vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: KEYCORP
State: PA

Complaint narrative:
General description of my complaint : XXXX. XXXX - Opened a CD at XXXX XXXX XXXX  And XXXX XXXX for a term of 59 Months and automatically renew at same terms if not withdrawn XXXX. XXXX - XXXX XXXX XXXX  was acquired by XXXX XXXX XXXX XXXX. No communication regarding the CD that matured. 
XXXX. XXXX - XXXX XXXX XXXX XXXX was acquired by Key Bank. 
XXXX. XXXX - I contacted Key Bank regarding my original CD from XXXX XXXX XXXX  and XXXX. They could not find the account. 

I contacted unclaimed property, the FDIC, OCC, the XXXX XXXX XXXX XXXXXXXX, my state rep., and finally the CFPB. 

No one has been able to help me after contacting all of the above listed agencies and bureaus. 

Below is some information I found with the change of banks and times over the past 20 years. I am VERY DISPLEASED with the minimal effort by Key Bank and quick to pass off to another agency when describing my complaint. I lost trust in the banking system. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ORIGINAL Certificate of Deposit - XX/XX/XXXX at XXXX XXXX  # XXXX CREDIT TO ACCOUNT - {$1800.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX or acquired on XX/XX/XXXX without government assistance. 

XXXX, XXXX, XX/XX/XXXX ( XXXX XXXX ) -- XXXX XXXX XXXX XXXX ( XXXX : XXXX ) today completed its previously announced acquisition of XXXX XXXX XXXX, growing the XXXX XXXX XXXX  XXXX XXXX to {$20.00} XXXX in assets, {$14.00} XXXX in deposits and XXXX branches across XXXXXXXX XXXX XXXX and Pennsylvania. 

XXXX XXXX XXXX KeyCorp Closes XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX -- KeyCorp ( XXXX : XXXX ) XXXX today that it has closed its acquisition of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX " XXXX XXXX '' ). Systems and client conversion is expected during the fourth quarter of XXXX, subject to pending regulatory approval by the Office of the Comptroller of the Currency ( " OCC '' ) for the merger of XXXX XXXXXXXX XXXX into KeyBank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Open an experian account because of all SSN leaks. One month later they let someone take control of the account and change the email and phone number on the account and let them open a debit online account through them ( was told by experian over the phone of this info ). They said they couldnt help and would escalate the situation to help. They have told me this 6 times so far over 5 months. The account is still active Ive and I have no control over my own credit. They havent not called back after I have given them all information to prove my identity.

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
On XX/XX/XXXX, I filed a complaint ( XXXX ) because the two-year interest-free financing offer for a furniture purchase made in XX/XX/XXXX was not honored. 
In response to my complaint, Synchrony sent me a letter in which they incorrectly stated that during the call I made to dispute the charges, I had requested a copy of the purchase receipt and they wrote asking for additional information in order to help me. I responded to this via fax on XX/XX/XXXX, but I have not received any further communication from them. 
The situation now is that while I am waiting for this issue to be resolved regarding the interest charged before the end of the XXXX years, I have already paid the full amount of my purchase. The current statement reflects a balance for the disputed interest ( on top of which they are charging interest on the interest ), and this is going to negatively affect my credit***

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 2025-01-29 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Portfolio recovery is stating I owe them a balance. I have no knowledge of this company nor have I ever signed a contract with my signature. This is identity theft

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 2025-01-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer. 

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

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 2025-01-29 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: NY

Complaint narrative:
THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE ( XX/XX/year> ) SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE ( XX/XX/2022 ) SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXX ACCOUNT # 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, Transunion, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, XXXX, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-01-29 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Fraud was alerted on this credit card. Multiple charges were made from starting end of XX/XX/XXXX to month of XX/XX/XXXX. XXXX charges were made that are being determined valid. The credit card company is stating that it is valid because they determined that the card was identified as being in your possession and chip card technology was used, which can not be counterfeited. The dates and amounts are as follows : XX/XX/XXXX XXXX. {$97.00} XX/XX/XXXX XXXX. {$96.00} XX/XX/XXXX XXXX {$96.00} XX/XX/XXXX. XXXX {$95.00} XX/XX/XXXX. XXXX. {$95.00} XX/XX/XXXX. XXXX {$99.00} XX/XX/XXXX. XXXX. {$95.00} XX/XX/XXXX. XXXX. {$94.00} XX/XX/XXXX. XXXX {$95.00} All these charges were made in states other than NJ where I reside in. I can provide bank statement showing a purchases made in NJ on XX/XX/XXXX. On that date the charges were allegedly done in TN. I have a reservation email of charges on XX/XX/XXXX where I was in XXXX XXXX using the XXXX blue card at check out. Along with XXXX XXXX charges showing I was in NJ but the charges on that date allegedly state I was in MA. I also have an XXXX XXXX  showing on XX/XX/XXXX that I was on the NJ XXXX. On XX/XX/XXXX the alleged charges were stated that they were made in Oregon. As we explained to the credit card that these charges are fraud.

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 2025-01-29 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: CITIBANK, N.A.
State: MI

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 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: Lendmark Financial Services
State: TN

Complaint narrative:
LendMark Financial unlawfully obtained a hard inquiry on my XXXX report. I did not fill out any applications and I never ever done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I paid a balance of {$40.00} on my XXXX XXXX XXXX XXXX account on XX/XX/year> using their telephone bill payment line ( due date XX/XX/year> confirmation XXXX. I was never notified until XX/XX/year> that the payment was returned. My banking institution had no record of that payment ever hitting their system. This started a chain of events with me filing a complaint with the XXXX The complaint was resolved in my favor. I received a refund for the applied late charges and fees and my credit rating was reestablished. The account was closed in XX/XX/year>. 
See all attached XXXX  file and documents At some point I started to receive on line statements from XXXX XXXX and honestly didnt pay much attention because the account was closed in XXXX. I was able to retrieve XXXX from XXXX and one from XXXX that show {$0.00} balances Then billing started showing up with $ amounts. I couldnt see where they were generated from because I didnt have an account. When I called back on one of the many harassing calls I was yelled at by a representative that it didnt matter if I had an account. I still owed the money. I ended the call The last statement has increased exponentially I have a medical condition that is being exacerbated by this harassment My credit rating has again dropped because of this See all attached BBB file ached documents

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
I am the sole owner of the email address XXXX. However, I continue to receive emails from Marcus Goldman Sachs regarding a XXXX credit card account belonging to XXXX. Despite multiple attempts to resolve this issue through emails and phone calls, the issue remains uncorrected. 

I have requested that a verification email be sent to my address to confirm my ownership, but this request has been denied. As a result, I receive monthly notifications about XXXX account status, including payment reminders, which should not be sent to me. 

Additionally, I have a XXXX credit card account with your company, and I suspect this error is why I was initially unable to use my XXXX address when setting up my account. Instead, I was forced to create a new email address ( XXXX ) to proceed. 

Please confirm receipt of this message and provide a timeline for resolution. I appreciate your prompt attention to this matter. 

Best regards, XXXX XXXX [ Your Contact Information ] Best regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX SC XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation