vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: CT

Complaint narrative:
On XX/XX/XXXX or XXXX, 2025 I contacted Key Bank to cancel a funds transfer for {$500.00} to a checking account which I had just made in error. My request was rudely refused and I ordered the account to be closed as of XXXX XXXX I quickly entered disbursal requests to bring the account to XXXX  balance and considered my relationship with Key Bank to be over. However, Key Bank took it upon itself to enter a loan of {$50.00} to the closed account and has continued to demand that I pay off the loan, interest charges, and late fees. I have verified that all activity on these accounts has been initiated by Key Bank and that I have initiated any transactions since XX/XX/XXXX.. All this activity took place after Key Bank had closed an unused credit card without informing me. All I want is for these accounts to be closed and the delinquency report be removed from my credit reports.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: U.S. BANCORP
State: MT

Complaint narrative:
bXXXX I reveived a call for XXXX XXXX at US bank-caller Id said USbankbranch. She stated my ssn & said someone was attempting to open an account in my name. I assurred her it was not me. She then sent me to XXXX XXXX from the Credit Bureau XXXX  who has my recent XXXX XXXX  including cc loans etc. He said 2 had been breeched & needed to be closed. Then proceeded to refer me to XXXX XXXX  who explained the CPA program that would buy the loans/cc balance & pay off @ no interest.... Lastly i was transferred to XXXX XXXX who reexplained the program His # was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He asked for my email to send a test message then the paperwork. He replied from this email: XXXXXXXX   \nI have that email & all the 'links' to the CPA. He said he would send me documents & needed my bank account # to utilize for the loan documents. He wanted to call me back to confirm & asked him to call me on Monday am since i was planning leave town. \nAfter hanging up I called US bank Fraud dept & learned that they had not called me & had no record of anyone attempting to use my ssn to open a cc account. They shut down my acct & I proceeded to call other companies & on Sat am I reached the credit burea to have a Fraud elert & freeze & pd for continuing monitoring. THEY HAVE MY SSN# and must be a highly organized team. I want others to know that they cannot trust caller ID to know where a call is coming from and that any claims of unauthorized use of one SSN should go directly back to their trusted institutions. Also apparently the credit bureau breech data is out there and being used. Likely how they got my SSN or is it DOGE and all the data they stole and is who knows where?"

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 2025-07-28 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Since XX/XX/XXXX, I have submitted seven separate complaints to the CFPB against Experian regarding inadequate dispute investigations : XXXX Problem with a company 's investigation into an existing problem XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX Incorrect information on your report XXXX XXXX Each was marked Closed Company responded, but none led to correction or removal of the errors I disputed. 

My disputes included : Missing hard inquiries dating from XX/XX/XXXX. 

Incorrect late payment notations on accounts with XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX 

Duplicate XXXXDepartment of Education entries showing identical opening dates, balances, and status.

Credit utilization reported at 287 %, which is mathematically impossible. 

An XXXX account listed as delinquent, despite being under official forbearance status, which under FCRA and CARES Act should not affect my score. 

I also requested a detailed explanation of Experians investigation process, including whether all evidence I submitted was forwarded to furnishers, what responses were received, and whether any dispute was deemed frivolous. Experians responses were generic confirmations of an investigation, but they did not justify why my documentation was disregarded or explain why the disputed items were never corrected.

Despite submitting comprehensive evidencescreenshots, statements, forbearance letters, utilization calculationsExperian failed to update any item in my credit report.

My experience aligns with findings in the CFPBs XX/XX/XXXX lawsuit against Experian, which alleges that Experian routinely conducts sham investigations, fails to forward consumer-submitted documentation, and improperly reinserts inaccurate tradelines after they were previously disputed and removed

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 2025-07-28 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: WA

Complaint narrative:
I discovered that a XXXX XXXX account with a {$120.00} balance and charge-off status was reported on my credit file without my knowledge or consent. I did not open or authorize this account and have no relationship with XXXX XXXX. 

I submitted a formal dispute to the credit bureaus, including my FTC Identity Theft Report, government-issued ID, Social Security card XXXX and proof of address. Despite providing complete documentation, the bureaus failed to remove or block the account as required under the Fair Credit Reporting Act ( FCRA 605B ). 

This fraudulent account is damaging my credit and was not verified with any proof of my responsibility. I request full deletion of this account and any related inquiries 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute late payment entries reported by XXXX XXXX on my credit report. These entries appear on my credit file with your bureau and are inaccurate and unverifiable. 

According to the Fair Credit Billing Act ( 15 USC 1666b ), creditors must provide a minimum 21-day grace period from the time a bill is mailed or delivered before treating a payment as late. If XXXX XXXX can not verify that they provided this required timeframeor that I was indeed late beyond the lawful periodthen the reported late payment is in violation of federal law and must be immediately removed. 

