vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: MT

Complaint narrative:
I sent a request to Key Bank about fees charged to my account for ATM withdraws that did not happen. A {$30.00} fee for an ATM fee is extremely excessive. 

KeyBank XXXX XXXX XXXX XXXX, XXXX  XXXX KeyBank XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : account # XXXX XXXX KeyBank, Please see attached documents showing the excessive junk fees you have charged me since opening my account. I would like a refund of {$81.00} into my account within one week of the date of this letter. There is no reason to charge a {$30.00} fee, or a {$15.00} fee or any fee over the {$3.00} atm fee. There is not any discloser in any documents given to me when I opened the account stating that you are going to charge {$30.00} for an ATM with drawl. I have not signed anything agreeing to these fees over {$3.00}. Federal law requires you to disclose these fees. 

I would like a refund of these fees, some of which do not even match up to ATM with drawls such as the XX/XX/year> charge for {$12.00} for an ATM fee. There has not been an ATM with drawl. 


Thank you for your attention in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: MD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$3300.00} INQUIRIES : XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
1. In my previous complaints I was very specific about what happened, XXXX transferred my mortgage on XXXX XXXX. 
2 My Forbearance the remainder of my forbearance was paid by ACH to XXXX save on XXXX XXXX XXXX. XXXX reported my mortgage 30 to 90 days late while I was in forbearance. 
4. XXXX reported that I opened a new mortgage with hem, when in fact the same mortgage was just transferred from XXXX to XXXX. 
5. XXXX  fraudulent, unprofessional, deceptive and illegal practices ' have caused great damage to my credit score by dropping it over XXXX points. 
6. Am I the only customer that requested a hurricane XXXX forbearance? 
7. Why me? why the great maltreatment?, why the run around? Is there a greater deed behind it all?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
1. In my previous complaints I was very specific about what happened, XXXX transferred my mortgage on XXXX XXXX. 
2 My Forbearance the remainder of my forbearance was paid by ACH to XXXX save on XXXX XXXX XXXX. XXXX reported my mortgage 30 to 90 days late while I was in forbearance. 
4. XXXX reported that I opened a new mortgage with hem, when in fact the same mortgage was just transferred from XXXX to XXXX. 
5. XXXX  fraudulent, unprofessional, deceptive and illegal practices ' have caused great damage to my credit score by dropping it over XXXX points. 
6. Am I the only customer that requested a hurricane XXXX forbearance? 
7. Why me? why the great maltreatment?, why the run around? Is there a greater deed behind it all?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
1. In my previous complaints I was very specific about what happened, XXXX transferred my mortgage on XXXX XXXX. 
2 My Forbearance the remainder of my forbearance was paid by XXXX to XXXX save on XXXX XXXX XXXX. XXXX reported my mortgage 30 to 90 days late while I was in forbearance. 
4. XXXX reported that I opened a new mortgage with hem, when in fact the same mortgage was just transferred from XXXX to XXXX. 
5. XXXX  fraudulent, unprofessional, deceptive and illegal practices ' have caused great damage to my credit score by dropping it over XXXX points. 
6. Am I the only customer that requested a hurricane XXXX forbearance? 
7. Why me? why the great maltreatment?, why the run around? Is there a greater deed behind it all?

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 2025-03-04 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: CL Holdings LLC
State: PA

Complaint narrative:
Try to validate the debt with a bill of sales or assignments contract and requested 1099c form XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XX/XX/2025 Innovis Consumer Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Immediate Access to My Credit Report Dear Innovis , This letter serves as a formal demand for immediate access to my credit report, as mandated under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Despite multiple attempts to resolve this issue, I have been consistently denied access to my credit report through your online platform, which is a clear violation of my rights under federal law.

The FCRA explicitly requires that consumers be granted access to their credit reports, including one free annual report through XXXX, as well as under specific circumstances such as identity theft, unemployment, or adverse actions based on credit information. Your continued failure to comply with this legal obligation is unacceptable.

As of today, I am officially filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities regarding your failure to provide access to my credit report. I demand that you take immediate action to resolve this matter and grant me full access to my credit report without further delay.

Failure to comply with this demand will leave me with no choice but to pursue all available legal remedies to protect my rights and ensure compliance with the FCRA.

I expect confirmation of this demand and resolution of the issue within 30 days, as required by law. For any additional information, you may contact me in the details provided above. 

Sincerely, XXXX XXXX I should only have one address on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: WA

