vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: DE

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to demand an immediate investigation into inaccurate reporting by XXXX to Equifax and other consumer reporting agencies, and the removal of all derogatory marks, or correction to a paid-in-full status. 

A. Account and Inaccuracies Account identifier : No available number account number Payment evidence : I have a receipt showing payment of {$650.00} on XX/XX/XXXX. The documented status on the receipt indicates the account should be current as of that date. 
Inaccuracies : The reporting includes derogatory marks that are not accurate. Specific issues include : 90-day late payments for the following periods : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Open/closed status misreporting. 
Incorrect dates of payments or delinquencies. 
Closed date reported as XX/XX/XXXX, which can not be correct if reporting continued up to XX/XX/XXXX. 
Last Activity date shown as XX/XX/XXXX, which can not be accurate if payments were reported after that date. 

B. XXXX XXXX ( Final ) 1 ) Remove all derogatory entries reported by XXXX to Equifax and other CRAs, or, if verification is possible, re-report only accurate information and reflect a paid-in-full status dated XX/XX/XXXX. 
2 ) If a paid-in-full status is warranted, update to paid in full as of XX/XX/XXXX and current status with no remaining derogatory marks. 
3 ) Upon completion, ensure all CRAs ( including Equifax ) are notified and that fresh credit reports reflect the corrected data. 

C. Attachments Receipt showing payment of {$650.00} ( date : XX/XX/XXXX ). 
Ledger or statements supporting the 90-day late periods and the dates of payments/due dates. 
Any additional documents demonstrating inaccuracies ( screenshots, communications, etc. ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting Act ( Complete XXXX XXXX  ) Account # XXXX, XXXX XXXX account number XXXX and XXXX  account number XXXX has violated my rights. 15 US 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 write instructions. All of these accounts need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights. 

I Demand Immediate Deletion of the Following Fraudulent Accounts : XXXX  XXXX This account is fraudulent and completely inaccurate. It was opened without my authorization and is the direct result of identity theft. You are required to block and remove it under FCRA 605B. 

XXXX  XXXX XXXX This account is fraudulent and completely inaccurate. It was not authorized by me and was opened using stolen identity information. You are required to block and remove it under FCRA 605B. 

XXXX XXXX This account is fraudulent and completely inaccurate. It does not belong to me and reflects identity theft activity. You are required to block and remove it under FCRA 605B. 

XXXX XXXX This account is fraudulent and completely inaccurate. It was not authorized by me and is the result of identity theft. You are required to block and remove it under FCRA 605B. 

XXXX XXXX XXXX This account is fraudulent and completely inaccurate. It was opened without my authorization, is tied to identity theft, and must be blocked and removed under FCRA 605B. 

Your Continued Negligence in Handling Identity Theft Reports Violates : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data.

15 U.S.C. 1681n Willful non-compliance with the FCRA.

15 U.S.C. 1681o Negligence in reinvestigating disputed information. 
15 U.S.C. 1681s-2 Failure of furnishers to report accurate data.

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 2025-10-02 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: AR

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
I am filing this complaint against EQUIFAX for failure to comply with the Fair Credit Reporting Act ( FCRA ), U.S. Federal Law, and the California Consumer Credit Reporting Agencies Act ( CCCRAA, Cal. Civ. Code 1785.25 ( a ) ). My Equifax credit report, dated XX/XX/XXXX, contains multiple inaccuracies, unverifiable derogatory entries, and incomplete reporting that have caused serious harm to my credit profile, credit score, and financial opportunities. 

XXXX XXXX XXXX ( Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} ) This account reflects six late payments ( 30, 60, 90, and 120 days past due ). These entries are inaccurate and unverifiable. Reporting false or incomplete derogatory information violates FCRA 1681e ( b ), 1681i, and 623 ( a ) and Cal. Civ. Code 1785.25 ( a ), which prohibits furnishers from reporting data they know or should know is inaccurate. 

