vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received a bitcoin transfer to my XXXX as usual. never had any issues. They froze my account and asked for my ID. I submitted that and they have accepted my ID. Now I need my funds. XXXX customer service does not tend to their customers respectfully and in a timely manner. XXXX says to wait for someone to reach out to me on email and it's not working. it has been over 40 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/year> I contacted the issuer of my Amex Macys card to inform them of my current financial situation. I told them that I was having a hardship and was affected by the government shutdown and that anted to know what assistance they could provide me. The website also said if you have been impacted by the government shut down or are experiencing a hardship contact us. The rep that I spoke with informed me that he could assist by setting my account up for a payment plan with the past due amount of {$340.00}. He asked me when can I pay and I informed him that I can begin making payments in XXXX because my new job starts on XX/XX/XXXX and I will be able to resume payments by then. The rep scheduled 3 consecutive payments for the amount of {$110.00} to automatically draft from my banking account. The dates for the payments were XX/XX/year>, XX/XX/year>, and XX/XX/year>. I received a credit alert on XX/XX/year> that my account has been closed. It was marked 90 days past due, closed, and placed in collections. I contact customer service on XX/XX/XXXX and explained this to them, also asking to review the notes from XX/XX/XXXX where I called the rep for help. I also requested to go back and listen to the call because you will hear me explain my financial hardship and the rep assure me that by setting up these payments, my account will remain in open status and I will be fine. I was told by the new rep that once and account is closed it cant be reopened and that they do see the scheduled payments but the information of my hardship did not reach the back office. THIS IS NOT MY FAULT. I was provided false information because my account closed despite the scheduled payments and notice of hardship that I provided which their website instructs to contact them a provide notice. It also sounds like the rep I spoke to on XX/XX/XXXX did not do his job by transferring the proper information to the back office to accurately change the status of my account. Closing my account has dropped my credit score tremendously and I am so disappointed that this happened because I was told by the rep that I would be fine. I would like for this company to reopen my account as it was closed in error because I contacted them and set up scheduled payments to resolve the past due balance.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
On XX/XX/XXXX I received the following email : Account change : Updating your beneficiary 's name to match public records Inbox Marcus by Goldman Sachs XXXX Wed, XX/XX/XXXX, XXXX ( 5 days ago ) to me We're updating your beneficiary 's name Customer since : XX/XX/XXXX Hi XXXX XXXX Well be updating your beneficiary 's name on your account ( s ) to match their name that we confirmed with public records. This change is necessary to comply with FDIC insurance requirements. 

Previous Name : XXXX XXXX XXXX I Updated Name : XXXX XXXX XXXX Please chat with us or give us a call if you have any questions. 



Chat with us or call XXXX XXXX hours a day / 7 days a week marcus.com | Contact Us | Privacy Policy | Security Center | Terms of Use Please don't respond to this email. This mailbox isn't monitored and we don't want to miss your message. 
Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA and Goldman Sachs & Co. LLC, which are subsidiaries of The Goldman Sachs Group , Inc. Deposit products provided by Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX XXXX Member FDIC. 
XXXX Goldman Sachs Bank USA. All rights reserved. 
XXXX XXXX XXXX, XXXX, PA XXXX It is not ok to change my beneficiary from his correct legal name to this incorrect name! I called and discussed this with a rep of the bank and was told that I need to MAIL a copy of his Driver 's Licence to them in XXXX Utah to have it changed back! This is not secure, but I did mail it. 
A copy of his driver 's license is uploaded below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: AZ

Complaint narrative:
I am submitting this complaint regarding inaccurate and harmful credit reporting on my TransUnion credit file. Several charged-off accounts and inquiries are being reported without proper verification, with inconsistent balances, dates, and ownership details. 

The following charged-off accounts are disputed : 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 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 XXXXXX/XX/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 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by landlords for something that i believe should not even be on my record. this has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. 
According to the FDCPA, I'm entitled to compensation for these violations and clearly, the violated my rights and abused my privileges. I demand this account be taken off immediate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 am submitting this complaint regarding several inaccurate and/or unverified items currently reporting on my Experian credit file. I have previously disputed these accounts directly with the credit reporting agency and/or the furnishers, yet they continue to be reported without proper validation or correction. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and fully verifiable. 