Additionally, under the Fair Credit Reporting Act ( 15 USC 1681i ), you are required to conduct a reasonable reinvestigation of any disputed information. Since XXXX XXXX can not provide verifiable evidence that the reported late payments are accurate and lawful, you are obligated to delete this information from my credit file. 

Account Details : Creditor Name : XXXX XXXX Account Number # XXXX Type of Dispute : Inaccurate late payment history Requested Action : Immediate deletion of all late payment entries Please complete your reinvestigation within 30 days and send me the results in writing. If this inaccurate information is not removed, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violation of my rights under the law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on 07/25/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The following account currently listed and showing on my Equifax credit report, is a fraudulent and unauthorized account and not my account or debt : The XXXX  XXXX XXXX XXXX : XXXX, XXXX. The account is fraudulent and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: FL

Complaint narrative:
Opened a Netspend Checking account under their ongoing {$200.00} promotional account bonus web link. 

I have completed all requirements to become eligible for the {$200.00} bonus including activating a Netspend debit card and receiving at least {$400.00} in qualifying direct deposits to my new account. 

It has now been past 5 business days and I have not yet received my promotional {$200.00} bonus. 

Direct screenshots documenting the promotional web page with terms is attached. 

Account Number 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 2025-07-28 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: TX

Complaint narrative:
My SSN and address have been compromised while I was in college and again after to established accounts that are coming to light recently. My information is on the darkweb and has been leaked in data Breaches be sure to delete them now and suspend attempts to collect funds from me off of accounts established with Identity Theft the FTC Report # is 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
My information was exposed in several breaches.. This resulted in bank accounts being opened without my knowledge or permission This being reported is a violation of my rights and the law per : Under * * 15 U.S.C. 1681b * *, a consumer reporting agency may only furnish a consumer report under specific permissible purposes. If the data furnisher can not prove it has such a purpose and can not verify the validity or ownership of the account, this information must be * * immediately deleted * * from my credit file. 
XXXX XX/XX/XXXX XXXX ACCOUNT FRAUDULENT XXXX XXXX XX/XX/XXXX INQUIRY-FRAUDULENT XXXX XXXX  XX/XX/XXXX INQUIRY-FRAUDULENT XXXX XXXX  XX/XX/XXXX INQUIRY-FRAUDULENT XXXX XXXX  XX/XX/XXXX INQUIRY-FRAUDULENT XXXX XXXX  XX/XX/XXXX INQUIRY-FRAUDULENT XXXX. XXXX XX/XX/XXXX INQUIRY-FRAUDULENT XXXX XXXX  XX/XX/XXXX INQUIRY-FRAUDULENT XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRY-FRAUDULENT XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX INQUIRY-FRAUDULENT XXXX XX/XX/XXXX INQUIRY-FRAUDULENT XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX INQUIRY-FRAUDULENT

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 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : -XXXX  XXXX Account number : XXXX -XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX -XXXX  Account number : XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : -XXXX Inquired on XX/XX/XXXX -XXXX Inquired on XX/XX/XXXX -XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX -XXXX Inquired on XX/XX/XXXX -XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX -XXXX  Inquired on XX/XX/XXXX -XXXX  Inquired on XX/XX/XXXX -XXXX XXXX Inquired on XX/XX/XXXX -XXXX XXXX Inquired on XX/XX/XXXX -XXXX Inquired on XX/XX/XXXX -XXXX Inquired on XX/XX/XXXX -XXXX  XXXX Inquired on XX/XX/XXXX -XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX -XXXX  Inquired on XX/XX/XXXX -XXXX  Inquired on XX/XX/XXXX -XXXX  Inquired on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Was paying my bill on time with synchrony bank and they added over XXXX interest charge on my account.

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 2025-07-28 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: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : DP OF EDUC - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DOE XXXX ] Account Number : [ XXXX ] Creditor Name : [ DOE XXXX ] Account Number : [ XXXX ] Creditor Name : [ DOE XXXX ] Account Number : [ XXXX ] Creditor Name : [ DOE XXXX ] Account Number : [ XXXX ] Creditor Name : [ DOE XXXX ] Account Number : [ XXXX ] Creditor Name : [ DOE XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-07-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Hey, I need to bring something important to your attention. I overpaid on my account and have already paid it off in full. Despite this, there was an overpayment of {$780.00} issued on my account. I have contacted XXXX multiple times, but they have neither refunded my money nor provided any explanation about where my check is. This situation is really frustrating and unfair. I believe I deserve to get my money back promptly or at least receive a clear explanation of whats going on. Please help me resolve this issue as soon as possible.

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 2025-07-28 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: TX

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX, XXXX - XX/XX/XXXX 2024

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 2025-07-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Do not recognize this account

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 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ( Original Creditor XXXX XXXX XXXX  ) Account number XXXX XXXX XXXX XXXX XXXX I Do not recognize this account

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