vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I contacted Apple Card ( issued by Goldman Sachs ) on XX/XX/year>, after losing my job and experiencing financial hardship. I requested access to their Customer Assistance Program or any available support to defer interest for this billing cycle. Despite never using the program before and being in good standing, I was denied without a valid reason. 

I also asked for clear information about my due date. I was told my next payment was due XX/XX/XXXX. However, the XXXX app showed {$1200.00} due by XX/XX/XXXX to avoid interest charges. When I pressed for clarification, a representative confirmed that I would be charged interest if I didnt pay by XX/XX/XXXX contradicting the XX/XX/XXXX statement. 

This miscommunication and lack of support is deceptive. I proactively reached out before missing a payment and was met with conflicting answers, misleading language, and zero help despite documented hardship. 

Im requesting the following : That interest for this billing cycle be waived That my hardship request be properly recorded That Goldman Sachs updates their internal communication to avoid future misleading language I attempted resolution directly with Apple and Goldman Sachs with no success. I now ask the CFPB to help hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, the sum of {$610.00} was debited from my Bank of America account ending in XXXX by Bank of America without my approval or authorization. 

I contacted Bank of America on the same date regarding this unauthorized charge. During my conversation with a customer service representative named XXXX, I requested to be transferred to the fraud department ; however, she declined my request. She informed me that the amount of {$610.00} was a charge-off from a closed account and that the funds were withdrawn to cover this charge-off. XXXX asserted that I had agreed to the terms and conditions upon opening the account. When I asked for documentation bearing my signature as proof, she stated that she could not provide such evidence as it was not available to her. Subsequently, she transferred me to the charge-off department. 

In the charge-off department, I spoke with XXXX XXXX XXXX She reiterated that I had agreed to the terms and conditions for my account ending in XXXX, yet she was unable to furnish any document containing my signature. According to her, my account was opened in XXXX, and their records do not extend back 25 years. I emphasized that Bank of America did not have my consent to withdraw funds from account XXXX, and that, had there been a charge-off, Bank of America should have issued a bill, as it was acting in the capacity of a debt collector rather than a bank. 

Following this conversation, XXXX transferred me to her supervisor, XXXX XXXX. XXXX XXXX explained that there exists a blanket agreement ; however, she acknowledged that a signature is required each time an account is opened. Which would contradict her blanket statement claim. 

I again requested that XXXX XXXX transfer me to the fraud department to dispute the fraudulent activity on my account. She refused my request, asserting that Bank of America would not investigate itself. 

I recorded my conversations with all representatives involved in this matter and informed them that the calls were being recorded. 

The Fair Credit Billing Act ( FCBA ), which protects consumers from unfair credit card billing practices, rules that banks can not typically seize funds deposited into a consumers bank account to pay off their credit card. According to the FCBA, a card issuer may not take any action to offset a cardholders indebtedness arising in connection with a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer. The law recognizes that using an offset provision to go after your credit card debt would give the bank some leverage against you

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 2025-05-27 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: FL

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} 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 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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
Early this year, XXXX XXXX XXXX arbitrarily called me and indicated I owe the company lawn aeration service I believe last year or the year before. I told the Company this was not true. I explained that I used the Company one ( 1 ) time for aeration services and I paid cash to the person who came out to my home. The person calling me acknowledged this information and assumed that I used the services again. I tried to explain to this individual that I did not used the Company but one ( 1 ) time and that was it. The caller did not listen! I told her this was a computer error or a fraudulent call. 

I explained to her I have no contract with this XXXX XXXX XXXX. I told her again someone at her office submitted a fraudulent invoice. She would not listen. This Company is unreasonable and assumed that I continously used their aeration services. Now, the Company has put a collection debt on my " credit report '' with no adequate information. 
The debt collection was put on my report by American Profit Recovery with no proof ; just to the report from XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Please refer CFPB complaint # XXXX and Sofi 's response on XXXX XX/XX/year>. 
I end up paying {$2400.00} for the annual XXXX  assessment even when I should be paying only {$1200.00} for 2025. 
It's good that Sofi refunded {$70.00} to me. 
But I got only one check of {$560.00} from my XXXX. 
I want to know from Sofi bank, what exactly happened to the XXXX XXXX checks of {$600.00} each. I want to know each and every detail - like when they were sent by Sofi or the 3rd Party or the Provider? When it was received by the recipient? When the recipient deposited it? And when the finally stop payment was done? and when the recipient charged stop payment fees? 
Where exactly is the {$560.00} gone-that money is totally lost right now? It's not just the money that is lost - I have spent close to 12 hours on this back and forth ( time and efforts ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} 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 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
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I discovered a collection account reported on my credit reports from CREDIT COLL regarding an alleged debt from XXXX XXXX XXXX XXXX ( Account # XXXX ) in the amount of {$120.00}. 

I never received any original documentation regarding this debt. On XX/XX/year>, I sent a formal Debt Validation Request to the collector under FDCPA 809 ( b ) requesting proper verification. 

As of today, they have not provided any proof, and they are still reporting the debt to the credit bureaus ( XXXX XXXX XXXX XXXX ). This violates both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

I am requesting that the CFPB intervene and that this unverified debt be removed from my credit reports if no valid documentation is produced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XX/XX/year>, and XX/XX/year>, I used Western Union to send two international money transfers totaling {$1400.00} ( MTCNs XXXX and XXXX ) to an individual named XXXX XXXX in XXXX. These payments were for a supplement order. 

After receiving the money, the recipient failed to deliver any product and completely stopped communication. I realized I had been defrauded and filed a dispute with my bank, which successfully reversed the charges. 

Despite being informed of the fraud and the dispute, Western Union is now attempting to collect the full amount from me. They have sent multiple collection emails and notices demanding that I pay them back, even though they disbursed the funds to a known scammer and I received nothing in return. 

I formally disputed the debt with Western Union and requested debt validation, a fraud investigation, and a suspension of all collection activity. They have ignored my requests and continue to demand repayment. I have also filed a report with the FTC. 

I am requesting CFPB assistance in ensuring that Western Union recognizes this as a fraudulent transaction, ceases all collection efforts, and clears this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I reviewed my Experian credit report and found multiple negative accounts that are inaccurate, incomplete, or unverifiable. Despite disputing these accounts directly with Experian, they have failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ).

The inaccuracies include accounts that do not belong to me, incorrect payment histories, outdated negative information beyond the legally allowed reporting periods, and accounts reported as open or unpaid when they have been paid or closed. Experian has also failed to notify the original creditors of my disputes and has not marked the disputed accounts as in dispute on my report. 

I requested a reinvestigation and correction of these errors, but Experian has not corrected or removed the inaccurate or unverifiable information. This failure violates my rights under the FCRA and negatively impacts my creditworthiness.

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