vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Global Lending Services LLC
State: WA

Complaint narrative:
Dear CFPB : Thanks for your previous help getting a response from GLS Lending Services. I took their response and consulted with a consumer lawyer who reviewed the information provided by XXXX XXXX. He raised the following questions : 1. The NOTICE OF OUR PLAN TO SELL PROPERTY letter dated XX/XX/year> mentions being sent VIA CERTIFIED MAIL but there is no certified mail tracking number given in the letter, nor was a copy of the certified mail stamped receipt with tracking number provided by her. My lawyer is aware the U. S. Postal Service only retains certified mail delivery records for XXXX XXXX  but a receipt confirming that the Notice was actually mailed should still be retained for recordkeeping purposes. 

2. In her letter, XXXX XXXX claims the vehicle was sold at auction. The NOTICE OF OUR PLAN TO SELL PROPERTY letter said the vehicle would be sold at a private sale. A repo auction is a public sale, while a private sale is a sale that occurs between a lender and buyer outside of an auction. My lawyer is confused as to exactly which type of transaction actually took place to dispose of the vehicle and wants to see proof. 

3. Did GLS Lending Services transfer or sell my loan to GLS Auto Receivables Issuer Trust or a similar entity and act as the loan servicer afterward? If YES then, a ) What is the full name of the entity my loan was transferred or sold to and when? 

b ) Is GLS Lending Services trying to collect the deficiency balance from me on behalf of that entity? 

My lawyer is willing to waive answers to the above questions if GLS Lending Services will immediately delete the negative account information from my credit reports. If not, I will consider retaining him to pursue this investigation to conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year>XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit 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, and false information consists of a personal credit card account opened at XXXX  XXXX under the account number ( XXXX ), and a personal credit card account opened at XXXX  XXXX XXXX  under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 non-monetary relief
Consumer complaint received 2025-03-07 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: AZ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
These banks that I mentioned made inquiries into my credit report without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These banks that I mentioned made inquiries into my credit report without my authorization.

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 2025-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
Subject : Complaint Against Marcus by Goldman Sachs Account Lock and Withheld Funds ( {$20000.00} ) Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Marcus by Goldman Sachs regarding the unjustified withholding of {$20000.00} and account lock without resolution. 

Details of the Issue : XX/XX/2025 I transferred {$20000.00} from XXXX to my Marcus account. 
XX/XX/2025 I attempted to transfer the funds from Marcus to another bank. 
XX/XX/2025 The transaction was reversed back to Marcus without explanation. 
XX/XX/2025 I called Marcus to clarify the issue. They informed me they do not accept XXXX transfers and attempted to return the funds to XXXX. However, they failed to process the reversal and immediately locked my account without further explanation. 

Since then, over 48 hrs, I have received no timeline for resolution, no access to my funds, and no clear response despite multiple calls. Marcuss actions appear to violate : 1. Regulation CC ( Expedited Funds Availability Act ) Failure to provide access to my funds. 
2. Regulation E ( Electronic Fund Transfer Act ) Failure to process an authorized transfer and resolve errors.

3. FTC Act ( Unfair or Deceptive Acts or Practices UDAP ) Withholding my funds without a proper resolution. 

I request the CFPB to investigate Marcus by Goldman Sachs for potential violations and demand an immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-07 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. 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 2025-03-07 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. 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 2025-03-07 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: FL

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
We are in the middle of a loan modification application that our lawyer has filed back in XXXX of XXXX. They received it on XXXX XXXX. The Attorney for Select Portfolio Servicing inc is ignoring the application and notified the XXXX XXXX Sheriff 's office never notified us and the Sheriff set a date for our house to be Auctioned off on XXXX XXXX. We are going to file 2 adjustments that equal at least 60 days. It took the mortgage company almost 8 months to send me the assumption form to sign and date which was on XXXX XXXX by facing it over to us. I faxed it right back to them after reading and signing it and I also expressed mailed it today. They refuse to notify the Law firm XXXX about the loan modification application. We have people calling us and ringing our door bell all hours of the night. They are Harassing us. They also said our social security cards were not readable so we sent them certified mail return receipt and they received it on XX/XX/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 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to convert my cryptocurrency holdings to USD on Coinbase. However, despite selecting USD, Coinbases user interface repeatedly defaulted my transactions to XXXX without my consent, within the span of 2 minutes. This resulted in multiple forced conversions and a financial loss of approximately {$1500.00} due to unexpected trading fees and market fluctuations. 

