vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: WA

Complaint narrative:
10 days ago I called the fraud alert number for key bank and canceled my card. I then setup a rush replacement and verified my mailing address was the same address I get my bank statement. After not receiving my card after 9 postal days, I called the XXXX number to see where my card was. I was told it was sent to somebody's XXXX XXXX XXXX They wouldn't tell me which one. My dad, who has the same first, middle and last name as me, has a XXXX XXXX XXXX an address but my card was not in his XXXX XXXX XXXX Today, day 10, I went to my branch this morning and told my teller my situation and she closed my account instead of trying to fix my problem. Fixing my problem would have taken at least 5 more postal days for a total of more than 2 weeks to get a rushed card. That means half a month of my movie subscription is wasted. I pay XXXX for 1 month and now won't be able to see a movie until 20 days after ordering a rush card from key because I have to wait to create account at a new bank. ( Wasting almost 75 % of subscription ) Can I at least get someone to acknowledge that key bank is not a trustworthy banking institution or get an apology? Key bank after all rushed my new bank card to a complete stranger, and won't tell me where the address came from. Key bank also raised red flags with me about the security of their network. Did someone change my address? 

I got horrible customer service twice over the phone from two different departments. I got horrible customer service in my branch in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
Accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts. Their presence on my credit file is inaccurate, misleading, and causing material harm to my credit and finances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have been disputing a Midland Credit Management XXXX for an alleged Comenity Bank / KingSize account since XX/XX/year>. Despite multiple disputes with XXXX and the credit reporting agencies, XXXX continues to furnish this account as valid. 

Recently, I confirmed that Midland Credit Management is not licensed or bonded to operate as a debt collector in Ohio, as required under Ohio Revised Code XXXX and Ohio XXXX XXXX XXXX. 

This means every collection attempt and every furnishing of this account is unlawful, inaccurate, and misleading. XXXX has sent me collection letters, including XXXX threatening legal action, while lacking any authority to collect or furnish information in Ohio. 

This conduct violates : FCRA 607 ( b ) : Duty to assure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate.

FDCPA 807 ( 2 ) ( A ) : Misrepresentation of the legal status of a debt.

FDCPA 807 ( 10 ) : Deceptive collection practices. 

I requested validation of this debt, including proof of licensing, assignment, chain of custody, and itemized accounting. XXXX has failed to provide the requested documentation, yet continues to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
I submitted disputes to Experian regarding XXXX accounts that do not belong to me. I also provided supporting documentation and filed a CFPB complaint last month. Despite this, Experian continues to report these inaccurate accounts on my credit report. This is a violation of my rights under the Fair Credit Reporting Act, as Experian has failed to conduct a reasonable investigation and correct the errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
I have disputed these accounts before with Experian and they have not sent me any information as to how these accounts were verified as mine. I have sent them numerous documents to show that these accounts are inaccurately being reported on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
Accounts are all paid, traded or paid in full. The last credit reported by Santander says the loan is still active and seriously past due. I do not own any vehicles financed by Santander Consumer USA. I don't understand why they are reporting false information on my credit report. I used to have XXXX vehicles financed by Santander. XXXX was just recently traded, the other one was a lemon with serious mechanical problems, engine and/transmission/ transfer case. Was under warranty but they refused to service the XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report XXXX XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Demand Regarding Credit Reporting To Whom It May Concern, I am formally requesting that you immediately cease and desist all collection activity and communication with me regarding the alleged account referenced as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Additionally, I am demanding that you immediately cease reporting, or causing to be reported, any inaccurate or unverifiable information regarding this account to the credit reporting agencies ( XXXX, XXXX, and XXXX  ) XXXX 
Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), once a consumer provides written notice to cease communication, you are legally required to comply. Furthermore, under the Fair Credit Reporting Act ( FCRA ) 611, 623, and 609, you are prohibited from reporting information that is inaccurate, unverifiable, or misleading. 
If you continue to report this account without providing proper validation of the debt, you will be in violation of federal law. Should this occur, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney Generals Office, and pursue my rights in civil court. 
I expect written confirmation within XXXX business days that you have complied with this request. Failure to comply will result in immediate legal action. 
Sincerely, 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 2025-08-28 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: NY

Complaint narrative:
upon me reviewing my credit reports i noticed fradulent accounts opened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: NY

Complaint narrative:
upon me reviewing my credit reports i noticed fradulent accounts opened

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b. 

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report XXXX XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am extremely frustrated to see that unauthorized inquiries are still appearing on my credit report this morning. Even after refreshing my browser, nothing has changed. I need this issue resolved immediately, and I insist that the documents Ive provided be reviewed thoroughly so I dont have to deal with this stress again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: AZ

Complaint narrative:
Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$210.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$210.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$210.00} Highest balance - Terms 1 Month On record until XX/XX/year> I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have repeatedly disputed these accounts and I hear nothing back. I am receiving multiple phone calls and mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: NY

Complaint narrative:
upon me reviewing my credit reports i noticed fradulent accounts opened

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: OH

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: OH

Complaint narrative:
I am writing to formally dispute and request a goodwill adjustment regarding the 30-day late payment and associated fees recently reported on my BMW Financial Services account .

I have always maintained my account in good standing and submitted my payments on time. However, due to fraudulent activity on my bank account, my payment was returned. This fraud disrupted my account through no fault of my own, and as a result, my BMW account was incorrectly marked as 30 days past due. 
Once the fraud was identified, I immediately corrected the matter and ensured the account was current. Given my history of responsible payment and the extraordinary circumstances of this fraud incident, I respectfully request : Removal of all 30-day late payment notations from my credit reports, as they do not reflect my actual payment behavior.

Waiver of all fees and penalties associated with this returned payment, as the issue was outside of my control. 
I value my relationship with BMW Financial Services and would greatly appreciate your assistance in ensuring my account reflects my true record of on-time payments. 
Thank you for your understanding and consideration. Please confirm in writing once the late mark and fees have been removed.

Company response to consumer: Closed with explanation