vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I purchased a gift card of {$500.00} at XXXX XXXX XX/XX/26 in XXXXXXXX XXXX XXXX and activated it at home that day. And XX/XX/26 i attempted to use the card 5 or 6 times and got declined. Then I checked the online website and saw that someone in XXXX XXXX used {$490.00} on XX/XX/26. I sent a dispute to the company and they denied my money back. And I send them another email stating that the attempted purchase on XX/XX/26 was me but {$490.00} transaction was not me. They declined the disputemy money was already used, on a purchase I did not make at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Fidelity Services, LLC
State: KS

Complaint narrative:
Ambulance ride following a car accident where I was rear ended into a flat bed trailer. Fully insured, never received a bill or statement and only knew about it when it appeared on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: TX

Complaint narrative:
I am victim of a data breach and identity theft I am reaching out to request the immediate removal of fraudulent information from my credit report. The accounts and/or inquiries identified in the attached report were the result of identity theft, and I did not authorize or make these charges.

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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX charged {$830.00} to my Apple Card ( issued by Goldman Sachs, XXXX ending XXXX ) for a XXXX XXXX subscription renewal. I did not authorize this charge and immediately disputed it with Goldman Sachs ( XXXX XXXX ). Goldman Sachs issued a temporary credit but later reversed it on XX/XX/year>, ruling against me twice without adequate investigation under Regulation Z. Goldman Sachs failed to conduct a reasonable investigation as required by the Fair Credit Billing Act. Their determination letters did not address the core issue : that XXXX has systematically eliminated every consumer dispute resolution channel, making it impossible for cardholders to resolve billing issues directly with the merchant. XXXX has blocked every dispute resolution channel : 1. Their primary customer service email ( XXXX ) has been decommissioned. On XX/XX/year>, my email returned an auto-response stating the address is " no longer supported. '' 2. Their online Refund Request form returns a system error : " We're unable to complete your request. '' 3. Their AI-powered Help Center chatbot refuses to connect users to human agents. When asked for a live agent, it redirects to a Contact Page that loops back to the same chatbot. 4. There is no functional path to reach a human representative for billing disputes. This pattern violates XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which requires clear cancellation and refund mechanisms. Goldman Sachs bears responsibility under Regulation Z for failing to adequately investigate these circumstances. I am seeking a full refund of {$830.00}. Goldman Sachs XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
In XX/XX/XXXX, I paid my Apple Card balance in full - over {$2800.00} - using proceeds from a real estate sale. The payment included {$2000.00} on XX/XX/XXXX, with additional payments bringing the total to {$2800.00} for the month. Following this payoff, Goldman Sachs reduced my credit limit from approximately {$2000.00} to {$700.00} with no advance notice and no written explanation. I have XXXX ( XXXX ) late payment showing in XX/XX/XXXX due to illness. The following month, XXXX ( XXXX ) payments were made. All other records from the opening of the account in XXXX reflect a positive payment history on this account. I have continued making regular on-time payments since the payoff. I contacted Goldman Sachs to request reconsideration and restoration of my limit, but the reduction was not reversed. The limit decrease directly followed responsible financial behavior - paying off a balance in full - and has significantly increased my reported credit utilization ratio, negatively impacting my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Denefits LLC
State: PA