Charged-Off Accounts in Dispute ( Experian ) : 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  These accounts are being reported as charged-off despite XXXX balances on several tradelines and without proof that Experian or the furnishers conducted a reasonable investigation. Some accounts appear duplicated or inconsistently reported across bureaus, which further supports my dispute. 

Unauthorized / Unverified Inquiry ( Experian ) : XXXX XXXX XXXX  Inquiry dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I am the current owner of a vehicle titled and registered in New York State. The New York DMV title record shows an active lien from XXXX XXXXXXXX XXXX XXXX 

XXXX XXXX XXXX Bank no longer exists. According to FDIC records, XXXX XXXX XXXX XXXX merged into XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, making XXXX the legal successor responsible for issuing lien releases.

The loan associated with this lien was satisfied prior to my ownership. I possess a faxed copy of a lien release from a prior owner, but New York DMV requires either an original lien release or a successor-issued Letter of No Interest on XXXX letterhead XXXX 

I have made multiple good-faith attempts to contact XXXX XXXX  to obtain a duplicate lien release or Letter of No Interest. All publicly listed lien-release email addresses bounce back as invalid, and I have been unable to reach a department that can process this request. 

Because XXXX is the successor institution, I am requesting that XXXX either : 1. Issue a duplicate original lien release for this VIN, or 2. Issue a Letter of No Interest confirming XXXX has no financial interest in the vehicle. 

The unresolved lien is preventing issuance of a clear New York title despite the obligation having been satisfied decades ago. 

I have attempted to reached out to XXXX 5 times via phone each time navigating through their unresponsive help lines. I have sent countless emails to the public email addresses found online. I have submitted requests via their website messaging system but still no avail. I was able to reach someone 3 months ago and they provided me with a case number and was told I would receive an update within 3 business days. It has been 3 months, I have tried to contact them again but can not get through to anyone. Even after being on hold for 1-2 hours at a time.

This is absolute negligence and a violation of their responsibilities as a legal successor according to FDIC 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 2025-12-15 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 not the owner of these accounts and request they be deleted within 15 days under the Fair Credit Reporting Act.

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 2025-12-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
I have dispute with Wakefield & Associates they are mentally harassing on my credit report and i am getting wrong impact on my credit report and i am getting high interest on my loans and credit card. And this people are wrongfully using my identity. Whatever collection they are reporting on my social is totally wrong and as i am understanding from calling multiple credit bureaus and and the company it is something related to medical emergency. The thing is i never visited any hospital for treatment and never been to Alabama in my life. Even though this people are reporting collection on me and its a total fraud with me. Nobody is helping out for this. I did emailed them along with police station but they never sent me anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts in Dispute XXXX XXXX XXXX Account 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 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 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

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 2025-12-15 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: NJ

Complaint narrative:
I am asking for assistance for this because it is causing my credit score to decrease. These inquiries were unauthorized, but it was reported on my file. It's from 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 XXXXXX/XX/XXXX. These inquiries were reported on my file without my permission. I did not give consent or handed a written instruction that they could report this kind of information on my file. They have violated FCRA 15 USC 1681b ( 2 ) for reporting an information without permissible purpose. Another violation that they flagged is that they failed to maintain maximum possible accuracy because they reported this kind of information on my file, they have violated FCRA 15 USC 1681e ( b ). These kind of inquiries damaged my credit score and it affected me greatly, because of this my request for housing or credit has been rejected. I demand that these inquiries listed is to be REMOVED from my file and I expect a written confirmation that these inquiries are DELETED and does not show on my next credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future. 

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, owner of XXXX XXXX. My account at Truist bank was closed, and I was informed that the remaining balance would be sent to me by check. However, I have not yet received the check, and it has been XXXX weeks since the account was closed. 

The amount of the check is USD XXXX. This delay is causing me significant problems. For your reference, I am attaching the bank statement that was provided to me at the branch when I requested it, showing the remaining balance.

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