vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
I am filing this complaint regarding an unreasonable hold placed by KeyBank on my most recent paycheck of {$1200.00}, which I deposited via mobile check deposit. This deposit was made on XX/XX/XXXX and the bank has placed a hold on the funds until XX/XX/year>, which is a full five business days, preventing me from paying rent by my due date of XX/XX/XXXX and putting me at risk of eviction. 

This is my third paycheck from the same employer, XXXX XXXX XXXX. 
The first ACH paycheck ( around {$1400.00} ) was held temporarily due to initial account setup and address verification.

The second paycheck was an ACH direct deposit for around {$1500.00} on around XXXX XXXX and it cleared immediately with no issues.

This most recent paycheck was a physical check, from the same employer and for a lower amount than both prior deposits.

Despite KeyBank stating online that mobile check deposits are typically available within 23 business daysor immediately for a 2 % fee through their Immediate Funds serviceI was not given either option. I was also told by three customer service agents at Key bank that there was nothing I can do but wait or that only a branch manager could override the hold but it is not guaranteed, but I do not have a local branch, as I opened my account online and work full-time during branch hours. When I contacted the nearest branch they referred me back to customer service, creating a loop with no resolution.

I have no overdraft history, my account is in good standing, and this is a verified paycheck from the same employer Ive previously deposited with. I am urgently requesting that KeyBank be held accountable for providing inaccurate or misleading information on their website and not making it user friendly regarding check hold policies and for refusing to assist me despite this hold causing serious financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
To Whom It May Concern, Subject : Round 2 Dispute Demand to Update Accounts as Paid Never Late Under FCRA Sections 602, 607, 611, and 623 I am writing to formally dispute and request immediate correction of reporting errors concerning the payment history on the following accounts currently appearing on my Experian Equifax and Transunion credit report. Despite successfully resolving this issue with TransUnion and Equifax, Experian has failed to accurately update these accounts in accordance with Metro 2 standards, which mandate consistent, accurate, and complete reporting across all bureaus.

Pursuant to the Fair Credit Reporting Act ( FCRA ), including Sections 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ), I demand that these accounts be updated to reflect an accurate status of Paid Never Late. The accounts in question have never been late, yet derogatory information or coding has been reported in error. Any information that can not be 100 % verified as accurate, complete, and consistent across all bureaus must be corrected or deleted.

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 2025-06-03 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: MD

Complaint narrative:
I am disputing an account reported under my credit file with account number # XXXX, associated with XXXX XXXX. This account is not mine, and despite multiple prior complaints to the company and/or credit bureau XXXX XXXX have received no response or resolution. The account details as of XX/XX/year>, are : Account Status : Closed Payment Status : Current Balance Owed : {$0.00} Payment Amount : {$0.00} XXXX XXXX : Not specifiedI request that this inaccurate information be investigated and removed from my credit report immediately.

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 2025-06-03 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
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 2025-06-03 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: OK

Complaint narrative:
All three major credit reporting agenciesXXXX TransUnion, and XXXX currently reporting late payments on several of my accounts that I dispute as inaccurate and incomplete. The accounts in question are as follows : XXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX  with a late payment reported on XX/XX/XXXX, showing a past due balance of {$0.00} XXXX account ending XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a late payment reported on XX/XX/XXXX, showing a past due balance of {$0.00} XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX with a late payment reported on XX/XX/XXXX, showing both balance and past due amounts as {$0.00} XXXX XXXX XXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX, with a late payment reported on XX/XX/XXXX, showing a past due balance of {$0.00} What strikes me as deeply concerning is that all these reported late payments reflect a {$0.00} past due amount. This raises serious questions about the accuracy and completeness of the reporting. The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to maintain information that is accurate, complete, and verifiable. Reporting a late payment with no outstanding past due balance is misleading and does not reflect the true status of these accounts. Such entries can unjustly damage my creditworthiness and financial reputation.

I have reason to believe that these late payments may have been reported in error or may be a result of outdated or incomplete data furnished to the credit bureaus. Furthermore, given the widespread issues with credit reporting inaccuracies and the risk of data breaches compromising consumer information, it is plausible that these entries have been affected by systemic problems beyond my control. 

Despite my efforts to address these discrepancies, the reports remain unchanged, suggesting that no thorough or reasonable investigation has been conducted to confirm the legitimacy of these late payments.

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 2025-06-03 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: CO

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to find I had been the victim of identify theft I do not recognize this account please remove this from my credit report they are hurting my ability to obtain 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 2025-06-03 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:
I am filing this complaint due to Equifax 's failure to verify and accurately report several derogatory accounts on my credit file. Despite previous disputes and requests for verification pursuant to the Fair Credit Reporting Act ( FCRA ) 611 and 609, Equifax has continued to report the following accounts without producing documentation to substantiate their accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX formal written request to Equifax asking for : A complete reinvestigation report, including internal notes and personnel information. 
Documents or communications received from original creditors. 
A detailed account of procedures used in verification. 
A list of all entities contacted during the reinvestigation. 
Equifax has failed to respond with the required documentation within the statutory XXXX period, violating FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). As a result, they continue to report unverifiable and potentially inaccurate negative information, which adversely affects my creditworthiness.

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 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
These debts do not reflect my financial behavior or history, and I have no knowledge of the accounts in question. I believe that my personal information was obtained and used fraudulently without my consent, leading to the opening of accounts and the accumulation of debt under my name. 

I am currently in the process of working with the appropriate authorities, including credit bureaus and financial institutions, to dispute these accounts and protect my credit. I have also filed reports with the Federal Trade Commission ( FTC ) and may involve law enforcement if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
Dispute of Inaccurate Information under 15 USC 1681c-2 Request to Block Fraudulent Information Due to XXXX XXXX XXXX  Leak Dear Equifax , I am writing to dispute certain information in my credit file that I believe is the result of identity theft, pursuant to 15 USC 1681c-2 of the Fair Credit Reporting Act. I believe this fraudulent activity may be linked to the XXXX XXXX XXXX leak, which compromised sensitive personal information, including names, Social Security numbers, and other identifying details. I request that you block the following items from appearing on my credit report, as they are inaccurate or fraudulent. 

Disputed Information : 1. DEPT OF EDXXXX XXXX XXXX 2. DEPT OF EDXXXX XXXX XXXX 3. DEPT OF EDXXXX XXXX XXXX 4. DEPT OF EDXXXX XXXX XXXX 5. DEPT OF EDXXXX XXXX XXXX 6. DEPT OF EDXXXX XXXX XXXX 7. DEPT OF EDXXXX XXXX XXXX Reason : These accounts are the result of identity theft and was not authorized by me.

Under 15 USC 1681c-2, you are required to block the reporting of any information in my credit file that I identify as resulting from identity theft within four business days of receiving this request, provided I include appropriate documentation. Enclosed, you will find the following supporting documents : Referencing the XXXX XXXX XXXX leak as the potential source of the identity theft. 
Proof of my identity : [ e.g., a copy of my drivers license and Social Security card ]. 
[ Any additional documents, e.g., a copy of a Federal Trade Commission Identity Theft Affidavit ]. 

Please block the above-listed items from my credit report immediately and provide me with a written confirmation that this information has been removed, as required by law. Additionally, please send me an updated copy of my credit report reflecting the removal of the disputed items. I expect a response within the time frame outlined in 15 USC 1681c-2.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a secured loan opened at XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX  a line of credit opened at XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a collection/chargeoff opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another collection/chargeoff opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-03 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: IL

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 1681e ( 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 ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CT

Complaint narrative:
On XX/XX/XXXX I looked at my credit report, and I noticed some inaccuracies. I sent a letter to TransUnion on multiple occasions between XXXX and XXXX asking them to investigate these accounts " 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 There Should Be No Closed Accounts appearing, And XXXX XXXX Account is not closed and is in good standings. 
I sent it certified mail. they sent me their investigation and said those accts are verified and accurate. And according to 15 USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any normation disputed by a consumer, an sem of the normation is lound to be accurate or Incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my RIGHTS. I have no missed payments according to a Judge in Court XX/XX/year>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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX Bank was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

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 2025-06-03 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX {$3100.00}, XXXXXXXX XXXX XXXX  {$0.00}, XXXX XXXX XXXX XXXX {$130.00}, XXXX XXXX XXXX XXXX  {$16000.00}, XXXX XXXX XXXX XXXX {$420.00}, XXXX XXXX XXXX XXXX  {$820.00}, XXXX XXXX XXXX XXXX  {$190.00}, XXXX XXXX {$1600.00}

Company response to consumer: Closed with non-monetary relief