Complaint narrative:
They were working with XXXX XXXX XXXX XXXX trying to blow up my phone with {$2000.00} they also violated under my rights as a consumer XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX {$2000.00} XX/XX/XXXX XX/XX/XXXX Installment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing inaccurate and/or unverifiable information being reported on my consumer credit report. Several accounts are reporting incorrect balances, inaccurate payment history, delinquency information, and collection activity that I believe has not been properly verified under the Fair Credit Reporting Act ( FCRA ). The disputed accounts include : XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXXXXXX XXXX I previously requested investigation and validation of these accounts. However, the disputed information continues to report despite concerns regarding the accuracy, completeness, and method of verification used. I am requesting that the XXXX XXXX XXXX and furnishers : XXXX a proper reinvestigation pursuant to the FCRA Verify the accuracy of all balances, delinquency dates, payment history, and ownership records Provide the method of verification used Remove any inaccurate, misleading, incomplete, or unverifiable information from my consumer report These reporting inaccuracies are negatively impacting my creditworthiness and financial opportunities. I respectfully request full compliance with federal consumer protection laws and correction or deletion of all inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau to request assistance regarding multiple inaccurate and unverifiable items on my credit reports maintained by Experian , Equifax, and TransUnion. Upon careful review, I discovered that my XXXX XXXX XXXX account is reported inconsistently across the bureaus, showing balances of {$1000.00} with open dates of XX/XX/XXXX, and last activity reported as either XX/XX/XXXX, or XX/XX/XXXX. Additionally, the XXXX XXXX XXXX account appears with a balance of {$460.00}, open date of XX/XX/XXXX, and last activity reported as either XX/XX/XXXX, or XX/XX/XXXX. Further, there are two entries for XXXX XXXX XXXX, XXXX with a balance of {$2400.00} opened on XX/XX/XXXX, and the other with a balance of {$1000.00} opened on XX/XX/XXXX, both showing last activity on XX/XX/XXXX, which appear as duplicate or conflicting records. Finally, the XXXX XXXX account is reported with a balance of {$510000.00}, open date of XX/XX/XXXX, last activity reported as XX/XX/XXXX, or XX/XX/XXXX, and a Late 60 Days notation. These accounts, as reported, do not appear to reflect accurate or fully verifiable information, and I have submitted formal dispute letters to all three bureaus requesting a thorough reinvestigation, verification with furnishers, and correction under the Fair Credit Reporting Act, specifically citing Section 607 ( b ) for maximum possible accuracy, Section 611 ( 15 U.S.C. 1681i ) for reinvestigation, and Section 623 regarding furnisher responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau to request assistance regarding multiple inaccurate and unverifiable items on my credit reports maintained by Experian , Equifax, and TransUnion. Upon careful review, I discovered that my XXXX XXXX XXXX account is reported inconsistently across the bureaus, showing balances of {$1000.00} with open dates of XX/XX/XXXX, and last activity reported as either XX/XX/XXXX, or XX/XX/XXXX. Additionally, the XXXX XXXX XXXX account appears with a balance of {$460.00}, open date of XX/XX/XXXX, and last activity reported as either XX/XX/XXXX, or XX/XX/XXXX. Further, there are two entries for XXXX XXXX XXXX, XXXX with a balance of {$2400.00} opened on XX/XX/XXXX, and the other with a balance of {$1000.00} opened on XX/XX/XXXX, both showing last activity on XX/XX/XXXX, which appear as duplicate or conflicting records. Finally, the XXXX XXXX account is reported with a balance of {$510000.00}, open date of XX/XX/XXXX, last activity reported as XX/XX/XXXX, or XX/XX/XXXX, and a Late 60 Days notation. These accounts, as reported, do not appear to reflect accurate or fully verifiable information, and I have submitted formal dispute letters to all three bureaus requesting a thorough reinvestigation, verification with furnishers, and correction under the Fair Credit Reporting Act, specifically citing Section 607 ( b ) for maximum possible accuracy, Section 611 ( 15 U.S.C. 1681i ) for reinvestigation, and Section 623 regarding furnisher responsibility.

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 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau to request assistance regarding multiple inaccurate and unverifiable items on my credit reports maintained by Experian , Equifax, and TransUnion. Upon careful review, I discovered that my XXXX XXXX XXXX account is reported inconsistently across the bureaus, showing balances of {$1000.00} with open dates of XX/XX/XXXX, and last activity reported as either XX/XX/XXXX, or XX/XX/XXXX. Additionally, the XXXX XXXX XXXX account appears with a balance of {$460.00}, open date of XX/XX/XXXX, and last activity reported as either XX/XX/XXXX, or XX/XX/XXXX. Further, there are two entries for XXXX XXXX XXXX, XXXX with a balance of {$2400.00} opened on XX/XX/XXXX, and the other with a balance of {$1000.00} opened on XX/XX/XXXX, both showing last activity on XX/XX/XXXX, which appear as duplicate or conflicting records. Finally, the XXXX XXXX account is reported with a balance of {$510000.00}, open date of XX/XX/XXXX, last activity reported as XX/XX/XXXX, or XX/XX/XXXX, and a Late 60 Days notation. These accounts, as reported, do not appear to reflect accurate or fully verifiable information, and I have submitted formal dispute letters to all three bureaus requesting a thorough reinvestigation, verification with furnishers, and correction under the Fair Credit Reporting Act, specifically citing Section 607 ( b ) for maximum possible accuracy, Section 611 ( 15 U.S.C. 1681i ) for reinvestigation, and Section 623 regarding furnisher responsibility.

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 2026-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am submitting this complaint regarding Home Depot Credit Services and their reporting of a late payment on my account. I previously submitted a goodwill request explaining that this was an isolated late payment that occurred during a period of temporary hardship. Despite demonstrating that my account is now in good standing with consistent on-time payments since, my request was denied without what appears to be a reasonable review of my circumstances. Under the Fair Credit Reporting Act, furnishers are required to report information accurately and conduct reasonable investigations when disputes or concerns are raised. I believe that my situation was not fairly evaluated, and the continued reporting of this isolated late payment is having a significant negative impact on my ability to secure stable housing and improve my financial standing. I am requesting that Home Depot Credit Services conduct a proper and thorough review of my account history and consider a goodwill adjustment based on my overall positive payment history and current standing. I am not disputing the account itself, but I am requesting fair consideration and resolution of 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 non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
This debt collector has engaged in unjustifiable and harmful practices prohibited under the Fair Debt Collection Practices Act. They reported and furnished an account that I never knowingly agreed to, signed for, or entered into under any lawful contract. A valid legal agreement requires participation and consent from both parties, and I did not participate in or authorize this alleged obligation. Not only has this caused damage to my credit and financial stability, but it has also created emotional stress, embarrassment, XXXX, and hardship in my daily life. Because of this account reporting, I have suffered difficulties trying to maintain housing, obtain credit, and move forward financially. I feel like my rights as a consumer have been ignored and abused. Furthermore, the collector failed to properly validate this alleged debt and did not follow the required validation procedures under the FDCPA. Despite my disputes and concerns, they continued reporting inaccurate and harmful information. According to the FDCPA, I am entitled to protection from these unlawful collection practices and may be entitled to compensation for the violations committed against me. I demand that this account be removed from my credit file immediately and that all collection activity cease unless proper legal validation can be produced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
They placed on my credit that I owed Jefferson Capital Systems LLC XXXX $ yet the phone bill was charged onto my account while I was a minor and XXXX XXXX XXXX XXXX had a police where XXXX and over are legally able to make a account, we called into XXXX XXXX XXXX weeks ago and they didnt remove it or it was reasserted back into my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Possible Financial Inc
State: TX

Complaint narrative:
I took out a loan from Possible Finance after contracting XXXX to pay off medical debt, and after making XXXX of the XXXX payments, I made a verbal agreement with an agent to spread the payments over longer period of time with smaller payments. I didn't see any change and wasn't able to verify that agreement was made when contacting the company again. The company then sold the account to XXXX, and since then I've been contacted by email every XXXX days for multiple years, causing considerable mental turmoil.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: WA

Complaint narrative:
I am completely locked out of my account because I no longer have access to my registered phone number or email address. I do not have my physical debit card or a government-issued photo ID. However, the account remains fully active. I am the legal owner, XXXX, and I am ready to verify my identity using my full SSN, date of birth, legal name, account address, and specific banking/deposit history. Chime 's automated email support is completely unmonitored, and their phone agents refuse to escalate my case to a supervisor for alternative verbal verification ( Knowledge-Based Authentication ). They are effectively trapping my funds without offering a viable path to verify my identity. I request an escalation to Chime 's Executive Office or partner banks ( XXXX XXXX XXXX XXXX XXXX XXXX ) to manually update my contact information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I worked for the XXXX XXXX XXXX in XXXX at the XXXX restaurant during XXXX XXXX outside the XXXX XXXX. I was paid with a check from a staffing agency and the check had no phone number or way of contacting the agency. I deposited my check ( amounting XXXX $ ) in the atm at chase bank under my checking account. I was told my account would be closed due to fraud, I reached out to the hospitality group and they had no way of helping me because their names were not on the check. They also could not provide me any information about the staffing agency, when I told this to the chase bank they assured me that after a year of the account closure and the check being held that it would be returned to the agency. I have yet to be giving any new information of my account closure or where the check went and the hospitality group is denying any responsibility.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-28 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple issues with my account ( XXXX ) with this company. Over a period of time, I have identified several discrepancies, including unauthorized or incorrect charges, billing errors, and/or inaccurate account information. I have made multiple attempts to resolve these issues directly with the company, but the responses have been insufficient, delayed, or have failed to address the problems. In some cases, the issues remain unresolved despite repeated follow-ups. These ongoing problems have caused financial impact and significant inconvenience. I am concerned about the accuracy of my account and the companys handling of my disputes.

Company response to consumer: Closed with non-monetary relief