vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
This is a second time I am filing a complain regarding my issue with Marcus By Goldman Sachs. The first time it was because I was not able to access my account for some reasons. One day, I was trying to access my account and without any explanation so whatever my account got blocked until today. Last time, after my complain, I got reached by a representative and it was the same issue, which was they were not able to authenticate me and I have to call back at a later time to try again. Every time my son and I tried to call back it was the same result until one day the call got escalated to a manager who was able to help and reopen the account. I am sorry, I do not remember the exact date. At the end of that call, the manager said I was going to received a form in the mail to dispute the money that was in the account so that they can go ahead and refund that back to the account. But even after that call, I was still not able to access the account, the account was still blocked. I waited for about XXXX weeks and no form/letter in the mail. My son and I tried to call back again to solve the issue where I am not even able to login into my account in the first place but same issue. They asked questions after questions, put me on hold for more than XXXX minutes to say that I have to wait because there is a hold on the account. When I asked for the reason why there is a hold on the account no clear response just that I have to wait and call back at a later time. A week after that, I received the form which I immediately filled out and send back the same day. But surprisingly, a couple of days after that I have received another letter in the mail stating that my account was close again. Please this is so frustrating. On Wednesday My son and I tried to call again and after authenticating myself they sent me to another department and one there the agent said for security purposes he has to call us back in the next 5 minutes. Since then no call. Please this is so frustrating and I do not want anything else than my money back. I do not want to waste time and call Marcus again to try to reopen the account please I just want my money back. Last time they said the case was resolved and asked to close the claim. I DO NOT WANT THIS CLOSE UNLESS I HAVE RECEIVED MY MONEY BACK. I DO NOT WANT THE ACCOUNT TO BE REOPEN I JUST WANT MY MONEY BACK PLEASE!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MA

Complaint narrative:
XXXX XXXXXXXX failed to provide proper documentation to XXXX insurance to pay off remainder of car loan in 2019. I finally did the leg work and got XXXX insurance to reach out to XXXX XXXXXXXX to provide the documentation requested and now XXXX has paid the loan. I would ask that XXXX XXXXXXXX remove all late payments from the past 6 years that were at no fault of my own but due to them not providing the paperwork necessary to be paid out.

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 2025-09-05 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: MA

Complaint narrative:
XXXX  XXXX failed to provide proper documentation to GAP insurance to pay off remainder of car loan in XXXX. I finally did the leg work and got GAP insurance to reach out to capital one to provide the documentation requested and now GAP has paid the loan. I would ask that capital one remove all late payments from the past XXXX  years that were at no fault of my own but due to them not providing the paperwork necessary to be paid out.

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 2025-09-05 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: MA

Complaint narrative:
XXXX XXXX failed to provide proper documentation to GAP insurance to pay off remainder of car loan in XXXX. I finally did the leg work and got GAP insurance to reach out to XXXX XXXX to provide the documentation requested and now GAP has paid the loan. I would ask that XXXX XXXX  remove all late payments from the past 6 years that were at no fault of my own but due to them not providing the paperwork necessary to be paid out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
On or around XX/XX/XXXX I contacted studentaid.gov and inquired why the months of XXXX and XXXX of XXXXwere deemed ineligible for Public Service Loan Forgiveness ( PSLF ) while I was enrolled in autopay, working for a verified qualifying employer, and making progress towards PSLF. This inquiry was made based upon a communication received from studentaid.gov on XX/XX/XXXX indicating that Mohela ( my servicer ) would be transferring platforms and the change would not affect my loans progress towards PSLF, if eligible. The response I received contained information about the various kinds of forbearance and about the option for reconsideration. I had already submitted a reconsideration request on XX/XX/XXXX, which is still pending, and about which I have made several follow-up inquiries. Responses to my inquiries included confirmation of my my request, that it was escalated, and that it would take " up to 90 days or longer. '' On the XXXX of XXXX, XXXX I contacted studentaid.gov, with attachments showing the previous XX/XX/XXXX communication, indicated that I still do not have the months of XXXX and XXXX as qualifying months towards PSLF, and pointed out that Mohela 's platform transfer clearly interfered and with my progress towards XXXX. I noted that I had submitted a reconsideration 111 days ago, that it had been escalated, and asked not to reply with the redundant, contradictory timeframe of " up to 90 days or longer ''. I concluded by asking if this was fraud. I received a response, again, confirming my reconsideration request, but this time indicating there was no timeframe. The communication also provided information about how to check my payment count with information about how to interpret the payment count. I responded and told them the information received was not helpful, and with screenshots of my PSLF count, specifically the months of XXXX and XXXX of XXXX indicating they were ineligible due to forbearance which I was forced into due to Mohela 's platform transfer, and restated that fact. I then asked to clarify how being forced into forbearance due to the platform transfer and hence being deemed ineligible for those stated months did not interfere with progress towards PSLF. I concluded by indicating that I could not help but feel this was an attempt by the Dept of Ed to confound and wrongfully deny PSLF. I have not received a reply. Thank you for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I notice on my XXXX  credit report Bank of America did a hard inquiry that I dont recognize as being authorized

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 2025-09-05 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: NC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: AZ

Complaint narrative:
This letter serves as my Final Demand regarding the fraudulent hard inquiries appearing on my credit report. I have never applied for credit with, nor authorized, the companies responsible for these inquiries. These entries are therefore unlawful and in direct violation of the Fair Credit Reporting Act ( FCRA ). 

You are required by federal law to verify each inquiry by providing documented proof of my written consent. If you can not provide such evidence, you must immediately delete these inquiries from my credit file.

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 2025-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Phone calls to place of business, using employer information found online. 

Called the general line, reaching reception and not disclosing attempted collection. Only sends written communication, in frequently and chosen to call my place of employment, during business hours, using general reception phone numbers. 

Nature of debt is sensitive due to HIPPAA Regulations and, the owner of the debt has not allowed sufficient time for medical insurance provider to process the claim and provide payment per the usual and customary processing times. 

Bad faith tactics on both ends Most recent call via above means was today at XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: FL

Complaint narrative:
they said they will close my account and send a cashiers check in 45 days upon freezing my cards, its been past that and i requested proof of tacking issuance of the cashiers check and never got any response but the compliance team saying please be patient. I know they havent closed the account yet because i can still login and see the balance. The compliance team member XXXX just wanted to freeze my card and show his power or authority just because i wanted to speak to a supervisor. He is intentionally freezing my card and restricting me from my limited business funds which i trusted them with, i feel like this is abusing power as authority, I have asked them for tracking number or proof of issuance of check. I have spent hours of my day calling the customer support number and hearing nothing but a background music for hours and hours without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Re : Request for Information on Charged -Off/ Written-Off Account Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX To Whom it May Concern, I am writing regarding the above-referenced account that is reporting on my Experian credit file as a charge-off with a balance written off. I am not disputing the reporting at this time, but I am formally requesting clarification and documentation regarding this account,. 

Please provide me with the following information in compliance with the Fair Credit Reporting Act ( FCRA ) : The date of first delinquency ( DOFD ) on this account, Th date of last payment received.

The date and amount of the charge-off.

Confirmation of a Form 1099-C ( Cancellation of Debt ) Has been issued for the written-off amount, and if so, the Date it was filed with the IRS. 
The current balance being reported, and whether the creditor Intends to pursue collection or considers the debt fully cancelled. 

I respectfully request that this information be provided to me in writing. If you are unable to verify or provide the requested information, please remove or correct the account entry from my Credit file in accordance with the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX. XX/XX/XXXX Last XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Re : Request for Information on Charged -Off/ Written-Off Account Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX To Whom it May Concern, I am writing regarding the above-referenced account that is reporting on my Experian credit file as a charge-off with a balance written off. I am not disputing the reporting at this time, but I am formally requesting clarification and documentation regarding this account,. 

Please provide me with the following information in compliance with the Fair Credit Reporting Act ( FCRA ) : The date of first delinquency ( DOFD ) on this account, Th date of last payment received.

The date and amount of the charge-off.

Confirmation of a Form 1099-C ( Cancellation of Debt ) Has been issued for the written-off amount, and if so, the Date it was filed with the IRS. 
The current balance being reported, and whether the creditor Intends to pursue collection or considers the debt fully cancelled. 

I respectfully request that this information be provided to me in writing. If you are unable to verify or provide the requested information, please remove or correct the account entry from my Credit file in accordance with the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX. XX/XX/XXXX Last XXXX SSN : 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 2025-09-05 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am an independent UBER Driver. 

On XX/XX/XXXX, I submitted an application for a XXXX XXXX loan, to TD Bank XXXX XXXX XXXX. 

The loan was calculated using Forms XXXX. 

The loan was approved for {$9400.00}, using XXXX as the basis for the loan calculation. 

On XX/XX/XXXX, I applied to the lender for " full forgiveness '' {$9400.00} of my XXXX XXXX loan. 

On XX/XX/XXXX, the lender changed and submitted an amount of {$1200.00} to the XXXX for approval. 

On XX/XX/XXXX, the XXXX approved the lenders submitted forgiveness amount of {$1200.00}. 

XXXX acknowledges processing and extending XXXX XXXX loans to borrowers that used forms XXXX 's as a basis to calculate their loan amount until XXXX of XXXX. ( Loan Application accepted XX/XX/XXXX : ) As a result of TD Banks mishandling of my XXXX XXXX loan and loan " forgiveness '' : I am requesting the Lender to be held liable for the " mishandling '' of my XXXX XXXX LOAN and XXXX XXXX LOAN FORGIVENESS ; in the amount of {$8100.00}, in full satisfaction of the loan amount of {$9400.00}. 

Please see supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief