vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: PDQ Check Exchange LC
State: UT

Complaint narrative:
On XX/XX/year>, I obtained an installment loan for {$1200.00} at 318.16 % APR. On XX/XX/year>XX/XX/XXXX I called the lender to request additional funds * *. Instead of providing new money, the representative refinanced the existing balance ( {$1200.00} ) into a new loan totaling {$1500.00} at 369.01 % APR with a {$1700.00} finance charge. 

During the call, nothing of what and how it was being changed was explained no mention of the 369.01 % APR, finance charges, rollover nature, or total cost. The rep only said it would " help '' and " extend '' terms. I was then rushed through an electronic signature process ( yellow boxes ) with * * XXXX verbal disclosure * * of the true cost. 

The APR, finance charge, and rollover were buried in a multi-page document without clear, conspicuous highlighting as required by XX/XX/XXXXXXXX. No oral disclosures were made despite the application being taken by phone ( XXXX ( c ) ( XXXX ) ). 

This was a * * predatory refinance trap initiated by my call for more money * *, resulting in unexpected fees I never agreed to. I have not contacted the lender in writing since. 

Request : Full investigation, refund of all finance charges, immediate collections pause.

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

Complaint narrative:
In XX/XX/XXXX, I opened a XXXX XXXX checking account ( a KeyBank product ). When attempting to enroll in XXXX, the system repeatedly rejected my email address. 
I use a custom email domain to manage spam. Because XXXX XXXX XXXX enrollment process requires using the primary email address on file, I had to update my profile email multiple times to find a format that would be accepted. 

After doing this, the XXXX XXXX stopped loading entirely, suggesting a backend system issue. I contacted XXXX XXXX customer support to report the problem and request assistance. 

Within days of that call, my online banking access and all associated accounts were restricted. The case was referred to the fraud department, which took over a month to review. Despite there being no fraudulent activity on my accounts and the fact that I initiated the contact myself to resolve a technical issue my accounts were ultimately closed without explanation. 

In XX/XX/XXXX, I visited a KeyBank branch to open new personal and business accounts. The banker successfully opened them but discovered that my customer profile is still restricted due to the previous XXXX XXXX issue. 

The banker has been trying for weeks to get the restriction removed by contacting multiple internal departments. After consulting with her manager, she advised me to file a formal complaint so the matter would reach the appropriate team for resolution. 

On XX/XX/XXXX, I submitted a formal complaint regarding this issue over the phone with KeyBank customer service. I have not received any response or resolution to date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Cease and Desist Request under 15 U.S.C. 1681c-2 ( Fair Credit Reporting Act ) Dear Capital one, I am writing to formally request that you cease and desist from reporting or otherwise disseminating any information that has been identified as resulting from identity theft, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

I have reason to believe that the following account ( s ) and/or information appearing on my credit report are the result of identity theft : 515676 Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that you block all such information from my credit file within the statutory time frame after receipt of this notice and the required supporting documentation.

Enclosed are the following documents to verify my identity and substantiate this request : XXXX copy of a valid government-issued photo ID ; XXXXProof of current mailing address ( e.g., utility bill or bank statement ) ; Please confirm in writing once the disputed information has been blocked and removed from my credit file. Any continued reporting of this fraudulent information after receipt of this notice will constitute a willful violation of the FCRA, subject to civil liability under 15 U.S.C. 1681n and 1681o. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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

Complaint narrative:
No XXXX-party company is involved so please dont respond with a stall letter or a generic reply. This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 

I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of XXXX years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within XXXX business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 

Fraudulent Accounts & Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX CO XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inaccurate, obsolete, and unverifiable accounts currently appearing on my credit report. The items in question include charge-off accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$5000.00}, XXXX XXXX XXXX XXXX XXXX  with a balance of {$1200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$2600.00}, and XXXX XXXX XXXX XXXX * with a balance of {$0.00}. Collection accounts include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1300.00} and XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, originally reported by XXXX XXXX XXXX XXXX, with a balance of {$2700.00}. Additionally, multiple hard inquiries that are included in this dispute remain on my report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX Despite my prior submission, these accounts and inquiries remain on my credit report without verification, explanation, or correction, which violates the reinvestigation requirements under FCRA 611, the obligation to report accurate dates of first delinquency under 623 ( a ) ( 5 ), and the requirements for permissible purpose under 604 ( a ) ( 3 ). These items also include information that is obsolete under FCRA 605 ( a ).

