vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is not my account, and it appears on my report in error.This is not my account, and it appears on my report in error.

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 2025-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
Opened a savings account with marcus goldman sachs bank. Deposited money from 1 acount with intent to transfer to new acount & leave part of funds in the savings acount. Transfer denied numerous times. Was told it needs to go to prior account funds originally came from. Tried to close account & move funds that way & was told I was denied again & to make a new account. Tried various different amounts to transfer. I transfer of {$1000.00} to the account I wanted was completed. Attempted again & was denied & told to transfer to the old account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 am writing to dispute the following accounts reported on my credit file by Equifax. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Credit Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payment Accounts : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
Identity thief block and removal Under fair credit act tranunion equifax and XXXX  has not removed fraud account from my credit report and all other credit bureau are removed Some has been removed but not all!!!! 

I have sent police report Ftc report Federal mail fraud report To all 3 credit bureaus Account Discover card {$780.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account. Which are not my XXXX XXXX XXXXXXXX Address I never lived at XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Auto has repeatedly charged me for the same payment three times this month. The first time was on XX/XX/year> with the amount of {$340.00}, which was fine because I set up that payment. Following that I was again charged on the XXXX of the same amount. Confused, I reached out to Ally Auto customer service and they had no answer as to why they charged me again and told me to dispute both charges with my bank. I found that to be odd but I followed the directions. So far, I only received the money back for one of the charges. However, I was once again charged today for absolutely no reason. So again I called customer service and they once again could not help me. I have moved forward with another dispute with my bank and have disconnected my bank account and my debit from Ally and hopefully this will fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: VA

Complaint narrative:
XX/XX/XXXX im send {$1500.00} to XXXX, i did for Ria Money transfer, to receive it in XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 never opened this account and dispute it as fraudulent.

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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
A lawsuit was filed against me by Portfolio Recovery for a debt collection regarding a synchrony bank XXXXXXXX XXXX. XXXX writ of garnishment was filed when there was already a motion granted by the court to stay the case pending the outcome of arbitration. Their lawyer spoke with me on the phone and began to threaten me with having to cover their arbitration fees as once the case went to arbitration. Also, despite the arbitration clause in the original contract stating that whoever brought the claim to court would be responsible for commencing arbitration, the lawyer tried telling me that it was my responsibility to initiate the process. The lawyer also followed up via email reiterating that it was my responsibility to initiate the arbitration. Now, after filing a writ of garnishment, which was erroneously granted by the court, the judge has vacated, the summary judgment and get rid of garnishment that were granted erroneously however, the creditor has still not reached out to the garnishee, which is my employer to let them know that the rate of garnishment was vacated so now they have begun to take money from my paychecks and have failed to let my job know that the writ of garnishment is no longer valid. To me, it appears that they are giving me false information in an attempt to get me to commence the arbitration process when the contract clearly states that whoever brings the case to court is responsible for initiating, if the other parties force arbitration. The plaintiff has sought a summary judgment and rid of garnishment despite the case being stayed for arbitration and now they are taking money from my paycheck illegally. To me, this is a clear indication of improper process in the court system. This is also an instance of harassment and false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX PA XXXX Dear TransUnion, I am writing to inform you that I have never given written consent for you to furnish or obtain my personal information. According to 15 USC 1681B, it is required that a consumer gives written consent before their information can be shared or accessed by a credit bureau. 


Furthermore, I would like to draw your attention to 15 USC 6802, which outlines the obligations of credit bureaus to protect consumers ' information and ensure its accuracy. By obtaining my information without my consent, you are in violation of this law.

In addition, I would like to remind you of 18 U.S. code 1028A, which prohibits the use of false statements or documents to obtain personal information. By obtaining my information without my consent, you are potentially violating this law as well.

I am also aware of the Fair Credit Reporting Act ( FCRA ) laws, which protect consumers ' rights to privacy and accurate credit reporting. By obtaining my information without my consent, you are not upholding the principles of fair and accurate credit reporting as outlined in the FCRA laws.

I demand that you cease any further actions involving my personal information without my explicit written consent. I expect a prompt response confirming that my information will no longer be accessed or shared without my consent. 

Accounts : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. 


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 2025-11-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LOAN DEPOT Servicer Refusal to Recognize Court-Appointed Special Administrator and Authorized Third Parties Blocking Processing of a Court-Approved Short Sale I am submitting this formal complaint regarding a creditor/servicer who is refusing to recognize a legally-appointed Special Administrator, Attorney XXXX XXXX, and the third-party representatives he has lawfully authorized to act on behalf of the estate in a pending real estate transaction.

Under Maine Probate Law ( Title 18-C ), a Special Administrator has full authority to act on behalf of an estate, including authorizing real estate brokers, attorneys, and title agents to obtain payoff information, negotiate, and complete a short sale approved for the benefit of the estate and its heirs.

The creditor/servicer has been provided with : Court appointment order naming Attorney XXXX XXXX as Special Administrator Documentation outlining his authority under Maine probate XXXX Signed third-party authorization executed by XXXX XXXX  authorizing : XXXX XXXX, Designated Broker , Your Real Estate Company XXXX XXXX XXXX XXXX XXXX , Your Real Estate Company Despite these legally valid documents, the servicer refuses to acknowledge the Special Administrators authority and is refusing to process the short sale, including refusal to provide required communication, payoff information, lien confirmation, or documents necessary to complete the transaction.

This refusal : Has no legal basis under Maine probate law Directly obstructs the processing of a court-approved short sale Results in avoidable financial harm to the estate and heirs Violates federal expectations for loss-mitigation cooperation and transparency Creates risk of increased debt, foreclosure, and loss to all parties involved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I received a message that my account was restricted from selling or buying XXXX I checked my email for any explanation nothing so I contacted support on the XXXX of XXXX they keep giving me run around excuses with no answer the customer support is awful they told me I would have a resolution or answer within XXXX week and I do not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: VA

Complaint narrative:
The following accounts are being disputed due to inaccurate information, and I request that they be reviewed and corrected. Any unverifiable information should be removed from my credit report. 

Charged Off Accounts : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX XXXXXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX, XXXX : XX/XX/XXXX XXXX, XXXX : XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-26 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: MI

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-26 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: CA

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by Experian. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Preferred Credit ( XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX  Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXXXXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Inquiries : ( There are no inquiries listed for Experian ) Late Payment Accounts XXXX XXXX XXXX XXXX XXXXXXXX Account Number : 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 2025-11-26 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: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-26 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: AR

Complaint narrative:
The account was fully settled, but it continues to display late payment notations.

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