vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally notify Equifax Information Services LLC of several serious issues regarding my credit file and your agencys failure to respond to my repeated efforts to correct these problems. Since XXXX, I have contacted Equifax numerous times to report that the credit file associated with my information is inaccurate and does not reflect my true credit history, and I have been unable to access my credit score in any way. Following the instructions provided by your representatives, I mailed a written dispute to the designated XXXX XXXX  and USPS tracking confirms that it was delivered on XX/XX/XXXX at XXXXXXXX XXXX, where it still appears to be sitting without acknowledgement or action. To date, I have received no communication, no investigation update, and no resolution, despite these actions being required under the Fair Credit Reporting Act. As a result of these ongoing inaccuracies, I was forced to finance a vehicle under incorrect credit conditions and incurred a significantly higher interest rate than I should have been eligible for. I am requesting immediate and thorough investigation into the inaccuracies on my credit file, correction or removal of all information that does not belong to me, immediate access to my accurate credit report and score, and written confirmation outlining the steps taken to resolve these issues. Please consider this my formal notice that if these matters remain unresolved, I will be compelled to seek legal counsel and pursue all available remedies. I expect written confirmation of receipt of this complaint and a timely response as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: OH

Complaint narrative:
I had two wire deposits sent into my keybank business account XX/XX/XXXX and XXXXXXXX XXXX respectively on the XXXX of XXXX I went into keybank branch wire transfer part of the money to my XXXX  account I got a call when I left the branch that my account is restricted I got a letter after two weeks that the issue will be resolved within 30 calendar days its been 33 days Ive got no response from them they couldnt tell me what theyre reviewing the money sent wasnt called back nor was there a court order to restrict my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
In XX/XX/XXXX, XXXX attempted to charge my XXXX XXXX card {$1000.00} for the full balance of the security equipment installed at my current residence. I subsequently received multiple late-payment emails, threats of service disconnection, and collection calls beginning at XXXXXXXX XXXX XXXX XXXX XXXX When I contacted XXXX to understand why my service at XXXX XXXX XXXX XXXX XXXX is interrupted, I was told that the equipment balance was past due and that my monthly service payments were two months behind. 

* * Background * * * In * * XX/XX/XXXXXXXX XXXX XXXX XXXX I moved into a rental property at XXXX XXXX XXXX XXXX XXXX 
* In * * XX/XX/XXXXXXXX XXXX XXXX I purchased and moved into XXXX XXXX XXXX XXXX XXXX 

I notified XXXX of my move and scheduled the transfer of my existing equipment ( XXXX XXXX XXXX XXXX XXXX from the rental to my new home in XX/XX/XXXX. When I vacated the rental around XX/XX/XXXX, I informed XXXX that the equipment could not be removed from the property, it was attached to the structure. 

XXXX advised me to leave the equipment behind and helped me place a new order for installation at my new home. The call was over an hour long because the original equipment at XXXX address was financed through * * XXXX XXXX XXXX XXXX XXXX and I specifically informed XXXX that any new equipment or charges should also be financed through my XXXX  account. XXXX  agreed to finance the new equipment. 

* * Issues With XXXX  Disclosures * * XXXX did * * not * * inform me that : XXXX. I would remain financially responsible for the equipment I was advised to leave behind at the rental property. 
XXXX. I would be taking on a * * second * * equipment contract for entirely new equipment at my new residence. 

Because I followed XXXX instructions to abandon the equipment at the rental property, I should not be held responsible for continuing payments on that equipment. I am still being billed for the original system through XXXX, while also being charged for the new system installed at XXXX address. 

* * Unauthorized Autodialed Calls * * Beginning on * * XX/XX/XXXX * *, XXXX began calling my personal cellphone using an autodialer, which I did not authorize. 

-- - I am no longer able to use the equipment financed by XXXX XXXX  did not finance the existing equipment as we agreed when my account at XXXX was setupXXXX XXXX agreed to dissolve my balance for XXXX when XXXX setup new services at XXXX. I am current with the billing at XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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: MS

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NJ

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: IA

Complaint narrative:
Attached to this complaint is XXXX police reports from the XXXX Police Department that was requested by Experian, 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 2025-11-17 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I first became aware of the issue when I noticed charges on my XXXX XXXX credit card that I did not recognize. After reviewing my account, I confirmed that these transactions were made without my knowledge or consent. I immediately contacted XXXX XXXX to report the fraudulent activity and to request that my card be frozen and replaced. 

I believe my personal information was used by an unknown individual to access or attempt to access my credit account. I did not share my card, PIN, login information, or any authorization that would allow someone to make these charges. I am filing this identity theft report to document what occurred and to assist in resolving the unauthorized transactions. 

I am requesting that XXXX XXXX investigate these fraudulent charges, remove them from my account, and take all necessary steps to ensure the security of my information going forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 and Equifax 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 and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: OH

Complaint narrative:
i happen to look at my credit report and had notice i had some fradulent accounts on my credit report please remove accounts from my report thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
XXXX ) Applied for personal loan on XX/XX/XXXX online XXXX ) Waited for distributions to go into account - XXXX of the XXXX successful - My personal XXXX card did not receive the funds after a week XXXX ) I called XXXX on XX/XX/XXXX after realizing they deposited into my corporate XXXX XXXX instead of my personal XXXX card - Agent said to call XXXX and ask the to reverse the charge ( the agent also communicated to me that the automated system XXXX have tied it to my ss # and grabbed first XXXX XXXX versus what I entered ) XXXX ) Called XXXX on same day ( XX/XX/XXXX ) - they told me an authorized user from my company could only make this claim XXXX ) I contacted my company authorized users and explained XXXX credited my corporate account XXXX ) Authorized person called XXXX, XXXX told them after XXXX business they can't refund the credit. My company had me call XXXX and have them send over another deposit to my corporate XXXX for $ ( negative amount ) to XXXX out the account XXXX ) Called XXXX back - the FINALLY opened a case on XX/XX/XXXX and said they would email me... never got an email XXXX ) Called back again, they said they were looking into it and would send me an email. I asked to speak the the head supervisor, XXXX, who told me he would escalate it XXXX ) Never heard back and called again, supervisor was no longer available. 
XXXX ) Got a random email from " XXXX '' that they were working on it and I would have this resolved on XX/XX/XXXX. - 30 days ( after ) they finally opened a case. 
XXXX ) Emailed XXXX at XXXX on XX/XX/XXXX - she replied today they are still looking into this with XXXX. I pressed how this is impacting my finances. They keep saying thanks for your patience and it's now been over 45 days since my loan was distributed to wrong credit card ( XXXX ) I'm now in a situation where I can't afford the loan and the XXXX XXXX ( since they paid my corporate card, not my own ) and going to hurt my financial - which was XXXX XXXX of the loan- I have the email if this is needed. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
I am filing this complaint against Huntington Bank who has placed an unreasonable and burdensome hold on a check I deposited using mobile deposit and has refused to provide a reasonable solution. The check was endorsed by my wife to me and I deposited it into my XXXX account using your mobile deposit feature. XXXX accepted the deposit, but shortly afterward placed a fraud hold on the funds because my wife is not on the account. However, I did not do anything improper, and the endorsement was valid. The check was deposited on XX/XX/year> for the amount of {$2900.00}. 

After contacting the bank, I was informed that the only way for the funds to be released was for my wife and I to visit a XXXX branch in person to complete an endorsement verification form. I currently live out of state and am unable to travel to Michigan to appear in person. When I requested an alternative option, the bank stated that they would allow a notarized endorsement form, but refused to reimburse me for the notary because they offer notary service for free at their branches. That is not a reasonable solution in my situation, as I can not access a branch because I am in California, not Michigan. 

The supervisor I spoke with on XXXX customer care line was dismissive and unprofessional, repeatedly stating that XXXX would not reimburse the cost of a notary under any circumstances, even though the need for a notary is entirely due to XXXX internal hold and my inability to travel to a branch. I am being denied access to funds that are legally mine, and the bank is refusing to accommodate my circumstances in a fair and reasonable way. 

I am simply trying to comply and resolve this situation properly, but XXXX is offering no reasonable path to do so. I should not be forced to travel out of state or incur out-of-pocket expenses due to a procedure that XXXX imposed after accepting XXXX mobile deposit. The refusal to reimburse notary fees because I could have gone to a branch when they know I am out of state is particularly unfair. 

I am requesting that XXXX provide a reasonable alternative to in-person verification, such as accepting a notarized verification at no cost to me. I also request review of the conduct of the supervisor who handled my call and denied all reasonable accommodation. 

Thank you for your attention to this matter. I would like to resolve this without further delay, but I have been unable to do so with the bank directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Complete Credit Solutions, Inc.
State: NC

Complaint narrative:
I am filing this complaint because a collection account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is appearing on my credit report, and I was never notified, never contacted, and never given any opportunity to settle, dispute, or validate the alleged debt before it was reported. 

I did not receive : Any written notice of the debt Any validation letter Any attempt to contact me by phone or mail Any offer to resolve or settle the account Any explanation of the amount being claimed This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) which requires a debt collector to provide proper written notice within 5 days of first contact ( 15 U.S.C. 1692g ).

Furthermore, the information being reported to Experian, Equifax, and TransUnion is incomplete, inconsistent, and unverifiable. Important information such as the Date of First Delinquency, the account opening date, high balance, payment history, and creditor details is missing or contradicts the other bureaus. This violates the Fair Credit Reporting Act ( FCRA 1681e ( b ) ), which requires credit bureaus and furnishers to maintain maximum possible accuracy. 

I have disputed this account with the credit bureaus, and instead of correcting the inaccuracies, they simply marked it as consumer disputes this account, even though the furnishing party did not provide any documentation or verification. 

I am requesting the CFPB to take action because : I was never notified of this debt. 
I was never given my right to dispute or request validation. 
I was never offered a settlement option. 
The account should not have been furnished without proper notice. 
The information being reported is incomplete, inaccurate, and unverifiable. 
My disputes have not been properly investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent private messages on XXXX credit cards from Chase asking why the credit limits were decreased? 

This is an adverse action taken by Chase Bank, XXXX. for unsolicited decrease in the XXXX ( XXXX ) credit card limits. This adverse action is disputed on the grounds that it is unwarranted, financially punitive, and appears to be based on my identity as a XXXX woman, which violats the Equal Credit Opportunity Act ( ECOA ) My payment history with Chase is, and always has been exemplary. I have never been late on a payment, nor have I violated any terms of the account agreements. My payment history does NOT justify this sudden and severe reduction across multiple accounts. 

This reduction negatively impacted my credit utilization ratio, thereby harming my XXXX XXXX without just cause!

Company response to consumer: Closed with explanation