vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Marcus by goldman sachs was my primary bank for many years and I never had issues with them. All of that changed last week when they thought someone from XXXX XXXX may have been in my account.

They immediately closed all my accounts and wasted my time through nearly 30 calls lasting 20 hours.

They do not seem to keep records of what was happening and none of them are in contact with others.

One representative will do one thing and not let the others know- for example- my accounts were put on hold, new accounts were opened and then I was supposed to have access to my new accounts - not the case. Everything was just put on hold - my credit cards and car payments were not paid. They insisted that a transfer of {$150.00} had to go through but did not let anything else much more important and that are recurring transactions go through.

They did not let my paycheck go through and did not let me know. I had to spend an hour for them to tell me to fill out a form on their website for it. They do not seem to have their process for this down and it has caused me so much stress this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FRAUDULENT INQUIRIES : XXXXXXXX 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 2025-10-28 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 discovered an account reporting on my credit report that I did not open or authorize. I requested verification and validation from the company, asking for a copy of the original signed application, contract, and any supporting documentation linking me to the account. The company failed to provide proof that I created or authorized this account but continues to report it as valid. This is inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that this account be investigated and permanently removed from all credit reports for being unverified and unauthorized.

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 2025-10-28 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: TX

Complaint narrative:
I discovered an account reporting on my credit report that I did not open or authorize. I requested verification and validation from the company, asking for a copy of the original signed application, contract, and any supporting documentation linking me to the account. The company failed to provide proof that I created or authorized this account but continues to report it as valid. This is inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that this account be investigated and permanently removed from all credit reports for being unverified and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NC

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 2025-10-28 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Levy & Associates, LLC
State: TX

Complaint narrative:
Levy and Associates has been extremely difficult to communicate with. They canceled my scheduled appointment without notice and have repeatedly failed to answer or return my calls. When I call their XXXX number, I am kept on hold and then sent to voicemail.

I believe this lack of communication may be intentional, as it prevents clients from resolving time-sensitive matters while additional interest and penalties continue to accumulate. This situation has caused unnecessary stress and financial harm. I request that the CFPB review their practices and require the company to respond and resolve my issue promptly. They have a bank hold on an account that only my wife is using for long time. They froze my wife money. She has her bank account statement with proofs that only her work direct deposits are in this account. I don know wath elses can I do to contact me with Levy and associate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-28 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: EQUIFAX, INC.
State: CA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal complaint regarding inaccurate information that continues to appear on my credit report. I have disputed this account multiple times, but it remains incorrectly reported, showing a clear lack of proper verification and reinvestigation by your bureau.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the maximum possible accuracy of the information they report. Additionally, 15 U.S.C. 1681i mandates that when a consumer disputes any item, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. The continued presence of this inaccurate account shows non-compliance with these legal requirements.

I have acted in good faith by submitting my disputes and providing all necessary information to support my claims. However, the bureaus failure to correct or remove the false data has caused ongoing harm to my credit reputation, financial opportunities, and overall consumer rights. This repeated inaccuracy reflects negligence in maintaining and verifying consumer data.

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 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/XXXX at XXXX and XXXX XXXX, I made two cryptocurrency purchases via the PayPal app for {$1000.00} and {$2000.00} for XXXX and XXXX respectively . At the time, the cryptos were trading on their exchanges for roughly $ XXXX {$100.00} and $ XXXX {$94.00} respectively. For the {$1000.00} XXXX transaction I was charged $ XXXX coin and the {$2000.00} XXXX transaction I was charged $ XXXXXXXX XXXX, neither of these prices include the 1.5 % fee charged by PayPal for the transactions . I had previously and after the fact purchased cryptocurrency on the PayPal app numerous times, and I have always paid approximately 1 % higher than the exchange price, but in this case I paid ~36 % and 4 % higher than the then current exchange prices, and XXXX had not traded for that high of an amount since XX/XX/XXXX. The then current value that I immediately lost on those transactions is approximately {$350.00}, not including any current or future gains that the crypto may have.I reached out to PayPal the same day via phone, explaining the situation and requested that they reimburse me with the additional cryptocurrency that I should have purchased. I was incorrectly, told that the purchases were not finalized, and that after they were I may have the crypto added to my account, which I knew at the time was not correct because the transactions showed verified on my end. I then filed a complaint on their website, providing screenshots of the transactions and the charts of the exchange prices. I received a response that they had not settled in my favor and that the cases were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of certain information in my Experian credit file. This letter serves as official notice under the Fair Credit Reporting Act ( FCRA ).

1. XXXX XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Issue : Your report reflects a 30-day late payment in XX/XX/XXXX. 
Reason : This late payment is inaccurate. Records indicate the payment was submitted timely and credited within the billing cycle.

Action Requested : Please conduct a reasonable reinvestigation and delete the late payment entry pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). If the furnisher can not verify this with proper documentation, it must be removed from my report.

2. Personal Information Errors Please update my file to reflect only my current, correct address and employer : Correct Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX  Remove Outdated/Incorrect Entries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX Mai

ntaining outdated identifying information contributes to mixed-file errors and violates the FCRAs accuracy mandate under 607 ( b ). 3. Data Inconsistencies The following accounts display conflicting information across the three bureaus. I request reinvestigation for accuracy and completeness : XXXX XXXX inconsistent balance and reporting date XXXX  inconsistent date opened and balance XXXX XXXX, XXXX missing or outdated high credit and date last reported Please verify each tradeline in full compliance with 607 ( b ) ( maximum possible accuracy ) and 1681i ( 7 ). Provide the method of verification, including the furnishers name, address, and phone number, as required by 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
These accounts are being reported under my name without my authorization or consent, and I have never opened, managed, or approved any of them. This is completely unacceptable and constitutes the reporting of false and misleading information that damages my credit reputation and financial integrity.

I take my credit profile extremely seriously, and the presence of these unauthorized and fraudulent accounts is deeply concerning. I require immediate clarification as to why these accounts appear on my report and who is responsible for their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal complaint regarding inaccurate information that continues to appear on my credit report. I have disputed this account multiple times, but it remains incorrectly reported, showing a clear lack of proper verification and reinvestigation by your bureau.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the maximum possible accuracy of the information they report. Additionally, 15 U.S.C. 1681i mandates that when a consumer disputes any item, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. The continued presence of this inaccurate account shows non-compliance with these legal requirements.

I have acted in good faith by submitting my disputes and providing all necessary information to support my claims. However, the bureaus failure to correct or remove the false data has caused ongoing harm to my credit reputation, financial opportunities, and overall consumer rights. This repeated inaccuracy reflects negligence in maintaining and verifying consumer data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
Dear CFPB Team, I am formally requesting that my fraud dispute with Chime ( Claim ID # XXXX ) be reopened and re-investigated. I have clear, documented evidence that these transactions were unauthorized and are part of an ongoing identity theft incident.

Summary of the Incident : On the early morning of XX/XX/year>, someone logged into my Chime account around XXXX XXXX and began draining my account through multiple unauthorized transactions totaling approximately {$740.00}. These withdrawals occurred every few minutes throughout the night.

Despite this, Chime took an extended period to review my case, never provided provisional credit, and ultimately denied my dispute without supplying any supporting evidence.

Key Facts Supporting My Case : The same morning of the theft, I received a fraud alert for a {$45.00} transaction, which I immediately reported as unauthorized. This shows Chimes own system recognized fraudulent activity in real time.

Shortly after, I discovered that my remaining balance had been completely drained through a series of fraudulent charges.

About a month prior, a smaller unauthorized withdrawal occurred from a random number. I did not dispute it at the time due to the small amount, but this clearly shows my account had been compromised before the larger theft.

There are major discrepancies between my regular spending patterns and the transactions in question including large withdrawals at XXXX XXXX, which I do not make.

I have never used XXXX XXXX or any merchant associated with XXXX XXXX, the name tied to these fraudulent charges.

My account history shows login activity from XXXX XXXX, while I reside in Georgia.

Actions Taken : I have filed reports with : Local Law Enforcement Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) Internet Crime Complaint Center ( IC3 ) Despite this, Chime has refused to provide the investigation records, IP logs, or merchant correspondence used to justify their denial. They claimed I must wait 10 business days to receive this information a delay that violates Regulation E, which requires timely disclosure of all documentation used in a determination.

Company response to consumer: Closed with monetary relief