vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/XXXX, {$800.00} was from my chime account XX/XX/year> Was transferred out to unknown email several times and I was able unable to login into my account since then I request to close my account by XXXX when I got back from school because I was in a college boarding school I reopen my account this month I file dispute they return some of the funds and the same thing happened they transferred money to an unknown cashapp with a different name from mine I had to change the phone number on my account immediately I filed another dispute have not received anything now I need to pay for books by XXXX of XXXX and some

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I made a deposit of {$3500.00} at the KeyBank ATM located at XXXX XXXX. I have the receipt, and there were no issues during the transaction. The deposit appeared in my account the following day via KeyBanks online system. 
However, on XX/XX/XXXX, the deposit disappeared entirely from both my online account and my actual account balance. I contacted KeyBank and was informed that a processing error occurred in their system around XXXX XXXX  on XX/XX/XXXX, and that this issue affected multiple customersnot just myself. 
Given that KeyBank acknowledged this was a system-wide error and the amount involved is significant, I requested provisional credit to prevent any bounced checks or failed automated payments. I was told that provisional credit could not be issued for 10 days. 
I called again on XX/XX/XXXX, and KeyBank stated they had no updates or information regarding the findings of the dispute I filed. Despite their awareness that the issue originated from their own systems and impacted multiple customers, I again requested provisional credit to cover my expenses. My request was again denied. 
It is unacceptable that KeyBank is withholding client funds when they are fully aware that the issue stems from their internal system failure. Several days have passed, and customersincluding myselfrequire access to the funds we deposited in good faith. 
If KeyBank can not resolve its system failures promptly, it should at minimum issue immediate provisional credit to affected customers, especially when the source of the problem is a confirmed KeyBank system error

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this formal complaint against LVNV Funding LLC for improper and harmful credit reporting practices that violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The debt collector has reported negative information to one or more of the credit bureaus without proper verification and/or without complying with legal requirements. Specifically : The debt collector has reported negative information that I dispute, yet they continue reporting without providing validation or correcting inaccuracies.

I requested debt validation, but the collector failed to provide sufficient documentation proving ownership, accuracy, or the legal right to collect this debt.

Despite the lack of validation, negative information remains on my credit reports, damaging my creditworthiness and causing financial harm.

I believe the collectors actions constitute continued collection activity on an unvalidated debt, as well as furnishing inaccurate or unverified information, both prohibited under federal law.

Under the FDCPA ( 15 U.S.C. 1692g ), a collector must cease collection activities until proper validation is provided. Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers may not report inaccurate or unverified information to credit bureaus.

I am requesting that the CFPB : Investigate the actions of LVNV Funding LLC.

Require the collector to provide proper validation or cease reporting the account.

Ensure the removal of any inaccurate, unverifiable, or improperly reported negative information. 

Take any appropriate enforcement action to prevent future violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: OK

Complaint narrative:
INTENT TO SUE TRANSUNION Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Intent to Sue for FCRA Violations Maximum Punitive Damages Demanded To Whom It May Concern : This letter serves as a formal Intent to Sue TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the following inaccurate and/or unverifiable accounts : XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX. XXXX XXXX ( XXXX XXXX ) Acct # XXXX XXXX XXXX XXXX XXXX Balance {$240.00} XXXX. XXXX  XXXX XXXX Acct # XXXX Balance {$310.00} These accounts contain material inaccuracies, unverifiable data, improper dispute handling, and failure to conduct reasonable reinvestigations. 
Damages You Caused : Loss of my apartment Loss of all personal property inside the apartment Housing denials and homelessness risk Documented financial losses exceeding {$10000.00} Emotional distress and instability Legal Violations : FCRA 1681e ( b ) Failure to assure maximum possible accuracy 1681i ( a ) Failure to reinvestigate properly 1681i ( a ) ( 5 ) Failure to delete unverifiable information DEMANDS : 1. Immediate deletion of the listed accounts 2. Written confirmation by mail XXXX. At least {$10000.00} in actual damages + maximum punitive damages allowed by 1681n ( a ) ( 2 ) Deadline : XX/XX/XXXX. 
If you fail to comply, I will file suit in U.S. District Court seeking actual, statutory, punitive damages, attorneys fees, and injunctive relief. 
Signed, XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ----

