vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
I opened an account with Marcus by Goldman Sachs in XX/XX/year>. Since the opening of that accounXXXX XXXX XXXX XXXX XXXXas struggled repeatedly with facilitating transfers to external accounts ( e.g., brokerage ). I have spoken to the Marcus team 15+ times regarding these issues, without satisfactory solution, confirming my identity ( e.g., social security number ) and account activity each time. Along the way, the Marcus team has been unable to complete those transfers, unable to facilitate basic customer service ( e.g., lack of knowledge, errors ), and demonstrated a complete lack of competence. As a result, a week ago, I started the process of transferring all remaining funds in my Marcus account ( {$72000.00} ) to my checking account with XXXX ( XX/XX/XXXX ). On XX/XX/XXXX, I was informed that the transfer wasn't completed, as the checking account with XXXX had not been confirmed as mine via a three-way phone call with XXXX and Marcus. Note : On XX/XX/XXXX, the XXXX had been confirmed as mine via a three-way phone call with XXXX and Marcus, and I had given the Marcus team a verbal instruction and confirmation to transfer the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am writing to issue a final formal demand regarding XXXX  willful misreporting of 30-day late payments on my XXXX auto loan for XX/XX/year> and XX/XX/year>. These false derogatory notations are entirely inaccurate, harmful, and defamatory. 

My payments were due on the XXXX of each month and were made on time. I have never been 30 days delinquent ( XXXX or XXXX ). 

XXXX has confirmed that they do not show any 30-day delinquency for those months and that their reporting reflects a current status. Yet XXXX has chosen to override verified data from the furnisher and continue damaging my credit profile with knowingly false information. 

This level of negligence is not only unacceptableit is actionable. 

You are in violation of : FCRA 607 ( b ) : Failing to ensure maximum possible accuracy.

FCRA 611 : Failing to conduct a reasonable reinvestigation.

Defamation : Publishing knowingly false information that harms my financial reputation.

Let this serve as your final notice. If this error is not removed immediately, I will : Escalate to my attorney for legal action. 
Make this case public, including sharing evidence of XXXX  false reporting and failure to act in good faith. 

Submit detailed complaints to the CFPB, FTC, and state regulators outlining XXXX pattern of willful negligence. 
I am demanding : Immediate removal of all 30-day late notations for XXXX and XX/XX/year>. 
Full update to reflect Paid As Agreed / Current with zero derogatory remarks.

Written confirmation of correction within 5 business days.

You are knowingly harming my name, my record, and my future financial standing. Fix itor be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-06-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Ensure Accuracy of Credit Report Request for Verification and Documentation I, XXXX XXXX XXXX , am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) as a natural person acting on my own behalf. I am seeking a formal explanation of the procedures used by the credit reporting agency in connection with a previous dispute I submitted regarding inaccurate personal information and multiple derogatory accounts.

Pursuant to 15 U.S. Code 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I have the right to receive a detailed description of the reinvestigation process used to verify the disputed information. This includes : The name, address, and phone number of any furnisher of information contacted, The identity of the person who verified the dispute, and Any documentation used to validate the accuracy of the reporting.

To date, I have not received this information, despite prior disputes and more than the allowable time having passed. I am now requesting this formally.

Disputed Information : Incorrect Personal Information : Also Known As : XXXX, XXXX, XXXX Previous Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Employer : XXXX XXXX XXXX XXXX XXXX Employer : XXXXXXXX XXXX XXXXXXXX XXXX Derogatory Accounts in Question : XXXX. Charge Off XXXXXXXX XXXX XXXXXXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX  ) 8. Late Payment ( Closed/Paid ) XXXX  ( Account : XXXXXXXX XXXX XXXX XXXX XXXX ) 9. Collection XXXX XXXX XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX  ) 10. Collection XXXX XXXX XXXX XXXX XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX  ) 11. XXXX XXXX XXXX XXXX ( Account : XXXX XXXX XXXX ) 1216. Collections XXXX / XXXX ( Various account numbers listed above ) 1720. Charge Off XXXXXXXX XXXX  XXXX and XXXXXXXX XXXX XXXX ( Duplicate listings ) 21. Charge Off XXXX XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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

