vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information that Goldman Sachs Bank USA is furnishing regarding my Apple Card account. This letter constitutes a direct dispute under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ), and applicable XXXX XXXX reporting standards XXXX 

Disputed Account Information Creditor : Apple Card XXXX Goldman Sachs Bank USA Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$15000.00} The late payment and delinquency information being reported for this account appears excessive and likely inaccurate. The reporting may violate XXXX XXXX guidelines governing accurate account status reporting, delinquency progression, and payment history continuity. 

Specifically, the number and timing of reported late payments do not appear to accurately reflect the actual payment history of the account. Furnishing inaccurate or unverifiable delinquency data fails to meet XXXX XXXX standards and may constitute a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I formally disputed inaccurate personal identifying information with Experian on XX/XX/year>. I provided clear proof of my legal name, current address, and phone number, which match my Social Security card and drivers license. 

Despite this, Experian continues to report multiple inaccurate name variations, outdated and mixed-format addresses, and phone numbers that do not belong to me. Experian failed to correct or delete this information and did not conduct a reasonable reinvestigation. 

This is a violation of the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 1681i, which require maximum possible accuracy and reasonable reinvestigation after notice of dispute. 

The correct information is Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : ( XXXX ) XXXX This information is incorrect Experian continues XXXX report the following inaccurate personal information : Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Phone Numbers : ( XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: IL

Complaint narrative:
CREDIT CONTROL , LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT CONTROL , LLC 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I was told that I was owed money by the collection agency " Rent Recovery Solutions '' around XXXX on 2025. I moved out of my apartment in XXXX of 2025 and was not sent an email or phone call/voicemail that I owed anything to the rental agency. " XXXX  XXXX XXXX '' sent this debt to the collection agency without giving me an opportunity to dispute the debt or pay it affecting my credit score immediately. I was charged unfairly a whole month of rent, at the time of moving out the Leasing Agent did not make me aware that I would be charged a whole month of rent if I moved out early, she assured me there would be not early move out fee because they had another renter coming in soon. I was also charged hundreds in " Cleaning Fees '' for damages that already existed when I moved into the apartment that I made the leasing agents aware of the day of move in that they did nothing about. I dispute the entirety of this debt, XXXX  XXXX XXXX clearly has a relationship with the debt collection agency that is predatory and I became the victim of their scheme unfortunatly. Now I am having trouble leasing an apartment and I am worried about ever being able to repair my credit. I request the entirety of this debt to be removed my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-16 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: ROBINHOOD MARKETS INC.
State: MN

Complaint narrative:
I signed up for a gym membership in XXXX with XXXX XXXX XXXX XXXX On XX/XX/year>, I made an initial payment of XXXX XXXX  ( approximately {$120.00} USD ) using a different credit card ( XXXX ), which was intended to cover the entire membership fee with no further charges. 
Later, due to the merchants system issues preventing gym access, I provided my Robinhood credit card details to have on file. However, starting around XX/XX/year>, the merchant began making unauthorized monthly charges on the Robinhood card, including a charge of {$67.00} on XX/XX/year>, and additional similar charges thereafter, despite the initial payment being for the full membership. 
I attempted to resolve this directly with the merchant by visiting the gym in person multiple times to request cancellation and stop the charges. My last in-person visit was on XX/XX/year>, between XXXX XXXX CST, where I spoke with front desk staff. I left XXXX on XX/XX/year>, and have been unable to contact them further in person. 
I initiated a dispute with Robinhood for the {$67.00} charge around late XXXX or early XX/XX/year>. On XX/XX/year>, Robinhood requested additional information, including attempts to resolve with the merchant, contact after XX/XX/XXXX, description of services, reason for cancellation, contracts/receipts, and supporting documentation. I responded on XX/XX/year>, explaining the situation, providing a screenshot of the initial confirmation email ( in XXXX ), and requesting to block future charges. 
On XX/XX/year>, Robinhood followed up, asking to resend the document in English and confirm the cancellation contact date. I replied on XX/XX/year>, clarifying the document was the membership confirmation, reiterating the initial payment covered everything, noting the last contact on XX/XX/year>, and again requesting to block the merchant. 
On XX/XX/year>, Robinhood asked again for an explanation of resolution attempts with the merchant. I responded on XX/XX/year>, referencing my prior details about the XX/XX/XXXX in-person visit and multiple prior attempts, noting another unauthorized charge had occurred, and urgently requesting to stop the charges, block the merchant, or change the card number. 
Despite providing the requested information multiple times, Robinhood has not resolved the dispute in my favor, refunded the unauthorized amounts, or taken action to prevent further charges from this merchant. The recurring charges continue, and their repeated requests for the same information have delayed resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX USC XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: MD

Complaint narrative:
The interest rate is so high its like this loan will never be paid off. I did not know the interest rate was over 400 %.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received an unsolicited XXXX XXXX XXXX credit card from XXXX on XX/XX/year>. Called phone number ( XXXX ) on back of credit card at XXXX XXXX XXXX on XX/XX/year>. Had to endure 8 minutes of solicited products, then another 10 minutes before someone answered the phone. This person would not identify themselves and they were hard to understand due to foreign accent. The person demanded personal information and would not allow me to ask questions, such as why they sent me the credit card. Due to the loud noise from others in the background of the call and other questionable issues with the person answering the phone, I ended the call. I have placed a fraud alert with the credit agencies. After running a credit report, I noticed that a " Hard Inquiry '' had taken place by " JPMCB CARD '' on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I purchased a {$200.00} XXXX gift card through XXXX using PayPal. 
The product is unusable due to XXXX platform restrictions. 

