleged standards or compliance reasons. At the time the account was closed, the balance was approximately {$130.00}. 

I never received the remaining funds. No check was mailed to me, no electronic disbursement was received, and I did not owe Citibank any debt that would justify an offset. I have repeatedly attempted to resolve this by phone, but Citibank representatives state they can not locate the account and refuse to search by name, date of birth, or Social Security number. 

I have also searched state unclaimed property databases for multiple years and states, and the funds do not appear there. 

I am requesting that Citibank conduct a historical account review and provide written confirmation of the disposition of the funds, including : Whether the balance was returned, offset, or escheated The amount and date of disposition The method of disbursement or the state to which funds were remitted, if applicable If the funds were never properly disbursed, I am requesting payment of the remaining balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
Trying to collect a debt of XXXX dollars in which I already paid the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Click n' Close, Inc.
State: AZ

Complaint narrative:
I have requested explanation as to why XXXX shows a shortage when escrow is set to pay it each month. I received payment/billing details from FHA/MPI and XXXX XXXX XXXX distribution of escrow. I found on the escrow distribution spreadsheet that on XX/XX/year> {$190.00} and XX/XX/year> XXXX was sent to XXXX however on the XXXX XXXX XXXX I received those transactions are missing. Each time I have requested assistance via phone calls or recent complaint letter I sent I get a response that they have reviewed, and XXXX payments were behind and they took more out of escrow to pay which is now causing escrow shortage, however no one will provide me how it shows it is behind or where the {$190.00} and {$970.00} went. I sent copies of their spreadsheets showing and requested explanation. I know last year they redid an escrow analysis and stated we overpaid on XXXX and we received a refund check. If that was sent to us in error, then that is not our fault, and we were never advised we had to send it back to escrow. We have been paying our mortgage every month. I paid an additional {$200.00} to escrow XX/XX/year> to cover difference for increase in house insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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:
On XX/XX/XXXX at approximately XXXX XXXX  and XX/XX/XXXX at approximately XXXX XXXX, XXXX charges were posted to my Apple Card account from the merchant listed as XXXX. I do not recognize these charges and did not authorize them. 

I have not placed any orders with XXXX since XXXX, which I can verify through my XXXX account history. After noticing the charges, I contacted XXXX directly. XXXX informed me that they are unable to locate these transactions on their end and that the charges do not appear on my XXXX account or order history. ( I attached my XXXX order history and the fees charged to my XXXX seller account for the month of XX/XX/XXXX. ) I subsequently filed a dispute with Goldman Sachs ( Apple Card issuer ). I also changed my XXXX account password, changed my XXXX credit card number, and turned on Advanced Fraud Protection on my credit card. Despite my statements that the charges were unauthorized and despite XXXX inability to locate the transactions, Goldman Sachs denied my dispute twice. Goldman Sachs stated to me over the phone that, based on their advanced technology, they determined that I authorized the transactions. No documentation demonstrating that I personally and knowingly initiated these transactions has been provided to me despite repeatedly asking. 

Goldman Sachs further stated verbally that the only explanation for the charges not being mine would be if my account or device had been compromised, and they suggested that I file a police report, which I have done. At the time both transactions occurred, I was working as a resident physician at a hospital and was actively caring for patients. I did not make any purchases at those times and did not knowingly authorize any XXXX transactions. 

I am concerned that Goldman Sachs has improperly treated the use of my credentials, device, or location as proof of authorization, rather than addressing whether I personally and intentionally initiated these transactions. I believe this constitutes a failure to properly investigate and resolve an unauthorized charge under the Fair Credit Billing Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shepherd Outsourcing, LLC
State: NY

Complaint narrative:
XXXX You guys closed this complaint sighting duplicate complaint. I in my second complaint I was able to submit the evidence I didnt provide in the first complaint. So I resubmitted a second compkaint proving that I had 149 inquiries and other evidence of going over the credit limit by submitting my credit report.I 'm only asking what the Federal law states I can do. On XXXX XXXX  XXXX  leaked my information which caused XXXX  to also do the same. This information is public knowledge. Please give my complaint a fresh look. Because XXXX XXXX has replied and did nothing about wrong reporting or leak.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Bank of America have blocked me access to my online and mobile banking due to a fraudulent transaction from a XXXX app I downloaded, I work XXXX  and need access to my account. My online banking won't accept my login details, my facial recognition, email verification etc. I've contacted them through every possible portal with out success, they have been arrogant and very dismissive telling me I need to visit a financial branch with 2 forms of ID, I've informed them that wasn't possible, I have credit card bills that need to be paid on time as they have for the last 6-7 years with out fail, to prevent them from raising the interest or charging me penalties. they have now stopped replying to my messages, I've asked to file a complaint with them, with the way I've been treated and the lack of interest they've shown in the severity of the issue at hand. they've ignored my request ton speak to someone with authority in their company. I had the number connected to the account reactivated so they can contact me on that number to help with more verification, they have refused to get back to me. ive spent a lot of money and time on international calls with no success, I can not and will not fly to the US and waist more time and money to visit a financial branch, they have blocked my account multiple times in the past and despite the inconvenience ive managed to get verified through these above mentioned processes, I work abroad and travel a lot so the assumption of fraudulent transactions is understood but this time they are refusing to allow me access to what is mine after 6-7 years of being their client, 2 credit cards without a single missed payment and XXXX 's of thousands of dollars invested in the account over the years. 
please assist me this has been a very difficult period. id truly appreciate your help.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
A refund was made to my closed account in the amount of {$680.00} from XXXX XXXX XXXX. The account was closed, so the bank mailed the check to my home, but I had moved. The check went back to the bank. When I called, the bank told me to go in to a branch and verify my identity & address, and fill out a form ( XXXX  ), and they would then re-send the check to my new address. I completed this step on XX/XX/XXXX. I called on XX/XX/XXXXXXXX  because I still had not received the check. I spoke with XXXX ( id # XXXX ) who advised they had not sent the check but they would reissue the check and I should receive in the mail in 7-10 business days. I called again today because the check still has not been received and I spoke to XXXX, who claimed to be a supervisor but would not give me his last name or employee id. That is my first complaint. Anyone who accesses my account and all my personal information, should be able/willing to identify themselves when I ask. Secondly, he told me there was no way to escalate my concern, other than calling back and asking to speak with a diffferent supervisor. He put in a complaint ( # XXXX XXXX ) about the customer service I received, but he never escalated my issue. He basically told me he saw no record of a check or anything I spoke about ( as if I made this up ), and I would NOT be receiving a check because my account was in the negative when it closed. He was somewhat rude, unempathetic and could only provided canned responses. My issue is still not resolved and I'm simply tired of calling the bank and some people can find the info and others can not. I have more important things to do than sit on the phoe making calls to the bank all day for money they owe me. Its getting ridiculous! I need this issue resolved and I need a higher authority to contact me as soon as possible to do so.

Company response to consumer: Closed with explanation