Complaint narrative:
Debt validation letter sent requesting all information ; an electronic response was provided via CFPB complaint website and closed with NO validation documentation provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Subject : Identity Theft Dispute and Request for Investigation Dear Credit Reporting Agencies, I am writing to formally dispute information on my credit report and request an investigation due to identity theft. I have reason to believe that my personal information has been compromised, leading to fraudulent activity and potentially inaccurate entries on my credit report. 
Evidence of Identity Theft : I recently obtained a consumer report from XXXX XXXX XXXX, a consumer reporting agency, which revealed suspicious activity related to my bank accounts and personal information. Crucially, XXXX XXXX XXXX has already investigated these matters and determined that the accounts and transactions in question were not legitimate. As a result of their investigation and findings of identity theft, they have purged these fraudulent entries from their system. This report shows : * Multiple accounts opened and closed in my name without my knowledge or consent. This includes accounts at various banks, including XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. 
* Inaccurate personal information associated with some accounts. This includes incorrect addresses and phone numbers. 
* Suspicious transactions on my existing account. This includes ACH transactions on my XXXX XXXX account ending in XXXX that I did not authorize. 
Specific Concerns : * XXXX  XXXX # : XXXX, Account # : XXXX : Unauthorized ACH transactions on these dates : XX/XX/year>, XX/XX/year>. 
* Multiple closed accounts at XXXX XXXX  XXXX. and XXXX XXXX opened between XXXX and XX/XX/year>. I did not open these accounts. 
* Closed accounts at XXXX XXXX XXXX XXXX with inaccurate address information. 
Request for Investigation : I request that you conduct a thorough investigation into these discrepancies and take the following actions : * Verify the accuracy of all information on my credit report. 
* Remove any fraudulent accounts or inaccurate information, as XXXX XXXX XXXX has already determined them to be fraudulent. 
* Place a fraud alert on my credit file. 
* Provide me with a copy of my updated credit report after the investigation is complete. 
I have attached a copy of the XXXX XXXX XXXX report as supporting documentation. Please let me know if you require any further information. 
Sincerely, [ Your Signature ] [ Your Typed Name ] Enclosures : Early Warning Services Report

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 2025-03-04 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: NC

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 2025-03-04 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens bank  on XX/XX/25, I did not request a card through them. 
XXXX XXXX XXXX XXXX on XX/XX/25, I did not request a card through them. 
XXXX XXXX XXXX  XXXX XX/XX/25, I did not request a card through them. 
I have frozen my report since these inquiries and have gotten numerous notifications that someone out there is trying to use my information to obtain credit since I have frozen my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX XXXX on XX/XX/year>, I did not request a card through them. 
XXXX XXXX XXXX XXXX on XX/XX/year>, I did not request a card through them. 
Capital One Bank USA XX/XX/year>, I did not request a card through them. 
I have frozen my report since these inquiries and have gotten numerous notifications that someone out there is trying to use my information to obtain credit since I have frozen my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: Experian Information Solutions Inc.
State: FL

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 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 2025-03-04 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: NC

Complaint narrative:
XXXX XXXX non-adverse, non-belligerent, non-combative party, secured creditor with power of attorney general and executive on behalf of XXXX XXXX estate is in the possession of your recent voluntary submission of evidentiary documents. In order to verify this XXXX debt, the secured creditor is requesting the following ; Account manager must herein provide a true and certified copy of the complete audit trail of said account. In order for the debt to be validated, please provide verification through your organizations audit certifications of debt entry in accordance with g, a.a.p.. i.f.r.s., in accordance with Basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your organizations Tax Registration certificate. An account summary on its own does not provide sufficient verification of debt.

Failure to substantiate the claim, please settle the account within the next 10 business days.

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 2025-03-04 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: CA

Complaint narrative:
I am listing XXXX inquiries fraudulent from my Transunion Credit Report. XXXX  XXXX XXXX XX/XX/XXXX. Capital XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.

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 2025-03-04 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: DC

Complaint narrative:
In XX/XX/XXXX, I filed two CFPB complaints. One against XXXX ( # XXXX ) for lying about provision of Internet service and for claiming that I owed money on an account I had closed. The second was against the collection agency, XXXX XXXX XXXX, that they referred their debt to ( # XXXX ). In their response to that complaint, XXXX XXXX XXXX acknowledged that this claim was disputed. 

I recently applied for an increase in credit and was denied because of a reported " serious delinquency '' on my credit report, based on a letter I received from my credit card company on XX/XX/XXXX. According to the TransUnion website, the collection agency reported their claim to credit agencies even though they have no proof that their debt was validharming 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 non-monetary relief
Consumer complaint received 2025-03-04 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
This complaint is being brought against a debt collection agency called Columbia Debt Recovery. This complaint is a direct message and complaint to prompt the attention of CDR. The issue I am having with CDR is its failure to report complete and accurate information. I meticulously disputed XXXX items of information through XXXX, a consumer reporting agency on or about XXXX and in or around XX/XX/year> with an attached dispute letter and a consumer report showing highlighted items of information that needed attention. These disputes involved the disputing of the 'collections ' tradeline open date, date of last payment, and balance. The dispute reinvestigations were completed on or about XXXX and XXXX, but the result for the disputed items of information was " Remains '' indicating no changes were made to the inaccurate and incomplete items on the account. This outcome highlights a lack of reasonable investigation pursuant to 1681s-2b under the FCRA, where there is a 5-step procedural process when furnishers of information receive notice of disputes. In accordance with 1681i ( a ) ( 1 ) ( A ) under the FCRA, I needed only to 1. Notify the CRAs 2. dispute a specific item of information 3. Submit that item of information along with any supportive documentation. These steps trigger 1681s-2b ( FCRA ). Considering that the process was commenced twice and both investigation outcomes came back as " Remains '' highlights a failure to conduct a reasonable investigation that was " willful '' in nature. These failures violate 1681s-2b in which there is a private right of action to enforce under civil liability per 1681n for willful noncompliance under the FCRA. Columbia Debt Recovery is in violation of the Fair Credit Reporting Act which by default puts it in violation of the Fair Debt Collection Practices Act under 1692e and 1692f.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Equifax, This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting.

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