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: OK

Complaint narrative:
INTENT TO SUE TRANSUNION Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Intent to Sue for FCRA Violations Maximum Punitive Damages Demanded To Whom It May Concern : This letter serves as a formal Intent to Sue TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the following inaccurate and/or unverifiable accounts : XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX. XXXX XXXX ( XXXX XXXX ) Acct # XXXX XXXX XXXX XXXX XXXX Balance {$240.00} XXXX. XXXX  XXXX XXXX Acct # XXXX Balance {$310.00} These accounts contain material inaccuracies, unverifiable data, improper dispute handling, and failure to conduct reasonable reinvestigations. 
Damages You Caused : Loss of my apartment Loss of all personal property inside the apartment Housing denials and homelessness risk Documented financial losses exceeding {$10000.00} Emotional distress and instability Legal Violations : FCRA 1681e ( b ) Failure to assure maximum possible accuracy 1681i ( a ) Failure to reinvestigate properly 1681i ( a ) ( 5 ) Failure to delete unverifiable information DEMANDS : 1. Immediate deletion of the listed accounts 2. Written confirmation by mail XXXX. At least {$10000.00} in actual damages + maximum punitive damages allowed by 1681n ( a ) ( 2 ) Deadline : XX/XX/XXXX. 
If you fail to comply, I will file suit in U.S. District Court seeking actual, statutory, punitive damages, attorneys fees, and injunctive relief. 
Signed, 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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Product : " Checking or savings account '' Sub-issue : " The company closed my account '' Description of Problem : This new complaint details a severe retaliatory campaign by Wells Fargo that has escalated since I filed my prior CFPB complaints, # XXXX # XXXX and # XXXX. After filing those complaints, Wells Fargo engaged in the following unlawful actions : Retaliatory Account Closure : On XX/XX/year>, Wells Fargo closed my personal and business checking accounts. The stated reason was " compromised, '' which we contend is a pretext for retaliation. Illegal Data Sharing CONFIRMED : On XX/XX/year>, in a formal meeting, an Adult Protective Services ( APS ) agent admitted that Wells Fargo provided our confidential customer phone number to her agency without our consent. This is a clear violation of the Gramm-Leach-Bliley Act ( GLBA ). The agent also confirmed she never received any evidence from Wells Fargo to support their false report. Ongoing Criminal Investigation : The same meeting confirmed that the criminal fraud case regarding the original scam is an active, ongoing investigation with local police. This officially validates that we are crime victims, a fact Wells Fargo ignored. Wells Fargo 's response to my exercise of consumer rights has been a campaign of retaliation, defamation, and privacy law violations, not a good-faith resolution.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report. Please investigate and remove or correct the following accounts : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Dispute Reason : Incorrect status. Incorrect balance. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Incomplete payment history. This company do not own this dept. 

Creditor Name : Portfolio Recovery Associates Account Number : XXXX Dispute Reason : Incomplete Monthly Payment history. 

Creditor Name : Portfolio Recovery Associates Account Number : XXXX Dispute Reason : Incorrect terms. Incomplete monthly payment. 


The above items are incorrect and should not be included in my credit file. I am requesting a reinvestigation of these accounts. If you can not verify their accuracy, I request that they be deleted. Please respond with the results of your investigation and provide an updated copy of my credit report. I have attached any relevant documentation to support my claims. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach.

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: CO

Complaint narrative:
I reported multiple unauthorized transactions totaling {$4400.00} on my XXXX XXXX account ending in XXXX. 

These transactions were used to purchase cryptocurrency through : XXXX XXXX I do NOT have a XXXX account. 
I do NOT have a XXXX account. 
No crypto account these funds went to belongs to me. 

I reported these transactions as fraud. 

Instead of resolving this XXXX XXXXXXXX denied my claim claiming they have a record of me stating the transactions were valid. 

That is FALSE I never said that. 

Someone else fraudulently called XXXX pretending to be me and attempted to validate these charges. 
I reported that immediately. 

XXXX then : Blocked access to my account Marked me as a fraud concern Forced me to complete enhanced identity verification Required me to sign and notarize proof of identity I complied and passed verification Despite that : XXXX ignored my fraud report Ignored the lost card & stolen phone Ignored that the XXXX accounts werent mine Ignored their own fraud controls Ignored my notarized ID verification Wrongly denied the claim This is a failure to comply with Regulation E. 

I have requested : XXXX. A reinvestigation XXXX. Copies of any recordings or notes used XXXX. Proof of this supposed record they claim exists XXXX. Documentation of their investigation process They have not provided any.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
I am submitting this complaint because my credit file is reporting inaccurate late payments regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account ( Balance Owed : {$20000.00} | Date Opened : XX/XX/XXXX | Date of Last Activity : XX/XX/XXXX ) XXXX XXXX and the way the payment history appears on my report does not reflect the true manner in which I have maintained this account. As I reviewed my file, I was alarmed to find multiple late 30-day notations for XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX, which are inconsistent, misleading, and do not match my actual payment history. These entries paint an inaccurate picture of my credit behavior and undermine the fairness and accuracy that Congress emphasized under FCRA 602, while also violating my rights under FCRA 611, which allows me to dispute and request reinvestigation of information that is incomplete or incorrect. Additionally, the furnisher is required under FCRA 623 ( a ) ( 2 ) to ensure that information they report is accurate, updated, and truthful, and under FCRA 623 ( b ) they must conduct a reasonable investigation once notified of a dispute. Despite my efforts to have this corrected through the credit bureau, the inaccurate late notations remain on my TransUnion and Experian file and continue to harm my creditworthiness, making it difficult for lenders to see an accurate representation of my payment responsibility. All I am seeking is for my credit file to reflect the true and accurate history of this account, as these late remarks are not valid and do not represent how the account was handled.

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 2025-11-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Immediate Federal Reinvestigation and Permanent Deletion of All Unverified, Inaccurate, and Derogatory Accounts This dispute is submitted under penalty of perjury pursuant to 28 U.S.C. 1746. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and demanding the immediate deletion of the derogatory tradelines listed below due to inaccurate, incomplete, or unverifiable reporting.

Accounts Requiring Immediate Deletion : 1. XXXX XXXX Derogatory Charge-Off / Collection Balance {$960.00} Unverified reporting, inconsistent payment data, and missing documentation.

2. XXXX XXXX XXXX Derogatory Charge-off / Collection Balance {$1200.00} Unverified reporting, inconsistent payment data, and missing documentation.

3. XXXX XXXX XXXX XXXX Derogatory Charge-off / Balance {$430.00} Unverified reporting, inconsistent payment data, and missing documentation. 
4. XXXX XXXX XXXX XXXX Derogatory Charge-off / Collection Balance {$740.00} Unverified reporting, inconsistent payment data, and missing documentation. 
5. XXXX XXXX XXXX Derogatory Installment Loan Incomplete, inconsistent, and unverified reporting.

Federal Verification Requirements : TransUnion must obtain original-signed applications, complete payment histories, charge-off calculations, assignment documentation, Metro-2 compliance data, and furnishing investigation notes. Legal Authority Supporting Deletion : FCRA 607 ( b ) Maximum possible accuracy FCRA 611 ( a ) Required reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) Unverifiable information MUST be deleted FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate information FCRA 609 ( a ) Right to all verification documentation 28 U.S.C. 1746 Declaration : I, XXXX XXXX XXXX, declare under penalty of perjury that the information contained in this dispute is true and correct, and that the accounts listed are inaccurate, incomplete, or unverifiable. TransUnion is required by federal law to delete them immediately. Respectfully, 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 2025-11-18 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: TX

Complaint narrative:
I am extremely frustrated to see that these inaccurate accounts continue to appear on my credit report, even though they should have been taken off. I am urgently begging for the documents I attached to be checked carefully so I can stop stressing over this once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: MD

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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