vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: PA

Complaint narrative:
On the dates of XX/XX/XXXX and XXXX my wife and I had fraudulent charges made using XXXX of our checking accounts through Key Bank. Key Bank was promptly notified of the fraudulent charges of {$300.00} and {$590.00} both double charged. My personal email was also hacked in order to transfer both tickets to another email account. These were show tickets fraudulently purchased with our information. XXXX show took place in XXXX XXXX XXXX XXXX XXXX XXXX on back to back days. When initially contacted the fraud dept had told us we would need to have the charges drop off before we could file a dispute which is what we did. We were issued provisional credits for the amounts taken from our account. However these provisional credits were reversed after the bank claimed insufficient evidence to support that we were not responsible for these charges. Multiple police reports were filed and we have other checking accounts through Key Bank that show we were in our hometown at the time of both shows and not in XXXX XXXX XXXX XXXX. We have attempted an open line of communication with Key Bank and have had a very difficult time being kept in the loop with the findings of the investigation. We have been told repeatedly by Key Bank that we need to contact the merchant, which we have and the merchant when presented with the facts also concluded this was an obvious fraud case. All relevant documentation has been turned over to Key Bank for their investigation but they continuously seem to inform us it is unsatisfactory. Since the initial investigation had started this checking account has been charged off and closed through the bank even though it is part of an ongoing investigation. This has been a nightmare of a process to try and get our money back. We have been made to feel as though we were the criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
I am filing this complaint because XXXX has failed to comply with my rights under 15 U.S.C.1681c-2 of the Fair Credit Reporting Act. On XXXX, I submitted a valid identity theft report from FTC XXXX along with proof of my identity, requesting that fraudulent information be blocked from my credit as required by law. 

Under 15 U.S.C. 1682c-2 ( a ), a consumer reporting agency is required to block identity-theft-related information within 4 business day after receiving.

1. Proof of the consumer 's identity, 2. A copy of an identity theft report and 3. The consumer 's identification of the fraudulent information. 

Despite providing all required documents, the disputed/fraudulent tradelines remain on my credit file. This failure to block the information is a violation of my rights under federal law and is causing me ongoing harm. 

I am requesting that CFPB require XXXX XXXX XXXX XXXX XXXX XXXX and delete the fraudulent information as required by 15 U.S.C. 1681c-2 2.Provide written confirmation of the block and delete, and 3. Ensure no reinsertion of this information without proper certification and notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
I am filing this complaint because XXXX has failed to comply with my rights under 15 U.S.C.1681c-2 of the Fair Credit Reporting Act. On XXXX, I submitted a valid identity theft report from FTC XXXX along with proof of my identity, requesting that fraudulent information be blocked from my credit as required by law. 

Under 15 U.S.C. 1682c-2 ( a ), a consumer reporting agency is required to block identity-theft-related information within 4 business day after receiving.

1. Proof of the consumer 's identity, 2. A copy of an identity theft report and 3. The consumer 's identification of the fraudulent information. 

Despite providing all required documents, the disputed/fraudulent tradelines remain on my credit file. This failure to block the information is a violation of my rights under federal law and is causing me ongoing harm. 

I am requesting that CFPB require XXXX XXXX XXXX XXXX XXXX XXXX and delete the fraudulent information as required by 15 U.S.C. 1681c-2 2.Provide written confirmation of the block and delete, and 3. Ensure no reinsertion of this information without proper certification and notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

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 2025-10-01 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: SC

Complaint narrative:
I am following up regarding items on my credit report that continue to appear despite my previous disputes. These items are inaccurate and unauthorized, and I am formally demanding their permanent removal in compliance with federal law. 
Among the items in dispute is my XXXX  account ending in XXXX, with a Balance : {$830.00}, reported as a charge-off. This account is inaccurately reported and lacks proper documentation, including a XXXX for debt forgiveness over {$600.00}, which violates XXXX. XXXX U.S.C. XXXX and FCRA XXXX ( b ) [ XXXX U.S.C. XXXX ( b ) ]. Its continued reporting is unjustly impacting my creditworthiness and causing undue financial and personal stress. 
Additionally, multiple inquiries have appeared on my credit report without my authorization. These inquiries include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  CRE XXXX, XXXX.XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX, and XXXX XXXX XXXX  XXXX These unauthorized inquiries violate XXXX. XXXX U.S.C. XXXX, FCRA XXXX ( a ) XXXX U.S.C. XXXX ( a ), and FCRA XXXX XXXX U.S.C. XXXX, and their continued presence is unfairly damaging my credit score and limiting my access to credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: SC

Complaint narrative:
I am following up regarding items on my credit report that continue to appear despite my previous disputes. These items are inaccurate and unauthorized, and I am formally demanding their permanent removal in compliance with federal law. 
Among the items in dispute is my XXXX  account ending in XXXX, with a Balance : {$830.00}, reported as a charge-off. This account is inaccurately reported and lacks proper documentation, including a XXXX for debt forgiveness over {$600.00}, which violates XXXX. XXXX U.S.C. XXXX and FCRA XXXX ( b ) [ XXXX U.S.C. XXXX ( b ) ]. Its continued reporting is unjustly impacting my creditworthiness and causing undue financial and personal stress. 
Additionally, multiple inquiries have appeared on my credit report without my authorization. These inquiries include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  CRE XXXX, XXXX.XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX, and XXXX XXXX XXXX  XXXX These unauthorized inquiries violate XXXX. XXXX U.S.C. XXXX, FCRA XXXX ( a ) XXXX U.S.C. XXXX ( a ), and FCRA XXXX XXXX U.S.C. XXXX, and their continued presence is unfairly damaging my credit score and limiting my access to credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Subject : Mishandled Fraud Report - Wire Transfer Fraud Company : Bank of America Issue : Wire transfer fraud mishandled by bank Date of incident : XX/XX/year> Amount : {$7500.00} ( plus additional {$1300.00} on XX/XX/year> ) Detailed description : On XX/XX/year>, I sent a wire transfer of {$7500.00} to XXXX XXXX XXXX through Bank of America. This was part of an investment scam. 
I immediately contacted Bank of America and reported this as XXXX through their phone support with a translator. However, Bank of America incorrectly recorded my report as a refund request instead of a fraud case.

This mishandling caused a 3-month delay in investigation. I repeatedly contacted Bank of America asking why my fraud report was not being investigated. 
In XX/XX/year>, I insisted they correct this error. Bank of America admitted their mistake and said we apologize, we will now file a fraud investigation. 
Bank of America XXXX XXXX Bank ( where the recipient has an account ). XXXX confirmed : The account exists with large amounts of money The company XXXX XXXX XXXX XXXX ) does not answer their calls They are considering freezing the account However, the XXXX delay caused by XXXX XXXX XXXXXXXX XXXX XXXX have allowed the scammers to withdraw funds that could have been recovered if fraud was reported correctly in XXXX. 
I am requesting : XXXX. Bank of America conduct a full investigation XXXX. Bank of America assist in recovering my funds XXXX. Bank of America compensate me for losses caused by their negligence in mishandling my fraud report XXXX. Bank of America improve their fraud reporting procedures to prevent this from happening to others Total losses : {$8800.00} ( {$7500.00} + {$1300.00} ) This is part of a larger pig butchering investment scam where I lost over {$200000.00} total. 
I have : Transaction records Communication history with Bank of America Evidence of immediate fraud reporting Confirmation from Bank of America that they mishandled my case I have also filed reports with : FBI XXXX XXXXXXXX XXXX XXXXXXXX XXXX Police Department I am requesting CFPB assistance in holding Bank of America accountable for their negligence.

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 monetary relief
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate information on my credit report, which is being reported by [ Credit Bureau : Equifax/Experian/TransUnion ] . The items listed below are inaccurate, outdated, or not associated with me and violate my rights under the Fair Credit Reporting Act ( FCRA ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Current Last Payment : XX/XX/XXXX This account is reported as late closed ; however, my records indicate that all payments were made on time and the account was closed in good standing. Reporting this account inaccurately is harming my XXXX XXXX and misrepresents my payment history. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information with the credit bureaus, and they are required to conduct a reasonable investigation.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me and should not appear on my credit report. Under FCRA 604 ( a ) ( 3 ), inquiries require permissible purpose, and these inquiries do not meet that standard.

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 2025-10-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Subject : Dispute of Credit Report Information Dear Experian Dispute Department, I am writing to formally dispute certain information contained in my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) and my rights under 15 USC 1681 ( Section 604 ( a ) ( 2 ) ). The specific information I am disputing pertains to XXXX XXXX. 

Under Section 604 ( a ) ( 2 ) of the FCRA, a consumer reporting agency is prohibited from furnishing a consumer report without my written instructions. I believe that this act has been violated, as the account in question appears on my report without my consent or proper authorization. Furthermore, according to 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan in a manner that is detrimental to me as a consumer. 

I request that you investigate this matter thoroughly. Please provide me with a copy of the documentation you have on file regarding this account, including any evidence of my authorization for the reporting of this information. I also request that you remove or correct any inaccuracies related to this account in my credit report. 

In compliance with the FCRA, I expect your response within 30 days of receiving this letter. Please send me a written confirmation once the investigation has been completed, as well as an updated copy of my credit report, should any changes be made. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Subject : Dispute of Credit Report Information Dear Experian Dispute Department, I am writing to formally dispute certain information contained in my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) and my rights under 15 USC 1681 ( Section 604 ( a ) ( 2 ) ). The specific information I am disputing pertains to XXXX XXXX. 

Under Section 604 ( a ) ( 2 ) of the FCRA, a consumer reporting agency is prohibited from furnishing a consumer report without my written instructions. I believe that this act has been violated, as the account in question appears on my report without my consent or proper authorization. Furthermore, according to 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan in a manner that is detrimental to me as a consumer. 

I request that you investigate this matter thoroughly. Please provide me with a copy of the documentation you have on file regarding this account, including any evidence of my authorization for the reporting of this information. I also request that you remove or correct any inaccuracies related to this account in my credit report. 

In compliance with the FCRA, I expect your response within 30 days of receiving this letter. Please send me a written confirmation once the investigation has been completed, as well as an updated copy of my credit report, should any changes be made. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely,

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 2025-10-01 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: DC

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have asked the company to provide information for each late payment and inquiry in detail. PIease deIete these negative accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/year> To Whom It May Concern, ( XXXX, Experian, and TransUnion ) I am writing to formally dispute the furnishing and/or obtaining of my personal credit information without my explicit written consent, as required under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S. Code 1681b.

According to this statute, a consumer reporting agency may furnish a consumer report only under specific circumstances and, in many cases, only with the written authorization of the consumer. I have reviewed my credit report and identified inquiries and/or accounts that I did not authorize and for which I never provided written consent.

I am asserting my rights under federal law and requesting the following : A detailed list of all entities that have accessed or received my consumer report without my written permission.

The stated purpose for each such inquiry or furnishing.

Immediate removal of any unauthorized inquiries or accounts showing late payments on my credit file.

A reinvestigation of these entries in accordance with 15 U.S. Code 1681i.

Please consider this letter a formal dispute. I expect a response within the 30-day timeframe mandated by the FCRA. If you require additional documentation to process this dispute, please notify me immediately.

Thank you for your prompt attention to this matter. 

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 2025-10-01 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: FL

Complaint narrative:
I am submitting to formally dispute inaccurate personal and account information appearing on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PR XXXXThese addresses are incorrect and must be removed. Under the Fair Credit Reporting Act, I have the right to dispute any information I believe to be inaccurate. Section 609 ( a ) ( 1 ) ensures I may review and challenge incorrect identifiers, while Section 611 ( a ) ( 1 ) ( A ) requires you to investigate and delete unverifiable or inaccurate information within 30 days. Additionally, Section 607 ( b ) mandates that you maintain the maximum possible accuracy when reporting consumer information. I am also disputing the reporting of two charge-off accounts that appear on my credit report. The first is with XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX : {$0.00}. These accounts are either inaccurate, unverifiable, or misrepresented. According to FCRA Section 611, you are required to reinvestigate and remove any information that can not be confirmed as accurate. Additionally, Section 623 ( a ) ( 1 ) ( A ) prohibits data furnishers from continuing to report information they know to be incorrect.

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