vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/year>, {$790.00} was posted to my checking account with KeyBank due to winnings from a gambling site out of XXXX XXXX. I originally authorized a few transactions which led to me winning {$800.00}. I have a skeptical at first but the {$790.00} was deposited to my account in a couple days. Within an hour those winnings were taking out of my checking account without my authorization. I immediately notified KeyBank via a phone call to the fraud department. I then emailed the website of the gambling site and then received notification to contact them through the app which I did but never received a response. I have since deleted that app so no more money can be taken out of my account. In following up with KeyBank I was told a provisional credit would appear on my account. That was on around XX/XX/year>. In a second attempt to follow up, I contacted my local branch and was told that the claim had been denied and to contact the KeyBank fraud division directly. I then spoke to someone who told me that the case was still pending, but then stated after that the claim had been denied I escalated to a supervisor and they basically told me the same information that I had initiated a purchase with that merchant and that all transactions going forward were approved. I requested a reopening of the investigation and to have a provisional credit added to my account. That supervisor told me she could not do it, and that she would just reopen the case. I then asked her if she was familiar with federal law E, which required her company to provide a provisional credit while my case was being investigated, she would not answer the question and I told her I was going to make a complaint with the Consumer Financial Protection Bureau. She claims that I have to prove that I did not make any purchases and when I asked what proof the site provided showing that I authorize more charges, she could not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A XXXX XXXX card was opened under my name by a fraudster. I received a notice from XXXX  that an account was just opened under my name. I reached out to XXXX XXXX to state that this activity was unauthorized and not me. XXXX XXXX confirmed this was fraudulent and immediately closed the card. However, they have failed to remove this from the three credit agencies and this fraud is now impacting my credit score based on a hard credit pull done by XXXX XXXX that was done by a fraudster.

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 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
im unaware of the debt and did not have Opportunity to dispute this account. if you believe you sent proper notification, please provide 'certified mail ' with receipt displaying my signature. if not please delete account as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax Information Services LLC. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy.

2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers Equifax Information Services LLC has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: SC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Third-Party Collection Accounts and Request for Immediate Investigation and Removal Dear CFPB Representative, I am writing to formally dispute the unauthorized use of my personal information in connection with accounts now appearing on my credit report. These accounts, listed under XXXX XXXX, XXXX XXXX, and XXXX XXXX, were not opened or authorized by me for personal use. Based on my research and experience, I firmly believe these accounts were either used by a third party or opened under questionable circumstances without my full knowledge or consent. 

I am deeply concerned that my identity and personal financial information may have been misused to establish services or lines of credit that I neither requested nor received the benefit of. These accounts are now unfairly being reported as collection accounts, negatively impacting my creditworthiness and overall financial stability. 

To be clear : I did not initiate or authorize any business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that would have resulted in these accounts. 
I did not receive or benefit from the funds, services, or equipment tied to these accounts. 
I suspect third-party involvement, and I request an investigation into how my information was used to open these accounts. 

They also gave my information to other companies i did not authorize. 

These entries are misleading, damaging, and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I request that the CFPB conduct a full investigation into these matters and instruct the appropriate agencies and data furnishers to remove all negative reporting related to these accounts from my credit reports immediately. 

I am prepared to provide additional documentation if needed to support my claim. Please confirm receipt of this dispute and provide a written response indicating the steps your office will take to resolve this issue. 

Thank you in advance for your time, attention, and swift action. 

Sincerely, 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 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting this complaint against TransUnion and Experian for willfully and negligently reporting inaccurate and outdated information on my credit file, despite my prior disputes and a CFPB complaint submitted on XX/XX/year>. 

I was issued a new SSN in XX/XX/year>. The information currently on my credit report under this new SSN is incorrect. Several accounts, addresses, and employers listed do not belong to me and are based on outdated records that should be attached to my former ITIN, not my current SSN. I also discovered bank accounts that are not mine and should not be listed under my identity.

These errors are severely impacting my ability to secure saf
e housing, reliable transportation, and rebuild financial stability as a VAWA ( Violence Against Women Act ) applicant and a single mother of two children. I am under extreme financial hardship and continue to face eviction risks and credit denials because of this negligence. 

Despite acknowledging my XX/XX/XXXX complaint, TransUnion and Experian have not corrected the inaccurate items and are continuing to furnish false data. 

I am requesting immediate removal of : All accounts that were never authorized under my SSN All addresses and employment records not directly tied to my current SSN Any record that existed under my ITIN but should not be showing under my new identity Their failure to investigate and correct the errors violates FCRA Sections 1681e ( b ) and 1681i.

Please help me hold them accountable and remove this inaccurate information.

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 2025-06-13 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: NV

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 2025-06-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : $ XX/XX/XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XXXX XXXX XXXX XXXX, Balance : {$420000.00} XX/XX/XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$14000.00} INQUIRIES : XXXXXXXX XXXX  Date : INQUIRED ON XX/XX/XXXX XXXX Date : INQUIRED ON XX/XX/XXXXXXXX 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 2025-06-13 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Between XXXX XXXX XXXX XXXX XXXX, multiple unauthorized transactions were made from my Ally Bank account. Two large payments were processed through XXXX totaling {$1700.00}. They were sent to a person I do not know : XXXX XXXX XXXX XXXX ( email : XXXX ). 
I reported these charges to Ally Bank and requested a refund. They denied both disputes, stating the transactions were authorized. However, Ally did refund two other transactions during that same 48-hour window : a {$400.00} XXXX XXXX XXXX and a {$63.00} XXXXXXXX XXXX  charge. This confirms that fraud had occurred. Denying only the largest charges, despite them occurring within the same timeframe and under the same suspicious activity, is inconsistent and unfair. 
I have also filed a police report with the XXXX Police Department in XX/XX/2025, submitted a fraud report to the Federal Trade Commission ( FTC ), and filed disputes with XXXX, which were also denied.

I am requesting that the CFPB investigate Ally Banks handling of this case and assist me in recovering the funds from the two large unauthorized transactions that remain unresolved.

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 2025-06-13 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: NC

Complaint narrative:
On XX/XX/year> XXXX, debt collector for XXXX XXXX XXXX, sent a pay-for-deletion offer for the account # XXXX. The payment was made and I was sent a payment confirmation. The company agreed to record the account as settled in full upon receiving payment and all collection activity will cease. Ive disputed the account information with all credit bureaus ( Transunion, Equifax, and Experian ). Since then, the account has not been removed from my credit report and is being reported as 'currently late'/charge-off as of the updated report on XX/XX/year>.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/year> XXXX, debt collector for XXXX XXXX XXXX, sent a pay-for-deletion offer for the account # XXXX. The payment was made and I was sent a payment confirmation. The company agreed to record the account as settled in full upon receiving payment and all collection activity will cease. Ive disputed the account information with all credit bureaus ( Transunion, Equifax, and Experian ). Since then, the account has not been removed from my credit report and is being reported as 'currently late'/charge-off as of the updated report on XX/XX/year>.

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 2025-06-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : INQUIRIES : XXXX XXXX Date : XX/XX/2025 XXXX XXXX  Date : XX/XX/2025

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 2025-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I went to an outpatient medical center known as XXXX in XXXX Florida, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
I have a XXXX primary insurance and a secondary insurance, as well as my husband 's military insurance. 
XXXX refused to submit the claim to both primary and secondary insurance. I requested that they do that in order to get paid. The woman in claims department said that they do not submit payments to secondary insurance and we would have to file the claim ourselves. We are not insurance adjusters. They sent the {$190.00} payment to a collection agency known as TSI- XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX I spoke with them, and they insist I pay them. My secondary insurance is saying that if XXXX would send the claim, they would pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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