XXXX XXXX XXXX XXXX  ( Account No. XXXX, Date Opened : XX/XX/XXXX, Closed, Balance : {$3100.00} ) This account is reported with XXXX late payments ( 30, 60, 90, 120 days past due ) while also being flagged as Pays account as agreed and Account closed by credit grantor. This contradictory and incomplete reporting violates FCRAs accuracy and completeness standards and California law, which requires consumer credit information to be accurate and not misleading. 

XXXX XXXX XXXX ( Account No. XXXX, Date Opened : XX/XX/XXXX, Closed, Balance : {$0.00} ) This account is reported with late payments, yet marked as Pays account as agreed and showing inconsistent codes. Furnishing contradictory, unverifiable information constitutes willful and negligent noncompliance with both federal and state law. 

XXXX XXXX XXXX  XXXX ( Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} ) This account shows credit usage exceeding 100 % of the limit ( {$2100.00} against a {$2000.00} limit ). Such reporting requires validation, and without verification it reflects inaccuracies in violation of the FCRA and CCCRAA.

Violations Identified : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy of credit file information.

FCRA 1681i : Failure to properly reinvestigate disputed information.

FCRA 623 ( a ) : Furnishing of inaccurate, misleading, or unverifiable information.

U.S. Federal Law : Prohibits the knowing dissemination of false credit information.

California Civil Code 1785.25 ( a ) : Bars furnishers and CRAs from reporting data they know or should know is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
* AMOUNT : {$12000.00} * ORIGINATOR : Sale XXXX XXXX * POSTED DATE : XX/XX/2025 My bank, XXXX tried to recover the funds from Chase, however my bank is unable to recover the above-referenced funds from the originating bank. 
Chase provided incorrect transaction information to XXXX that was different from what my bank claimed. XXXX sent a letter again to Chase asking that the information was not match. Also Chase provided contact # of XXXX XXXX to discuss with this transaction, the phone # was XXXX and the were unable to provide any their customers information since I do not have a XXXX  account. 
Chase stopped further investigation and closed this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
Ive noticed that my credit report contains personal information that isnt correct, and because of this, accounts that dont belong to me are showing up. I am a victim of identity theft, and my information was used without my permission. As a result, there are accounts and items listed on my report that I have never been associated with in any way. 

I followed the proper steps by filing an identity theft report with the FTC, as XXXX  instructed, and I also submitted that report to you. Despite doing this, these fraudulent accounts are still showing on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I attempted to send my father {$900.00} using the XXXX feature in the Sofi banking app. I am a Sofi banking customer and so I submitted {$900.00} using my fathers phone number. He had not yet set up his XXXX using his phone number, but once he did, he did not receive the funds. The {$900.00} was also not refunded back to me. So {$900.00} was removed from my account But neither my father nor I received that money. I have opened a dispute with Sofi three times now and have been told to provide extra information in order for them to return the money. They dont tell me what to provide for them nor do I have anything to provide because all of the interaction was done within the Sofi banking app. They have all the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I have been trying to reach Westlake Finance for months. I've tried calling the number provided but you are offered prompts that take you in circles. I tried their XXXX XXXX and they just give you the prompt revolving phone numbers. Then, XXXX XXXX, XXXX, I sent a registered letter. I even called the car dealership that sold me this lemon and they also gave me the same phone number. Funny, when I was in their office buying the car, they got through to Westlake Finance, Ph : XXXX, address : XXXX XXXX XXXXXXXX, XXXX, California XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  is still showing up on my credit report I explained that this account doesnt belong to me. I have been exposed in a data breach, Please use consumer law 605B to block delete and permanently remove the negative account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I have been banking with Huntington National Bank for over 20 years. I purchased my car through the bank in XXXX. When COVID hit, I lost my job. I notified the bank to inform them that I was out of work, and I continued to keep in touch with them until I was able to secure employment. When I returned to work in XXXX, my husband lost his job. I continued to do my part and made payments as best as I could. It was my understanding that the CARES Act was intended to protect consumers during the COVID-19 pandemic, particularly in cases of adverse reporting, given the country 's circumstances and resulting job losses. I am concerned because after being a customer with Huntington for so long, they were going to honor the client. However, Huntington has not honored my goodwill letter, and the CRAs continue to verify or reinsert the adverse reporting. I have attached the goodwill letter and the correction to my credit report. I have also attached the reinsertion of all the negative payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-02 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: MD