I immediately contacted Coinbase to correct the issue and request reimbursement, but they provided vague responses and failed to take accountability. They acknowledged that they were aware of the issue but refused to confirm whether they would refund my losses. After further escalation, Coinbase denied my claim, stating that XXXX was selected in my transactions, despite the fact that their UI repeatedly defaulted my selection. 

This was not an error on my partit was a UI issue that caused unintended conversions and financial loss. I believe Coinbases failure to honor my intended transactions and lack of transparency regarding this issue may be in violation of consumer protection regulations. I am requesting CFPB intervention to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
My account with 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 ( MONTHS REPORTING LATE ) 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 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 2025-03-07 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: UT

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX Creditor Name : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I dont know exact dates of acquiring the loan right off. But I do know one main financial provided a loan to pay off an auto loan I had on a used truck, and then at some point offered way more than its value for it to be collateral. At this point in time I was struggling mentally with my XXXX as Im a XXXX veteran. To which I wasnt thinking clearly about what was being offered or being taken advantage of. My credit was doing good and I knew the truck I had wouldnt last much longer as it had over XXXX miles on it. So I went and got approved for a new truck, that being said the one main payments were almost XXXX a month I believe. So I decided to let one main fall back because of the financial mess they put me In with a XXXX truck with XXXX miles with XXXX debt. So now theyre reopening a closed charged off account on me that dropped My credit almost XXXX points. Theyre misleading and Im not able to move forward with a good credit health because of them. XXXX at auction and left me with the excess of XXXX plus in debt. I feel Ive been taken advantaged of and been done dirty ever since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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:
Subject : Dispute of Civil Liability for Negligent Non-Compliance ( 60-81-0 Dear Equifax , Transunion Dispute Department , I am writing to formally dispute the inaccurate reporting of a civil liability under code 60-81-0 on my credit report. Upon reviewing my credit file, I have identified incorrect and misleading information that I believe is the result of negligent non-compliance with credit reporting laws and regulations.

Details of the Disputed Item : Account Name/Number : [ Provide details of the disputed account ] Creditor or Reporting Entity : [ If applicable ] Date of Reporting : [ If known ] This civil liability claim is incorrect because [ explain why the item is wrong, e.g., I have never been involved in such a case, The debt has been satisfied or dismissed, The reporting violates FCRA regulations , etc. ]. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Equifax is required to maintain accurate and verifiable information. Failure to correct this inaccuracy constitutes negligent non-compliance, which may expose your company to legal liability.

I request that you immediately investigate this matter and either : 1. Provide verification of the accuracy of this entry in compliance with FCRA guidelines, or 2. Delete this erroneous information from my credit report if it can not be substantiated.

I have attached supporting documents to verify my identity and dispute, including : A copy of my government-issued ID ( drivers license, passport, or state ID ) A recent utility bill or bank statement as proof of my correct address Any court documents, correspondence, or proof of prior disputes Attached to this letter are copies of relevant supporting documents, including [ list any documents you are providing, such as a court order, proof of payment, or identity verification ].

Under the FCRA, you have 30 days to complete your investigation and respond to my dispute. Please confirm in writing that this inaccurate item has been removed or provide a detailed explanation of your findings.

If this matter is not resolved promptly, I am prepared to escalate my dispute to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies for damages caused by Equifaxs negligent reporting.

I appreciate your immediate attention to this matter. You may respond to me in writing at the address listed above or via email. 



Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Asked Transunion for credit report to be mailed to me very unprofessional nasty I am entitled to copy annual report and I was denied credit as well asked for one or both no response called said I was able to get it very rude to me I need it for fraudulent activities and need to fix my report very unhelpful don't care about public at all

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