vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my 2nd report on this company - XXXX XXXX XXXX XXXX XXXX  they have something going on with their reporting system. They are reporting that I am over my limit. They also reported to the credit bureau before their own payment system posted the payment to my account. My score is still dropping because I made my payment on the due date which was on a Saturday. So I am on hold for applying for anything b/c my score has dropped so much. Please they should not be allowed to post anything to the credit bureau until their system has posted. Please help me.

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 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP
State: CT

Complaint narrative:
On XX/XX/2025, I was the victim of a fraudulent XXXX transaction totaling {$150.00}. I had intended to purchase a mechanical keyboard from a user on XXXX, who used deceptive practices to fabricate a false description of the item. I provided clear and compelling evidence that the timestamp shared by the seller was manipulatedlikely generated using AI tools. This individual has a documented history of scamming others using similar tactics involving falsified timestamps. 

I initially contacted KeyBank to report the fraud and request assistance. However, my claim was dismissed with the explanation that " the transaction in question was processed appropriately according to the instructions received by KeyBank. '' This was my first attempt to resolve the issue. 

After receiving that response, I submitted a formal appeal, including additional screenshots and substantial evidence clearly indicating that the seller had no intention of fulfilling the transaction. Despite this, and after another week of review, I received the same boilerplate response. 

To be clear : I am not disputing that the transaction was processed. I am stating that the transaction was fraudulent. I was scammed, and I am requesting that the funds be returned due to the deceptive and dishonest nature of the exchange. 

Throughout this process, I have spoken to several representatives, including managers and staff at my local branch. Unfortunately, I have only encountered scripted replies from outsourced customer service agents, a lack of genuine engagement, and no meaningful effort to investigate the fraud. This experience has left me feeling frustrated, dismissed, and unsupported by KeyBank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-24 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Credit inquiries on my report without my consent or knowledge. From XXXX 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 2025-04-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Credit inquiries on my report without my consent or knowledge. From XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a personal loan with XXXX XXXX online and my credit was approved. I requested to sign the documents in the branch. So i made a appointment and went to XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. They had the documents ready for me to sign. 
i signed the documents which they didn't accept and shredded my Promissory Note they told me that i couldn't sign the way i did. they sent me to another branch at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I Request for TILA Act Disclosures and they denied my request by saying that they will give it after i sign the promissory Note. So i signed the documents and asked them to give me a copy of my signed promissory Note. but they had a copy ready for me. 
I had signed the document ( Without Recourse ) as they had breach the XXXX. 
Copy of signed documents and disclosures copy 's not provided. 
I have recorded the incident for my protection. 
I also took picture of the documents i signed i will upload here. 
They have breach the XXXX, Breach of Contract, Violation of 12 U.S 83 and 18 USC 894.

Please investigate into this matter and if you need more information please contact me. I will be reporting this matter to My congress Man as recommended by other branch CEO. also seek legal advice. 

Reference : XXXX XXXX Document Processed 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 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Credit inquiries on my report without my consent or knowledge. From XXXX 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 2025-04-25 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: GA

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
Consumer complaint received 2025-04-25 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:
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 2025-04-25 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: MD

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 2025-04-24 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

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, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX, XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lengenuity LLC
State: GA

Complaint narrative:
My credit is showing that I have defaulted on a car loan when Ive never had a loan with this lender. 

Would like documentation of loan application and please provide verification of debt owed.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/year> Capital One Bank Attn : XXXX XXXX XXXX XXXX Department XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Goodwill Request to Remove Negative Reporting from ChexSystems Account XXXX In : XXXX Dear Capital One Team, I hope this message finds you well. I am writing to respectfully request a goodwill adjustment concerning a charged-off checking account with Capital One ( account ending in XXXX ), which resulted in a negative entry being reported to ChexSystems. 

After reviewing my credit and banking history recently, I became aware of the outstanding balance of {$110.00} on this account. As soon as I noticed the issue, I immediately paid the full balance on XX/XX/year>, in good faith and with the sincere intent of resolving the matter responsibly. Please find attached screenshots confirming the payment and account balance resolution. 

I deeply apologize for the oversight that led to this situation. It was never my intention to allow the account to fall into negative standing. Life circumstances and a major health scare temporarily impacted my financial organization, but I am now committed to rebuilding and moving forward in a stable, responsible way. This negative record, however, is currently a major barrier to essential next steps in my life such as securing a bank account, obtaining a vehicle, and opening a business checking account for my small business. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that Capital One is not obligated to remove accurate information. However, it is also within your discretion to make goodwill adjustments based on individual circumstances. I am humbly asking that, given my prompt payment and sincere effort to resolve the matter, you consider removing the negative entry from ChexSystems as an act of goodwill. 

I genuinely appreciate your time and consideration of my request. If approved, this goodwill gesture would make a meaningful difference in my ability to move forward and rebuild. Thank you for your understanding and for any help you are able to extend. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with 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
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
To Whom It May Concern, This letter is being sent in regard to an item you have reported to the credit bureaus, which you claim is a valid debt owed by me. According to my credit report, you are attempting to collect on a debt that was purchased from another creditor, not originated by your company. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting full and proper validation of this debt. