vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-25 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: EQUIFAX, INC.
State: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Heavner, Beyers & Mihlar LLC
State: IL

Complaint narrative:
The law firm purporting to represent XXXX XXXX  is violating FDCPA, numerous state statutes, and committing fraud upon the court. The company they claim owns some alleged account tells us differently, they never claimed to own this account. Further the electronic records they utilize for their amounts due and owing is allegedly taken from an electronic records company whom the Plaintiff does not even work with and has no business or affiliation or relationship with the Plaintiff at all whatsoever. 

The electronic database corporation wasnt founded until XXXX, XXXX years after the alleged records would have been initiated. 

No entity ever provided me anything and my name has been forged on some false, manufactured documents which this law firm is utilizing to collect upon a legally insufficient claim, as the lack of consideration, fraud and misrepresentations and fatally broken chain of title will make it easier to sue them in federal court for numerous federal violations, tort claims, and civil rights violations. 

They had no well founded belief that they could collect on the fraudulent, counterfeit discharged claim and yet they have used their process servers to harass, stalk, trespass, violate our privacy and intrude on our seclusion, they have published false light which has slandered our title and caused us reputational harm and embarrassment, filed a lis pendens with no right, interest, title or judgment and claim to have a mortgage when they do not, our construction loan was paid off by XXXX over XXXX years ago and once we quiet title to our land and custom built property, we will be pursuing damages against this debt collection law firm who has no problem manufacturing documents, fudging numbers and falsely claiming something they absolutely know to be false, dishonest, immoral and intentionally deceptive in order to fake sell something they never held any interest in to begin with. We will be bringing everything done in the dark into the light. They shouldnt be allowed to get away with this, its a systematic, interstate, racket utilizing the United States Post Office and encompasses numerous entities and individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX BANK SS # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX BANK SS # XXXX - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I opened a Savings account with OpenBank Santander and transferred {$12000.00}. Shortly after I needed to extract {$10000.00} to take care of a business account, at which point OpenBank Santander blocked my Account. 

After calling the bank and verifying it was me they told me that it would probably be unblocked in a few weeks. I asked to speak to a manager and they told me that it would take 3-5 business days to speak to a manager.

I went online and found an Executive Branch Phone number and spoke with them, I asked them to unblock the account and they told me that it can take up to 45 days to complete the review of my account before being able to help me. I asked for an email showing all this information and they said they can't send me anything until the review is complete. 

I need to extract these funds and I believe my funds are being unethically held for the banks monetary gain.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I received notification for XXXX credit card with my current credit score by Credit Karma where I had excellent to outstanding approval from various credit cards. I applied and was denied. I wouldn't even applied if I never had a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my Equifax credit report. These accounts have been incorrectly reported as charged off. Please investigate and correct the inaccuracies as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Experian Information Solutions Inc.
State: MI

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. Code 1681i ) 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 ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP
State: CA

Complaint narrative:
Subject : Violation of Regulation E - Failure to Investigate Unauthorized Transfer - KeyBank Narrative : I am filing this complaint against KeyBank regarding their failure to investigate and resolve a clear instance of account fraud, in violation of the Electronic Fund Transfer Act ( Regulation E ). 

On XXXX, unauthorized transactions totaling {$100000.00} occurred on my Account Number ending in XXXX. I immediately notified KeyBank on XXXX via phone/email. 

Despite my prompt notification, KeyBank has failed to uphold its obligations under federal law : XXXX. Failure to Provide Provisional Credit : Under Regulation E ( 12 CFR 1005.11 ), if an investigation can not be completed within 10 business days, the financial institution is required to provisionally credit the consumer 's account for the amount of the alleged error. It has now been 76 days, and I have received neither a resolution nor a provisional credit. 

XXXX. Lack of Communication : I have attempted to follow up by an FBI agent, follow-up emails on XX/XX/year>, and phone call on calls in XXXX and XXXX, and the last call on XX/XX/year>, but the bank has ceased meaningful communication and has provided no written explanation of their findings or the status of the investigation. 

I have provided all the requested documentation, including Police report XXXX, yet the funds remain missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/year> Account Number : XXXX Account Balance : {$410.00} I am writing to dispute the above-referenced debt, as permitted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I request validation of this debt, as I do not recognize it or believe it is not mine.