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

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inaccurate, obsolete, and unverifiable accounts currently appearing on my credit report. The items in question include charge-off accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$5000.00}, XXXX XXXX XXXX XXXX XXXX  with a balance of {$1200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$2600.00}, and XXXX XXXX XXXX XXXX * with a balance of {$0.00}. Collection accounts include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1300.00} and XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, originally reported by XXXX XXXX XXXX XXXX, with a balance of {$2700.00}. Additionally, multiple hard inquiries that are included in this dispute remain on my report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX Despite my prior submission, these accounts and inquiries remain on my credit report without verification, explanation, or correction, which violates the reinvestigation requirements under FCRA 611, the obligation to report accurate dates of first delinquency under 623 ( a ) ( 5 ), and the requirements for permissible purpose under 604 ( a ) ( 3 ). These items also include information that is obsolete under FCRA 605 ( a ).

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

Complaint narrative:
I submitting this complaints to find several pieces of information that are inaccurate and do not reflect my true financial history. As someone who has always taken responsibility for my obligations, it is deeply concerning to see errors that could negatively affect my creditworthiness. 
Specifically, XXXX addresses listed XXXX Washington, XXXX, MA XXXX and XXXX XXXX, XXXX, MA XXXX have never been associated with me. The Fair Credit Reporting Act ( FCRA ) clearly establishes my right to accurate reporting under 602 Congressional Findings and Purpose, which emphasizes that consumer reporting agencies must ensure the maximum possible accuracy of information in consumer reports. 
Specifically, my report reflects inquiries from XXXX XXXX XXXX dated XX/XX/year> and XX/XX/year>, neither of which I authorized. These inquiries have no connection to any financial activity I initiated and constitute inaccurate reporting. The Fair Credit Reporting Act ( FCRA ) clearly establishes my right to accurate reporting under 602 Congressional Findings and Purpose, which emphasizes that consumer reporting agencies must ensure the maximum possible accuracy of information in consumer reports. 
Additionally, my report lists a charge-off with XXXX XXXX, account XXXX * * * * * * * *, with a balance of {$1100.00}. I dispute this account as inaccurately reported and request that it be addressed under 611 ( 15 U.S.C 1681i ) Procedure in Case of Disputed Accuracy, which requires credit reporting agencies to investigate disputed items and remove any errors promptly. Furthermore, I request that this account be reviewed under IRS Form XXXX to ensure accurate reporting for cancellation-of-debt purposes.

Under 623 ( a ) ( 2 ) Duty of Furnishers to Correct and Update Information, I am exercising my rights to require the furnishing creditor to verify and remove any inaccurate information reported. Additionally, under 623 ( b ) Duty to Investigate, the creditor is obligated to conduct a reasonable investigation of the disputed information and report the results back to the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This complaint is being filed against JP Morgan Chase Bank ( JPMCB Card Services ) for knowingly reporting false, incomplete, and unverified derogatory information to the credit reporting agencies in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). The consumers Experian credit report dated XX/XX/XXXX, lists XXXX XXXX  Card accounts, opened on XX/XX/XXXX, and XX/XX/XXXX, both showing XXXX late payments for XX/XX/XXXX. These late-payment notations are inaccurate and unverifiable. The consumer has maintained these accounts in good standing and has never received any valid billing statement, written notice, or transactional record substantiating a late payment for the date in question. Despite a formal dispute being submitted, JPMCB failed to conduct a reasonable investigation or provide verifiable evidence to support the alleged delinquencies, as required under FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ). Instead, the bank continues to furnish false information to Experian, causing ongoing harm to the consumers XXXX XXXX, financial reputation, and lending opportunities. This behavior demonstrates a willful disregard of consumer protection laws and a failure to uphold data accuracy and investigation standards under the FCRA. The consumer, through authorized representative XXXX XXXX of XXXX XXXX XXXX, XXXX ( as per the Limited Assignment Agreement dated XX/XX/XXXX ), requests the XXXX XXXX intervention. The desired resolution is the permanent deletion of the erroneous late-payment entries from all credit bureaus, a written confirmation of correction from JPMCB, and appropriate enforcement actions and penalties against JPMCB for noncompliance and failure to perform a lawful reinvestigation. 
JPMCB CARD XXXX & JXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Im having negative records on XXXX XXXX XXXX about this company but i don't recognize this account! Its identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I need to know what I bought from jefferson Capital LL, how much money I borrowed from Jefferson Capital LL, when I made the transaction with them, what is my name, what is my address, what's my social security Give me the information I gave you if I had dealt with Jefferson capital LL. I have no deal I signed with Jefferson capital LL. What Jefferson capital LL is doing is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called capital one on XXXX XXXX XXXX 
I asked why I got charged a late fee when I made the payment. I also asked why the late fee is {$40.00} compared to the {$29.00} that they usually charge. They didnt give me that information. They did not want to help waive the fee. I dont understand why they tell me to make payments even if XXXX going through a hardship if they are going to charge me a late fee. It feels like a never ending hole where they never help me out. I dont understand why they change the minimum payment then charge late fees when XXXX XXXX on auto pay for whatever amount they ask for. 
This is for my XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Recently, I purchased a vehicle after not having a car with a loan in a while and I noticed a car loan on my report that I did not authorize as well as a collection from XXXX at the XXXX  saying I owe {$4800.00}. I never had a lease at this complex and it says the date is from 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 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Tona Mortgage, LLC
State: CA

Complaint narrative:
This complaint concerns theLenders unlawful ordering of multiple appraisals and manipulation of valuation outcomes, misrepresentation about XXXX unavailability, and coercive conduct in violation of Appraisal Independence Requirements ( AIR ) and the Equal Credit Opportunity Act ( ECOA ). 

Although an updated appraisal established a {$3.00} XXXX value ( acknowledged in writing by the lender ), theLender then commissioned another appraisal at {$3.00} XXXX without justification, falsely claiming that a third appraiserwho would have supported the $ XXXX valuationwas unresponsive and leaving me no choice but to sign under time pressure at the lower amount. 

The lenders conduct caused a reduction in refinance proceeds by approximately {$250000.00}, delayed closing by several weeks, and material business harm due to delayed funding critical to my companys inventory operations. 

I was also charged for the 2nd appraisal when the lender repeatedly confirmed they would be paying it and that I would see a credit but there was no credit on the final loan documents.

Violations Alleged Appraisal Independence Requirements ( 12 C.F.R. 1026.42 ) theLender ordered a second appraisal without any error, market change, or investor requirement. The loan officer justified it as a risk measure but never explained the risk. Regulation Z 1026.42 ( f ) explicitly does not permit new appraisals for risk management concerns absent material error or changed conditions. Selective use of lower valuation constitutes prohibited influence and value shopping.

Equal Credit Opportunity Act ( 12 C.F.R. 1002.14 ) Lender failed to provide meaningful review of my rebuttal and supporting evidence. Denied equal consideration of accurate $ XXXX appraisal and renovation documentation. 


Misrepresentation and Coercion The lender falsely claimed that a third appraiser ( who would have supported the $ XXXX valuation ) was unresponsive or unavailable, coercing me to close under time pressure at a reduced valuation. 


Breach of Good Faith and Fair Dealing Altering loan terms post-approval without lawful basis and withholding expected funds constitutes bad-faith conduct.

Professional Negligence / Appraiser Misconduct ( XXXX. XXXX. & XXXX XXXX XXXX ) : The appraiser disregarded clear evidence of renovations, used inferior comparables, and failed to follow professional standards, materially understating property value.

Business Impact and Damages Due to the lenders misrepresentations and unauthorized appraisal ordering and delayed funding : My company was unable to access capital for scheduled inventory purchases, causing delayed production runs and supply interruptions.

I suffered a direct loss of {$250000.00} in loan proceeds and consequential financial strain from postponed inventory acquisition and business operations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation