vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: KEYCORP
State: MI

Complaint narrative:
I applied for a personal loan from KeyBank to pay off a loan I have from XXXX XXXX XXXX XXXX because XXXX will not let me pay additional principal early. 

KeyBank claimed they approved my loan, but failed to communicate with me other than calling me once on XX/XX/XXXX and once on XX/XX/XXXX. They never emailed me back or made any other attempts to reach me. 

On or around XX/XX/XXXX, I reached out and was informed the payoff amount for the XXXX loan was {$130.00} higher than wed anticipated. They asked if I wanted to borrow this additional amount and I said yes. 

That evening, I found a letter at my house requesting income verification from KeyBank for the loan. So I emailed in paystubs. 

I reached out to KeyBank and they now claimed they couldnt approve me because they had to do a full income review. I escalated the matter and was told it was being handled, and they just needed to know how I was paid. I informed them Im paid on a per load commission basis as a trucker. 

Today I called KeyBank and was told I was denied because of my debt to income ratio. That is impossible. I make over {$100000.00} a year right now, over {$2000.00} per week, and the loan is for {$14000.00}, and that is my only outstanding unsecured debt. 

I believe I am being discriminated against by the underwriting department because I live in a XXXX majority ZIP code, XXXX in XXXX, Michigan. I believe they are red-lining me. 

I have a XXXX credit score. 

Loan application number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
All of my loans were consolidated in XXXX because I am working towards XXXX. In XX/XX/XXXX, my Mohela account entered an administrative forbearance while the platform was updated. My payment for XXXX auto-debited on the same day that my account entered forbearance. Because there was nowhere for the payment to go since nothing was due, a loan somehow " unconsolidated '' according to Mohela supervisors so the payment would have somewhere to go. This showed as an overpayment of {$47.00} on a loan. I attempted to rectify this several times from XX/XX/XXXX to XX/XX/XXXX. I was told to wait for a refund from the Treasury Department. In XX/XX/XXXX, I received a notice that my loan has been " paid off. '' I called again and asked to escalate my issue with a supervisor. I was told again to wait for a refund from the Treasury Department and that I should receive it around XX/XX/XXXX. My main issue is that there seems to be XXXX communication between Mohela and XXXX. Mohela shows a previously consolidated loan as being " paid off '' while XXXX 's site informs me that I have an unconsolidated loan and in order to recertify for XXXX, all of my loans must be consolidated. I can not recertify my employment if my account is in this status. Mohela reps give me wrong answers or boilerplate responses and FSA reps inform me that this is a Mohela issue.

Company response to consumer: In progress
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I am really frustrated that these incorrect late payments are still listed on my credit report. I refreshed my browser several times, and the issue continues. I need my submitted documents to be reviewed properly so that I can finally stop worrying about this ongoing problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: NC

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and demand for deletion of several unauthorized credit inquiries appearing on my Experian credit report. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), particularly 604 ( a ) and 611 ( a ), I am requesting that Experian immediately reinvestigate and remove all inquiries that can not be verified as having a permissible purpose or my written authorization. 

Upon reviewing my credit file, I identified the following unauthorized inquiries : 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 XX/XX/XXXX I did not authorize or initiate any credit applications or transactions with these entities. As such, these inquiries lack permissible purpose under FCRA 604 ( a ) and must be deleted immediately if the inquiring parties can not produce valid, written authorization signed by me.

Under FCRA 611 ( a ), you are legally required to conduct a reasonable reinvestigation of this dispute within 30 days and provide written documentation verifying each inquirys authorization. If verification can not be obtained, these entries must be permanently deleted from my credit file. 
Please provide written confirmation of : 1. The results of your reinvestigation, 2. Documentation proving I authorized each inquiry ( if available ), and 3. Notice of deletion for any unverifiable or unauthorized inquiries.

If Experian fails to comply with these obligations, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX XXXX  Attorney Generals Office for enforcement of my rights under federal law.

Thank you for your prompt attention and compliance. I expect written confirmation of the results within the time frame allowed by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Block, Inc.
State: OK

Complaint narrative:
XXXX borrowed {$800.00} I was notified XXXX  days prior to due date that my account was suspended. No response from the dispute team of why. 

I am writing to file a complaint against Cash App regarding their Borrow service. I had an active loan of {$840.00}, which was not yet due, when Cash App suspended my account. This action prevented me from managing and repaying my loan as agreed. 

I contacted Cash App to dispute the suspension, as I had not violated any terms of service. I typically use the Borrow feature to manage and pay my bills, and I have always repaid my loans. Due to the account suspension, I am unable to access the funds to repay the loan. 

I request the CFPB 's assistance in resolving this issue. Specifically, I am asking for a halt to any additional interest accrual on the loan until I can arrange a manageable repayment plan, given my current financial hardship due to Cash App 's actions. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Financial Services
State: IL

Complaint narrative:
There have been times where they have called me XXXX  times in XXXX day. Today ( XX/XX/year> ) they called me XXXX  times within the span of XXXX minutes and the debt isnt even due for another XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Early this year I tried on multiple occasions to pay balances on Student Loans with notifications of payments from the XXXX XXXX XXXX XXXX. When I went through the portal they presented, processed the payment, and received written response that payment had been processed, they came back XXXX  months later and said all loans were delinquent. I have in email, where payment had said to be processed. 

My Loan was handed off from XXXX without delinquency to XXXX in XX/XX/XXXX. On XX/XX/XXXX, {$480.00} paid and sent a confirmation code by XXXX. Posted confirmation given via XXXX on XX/XX/XXXX via email. 
On XX/XX/XXXX {$1000.00} was processed and sent confirmation via email as well. XX/XX/XXXX Posted notification via email. 

At the end of the month I received notification that my credit score dropped XXXX points for delinquent loans. 

When I called after my XXXX credit score dropped to XXXX I asked what has happened. They said they had a number wrong from my bank account so there for they weren't accepting payments. 

When asked how I wasn't notified of this prior to having my credit destroyed I was told " there wasn't a process in place for this ''. 

I filed a dispute report with Equifax in XXXX of XXXX, and have received absolutely nothing back from the dispute I filed with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 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 2025-10-16 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 2025-10-16 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:
I do not recognize the accounts, collections, charge-offs, late payments, or XXXX  inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-10-16 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 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 2025-10-16 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-10-16 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: MS

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-10-16 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: FL

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
I see a fee of {$41.00}, when I checked my account the payment of {$52.00} was debit from my account. I contacted the credit card company and told me the payment was returned but I see posted on the account. I dont see a return and they dont want to reverse the fee

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
I was charged by XXXX XXXX XXXX dollars, I have blocked this company and somehow they still charge me with another account in the same name. Cash app has denied a charge from them before for my protection but this time they did not and it was a new form of the account that I did not have blocked so the transaction went through. When the transaction was done pending I sent in a request for a refund, it stated that if I was denied they could possibly close my account I had no worries as I did not make this transaction. But cash app denied me and closed my account. I then appealed the decision on both and for my dispute they ended up approving my appeal and refunded me the money but denied me on the closure appeal. I have not violated any terms on service for my account to be closed.. I have a high over draft and a high borrow limit which Im assuming they are going to come after me to pay but yet I always pay it early or on time as I use cash app as my actual bank account. With them closing my account they really are messing up my whole life. I cant use or pay anything. I have to change all my bills and my direct deposit. For what though? I did not break terms or service. They approved my dispute so why cant I have my cash app back. Why deny me of my appeal to keep it.

Company response to consumer: Closed with explanation