vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: CO

Complaint narrative:
I live in a XXXX XXXX XXXX, and Keybank, represented by XXXX XXXX XXXX, came to try and reel in some new clients here. I and several other inmates signed up, thinking that we would receive a {$300.00} bonus for direct depositing our paychecks. I have been getting my paychecks from my job at XXXX of Colorado faithfully direct deposited into my savings account for 3 months, looking forward to my {$300.00} bonus, which will help me with my medical bills. 

But, XXXX XXXX never told us that we would have to deposit our paychecks into a checking, not a savings account. I have 3 witnesses who will swear that she never went into detail about the offer. It appears that Keybank is preying on unsuspecting, naive inmates just released from XXXX XXXX, to enroll as new clients. XXXX XXXX 's presentation lasted about 5 minutes, followed by us giving her our information. It was very hard to reach her for questions after the sign up. 

After 3 months, I sent XXXX XXXX an email, wondering if I was getting my {$300.00} bonus. She responded, to my surprise, with a no, saying I had to have deposited the funds into my checking, not my savings. I had chosen my savings, feeling it was more secure, although later it ended up getting hacked, and I had to reopen a new account. 

I asked XXXX XXXX politely if I could please speak to her XXXX, XXXX XXXX, but after several recorded calls and emails, XXXX XXXX refuses to speak with me, and XXXX XXXX refuses to answer my emails, requesting to speak with XXXX ( attached ). This was a very underhanded, rushed, poorly described process. Also, I have XXXX XXXX XXXX, and asked XXXX XXXX to slow down in her presentation, but she did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : 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 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 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 explanation
Consumer complaint received 2025-08-29 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 disputing the reporting status of certain charge-off accounts listed on my credit report as Profit and Loss Write-Off or Charge-Off. No IRS Form 1099-C has been issued for these accounts, indicating that the debts have not been officially forgiven or cancelled. According to IRS regulations, creditors must issue a Form 1099-C for cancelled debts of {$600.00} or more to both the consumer and the IRS.

The continued negative reporting of these accounts without proper documentation or collection activity is misleading and damaging to my credit standing. I am requesting the removal of the following charge-off accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$21000.00} * * XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$16000.00} * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I am disputing the reporting status of certain charge-off accounts listed on my credit report as Profit and Loss Write-Off or Charge-Off. No IRS Form 1099-C has been issued for these accounts, indicating that the debts have not been officially forgiven or cancelled. According to IRS regulations, creditors must issue a Form 1099-C for cancelled debts of {$600.00} or more to both the consumer and the IRS.

The continued negative reporting of these accounts without proper documentation or collection activity is misleading and damaging to my credit standing. I am requesting the removal of the following charge-off accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$21000.00} * * XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$16000.00} * *

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-29 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: CA

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The following accounts in question are : XXXX  XXXX XXXX XXXX Late Dates XXXX. XXXX & XXXX XXXX XXXX Late Dates XXXX XXXX to XXXX XXXX ; XXXX. XXXX to XXXX. XXXX. These late payment notations are thedirect result of the furnishers internal reporting errors. I never failed to make timely payments on these account. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable.

Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
hello my name is XXXX XXXX who resides at XXXX XXXX XXXX XXXX Ny XXXX and I haVe wrote This report because OF TWO unauthorized credit inquiries that has hit my credit report and hurt my score and profile. i did not give consent or provide my signature for these and i was alerted via TransUnion app. this is totally wrong please i need this removed from my credit report as soon as possible. I have tried to contact Transunion with no luck for resolution of this. They fail to connect me to manager to rectify this and investigate for removal. I need 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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
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. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX SOLAR - Incorrect Personal XXXXXXXX XXXX XXXXXXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect XXXX XXXX has violated my rights XXXX 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally dispute a collection account that is currently being reported on my credit report and request that it be investigated for validation. I believe this account is being reported in error and should not be listed on my credit report. The details of the account are as follows : Collection account name : XXXX XXXX XXXX Collection account # XXXX I have reviewed my credit reports and have determined that this account is inaccurate or not mine. Specifically, I am disputing the legitimacy of the debt and its reporting on my credit profile. I am requesting that the Consumer Financial Protection Bureau assist me in ensuring the following : 1. Validation of the Debt : I request that the creditor/collection agency provide full documentation and proof that this debt is mine and that the reported balance is accurate.

2. Investigation of the Reporting : If the creditor or collection agency fails to validate the debt, I ask that the CFPB investigate whether this debt should be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Please find a copy of my credit report showing the disputed collection account attached, along with any other relevant documents that may support my claim.

I would appreciate your timely response and assistance in resolving this issue. If you require any further information or documentation from me, please do not hesitate to contact me at the phone number or email address listed above.

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 2025-08-29 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: CA

Complaint narrative:
I am submitting this complaint because my Equifax credit report contains multiple inaccurate, unverifiable, and potentially fraudulent entries that are severely damaging my credit profile. I have reviewed my credit file and found several accounts and entries that I do not recognize, and for which I have not been provided any verification or documentation. 

The XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with a high balance of {$8300.00} and opened on XX/XX/XXXX, is listed as a charge-off, yet I have never received any documentation proving that this account belongs to me or that the balance reported is accurate. Similarly, the XXXX XXXX account number XXXX, with a reported high balance of {$31000.00} opened on XX/XX/XXXX, is reported as charged off without any verification. I have not signed any agreements or received statements that confirm these debts are mine. Reporting these charge-offs without proper verification is misleading and harmful. 

There are also multiple XXXX  accounts reporting late payments, including account number XXXX with balances and open dates of XX/XX/XXXX ( {$3500.00} ), XX/XX/XXXX ( {$3500.00} ), XX/XX/XXXX ( {$5500.00} ), and XX/XX/XXXX ( {$4300.00} ). I have not received any notices of delinquency or proof of these late payments. Reporting unverifiable late payments is unfair and damaging, and it violates federal law. 

Finally, there is a collection account from XXXX XXXX, account number XXXX, with a reported balance of {$180.00} opened on XX/XX/XXXX. I have no knowledge of this account, was never notified of this debt, and have not been provided documentation proving it belongs to me. Reporting this collection without verification is fraudulent and harmful. 

I request that the Consumer Financial Protection Bureau investigate these issues and hold Equifax accountable for its failure to ensure the accuracy of the information in my credit report. The continued reporting of these unverifiable charge-offs, late payments, and collections is misleading, damaging, and in violation of the Fair Credit Reporting Act. I am requesting that all inaccurate and unverified items be permanently deleted and that Equifax provide proof of compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I am submitting a formal complaint regarding multiple inaccuracies on my credit report that have caused substantial financial, professional, and emotional harm. The entries include incorrect addresses and falsely reported late payments, which violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, mandating that all consumer reporting agencies maintain complete, accurate, and verifiable information. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$0.00}, Date Opened : XX/XX/2021, Late Payment Similarly, this late payment entry is incorrect. Its repeated reporting creates a pattern of false delinquency, misrepresenting my financial responsibility. This inaccuracy exposes me to risks such as higher interest rates, credit denial, and negative perceptions by landlords or employers. The ongoing misreporting also causes undue emotional and mental stress, eroding confidence in the accuracy of my personal financial records. FCRA mandates that unverifiable or false information be corrected immediately.

Action Requested : Immediate correction or deletion of all inaccurate addresses and late payment entries listed above Written confirmation of investigation completion and correction Full update of my credit report to reflect verified, accurate information This letter constitutes my formal CFPB complaint and legal demand for compliance under federal law. Continued negligence, inaction, or failure to correct these errors will result in escalation through all available legal and regulatory channels, including CFPB enforcement and federal court action. Immediate attention and resolution are required.

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Subject : Request for Immediate Removal of Inaccurate Information Under FCRA 623 ( a ) ( 8 ) Dear Early Warnings, I am writing to formally dispute the accuracy of certain information on my credit report as provided by your agency. As a victim of fraud, I believe the listed accounts are inaccurate and not reflective of my credit history. 

The accounts in question are as follows : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX - Principal Loss : {$290.00} According to the Fair Credit Reporting Act, I have the right to request verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately. Please investigate this matter and provide me with a response as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-08-29 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: Paypal Holdings, Inc
State: VA

Complaint narrative:
i have a paypal account for many years i use it to send and recieve money from friends as well as buy crypto. i went to sell crypto purchased through the paypal throughout the years i sent it back to my account and sold. once sold they locked my account without reason saying i broke terms and services. i have not changed bank account or address i provided license and bank statements which have not changed and show transactions going to paypal and going from paypal to same account. paypal gave fauge reason for closing account and holding cash for XXXX after i gave them all financial information which no changes have been made. offered more information if needed to clear whatever caused them to close my account they would not release any reasoning. i have brought and sold from same bank account and acccounts for duration of my time with paypal over 10 years. doing the same action yet those transactions never were flaggged. i have pleaded for for more information so i could provide them more to prove my actions were following previous account activity they refuse to give me a reaon why account was close and funds frozen. i need this money to pay debts due to my governement position. offered more information that requested within 24 hours of notice and recieved no information on why action taken. besides the amount i have done same actions years and my account wasnt warned or tagged. offfered for data to prove yet they decided to close account. bank statements, drivers licence, home address which has not been changed on all documents bank statements show money went into same account it was charged from. i cant even get in contact with a person to fig out what happen its XXXX i need to pay others. due to financial situation in markets i sold out. no one will help. i had account 10+ years all financial statements have same info. i offfered to provide more proof and cant get anyone on phone. i dont mind closing account but i did not exit investments purchased through paypal and returned to same location and same bank to sell as to why this raised a flag. if i knew a flag i would provide more proof but i cant even get in contact with a person.

Company response to consumer: Closed with explanation