vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I am writing to file a formal complaint against Marcus by Goldman Sachs regarding a serious and unresolved issue with my High-Yield Savings Account.On XX/XX/XXXX, I attempted to transfer {$32000.00} from my Marcus savings account to a personal bank account that had recently been closed. I acknowledge this was an error on my part, as the closed account was previously mine.Upon contacting Marcus, I was instructed to mail a physical letter showing proof that the destination account had been closed. I complied promptly and sent the documentation via mail as requested. I was told the funds would be released as soon as the letter was received and reviewed.It has now been over a month, and despite repeated follow-ups every few days, my money remains inaccessible. Each time I contact Marcus, I am told the case is with the " review team '' and that no estimated timeline can be provided. I have escalated this matter to multiple representatives, yet none have given me a clear or actionable update. I have emphasized that I urgently need these funds to pay essential bills, but I am repeatedly told, We dont know when the review will be completed.I consider this an unacceptable delay and a possible act of financial misconduct or negligence. Holding customer funds for over a month without a resolution, while providing no transparency or timeline, has placed me under significant financial strain and emotional distress.I am requesting that the XXXX investigate this matter and ensure that Marcus by Goldman Sachs is held accountable for this delay and lack of transparency. I am also demanding that the full amount of {$32000.00} be released to me immediately, either via ACH or wire transfer to a verified and active personal bank account.Please let me know if any additional documentation is required. I am prepared to provide all necessary evidence to support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sombrero Capital LLC
State: FL

Complaint narrative:
Subject : Disputing Inadequate Response to CFPB Complaint XXXX XXXX XXXXXXXX To Whom It XXXX Concern, I am writing to dispute the response provided to my recent CFPB complaint regarding the failure to report my mortgage account to the credit bureaus. 

In the response, I was advised to contact the reporting member XXXX XXXX. However, I have already done this on multiple occasions and have received either no assistance or confirmation that they are unwilling or unable to report the account. I have documented these efforts and included them in my original complaint. 

As a result, I am stuck in a loop the credit bureaus require information from the XXXX XXXX XXXX XXXX mortgage company claims they can not report the account, and the CFPB has now referred me back to the mortgage company. This cycle leaves me with no clear path to resolution and no accurate representation of my mortgage history on my credit report. 

This issue falls under the Fair Credit Reporting Act ( FCRA ), which ensures consumers have the right to dispute incomplete or inaccurate information. I have provided supporting documentation, including mortgage statements and communication with the lender, and I believe further investigation is warranted. 

I respectfully request that the CFPB : XXXX. Reopen this complaint or escalate it to a supervisor or senior case reviewer XXXX. Investigate the mortgage companys obligation to report or correct tradeline data XXXX. Provide guidance on how I XXXX enforce my rights under FCRA when the furnisher refuses to cooperate Thank you for your time and attention to this matter. I look forward to your help in finding a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX Original Complaint Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and 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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
To : Portfolio Recovery Associates [ Collectors Address if available ] RE : Account # : 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  This is a formal dispute and debt validation demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ) and 1692e. 

I am demanding a full validation of this alleged debt before you continue reporting, attempting to collect, or contacting me further. You are to cease all collection efforts immediately until all of the following are provided : Required Information : Copy of the original signed contract with my wet signature Full chain of assignment, including documentation from the original creditor to Portfolio Recovery Any insurance claim or third-party settlement related to this debt Forward Flow Agreement or Purchase Agreement authorizing your ownership Proof of your license and legal standing to collect debt in my state Itemized breakdown of balance claimed Legal Notice : Failure to provide full validation is a violation of FDCPA 15 U.S.C. 1692g, 1692e ( false/misleading representation ), and 15 U.S. Code 1692j ( furnishing deceptive forms ).

If you continue collection activity without validating this debt, I will file complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My States Attorney General Additionally, I will pursue civil penalties of up to {$1000.00} per violation and seek actual and punitive damages under 15 U.S.C. 1692k. 

This letter also serves as a formal Cease and Desist. You are to stop all communication unless you are providing proper documentation or filing a legal action. Failure to comply will result in further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Called yesterday find out my account has all these flags and the financial institution keeps given me conflicting information this person did this this person did that but misleading info bouncing me around to every department available just rude.

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 2025-04-22 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: MT

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. EXPERIAN XXXX XXXX - XXXX XXXX, XXXX XXXX. EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
On XXXX XXXX, 2025, I discovered five unauthorized hard inquiries on my credit report from the following financial institutions : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX ( XXXX ). I did not apply for credit, authorize, or give permission to any of these entities to access my credit file. These inquiries were made without my knowledge or consent, constituting a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits unlawful or unpermitted communication.

These unauthorized inquiries have negatively affected my credit profile and may have resulted from identity theft or internal error. I have filed this complaint to demand a formal investigation and the immediate removal of these inquiries. I am also submitting a formal FTC report and will escalate to legal action if these violations are not addressed and resolved promptly. 

UNKNOWN ADDRESS : XXXX XXXX XXXX # XXXX, XXXX XXXX, KS XXXX I am exercising my rights under the Fair Credit Reporting Act, 15 U.S. Code 1681i ( a ), 1681b, 1681c2, and 1681g ( a ) ( 1 ) to request the immediate deletion of the unauthorized address at XXXX XXXX XXXX # XXXX, XXXX XXXX, KS XXXX. This address is neither accurate nor associated with my residence history, and its continued presence violates my rights under federal law.

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 2025-04-22 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: NY

Complaint narrative:
On XXXX XXXX, 2025, I discovered five unauthorized hard inquiries on my credit report from the following financial institutions : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX ( XXXX ). I did not apply for credit, authorize, or give permission to any of these entities to access my credit file. These inquiries were made without my knowledge or consent, constituting a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits unlawful or unpermitted communication.

These unauthorized inquiries have negatively affected my credit profile and may have resulted from identity theft or internal error. I have filed this complaint to demand a formal investigation and the immediate removal of these inquiries. I am also submitting a formal FTC report and will escalate to legal action if these violations are not addressed and resolved promptly. 

UNKNOWN ADDRESS : XXXX XXXX XXXX # XXXX, XXXX XXXX, KS XXXX I am exercising my rights under the Fair Credit Reporting Act, 15 U.S. Code 1681i ( a ), 1681b, 1681c2, and 1681g ( a ) ( 1 ) to request the immediate deletion of the unauthorized address at XXXX XXXX XXXX # XXXX, XXXX XXXX, KS XXXX. This address is neither accurate nor associated with my residence history, and its continued presence violates my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sezzle Inc.
State: SC

Complaint narrative:
I never actually opened this debt, yet it has been reported on my credit report as if I did. This situation raises serious concerns because anyone can potentially open accounts or incur debts in someone else 's name without their knowledge. It's frustrating and alarming to see my credit affected by something that isn't my doing. I need to understand how this could happen and what steps I can take to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: SC

Complaint narrative:
I had over XXXX XXXX  taken off my card in the matter of XXXX XXXX  I called cash app the day it happened. They said only thing I could do at the time was to order a new card until the transactions went through and stopped pending whoever it was was through some source called XXXX I have Police report, I have disputed all the transactions still no information or any help by cash apps fraud department knows customer service, in other words they have be little help. I rather not get my attorney involved just looking for outside help. Thank you have a blessed day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-04-22 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
I am disputing a collections account placed by Credence Resource Management for a fraudulent XXXX XXXX account that I did not open. I first submitted a dispute to XXXX on XX/XX/year>, and they acknowledged receipt on XX/XX/year>. I also submitted an FTC Identity Theft Report detailing this and another unauthorized utility account. 

Despite multiple requests, Credence has failed to provide any documentation validating the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). Instead, on XX/XX/year>, they replied stating the account was " marked as a possible fraud '' but did not provide any supporting evidence or validation. 

As of XX/XX/year>, the account remains on my credit report. Credence has continued to report the account to the credit bureaus without providing the legally required validation or removing the fraudulent information, in violation of the FDCPA and Fair Credit Reporting Act ( FCRA ). 

I am requesting that this account be removed from my credit report and that all collection activity cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
My information was exposed through the data breach and my credit report is reporting inaccurate information and accounts that I have no knowledge of.

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 2025-04-22 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. 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 in to be removed. 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. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports

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 2025-04-22 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. 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 in to be removed. 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. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
They have called me 20 times since last thursday. This is harrassment.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the reporting of a bankruptcy that appears on my credit file. I have obtained an official letter from the court that clearly confirms this bankruptcy should not be reported to any credit bureau. Despite this clear directive, it remains listed on my report, which is not only incorrect but also damaging to my credit profile. Whats even more concerning is the involvement of an unauthorized third party in this matter. This raises serious concerns about the accuracy, security, and handling of my personal information, and further highlights the urgent need for a thorough review and immediate correction of this issue

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