Specifically, I request that you provide : 1. Proof of the original contract or agreement.

2. A detailed account statement showing all charges and payments.

3. Evidence of your right to collect this debt.

I also request that you : 1. Cease all collection activities until you provide the requested validation.

2. Notify the credit reporting agencies to remove this account from my credit report, if it has been reported. 

If you fail to comply with this request, I will consider it a violation of the FDCPA and will take all necessary actions to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CARD Corporation
State: CA

Complaint narrative:
{$250.00} dollars twice it got charged from card supposed to get wire transfer to say card holder on the XXXX never received and neither refunded back from the Card. Company but every time was disconnected on rudely answer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. Below, I have outlined the specific items I am contesting with each credit bureau. These items XXXX be incorrect, incomplete, or improperly reported, and I request that a thorough investigation be conducted to resolve these discrepancies. 

CHARGED OFF : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-25 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: OH

Complaint narrative:
I am disputing the late payments reported on my federal student loan serviced by XXXX. These late payments were the result of servicing errors and misinformation, not my actions. I submitted a hardship request related to a natural disaster, and XXXX failed to inform me of the correct deadlines and requirements. The information I received from XXXX representatives was inconsistent and changed multiple times, even on recorded calls. 

Because of this misinformation, my account was placed into delinquency and late payments were reportedeven though I was actively communicating with the servicer and attempting to follow their instructions. These lates are the result of improper servicing, not missed payments. I have already escalated this issue to the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX for misinformation. 

I am requesting a review of XXXX handling of my hardship request and the accuracy of the late payments reported during this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Climb Credit Inc.
State: TX

Complaint narrative:
I enrolled in XXXX XXXX in XXXX of XXXX, got a loan from Climb Credit in the amount of XXXX at 18 % interested for tuition. The program offered mentorship, feedback, assignments and lifetime access to the resources, among other things. But the academy closed down and ceased operations at the end of XX/XX/XXXX. The XXXX sent out an announcement stating such. On XX/XX/XXXX i sent a email to Climb to formally request the dissolution of the loan associated with XXXX. I stated in the email that since the educational services weren't available anymore i believe it was appropriate to request for the loan to be forgiven or dissolved. I provided the announcement sent out by the CEO in the e-mail to Climb. They in returned sent a reply of " Climb can not process a refund until XXXX sends back those tuition funds. We can process a refund only after XXXX initiates it through our portal and remits the tuition funds. The final decision of whether to refund rests with XXXX, but well move quickly to apply any school-submitted refund to your loan. '' XXXX told me to reach out to XXXX to request a refund from them " We encourage you to email XXXX to request a refund in writing and send any communication regarding refunds promises to Climb. You can reach out to Devslopes at XXXX. '' I called and sent up a pymt arrangement of XXXX on the XXXX of XXXX for the next 3 months so that my credit is not affected during these times, but I continued receiving emails that my account was past due, so I emailed on XX/XX/XXXX, XXXX along with Climb on the issue and XXXX email is now shut down. I got an e-mail after that from Climb with the same response for me to reach out to XXXX for them to pay back the funds for them to dissolve the loan. I called today XX/XX/XXXX to speak to a mgr or supervisor to see why my account was still past due. First the rep told me the my account was showing past due because the XXXX pymt arranged i made needs to get approved by the Climb operations team. Than i asked why did you guys already took it out of my bank account if it wasn't technically approved by them yet. She said it should be but hasn't yet. So i asked to be transferred to a supervisor and or XXXX. She said at first there wasn't there, when i questioned that, she said there was no one there to help they were all busy and it wouldn't help because they will tell me the same thing she did. I stated that this involves a closed provider i need to speak to someone higher than her, she didn't allow me to speak anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : 1. CHARGE OFF CAN NOT CARRY A BALANCE - DATES OF LAST ACTIVITY DON'T MATCH THE DATES OF OPENING THE ACCOUNT DO NOT MATCH LVNV FUNDING Account Number : XXXX DELETE FROM MY CREDIT REPORT I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : XXXX. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING XXXX. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE. 

XXXX. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL. 



FURTHERMORE I WILL ALSO NEED : XXXX. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE XXXX. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE XXXX. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD XXXX. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY XXXX AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 

WITHOUT PREJUDICE XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company response to consumer: Closed with explanation