The seller repeatedly demanded impossible verification steps that XXXX explicitly refused to provide, which I documented via screenshots and video. 

PayPal closed the dispute in the sellers favor without evaluating fitness for purpose or the impossibility of compliance, deferring entirely to the seller despite extensive evidence. 

I am requesting executive review of PayPals dispute handling and a reversal of the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Savvy Money, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX, when I opened a new savings account, I also checked my credit score. At that time, my score was approximately XXXX, and everything appeared normal. Then on XX/XX/XXXX, I received a notification that my credit score had dropped by about XXXX points. This change was unexpected, and I am unsure what caused such a significant decrease in such a short period of time. I have not made any major financial changes that I am aware of, so I am currently trying to understand what led to this drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: IL

Complaint narrative:
I am submitting this complaint against TransUnion LLC for violations of the Fair Credit Reporting Act ( FCRA ). 
Between XX/XX/year>, three hard inquiries were added to my TransUnion credit report by XXXX XXXX, XXXX XXXX, and XXXX XXXX. These inquiries resulted from an online pre-approval interaction with XXXX XXXX of XXXX, where I was expressly advised that the process would result in a soft inquiry only. 
I did not submit a full credit application and did not authorize any hard credit inquiries by the dealership or by any third-party lenders. 
The above inquiries were added without my consent and without any permissible purpose under 15 U.S.C. 1681b ( a ). I formally disputed these inquiries in writing and requested verification. TransUnion responded on XX/XX/year>, but failed to identify any permissible purpose or provide documented proof of my explicit authorization. 
Despite notice of the dispute, TransUnion continues to report the unauthorized hard inquiries without providing evidence of lawful access or compliance with FCRA requirements. 
XXXX failure to ensure that consumer reports are furnished only for permissible purposes and its continued reporting of unauthorized inquiries constitute negligent noncompliance with FCRA 607 ( b ). I am requesting that TransUnion conduct a lawful reinvestigation pursuant to FCRA 611 ( a ) and immediately delete the unauthorized hard inquiries. 
I am also requesting written confirmation of the corrections made to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: PA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: DE

Complaint narrative:
I submitted a formal credit dispute along with all required identity verification documents, including my government-issued identification, utility bill, Social Security card , and a valid FTC Identity Theft Report. These documents were provided to verify my identity and authorize the dispute. Despite having all required documentation, the credit reporting agency closed my dispute stating that the request did not come from me or an authorized party. No reinvestigation was conducted, and the dispute was dismissed without addressing the accuracy of the information I disputed. Under the Fair Credit Reporting Act, once a consumer submits a dispute with sufficient proof of identity, the credit reporting agency is required to conduct a reasonable reinvestigation. Closing the dispute without doing so constitutes an improper handling of my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NJ

Complaint narrative:
I am writing to dispute the inaccurate reporting of the following charged-off accounts on my credit reports from the credit bureaus listed below. These accounts should be updated or removed, as they do not reflect accurate or complete information. Please review and investigate the following accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/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 explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has held my money for more than three years in a suspense or unclaimed account based solely on a verbal statement. I was never provided written notice, documentation, or a valid legal reason for withholding my funds. I have repeatedly requested the release and reimbursement of my money, but Wells Fargo has refused to provide details and directed me only to an unclaimed property email. I am requesting the immediate release and reimbursement of all funds owed to me, along with a written explanation for why my money was withheld for over three years without proper notice or due process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XXXX XXXX XXXX ( Auto Loan Open, Current ) Accounts : XXXX XXXX XXXX XXXX XXXX Issues : Inconsistent reporting across bureaus, XXXX XXXX compliance, balance discrepancies Furnisher Dispute Letter XXXX XXXX XXXX ( Structure mirrors above but tailored ) Primary Issues Asserted Inconsistent balances across CRAs Inaccurate Date Last Active XXXX XXXX format noncompliance Failure of reasonable investigation ( 15 USC 1681s-2 ( b ) ) Demand : Correction or deletion if records can not be validated with original loan documents and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
ON XX/XX/year> SENT OUT DISPUTE LETTER TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) ASK TO CONDUCT PROPER INVESTIGATION. ( FRE ) RULE 1002 WHICH MANDATES THE PRODUCTION OF ORIGINAL DOCUMENT TO PROVE ITS CONTENTS. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE DEMAND AN UPDATED CREDIT FILE WITH CORRECTED INFORMATION DELETE ALL INQUIRIES, INACCURACIES ADDRESSES ON FILE. COMPANY ALREADY FAILED TO COMPLY WITHIN THE 30 DAYS OF RECEIVING LETTERS. NEXT, I WILL PURSUE ALL AVAILABLE LEGAL REMEDIES

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NV

Complaint narrative:
ON XX/XX/year> SENT OUT DISPUTE LETTER TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) ASK TO CONDUCT PROPER INVESTIGATION. ( FRE ) RULE 1002 WHICH MANDATES THE PRODUCTION OF ORIGINAL DOCUMENT TO PROVE ITS CONTENTS. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE DEMAND AN UPDATED CREDIT FILE WITH CORRECTED INFORMATION DELETE ALL INQUIRIES, INACCURACIES ADDRESSES ON FILE. COMPANY ALREADY FAILED TO COMPLY WITHIN THE 30 DAYS OF RECEIVING LETTERS. NEXT, I WILL PURSUE ALL AVAILABLE LEGAL REMEDIES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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