vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
After numerous phone calls to Weltman, Weinberg and Reese representing XXXX XXXX  XXXX, NA to verify amount and address to send payment, I was told by receptionist she could not give me the address, I left several messages with no return call, I was able to find the only bill I was sent. I sent a cashiers check certified mail on XX/XX/XXXX via certified mail. I received confirmation signature that the check was received on XX/XX/XXXX. I again left a message asking for confirmation email or letter stating this was paid in full with no response. I checked my balance on their on line portal which stated balance was XXXX, I was unable to pay this online it kept giving me the phone number I was calling to speak to a representative that is why I sent cashiers check via certified mail. On XXXX XXXX I was served a civil action suit by a Sheriff from Weltman, Weinberg and Reese representing XXXX XXXX XXXXXXXX for the same debt that was paid weeks ago. It is unclear if this was an oversight or retaliation for my previous complaint. Once again, I left a message on their voicemail that states you will get a call back by XXXX the next business day which does not occur,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
On XX/XX/ 2025 a charge for {$530.00} hit my card. It was a hotel charge made throughXX/XX/XXXX for a XXXX in California. 

XXXXXX/XX/XXXX after the fraudulent transaction posted to my XXXX account, I contacted XXXXThey said I had to contact the hotel so I did via phone.The hotel would not cancel the reservation ( that I never made ) and said XX/XX/XXXX had to do itXX/XX/XXXX refused.Both parties now know it's a fraudulent charge and neither would cancel the reservation. So I opened the case with Goldman Sachs. 

I also requested a new credit card. 

Goldman Sachs investigated, closed the case, and said I had to pay for it. 

The hotel automatically emailed me checkout and breakfast receipts.Somebody stayed at the hotel on this booking under the name XXXX XXXX ( see the attached breakfast receipt and hotel receipt ) and used their own credit card for breakfast ( see XXXX ). I provided the receipts to Goldman Sachs again on XX/XX/XXXX. 

XX/XX/XXXX, Goldman Sachs investigated, closed the case, and said I had to pay for it. 

I opened the case the XXXX time. I asked " What is different this time? Are you just going to decline it again? '' They gave me no answer. 

This is very obviously a fraudulent charge. I provided good documentation that show somebody else 's name on receipts. I asked both companies to cancel the reservation because it was fraudulent. I have had multiple online chats and phone calls with Goldman Sachs. Please help me with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-20 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-10-20 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-10-20 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: NJ

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have noticed collection accounts on my credit report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit report. I am requesting that these accounts be investigated, and if they can not be confirmed as accurate, they must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-10-20 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-10-20 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-20 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:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXXXXXX, CA XXXX Incorrect Name : - XXXX, XXXX, A Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, CA XXXX Incorrect DOB : - XXXX Employer - XXXX XXXX XXXX XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: GA

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-20 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: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-20 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:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
I am filing this complaint because new evidence shows the collection agency violated the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) in connection with a collection account they reported on my credit file. 
In their previous CFPB response dated XX/XX/year>, the collection agency admitted they did not send any written notice of the alleged debt until after reporting it to the credit bureaus. Their exact statement confirms that the first written notice was mailed on XX/XX/year> long after the debt was furnished to the credit bureaus. 
Under 15 U.S.C. 1692g ( a ), a debt collector must send a written validation notice within five days of the initial communication and provide the consumer 30 days to dispute the debt before taking further collection actions. Reporting a debt to credit bureaus is a collection action.

Because the agency never sent any written notice before furnishing the debt, this constitutes a clear violation of the FDCPA. Furnishing information to the credit bureaus without proper validation or written notice also violates 15 U.S.C. 1681s-2 ( a ) under the FCRA.

I have attached the agencys own CFPB response that admits they did not provide written notification until after reporting. This admission confirms that they furnished information to the credit bureaus without complying with federal requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, TX XXXX Employer - XXXX XXXX  Employer - XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX O XXXX XXXX Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX COUNTRY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX  below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX DPT ED/XXXX - XXXX DPT EDXXXX - XXXX DPT ED/AIDV - XXXX DPT ED/AIDV - XXXX DPT ED/AIDV - XXXX DPT ED/AIDV - XXXX DPT ED/AIDV - XXXX DPT EDXXXX - XXXX Listed below are the Collections that are being challenged XXXX 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 XXXXXXXX Listed below are the Inquiries that are being challenged 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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Cash was deposited into atm at my Huntington bank atm it took a large portion of my money gave back a small portion then told me to take my card. The large portion ( {$770.00} ) was kept by the atm and never deposited into my checking account. The ATM never issued a deposit receipt. This is the second time within a year this has happened at this location. The bank rectified the first error but is taking a very long time investigating this one and my bills are bouncing because of their ATM error

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I found XXXX fraud charges on my account. My bank does not offer 24 hour or even weekend customer service, so I had to call Monday morning ( hours are not clear on website ). Once speaking with the representative, they said they could not remove the charges while they were pending and then IF they could that would take 10 business days to resolve, if ever. They said I could opt into overdraft and just take the overdraft fees while it MIGHT be resolved. Why can the y not just remove the pending charges and resolve this in 24 hours like 99 % of banks

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 monetary relief
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
Third Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Re : Inaccurate Reporting Account ending in XXXX I am writing to formally dispute, for the third time, the accuracy of the account ending in XXXX, which your records show as PAID_AND_CLOSED with a 30-day late payment. This information remains inaccurate and unverifiable, and its continued inclusion on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite my prior disputes, Experian has continued to report this late payment, stating that the furnisher has certified the information as accurate. However, under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of disputed informationnot simply accept the furnishers response at face value. To date, no documentation proving the alleged delinquency has been provided to me. Without proper verification or evidence, Experian is legally obligated to delete the disputed information. 
Furthermore, 15 U.S.C. 1681e ( b ) requires Experian to ensure that all information it reports is accurate and complete. Continuing to report unverifiable or incomplete data constitutes a violation of this section. 

I request that Experian : Delete the inaccurate late payment notation associated with this account; Please complete your reinvestigation within the 30 days allowed by law and provide me with written confirmation of your findings.

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 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
Robinhood has restricted my account and is basically holding my money with no clear reason or explanation. Ive reached out to their support team multiple times, and every time they just give me a new case number but no real updates or answers. 

Here are the case numbers Ive been given : Case ID : XXXX Case ID : XXXX Case ID : XXXX On the Robinhood app, the date for when theyre supposed to respond keeps getting pushed back. Ive called several times, spoken to different reps, and even asked to talk to a supervisor but that never happens. They keep promising someone will follow up, and no one ever does. 

At this point, my money is stuck, and I dont know why. The lack of communication and transparency from Robinhood is unacceptable. Im planning to contact my state Attorney Generals office about this too, because I dont think a company should be allowed to treat customers like this. 

Id like Robinhood to : Tell me clearly why my account is restricted Give me a real timeline for fixing it Release my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment notations on my accounts violate 15 USC 1666. I have consistently paid on time, and these errors in reporting are unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am in an active payment agreement and Ive been making payments as agreed. 
Transferring this account to a collection agency while the agreement is in effect violates our payment arrangement and may negatively affect my credit unfairly. 
Please confirm in writing that youll recall this account from collections and correct any credit reporting errors. If not, I will take further legal actions

Company response to consumer: Closed with explanation