Complaint narrative:
AGAIN, I disagree with your investigation response. The UNAUTHORIZED items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated. You have yet to provide me with proof of these inaccuracies are highly injurious to my credit rating. I have yet to receive any verification that has been requested. Again, please validate via 15 U.S. Code 1681 Section 609 ( a ) ( 1 ) ( A ) through the physical verification of the original signed consumer contract proving I consented to the furnishing or 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 explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/year>, I paid {$190.00} through XXXX XXXX XXXX  using my KeyBank credit card. The payment was a business transaction for a deposit on a product called the XXXX XXXX, which the company clearly advertised as " FULLY REFUNDABLE. '' When the company failed to issue the promised refund, I opened a dispute with KeyBank on XX/XX/year>. KeyBank denied my dispute, stating that XXXX supplied information & documentation, that they would not send me a copy of stating that the transaction was a XXXX transfer. This classification is incorrect. The transaction was not a personal transfer between individuals - it was a commercial purchase made though a business website with a published terms & conditions, checkout process and a refund policy. 

I appealed and asked KeyBank to reopen the case, providing proof from the merchant that a refund was promised but NEVER issued. Despite this KeyBank has refused to reconsider, repeating the same XXXX classification instead of addressing the evidence. 

Because of this refusal, I have been denied consumer protection and left without the refund I am owed. I have also filed complaints with the XXXX, the Federal Trade Commission ( FTC ) and with XXXX, but KeyBanks failure to handle my dispute properly has directly harmed me as a consumer. 

Over 333 Complaints on the XXXX XXXX XXXX Rating F ( unfortunately I didnt see this until now )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
b'LAST 4 OF SSN\nAddress\nCc: Consumer Financial Protection Bureau\nCc: Attorney Generals Office\nCc: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXTo: EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXCc: Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXCc:TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXnRE: SSN # XXXXThis letter is in reference to the account listed on my credit\nreport by XXXX XXXX XXXX XXXX under account #XXXXThis account is being illegally reported on my credit report. I\nformally disputed it directly with XXXX XXXX XXXX XXXX in\nregards to their illegal reporting, and have not received any\nsatisfactory reply.\n\nTherefore, I am now formally disputing directly with you.\nFurthermore, if at any time during your investigation the above\naccount is verified by XXXX XXXX XXXX XXXX I am requesting\nyour method of verification pursuant to the FCRA, including the\nname of the person with whom you spoke, who has firsthand\nknowledge of the account in question.\nI am maintaining a careful record of my communications with\nyou for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting this erroneous item.\n\n\nThank You, XXXX XXXX XXXXP.S. Please be aware that dependent upon your response, I may\nbe detailing any potential issues with your company via an\nonline public press release.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
b'LAST 4 OF SSN\nAddress\nCc: Consumer Financial Protection Bureau\nCc: Attorney Generals Office\nCc: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXTo: EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXCc: Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXCc:TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXnRE: SSN # XXXXThis letter is in reference to the account listed on my credit\nreport by XXXX XXXX XXXX XXXX under account #XXXXThis account is being illegally reported on my credit report. I\nformally disputed it directly with XXXX XXXX XXXX XXXX in\nregards to their illegal reporting, and have not received any\nsatisfactory reply.\n\nTherefore, I am now formally disputing directly with you.\nFurthermore, if at any time during your investigation the above\naccount is verified by XXXX XXXX XXXX XXXX I am requesting\nyour method of verification pursuant to the FCRA, including the\nname of the person with whom you spoke, who has firsthand\nknowledge of the account in question.\nI am maintaining a careful record of my communications with\nyou for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting this erroneous item.\n\n\nThank You, XXXX XXXX XXXXP.S. Please be aware that dependent upon your response, I may\nbe detailing any potential issues with your company via an\nonline public press release.'

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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