vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fairway Capital Recovery, LLC
State: NJ

Complaint narrative:
A balance of {$3000.00} was reported to the credit bureaus by Fairway Capital Recovery after it was transferred from XXXX XXXX XXXX ( a sorority I attended at XXXX XXXX  ). I have never received a full itemized bill that clearly explains how this amount was calculated. When I disputed the debt with Fairway, they sent a " validation packet '' only containing past email communications between myself and XXXX XXXX XXXX and various documents listing different amounts owed. There is no clear breakdown of the {$3000.00} reported. I have attached the validation packet to this document to further demonstrate the lack clarity around how the reported balance was calculated. 

Prior to the transfer, I paid a {$200.00} housing deposit to XXXX XXXX XXXX.There were no damages to the room, yet the deposit was withheld due to my " financial standing '' with the chapter. I requested that the {$200.00} deposit be applied to the debt, and was told in writing that it would be applied at a later date. However, after the debt was sent to collections, I received no written confirmation explaining what happened to the deposit, whether it was ever applied to the balance or simply retained by the chapter. I was never issued a refund or check for the deposit. I am concerned that the full {$3000.00} was reported without deducting this amount. There is nothing in the lease agreement I signed that permits them to withhold my security deposit under these circumstances. Their refusal to return the deposit appears arbitrary and retaliatory. 

On XX/XX/year>, months after the debt had already been transferred and the report was posted to my credit, I was contacted by XXXX XXXX XXXX, who identified herself as XXXX XXXX XXXX finance advisor. She told me her contact at Fairway informed her that my debt had been reported to the credit bureaus and is listed on my report. This raised serious concerns for me as I was under the impression that once a debt is transferred or sold to collections, the original creditor no longer has access to credit reporting updates or influence over the case. XXXX continued involvement, especially referencing information about my credit file and urging me to make a " reasonable offer '' to fairway feels like a clear overstep and a potential privacy violation. 

I feel that this situation has been mishandled, and the communication between the original creditor and the collection agency may be violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have a collection on my report that is from XXXX XXXX that has the wrong spelling of my first name and last name. I tried to go online and use the account number they mailed to me. It says there is no account for that name.

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 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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 am concerned about several unauthorized credit inquiries that have appeared on my credit report. I never gave permission for these parties to access my credit 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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
On XX/XX/year> I paid off my account -last 4 of card GM Card XXXX. 
I paid {$2800.00} entire balance owed. I closed the account XX/XX/year> on XX/XX/year> I was charged {$36.00} plus a late fee of {$29.00} for additional fees. 
On XX/XX/XXXX I was credited {$25.00} for excessive interest fees. 

On XX/XX/XXXX I was charged {$41.00} late fee and interest fees. 
On XX/XX/XXXX GM stated on all three credit reporting agencies that I was delinquent {$80.00} and stated I was 30 days late on no charges and a paid off and closed credit card GM card account. 

on XX/XX/year> I was called and was told I had to pay {$40.00} or face XXXX time. 
I paid the {$40.00} out of fear of GM ruining my credit. 
On XX/XX/year> my credit reports states delinquent and my credit score dropped from XXXX to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
I have made multiple attempts to cancel my gym membership ( with XXXX XXXX XXXX XXXX ) via the XXXX XXXXXXXX XXXX XXXX and by email. I sent a cancellation request on XX/XX/XXXX, and also attempted to cancel through the app, which directed me to XXXX XXXX customer care when cancellation failed. Despite these efforts and the fact that I have not used the facility in over three months, XXXX XXXX has continued to send collection emails and make collection calls, even after I disputed the debt in writing. 

I requested debt validation under the FDCPA, but XXXX has continued its attempts to collect. I am receiving emails, late notices, and collection calls with voicemail on XX/XX/XXXX, XXXX, XXXX, and XXXX, XXXX, despite having no valid obligation and submitting proof of cancellation attempts. 

I am requesting immediate intervention to stop these improper collection attempts and confirm that my account is closed and no debt is owed. 

I have attached a PDF summary of my cancellation attempts and timeline of collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to urgently request executive review and immediate action regarding a {$5000.00} personal check that U.S. Bank placed on a XXXX hold, leaving us with {$12.00} in our account and no access to funds for critical living expenses. There was also absolutely no notification that the check was even on hold. And after the check was deposited electronically a couple hours later, we received an email that said, It was accepted and will be available in XXXX business day that was not the case, the screenshots are attached. 

We are XXXX  year customers and have deposited checks from this same issuer before including XXXX just last week with no hold applied. We deposit checks frequently via mobile for our business, and we have no history of overdrafts or returned items. Yet this time, we were told there is no way to override the hold and that no escalation team exists.

Weve spoken to two different branch managers, the customer service line, and other representatives all of whom denied the existence of escalation options such as XXXX, risk, or XXXX review. The only help offered was to file a complaint with a XXXX wait for any possible resolution while we are left with XXXX money to pay rent, buy food, or cover bills. 

This is not a procedural issue this is a human hardship that U.S. Bank is actively worsening. XXXX 100 % of a check without release of even a portion during urgent financial need is excessive and punitive. 

We also are extremely confused why were not notified of the hold and were instead notified that the check was approved and accepted. Why was there a hold after that email? Why were we lied to? And what in the world is going on?

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 2025-07-26 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: ID

Complaint narrative:
I dont recognize the address and I want it removed from my credit report XXXXXXXX XXXX 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
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
Attempted in-person return ( XX/XX/XXXX ) within XXXX hrs of purchase ( XX/XX/XXXX ) amount of {$5500.00}. Also texted the merchant 's customer service. XXXX provided by the store XXXX on XX/XX/XXXX. Waited until XX/XX/XXXX to follow-up again with the return procedures and shipping info. The merchant sent me runaround with no information given and finally falsely claimed I passed the XXXX return window. Goldman Sachs Bank USA, XXXX XXXX XXXX Branch ( aka Apple card ) closed my dispute. 
I informed the bank false statement that merchant has provided during the process. I drove from XXXX California to XXXX XXXX Nevada specifically to return the merchandise after the bank advised this would resolve the dispute. 
I have photo documentation of the attempted return. The staff kept insisting that only the XXXX could process the return. He was unwilling to provide any documentation of the return. This situation was similar to what occurred on XX/XX/XXXX. 
The {$5500.00} charge from the merchant was for only XXXX item as indicated on the receipt. The photo taken by my fiance on the day of the return clearly shows the item I was holding and returned to the merchant.We also took photos from afar to prove because the staff refused to provide any written documents of the return. The bank requested me to provide the supportive evidence which I did on the same day right after the return. 
I made good faith efforts to work with the dishonest merchant for a return. However the bank used fraudulent information provided by the merchant and ignored all the evidence I submitted during the dispute process. 
The bank did not reach out to me to provide any details. Instead, I remained proactively to communicate and request records of what was going on. I finally received the merchant 's response from the bank on XX/XX/XXXX dated on XX/XX/XXXX. The dispute was reopened XXXX more times after the initial filing. I spoke with several managers and supervisors who supposed to respond to and able to resolve the dispute, but all of them failed to do so and simply passed my case on to someone else. The bank used the same script messages for all of my disputes except the initial XXXX on XX/XX/XXXX. I noticed there are some other complaints on this website and the customer were receiving the same script messages. 
I have retained all communication records with the bank, which show their misleading actions and failure to deliver promised results. Now the merchant has the merchandise back to their possession, but yet the bank still putting the burden on me to provide more evidence and hold me financially responsible for it. I was referred to CFPB for a regulatory complaint and possibly seeking legal action for the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
I have disputed with Cash App a missing refund they claim the issue on a transaction from XX/XX/year>. Cash App has confirmed their initial refund failed, however their alleged initiation of such refund has yet to be fulfilled. My bank is not able to find such a refund anywhere in their system. I have repeatedly asked for the XXXX number in order to trace the refund back to my debit card, where they claim the transaction was sent. Cash App refuses to provide this information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: MD

Complaint narrative:
I opened my account with Netspend, or XXXX, around XX/XX/XXXX of XXXX. I had a direct deposit post to that account on XX/XX/XXXX. I also had my debit card activated. There is a {$200.00} bonus offer to be deposited into the account within 5 days with these requirements being met. I have reached out to customer service and received multiple different stories, from the promotion not existing, to only being {$40.00}, to saying it will take longer than XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.

Complaint narrative:
I have been unable to access my credit report from Experian for over XXXX months. When I try to view it, I receive a message saying they can not display it due to a mismatch in personal information. 

I have attempted to resolve this directly with Experian, including submitting identification documents and a written request. Despite this, the issue has not been corrected and I am still denied access to my credit file. 

This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate and compel Experian to update my personal information, allow me access to my credit report, and ensure the data is accurate and complete.

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 2025-07-26 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: FL

Complaint narrative:
I no recognize this inquirie in my credit report XXXX XXXX XXXX, XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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

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 2025-07-25 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: MD

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately on the following Account : XXXX Account number : XXXX Date Opened : XX/XX/XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The consumer reporting agencies need to report all information with COMPLETE accuracy. I am requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I am demanding these payments be updated to " paid on time '' immediately. Attached are a copy of my government-issued ID, Social Security Card, and Passport.

Thank you for your immediate attention to this matter. I look forward to your prompt action and response.

Company response to consumer: Closed with non-monetary relief