vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
I received notice in the mail that both my savings and CD account had been closed and my account locked.

When I called Marcus I had to escalate twice and no one could tell me why the account was closed. They did say I should receive funds within 10 business days, but could not tell me how the funds would be returned back to me.

I dont understand how Marcus can do this without my consent.

I would also like them to unlock my account so I can access my past account statements and tax documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: VA

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was sent a capital one credit card without me applying for it. I keep getting bills for it even though I havent used the card as well. {$2200.00} is the bill I received in the mail XX/XX/year>. Ive tried calling capital one to resolve this issue and they requested forms of identity to start an investigation. I provided my ID, SSC, and latest bank account information with address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding XXXX  this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous XXXX  and XXXX  it's causing me.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I dont know about this debt. Never signed anything with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent charges consist of a personal credit card account opened at XXXX for {$1500.00} with the account number of # XXXX opened XXXXThis account have resulted in fraudulent charges appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against Credit Reporting Agency Experian. 
Consumer Name : XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian Reporting Agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, account have resulted in an account appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO Credit Report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, collections as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit account collection are the result of identity theft and fraud.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

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 2025-08-27 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: NJ

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
The company is PayPal. I have a business account that I use and I have a website where I XXXX XXXX XXXX and some customers use PayPal to checkout so the money gets sent to that business PayPal account that I have. Well I had a couple orders that got sent out late due to shipping issues so a couple orders took slightly longer to get fulfilled and a couple of customers filed a dispute so PayPal put limitations on my account which meant that I can't withdraw any money or receive any new orders. The only money that was in my account was the money from 2 orders that were being held because the orders were disputed which is about {$200.00} each and another order that was placed but I am unable to capture the money yet due to my limitations and the order is also about {$200.00} so the total is around {$600.00}. In order to remove the limitations from my account, I had to upload my ID and proof of shipment and a couple things like that for a few orders that I received and I had just recently had the issues fixed with those orders and had the orders shipped out so I uploaded the information such as the tracking information and the proof of purchase of the product and I believe a few other things. I submitted all the necessary information for each other that it asked and it said it would review my information and get back to me within 3 days. I did not hear back from PayPal within 3 days. After about 5 or 6 days, today, I got an email from PayPal saying that my PayPal account was permanently closed because " there was information used to create this account that we can not verify ''. If PayPal needed more or different forms of verification, they could've told me and I would've gladly provided it. Instead, for some unknown reason, they permanently closed my account which means that the money from those orders, about {$600.00}, is now gone and I can not get it. I really need those {$600.00}. My store is a small business and my only source of income because I am unable to get a job right now and I just recently moved for college and I don't have a lot of money so not having those {$600.00} is doing a lot of damage to me. PayPal needs to do better, this has happened to many other individuals from what I've read online. PayPal causes way too many issues to way too many people. In my life, most of the times that I heard or read others talking about PayPal, it was people complaining and saying to never use it and now I understand why. I really need those {$600.00} that PayPal is stealing from me. It's causing me a lot of problems and now there are days where I have to eat less then what I am supposed to eat because I don't have enough to spend on food. Please help me resolve this I really need the {$600.00} that PayPal is taking from me. I can provide any proofs and screenshots if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very frustrated to see that the inaccurate accounts are still appearing on my credit report, even though they should have been removed. I need my attached documents to be carefully reviewed so this problem can finally be resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have student loans showing on my credit report that are not mine. I've disputed them since XXXX when I discovered them on my report and they are still on my credit report. XXXX took over loan from XXXX. Per loan agreement they sent, the loan began with XXXX in XXXX and shows an email address I never had, an address that I had moved from in XXXX, 2 family members names, but fake phone numbers and says " electronic signature on file ''. I XXXX  college in XXXX. I had XXXX  in XXXX and had a XXXX  born in XXXX. I never returned to college after getting my XXXX  in XX/XX/XXXX from XXXX. In XXXX, I had a XXXX XXXX XXXX, was XXXX, and working far too much to even consider going to college again. When I researched the loan years ago, I was told it was for a school in Arizona, a state where I've never lived. When I called the school, they said they had no record of my attendance/ transcripts. No matter how many times I report to credit bureaus and the loan companies that any loan after my XXXX graduation is not mine, they refuse to correct my credit report. They are now trying to force me to make payments on a loan that is not mine. I never lived in Arizona, never got any student loan after my graduation and refuse to pay for a loan I did not take out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX Capital # XXXX To Whom It May Concern : This letter places both Experian and Equifax on notice that the account being furnished by XXXX XXXX XXXX is being reported inaccurately and incompletely on my credit files. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain the maximum possible accuracy of information you report ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable reinvestigation whenever a consumer disputes an account ( 15 U.S.C. 1681i ( a ) ). At this point, you are knowingly publishing disputed, inaccurate, and incomplete information. 

Specifically : XXXX XXXX XXXX has failed to provide validation of this alleged account, despite repeated requests. 

You are reporting an account without verified documentation, meaning the reporting is neither accurate nor complete. 

By publishing and maintaining this unverifiable account, you are willfully violating your obligations under federal law.

Further, under Pennsylvania law, including the Fair Credit Extension Uniformity Act ( 73 P.S. 2270.1 et seq. ) and the Unfair Trade Practices and Consumer Protection Law ( 73 P.S. 201-1 et seq. ), knowingly reporting false or unverified debt constitutes an unfair and deceptive practice.

You are hereby directed to : Immediately delete the XXXX XXXX XXXX account from my credit files. 

Provide written confirmation of the deletion within XXXX  days of your receipt of this notice. 

If this unverifiable and disputed account remains on my reports, I will have no choice but to initiate formal proceedings in binding arbitration or federal court, naming Experian and Equifax as co-defendants alongside XXXX XXXX XXXX for your collective violations of federal and state law. 

This is your final warning. 

Sincerely, 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am extremely frustrated to see that the inaccurate accounts are still showing on my credit report this morning. I checked as I normally do, but instead of improvements, I found these wrong accounts again. I even refreshed my browser thinking it might be a glitch, but they are still there. This issue must be resolved immediately, and I am requesting that the documents I sent be reviewed carefully so I never have to XXXX  about this 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 explanation
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Late Dates XX/XX/year>2019 & XX/XX/year>2019 & XXXX XXXX Late Dates XX/XX/year>2019 & XX/XX/year>2019. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, XXXX XXXX, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Goldcar Lending Inc.
State: AL

Complaint narrative:
My payment was due on XX/XX/XXXX I called and stated I would be in on XXXX XXXX reposted the car on XX/XX/XXXX stating non payment.I was not behind on any car payments except for the month of XXXXAfter repossession they stated the extension wasn't approved which no one called and told me it wasn't the operator just said ok.I was never late out side of a couple of days with the payment with this company which is a complete ripoff

Company response to consumer: Untimely response
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
Dear Jefferson Capital Systems LLC I am responding to your contact about an alleged debt. This is a request for validation of the debt, made pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide the following information : The name and address of the original creditor.

The amount of the alleged debt, including an itemization of any fees or interest.

A copy of the original signed agreement or contract that verifies my liability.

Proof that your agency is licensed to collect debts in my state, if applicable.

Documentation that you are authorized to collect this debt.

Be advised that until you provide proper validation, you must cease all collection activities, including reporting this debt to credit bureaus. If you have already reported it, you must immediately request its removal until the debt is validated.

This letter is not an acknowledgment that I owe the debt, nor is it a refusal to pay. It is a formal request for proof of validity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On the morning of XXXX XXXX2025, I received a text alert from BOA credit card that a charge on my account for {$100.00} was declined. I looked at my account on line & saw the charge was on my account. I called the same day and BOA told me that they declined it as it looked suspicious, but then put it through because they said I had approved it. I DID NOT approve it as I knew nothing about it. I told them it was a fraudulent charge and opened a claim. My account was credited for the {$100.00} while they investigated it. I received a denial letter dated XX/XX/XXXX ( and the {$100.00} was pit back on my bill ) and requested copies of the info the vendor sent to them showing that I made the purchase. I have attached everything. The bottom line is I DID NOT make this purchase and the IP address that the vendor provided DOES NOT MATCH my IP address which should prove that this was a fraudulent charge. If you need me to supply my IP address I will do so but DO NOT want to send it to the company or vendor Thank you for your assistance

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