Company 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 2025-06-24 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
I have not supplied proof under the docrrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exsits. ( please remove these account before i seek litigation for defamation of character ) 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 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I was trying to sell a laptop for {$300.00} on XXXX market place and I got scammed into sending {$200.00} to a fake account and exchanging {$500.00} checks over and over. The scammer was using multiple fake names and phone numbers through Zelle. I was tricked into believing that I was paying to open a Zelle business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: AE

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-24 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:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Received email from JP Morgan Bank regarding a credit card application being submitted in my name without my knowledge or consent. As a result of this I received a hard inquiry to my credit score and a drop in my credit as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This debt does not belong to me i have requested copies of contract to prove this debt does not belong to me please update my credit report and remove all inccorect information. this debt does not belong to me. please remove and stop posting on my credit because this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: AR

Complaint narrative:
Dear XXXX XXXX Customer Service, I hope this message finds you well. I'm writing to request a goodwill adjustment on my account ( XXXX ). 

I encountered financial hardship in XXXX due to employment difficulties that temporarily affected my ability to pay on time. As a result, my account showed a XXXX late payment in XX/XX/year>. 

Until that time, I had a strong and consistent payment record with XXXX XXXX. Since then, I have resumed regular payments and am committed to maintaining my account in good standing. 

I respectfully request that you consider removing the late payment from my credit report as a one-time goodwill gesture. This adjustment would help me continue rebuilding my financial stability and credit profile. 

Thank you for your time, understanding, and for being a valued lender during a difficult period in my life. 

Sincerely, 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 2025-06-24 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: AR

Complaint narrative:
Dear XXXX XXXX Customer Service, I hope this message finds you well. I'm writing to request a goodwill adjustment on my account ( XXXX ). 

I encountered financial hardship in XXXX due to employment difficulties that temporarily affected my ability to pay on time. As a result, my account showed a XXXX late payment in XX/XX/year>. 

Until that time, I had a strong and consistent payment record with XXXX XXXX. Since then, I have resumed regular payments and am committed to maintaining my account in good standing. 

I respectfully request that you consider removing the late payment from my credit report as a one-time goodwill gesture. This adjustment would help me continue rebuilding my financial stability and credit profile. 

Thank you for your time, understanding, and for being a valued lender during a difficult period in my life. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
I was informed that I was a victim of identity theft also a victim of the equifax data breach so after looking at my consumer report I noticed an account that I have no knowledge of per Fcra section 605b and 15 usc 1681c2 this account is the result of fraud please block this fraudulent account within XXXX business days thank you XXXX XXXX # XXXX Amount 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 2025-06-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Block, Inc.
State: UT

Complaint narrative:
They canceled my account at cash app for no apparent reason or warning and now Im band for life

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: KY

Complaint narrative:
I bank with Chime, and I had quite an unsettling experience recently. On XX/XX/year>, at XXXX PM, I filled up my tank at the XXXX XXXX XXXX for just {$7.00}. A couple of days later, on XX/XX/XXXX, my work check hit my account, but unfortunately, it was only a matter of hours before disaster struck. Someone from XXXX, XXXX, managed to hack into my account and siphon off a staggering {$460.00}! 

Naturally, I reached out to Chime to dispute the fraudulent transaction and was informed that it would take XXXX to XXXX business days to investigate. I kept cool and assured them I had every conversation documented. However, just the following week, the attacker struck again! This time, on XXXX XXXX at XXXX PM, they accessed my account once more, this time stealing {$700.00}. Frustrated, I contacted Chime again to file another dispute. To my dismay, my request was denied not XXXX, but XXXX  after presenting clear proof that I wasnt the one using XXXX XXXX to authorize these transactions. Its been a wild ride of emotions trying to navigate this ordeal! Chime id not trying to dispute my money at all and I bills due

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation