vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX Re : Dispute of Incorrect Credit Reporting and Notice of Securitization : Dear XXXXXXXX XXXX XXXXXXXX, I am writing to formally dispute and address the incorrect reporting of the above-referenced account to the credit bureaus. According to my records, this account was charged off ; however, I have noticed that a balance continues to be reported as due, which constitutes a violation of applicable laws, including recent case law in the United States. 

Under federal and state fair credit reporting laws, any reporting of a charged-off account that still shows a balance due is inaccurate and misleading. Specifically, the misreporting of this account adversely impacts my credit score unjustly, and I contend that the continued reporting of an outstanding balance after a charge-off constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and relevant case law, such as the US Supreme Court rulings affirming the importance of truthful and complete credit reporting.

Furthermore, I wish to bring to your attention the securitization of debts, which complicates the traditional ownership and reporting processes. If this account has been securitized or transferred through third parties, proper documentation must be provided to establish your authority to report this debt. Any failure to do so violates my rights and the accuracy standards mandated by the FCRA. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Climb Credit Inc.
State: WA

Complaint narrative:
This is my second complaint against XXXX XXXX regarding a private student loan account that was fraudulently opened in my name without my knowledge or consent. 

The loan is connected to XXXX XXXX, which turned out to be a fake, scam school. I never enrolled in or attended any program with XXXX XXXX and did not authorize this loan. 

I have already contacted XXXX XXXX and XXXX XXXX multiple times. Both parties continue to blame each other instead of resolving the issue. XXXX XXXX has refused to issue a prompt refund, claiming it takes over 90 days, which is unacceptable. Meanwhile, XXXX XXXX has kept this fraudulent loan on my credit report, damaging my credit score and causing me significant emotional and financial stress. 

I have filed a police report for identity theft, which has been approved, and I have also submitted an Identity Theft Report to the Federal Trade Commission ( FTC ). Despite providing XXXX XXXX with these official reports, they have failed to remove the fraudulent account or take the necessary steps to protect me as a consumer and a victim of identity theft. 

I am demanding immediate action : Remove this fraudulent loan account from my credit report entirely. 

Ensure a full refund of any funds associated with this fake school and fraudulent loan. 

Cease all collection activity and any negative credit reporting related to this loan. 

Provide clear written confirmation that this matter has been resolved. 

XXXX XXXX continued failure to act is unacceptable. I expect this matter to be resolved urgently and permanently.

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: TX

Complaint narrative:
I am writing to request your help in investigating these accounts due to inaccurate reporting on my credit profile. In line with XXXX XXXX, I am formally requesting their removal within the next XXXX  days. I have enclosed the relevant documents for your evaluation. Inconsistencies and inaccuracies in the account details are present across the major credit reporting agencies.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 non-monetary relief
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: OH

Complaint narrative:
On XX/XX/year> I reviewed my credit report and noticed fraudulent I requested an investigation after filing a FTC report. On XX/XX/year> Equifax reviewed my complaint and still did not resolve the issue. On XX/XX/year> I reviewed and noticed these accounts still on my report. I am requesiting an immediate reinvestigation and request Proof of verification. How is it possible to verify an account when I am a victim a fraud. Please delete these accounts from my credit report. I have attached the accounts on the FTC report.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$990.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am formally disputing the following inquiries listed on my credit report ( s ). I did not authorize these inquiries, nor did I initiate any applications for credit with these companies. They are causing harm to my credit profile and were made without my knowledge or consent.

Please remove these unauthorized inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), Removal of any inquiries that can not be verified with evidence of my authorization.

A copy of the results of your investigation.

A free updated credit report showing the deletions.

Thank you for your prompt attention to this matter.

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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I am writing to file a formal complaint against Sentry Recovery regarding an alleged debt that I do not owe. Sentry Recovery has reported this account to the credit bureaus and has attempted to collect on this alleged debt without providing proper validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Under the FDCPA, 15 U.S. Code 1692g, I have the right to request validation of any debt that a collector claims I owe. I exercised that right and requested validation of the debt in writing. However, Sentry Recovery has failed to provide sufficient proof that the debt is valid, that I am legally obligated to pay it, or that they have the authority to collect it. Despite this, they continue to pursue collection efforts and have reported the debt to the credit bureaus, which constitutes inaccurate and unverified reporting under FCRA, 15 U.S. Code 1681s-2.

This has caused harm to my credit standing and emotional distress, and I request that the CFPB investigate Sentry Recoverys practices and require them to immediately : Cease all collection activity on the disputed account, Remove any negative reporting from all credit bureaus, Provide documented validation of the debt if they intend to continue collection.

I am requesting your assistance to ensure that my rights under federal law are enforced and to prevent further harm caused by this unlawful collection attempt.

Thank you for your time and attention to this matter.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous communication regarding the negligence observed in the handling of my credit report. As per the Fair Credit Reporting Act, specifically under section 605B, I request a comprehensive investigation into the items listed on my credit report that have raised concerns due to inaccuracies. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$680000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MicroBilt / PRBC (formerly CL Verify)
State: OH

Complaint narrative:
I viewed a copy of my consumer report and noticed some fraudulent account. Please investigate and delete these accounts from my report as it affect my ability to obtain credit. I have attached a copy of a FTC report as long as my identifications.

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 — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Between XXXX XXXX XXXX  I initiated multiple ACH transfers totaling approximately {$10000.00} USD from XXXX XXXXXXXX XXXX accounts into my Coinbase account. These funds were used to purchase XXXX and were initially subject to Coinbases standard 67 day hold. However, without any advance notice, the funds were placed on extended holdsnow scheduled for release between XX/XX/year>. 

I submitted identity verification documents, which were accepted and validated by Coinbase. My external banks confirmed that all XXXX transfers were fully settled and completed. Despite this, Coinbase extended the fund holds with no explanation. Additionally, my ability to withdraw the resulting XXXX was restricted until XX/XX/XXXX, again with no notification or stated cause. 

This began as a XXXX money transfer and is now impacting both access to XXXX and XXXX withdrawal capability, with no transparency or appeal process. 

On XX/XX/year>, I called Coinbase support to ask why my funds were still on hold. I was told that my account had been permanently restricted from initiating XXXX transfers, but the support agent refused to provide any reason, would not escalate the matter to a supervisor, and stated that no appeal process exists. The agent did agree to add a note to my internal complaint stating that I intend to escalate the matter and pursue legal or regulatory action. 

I then submitted a formal complaint via Coinbases internal process and received an automated response stating that a reply may take up to XXXX business days. Given that my funds are inaccessible, the restrictions were imposed without notice, and Coinbase refuses to provide any justification or escalation process, I am filing this complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I respectfully submit this formal complaint regarding American Express and its handling of my account ending in # XXXX. 

The issue began when American Expresswithout proper explanationlowered my credit limit in violation of a prior agreement. That agreement was made after I reduced my credit card balance as requested, with the understanding that no further restrictions would be placed on my account and I could resume using the card. However, within days of fulfilling my part, American Express imposed new usage limits. 

Their conduct raises serious concerns under several key federal consumer protection laws, including : Unfair and Deceptive Practices : Advertising benefits ( e.g., streaming credits ) that were later denied without explanation, and failure to respond adequately to valid customer complaints. 
Fair Credit Billing Act ( FCBA ) : Charging or threatening to charge interest and penalty fees while the account was under formal dispute.

Truth in Lending Act ( TILA ) : Providing vague, misleading, and incomplete justifications for credit limit reductions and adverse changes.

Fair Credit Reporting Act ( FCRA ) : Creating a risk of inaccurate reporting through unsupported characterizations of my payment behavior and account status.

The attachments ( AF ) provide a detailed timeline, legal analysis, rebuttals to American Expresss claims, proof of payment history, and a breakdown of damageswhich I currently estimate at over {$6000.00}.

Despite initiating direct complaints and the ADR process, I received no substantive response for months. Only after issuing a formal breach notice did American Express contact me to propose a settlement. Their offer, however, required repayment in just XXXX months. When I requested a reasonable extension to XXXX months due to seasonal income factors, they rejected it without explanation. 

Importantly, American Express has never addressed several of my central concerns and appears to have employed a strategy of delay, opacity, and procedural obstruction. Even if their justification for lowering the credit limit were accepted ( which I dispute ), the unresolved issuessuch as denial of advertised benefits and threats of interest charges during a disputeremain independent violations. 

I respectfully ask the CFPB to investigate whether these behaviors represent broader patterns of non-compliance and unfair treatment, particularly against customers engaged in legitimate dispute resolution processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally request detailed account information regarding an account that appears on my credit report and/or is currently being serviced by your agency. 

Account Information : Current Creditor / Debt Collector : Cavalry Portfolio Services Original Creditor : XXXX XXXX Account Number ( Last Four Digits ) : XXXX Balance Reported : {$560.00} Date Opened ( per credit report ) : XX/XX/XXXX Status : Collection Account Credit Bureau Reporting Agency : XXXX  ( and possibly others ) This request is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 609 ( a ) ( 1 ) and Section 611 ( a ).

I am requesting the following specific information regarding the reporting and handling of this account : 1. The date of first delinquency on the original XXXX XXXX  account 2. The date of the last payment made on this account 3. The date the account was charged off, if applicable 4. The date the account was placed for collection 5. The date the account was first reported to the credit bureau 6. Copies of any documents used to verify, service, or report this debt Please respond to this request in writing only. I do not consent to receiving responses by phone or email. This request is made for documentation and verification purposes, and I ask that all responses be mailed to the address listed above.

If no such documentation can be provided, I respectfully request the removal or correction of any inaccurate or unverifiable information per FCRA 611 ( a ).

Thank you for your time and cooperation in this matter. 

Sincerely, XXXX XXXX Last 4 digits of SSN : XXXX Date of Birth : [ XX/XX/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 — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
I am writing to formally dispute an item appearing on my credit report in connection with your company, referenced under Dispute Number XXXX. According to my records, this account is either inaccurately reported or should no longer appear on my credit profile.

Specifically : I dispute the validity or status of the account you are reporting. These remarks have been detrimental to my life and credit health.

The account is listed as closed, and I am requesting verification of this status and the reason for the closure. As I was promised the account would be removed completely.

If this account was sent to collections in error or has been resolved, I request that it be updated to reflect paid, resolved, or removed entirely, depending on the circumstances.

As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this dispute and correct or remove any inaccurate, outdated, or unverifiable information from my credit file. Please provide documentation validating the account and your authority to report it.

Please complete your investigation within the time allowed by law and provide written confirmation of the results. I would appreciate a prompt and fair resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: AL

Complaint narrative:
MRS BPO is attempting to collect a XXXX XXXX account but has failed to disclose any balance in 6 emails and has not provided proper validation of the debt. I also requested that they stop contacting me, but I continued to receive unwanted emails and texts in violation of FDCPA 806 and the Telephone Consumer Protection Act ( TCPA, 47 USC 227 ). They are one of two agencies attempting to collect the same debt, which is misleading and unlawful.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief