vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
XX/XX/XXXX- initiated a transfer from my Marcus savings to another external savings account. Transfer was denied. Then tried to send money back to the original funding accounts, again the transfer was denied. Then eventually they locked my account and are actively denying access to my money. This is rising to a criminal level. They will not provide any explanation or evidence as to why transfers were not completed nor will they provide any reason or evidence as to why access is denied to my account. This all took place between XX/XX/XXXX and XX/XX/year>. When asked to speak with legal department they say they can not transfer me there. They would not allow me to speak with any actual person who could provide the information I am requesting. I was actually told account has been placed on hold by the backoffice I then ask can I speak with someone there so I can have a reason why the response is no the back office doesnt deal with customers. What kind of Bank is this where they lock accounts and dent access to funds. Supposedly I will have access on Monday XX/XX/XXXX. But I am filing a complaint now in hopes that I can actually get my funds on Monday. After that I guess the only option is to seek legal representation. Stay far away from Marcus for anyone that is reading this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MI

Complaint narrative:
I am contacting you to dispute certain information in my credit report associated with the account listed as XXXX XXXX XXXX. After reviewing the details, Ive identified inconsistencies that I believe require investigation and correction. 

Account in Question : Creditor Name : XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX : {$500.00} Utilization Rate : 89 % Reported Delinquency : 30 days past due ( XX/XX/XXXX ) Last Updated : XX/XX/XXXX While I understand a single late payment was reported, the overall account shows regular on-time payments, including recent months. I believe this account may be unfairly affecting my credit standing, particularly if it is misrepresented or outdated. Additionally, I do not recall consenting to its continued reporting in this manner, which may raise compliance issues under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AR

Complaint narrative:
I found a questionable transaction from coinbase, which I do use. However this transaction I did not authorize, Im under the assumption that the support staff misinterpreted my statement and disputed every coinbase transaction on my account, now coinbase is claiming that they returned the {$1900.00} worth of transactions to my account. When I questioned XXXX about this they claimed there are no such deposits, however Coinbase is adamant and can potentially provide proof that they sent the transactions back. And XXXX is steadfast in that they did not return such transactions. Im stuck between a rock and two corporate bureaucracies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Tn XXXX XXXX XX/XX/XXXX SSN # XXXX Santander Consumer USA Account # XXXX I requested the verification, disclosure for this the company still have not provide to me this company has been reporting account since XXXX the state of Tennessee has a reporting requirements of 6 years of reporting this account is unverifiable and invalid. The company had 15 days under Fair Credit Reporting Act ( FCRA ) from the date they receive the dispute furnishing inaccurate unverifiable accounts is consider fraud. violate 1U.S.C.1681 s-2 ( a ) ( 3 ) violates 15 U.S.C. 1681e ( b ) follow reasonable to assure maximum possible of Accuracy this account is violates 15 u.s.c.1692e ( 8 ) Misleading information about this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Fairway Independent Mortgage Corporation
State: IA

Complaint narrative:
I was approached on XXXX by someone identifying as a licensed mortgage loan officer ( NMLS # XXXX ) affiliated with Fairway Mortgage. She asked me to send my entire credit report via text message or XXXX, which is unsecured. When I refused, she harassed me, using abusive language. I have her license number, screenshots of the entire conversation, and her XXXX profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
Let me be absolutely clearthis complaint is valid and demands immediate attention. My credit report contains inaccurate and misleading information that fails to meet the legal standard of maximum possible accuracy. These are not minor errorsthey are actively harming my financial standing and personal well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: TN

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-06-28 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: AL

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 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Last 4 of SSN : XXXX I have been a victim of identity theft and am not responsible for the following accounts ; 1. CAPITAL ONE XXXXXXXX 2. CAPITAL ONE XXXXXXXX 3. CAPITAL ONE XXXXXXXX 4. CAPITAL ONE XXXXXXXX I am demanding deletion of this item from my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. 

Capital One responded that this complaint is from an unauthorized third party when that is not true. I myself am filing this complaint. I called Capital One on five different occasions and told with their customer service representatives and the credit card numbers do not match any of my personal identification such as my date of birth or social security number. This means capital one illegally added someone elses debt to my consumer file. This is fraud. I am demanding the Consumer Financial Protection Bureau to look into Capital Ones business practices. 

Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I didnt authorized of this inquiries from AMERICANS EXPRESS BANK XXXX I did not approve for this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear LVNV Funding LLC, I am writing in response to an account you are reporting to the credit bureaus under your name, allegedly associated with a debt you claim to have purchased from another creditor.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( Section 809 ( b ) ), I am requesting full validation and verification of the debt you claim I owe.

Please provide the following documentation : A copy of the original signed contract or agreement between me and the original creditor The full account number and original creditors name A full itemized statement of charges, interest, payments, and balance history The bill of sale or assignment showing you purchased or were legally assigned the debt Proof that you are licensed to collect debts in my state Confirmation that you have not re-aged the account Until you fully validate the debt, I am requesting that you : Cease all collection activity Cease all credit reporting of this account Mark the account as 'disputed ' with all credit reporting agencies If you are unable to produce this documentation within 30 days, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General 's office, and may pursue legal remedies for continued violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
Ive been using Zelle for quite some time now. In the past I have sent money to the wrong person but there was no safe guard in place that prevented me from selecting the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: SC

Complaint narrative:
On XX/XX/year> a hard inquiry was made to my credit from XXXX XXXX Bank. I have never used XXXX XXXX bank or have never applied for a credit card. I would like the inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
There is incorrect information on my credit report and I have tried to get this resolved unsucessfully

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 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
This is the 2nd complaint for the same issue i retorted previously, see that complaint.

I was a victim of a scam and was misled into transferring {$600.00} through XXXX. I reported the fraud immediately and provided a police report. My bank confirmed no funds were actually sent from my account, and no financial loss occurred. Despite this, XXXX  is still attempting to hold me liable for a {$600.00} balance. 

This is not only unfair but violates basic principles of consumer protection. Collections were temporarily paused, but the account still shows I owe this money, which is inaccurate. Their most recent response deflects the issue, citing irrelevant login history instead of addressing the fraudulent nature of the transaction and the fact that no money was ever withdrawn. 

I am requesting that XXXX  ( PayPal, Inc. ) XXXX out the balance and allow me to continue using the service. If they continue to ignore this, I ask the CFPB to investigate for failure to properly respond to fraud and unfair collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
A debt collection of {$520.00} showed up on my credit report from XX/XX/year> from Capio Partners showing them as the original creditor. I have never conducted business with this organization. This company is fraudulent and asking for Information in an attempt to commit identity theft. I have XXXX unpaid debt and in good standing with all vendors and clients. Please have this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-06-28 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: Possible Financial Inc
State: FL

Complaint narrative:
I contacted this company about a 30 day notice warning and the company responded back that the account was closed. This is the first instance where this companys incompetence comes to play. Then find out that was for my loan that was closed. I receive another notice and I contact them again and they say its for reoccurring fees plus a transaction. I ask for the transaction details and tell them I have no clue what that transaction is. Instead of providing the Mastercard unauthorized transaction forms required under their agreement. They lie and just say since the transaction posted to them it is valid. Then they proceed to ask for an identity theft form and a police report which is only involved if the owner of the account feels their identity was stolen not that an authorized transaction hit their account. They piled on pork fees without providing notice that they would continually charge. Information that wouldve been needed for someone unaware of fees piling up.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: SC

Complaint narrative:
I am submitting this complaint because there is a fraudulent account being reported on my credit report by XXXX XXXX XXXX. I did not open this account, nor did I authorize anyone else to open it on my behalf. It is the result of identity theft. 
The account was opened on XX/XX/year>, with an outstanding balance of {$1800.00} and is currently reported as a collection/charge-off. I discovered this account while reviewing my TransUnion, Equifax and Experian credit report. I immediately took the proper steps to report the fraud by : Filing a police report for identity theft Notifying XXXX XXXX  in writing of the fraudulent activity Providing supporting documentation including the police report, my government- issued ID, and proof of address Despite submitting all required documentation, XXXX  XXXX has refused to remove the fraudulent account from my credit file and continues to report it as valid. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that the CFPB require XXXX XXXX XXXX to : XXXX. Immediately delete this fraudulent account from all credit bureaus XXXX. Cease any collection activity on this account XXXX. Provide written confirmation that I will not be held responsible for this debt I have attached supporting documentation for your review. This false account is negatively impacting my credit standing and I respectfully request a full investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
I am submitting this complaint because there is a fraudulent account being reported on my credit report by XXXX XXXX XXXX. I did not open this account, nor did I authorize anyone else to open it on my behalf. It is the result of identity theft. 
The account was opened on XX/XX/year>, with an outstanding balance of {$1800.00} and is currently reported as a collection/charge-off. I discovered this account while reviewing my TransUnion, Equifax and Experian credit report. I immediately took the proper steps to report the fraud by : Filing a police report for identity theft Notifying XXXX XXXX  in writing of the fraudulent activity Providing supporting documentation including the police report, my government- issued ID, and proof of address Despite submitting all required documentation, XXXX  XXXX has refused to remove the fraudulent account from my credit file and continues to report it as valid. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that the CFPB require XXXX XXXX XXXX to : XXXX. Immediately delete this fraudulent account from all credit bureaus XXXX. Cease any collection activity on this account XXXX. Provide written confirmation that I will not be held responsible for this debt I have attached supporting documentation for your review. This false account is negatively impacting my credit standing and I respectfully request a full investigation and resolution.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : XXXXXXXX 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