vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I am filing this complaint against Goldman Sachs, issuer of the Apple Card, for repeatedly placing a XXXX hold on my available credit due to an internal misclassification of a canceled payment as a reversal even though no payments have been returned or reversed. 

This issue has now occurred XXXX months in a row, causing unnecessary and harmful delays to my available credit despite all payments clearing my bank account without issue. 

Each time, Im told the hold is due to a previous reversal, yet in reality, I had only canceled a payment before it was processed. That is not a reversal. It appears Goldman Sachs system treats canceled, returned, rejected, and reversed payments the same which is factually inaccurate and misleading. 

This month ( again ), I was told I must wait XXXX business days for someone to respond. A case was created ( Case # XXXX ), but I was offered no solution, no reassurance, and no urgency. The supervisor I spoke with via chat refused to escalate the issue by phone or offer any explanation beyond repeating scripted language. 

Most recently, I received a scripted message stating : It looks like your payment amount or frequency may have changed from your usual payment activity. A change in payment activity could cause a delay in reflecting in your available credit. For future reference, payments made with Apple XXXX are usually made available immediately. 

This does not apply to me. My payment behavior has not changed in a way that justifies a XXXX hold, and no valid explanation has been given. The use of generic scripting in response to a clear, documented concern shows a lack of individualized review and a failure to correct an ongoing internal error. 

I am deeply concerned that : This flawed internal classification is being used to justify repeated access denial to cleared credit, I am being penalized monthly for a non-existent reversal, And no one has corrected the root issue in your system. 

This violates my rights under : The Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) by potentially maintaining inaccurate internal records affecting my credit access, The Dodd-Frank Act ( 12 U.S.C. 5531 ) by engaging in unfair, deceptive, and abusive practices ( UDAAP ) especially when repeated with no remedy.

Ive made every attempt to resolve this through your internal support and escalation process, but I have only received dismissive responses, long delays, and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/year>, someone stole my Credit Card details and bought an XXXX at an Apple Store for {$1300.00}.

I submitted multiple disputes and they have all been denied. I have submitted police reports, and done as much " investigating '' i can on my end by visitors the Apple store and calling multiple people for more info.

I keep getting denied by Goldman Sachs ( Apple Credit Card ), saying I do not have evidence to deny the claim. I don't know what to do anymore. I have spent dozens of hours on this matter for no results.

Attached are notes I have taken from phone calls as well as the Police Report ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XXXX XXXX - XXXX XXXX I am unaware of this debt and did not have the opportunity to dispute this account. 
If you believe you sent proper Notification related to XXXX XXXX, please provide 'Certified Mail ' with receipt displaying my signature. 
If not, please delete XXXX XXXX XXXXXXXX soon as possible from my report otherwise I will have to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
RE : [ Portfolio Recovery Associates LLC ], This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. ( PORTFOLIO RC, Account Number : XXXX ) This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

" Estoppel by Silence '' Precedent Definition : " Estoppel by Silence '' is a legal principle that prevents a person from making a claim in court if they previously remained silent, despite having the duty and opportunity to speak, and their inaction caused harm to another party who relied on that silence.

Legal Application : This doctrine applies when someone, knowing that another person is acting under a mistaken assumption, fails to correct the misunderstanding and later tries to benefit from it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In this case, the court ruled that a landlord who remained silent while their tenant planted crops, which would mature after the lease expired, was estopped from denying the tenant the right to harvest those crops after the lease ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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 kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors 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 2025-04-30 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 have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to Investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPB 'S finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I filed a dispute after learning that XXXX was stolen from my account it was used at usps they never asked me any questions they just said please allow 5-7 business days they never requested to police report. I called them every day and asked him if they needed any additional information for me. They told me no and then turned around and denied my dispute stating that a pin was used and no further attempts were made obviously that would be the case if I lost my entire wallet and my other bank accounts were compromised as well worst bank ever! As of today I have reopened the dispute and filed a internal complaint as well as sent them a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
I was made aware that i had been a victim of identity theft. I disputed the accounts but they were verified as mine, so i was forced to file a fraud affidavit and a police report, so the bureaus could follow the fcra and block the accounts within XXXX  days pursuant to 605b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
I was made aware that i had been a victim of identity theft. I disputed the accounts but they were verified as mine, so i was forced to file a fraud affidavit and a police report, so the bureaus could follow the fcra and block the accounts within XXXX  days pursuant to 605b

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-04-30 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: SC

Complaint narrative:
Ford XXXX is reporting wrongfully on my credit on a old XXXX  business truck loan, it was my partners and yes I was a guarantor it was charged off, than after XXXX years all of the suddenly they started reporting as 30-60-90 days late on a charged off account,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Consumer Relations Department, I am writing to formally dispute any negative information that may have been reported to your agency by Bank of America regarding the closure of my personal bank account in XX/XX/year>. 

For over XXXX years, I worked as an independent contractor for XXXX XXXX XXXX XXXX XXXX, receiving regular payments for my services. In XX/XX/year>, I received a routine payment from the company via check, which I deposited into my personal account at Bank of America. The check was processed, the funds were credited, and I used the money for routine expenses. 

Shortly afterward, the company informed me that it had to close its business accounts due to an external credit card fraud incident. As a result, the check I deposited was returned. The company then issued me a new check from its new bank account, which I successfully deposited. 

Despite the legitimacy of the payments and the fact that I acted in good faith, Bank of America closed my personal account and canceled my credit cards, labeling the situation as suspiciouswithout conducting a proper investigation or taking into account the evidence I submitted. This decision has caused serious harm to my financial record and reputation. 

I have documents that serve as evidence to corroborate my version. 

* Letter from Bank of America notifying the account closure * Copy of the original returned check * Letter signed by the owner of XXXX XXXX XXXXXXXX XXXX XXXX explaining the situation in detail * Accounting report from the company showing a consistent payment history over the past XXXX years * Company bank statements reflecting the related transactions * My personal bank statements showing the deposits and related activity

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
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
This is my third complaint. 

For a month, from XX/XX/year> through XX/XX/year> I tried EVERY solution I could think of AND EVERY " solution '' ( ie selfie photo, email etc ), offered by " Coinbase ''. 
NOTHING WORKED! None of Coinbase 's " chatted solutions '' worked, but they insinuated to the CFPB that they had instructed me how to fix the problem. Is this straight DECEPTION, lying to a Government Agency, via Coinbase or IGNORANCE? 
Sure wish there was a SPECIFIC CSR we could go to to get the answer!! 
NO SOLUTION OFFERED BY COINBASE WORKED. 
At one point I " chatted '' to Coinbase - BECAUSE THAT IS A L L THEY OFFER, that if they continue to give me the 'runaround '', I facetiously said that I charge $ XXXX for MY TIME - NO RESPONSE! 
At this point Coinbase would owe me around {$500000.00} for MY TIME alone! 
COINBASE - PLEASE STOP USING " INTERNET SECURITY '' AS AN EXCUSE TO HOLD CLIENTS ACCOUNTS H O S T A G E!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
This student loan was disbursed in the amount of {$12000.00} on XX/XX/year> at a fixed rate of 10.39 %. I feel interest has been miscalculated. I have been making small payments since inception and recently made a large payment of {$10000.00}. I have made a total of {$13000.00} in payments. The first {$5200.00} went to interest and the last {$8400.00} went to principal. The current payoff is {$3600.00}. The last payment of {$10000.00} had {$2100.00} go to interest. The loan agreement states interest is to be calculated daily. Would you please review?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: DSR HOLDINGS GROUP, LLC
State: NJ

Complaint narrative:
I receive multiple text messages per day with vague messages requesting that I contact them or I contact XXXX XXXX to reach out. I dont know what this is in regards to and do not want to be scammed. The texts include the following language : Subject : URGENT Trying to Reach XXXX XXXX XXXX, this is XXXX XXXX with DSR. Im attempting to contact XXXX regarding a time-sensitive matter. If youre in contact with them, please have them reach out to me immediately at XXXX. 

This message is not promotional in nature. Direct contact is required. 

Thank you, XXXX XXXX XXXX XXXX, DSR Text " XXXX '' to Opt Out Subject : Final Attempt Will Proceed Without Contact This is our final outreach concerning XXXX XXXX. XXXX received no response and will now proceed without their participation. 

If you speak to them today, they can still reach me at XXXX. 

XXXX XXXX, General Manager, DSR Subject : Request for Location Information Hello, my name is XXXX XXXX, I hope youre doing well. I am trying to confirm or update location and employment information for XXXX XXXX. If you have any updated details, such as a current address or employer, I would appreciate your assistance. 

If you are able to provide any information, you can reply to this message Subject : Still No Contact Please Forward This Message Weve made multiple attempts to reach XXXX XXXX with no success. This may be our last opportunity to speak before the file is escalated. 

If you're able to pass along a message, please have them call me directly at XXXX today. 

XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation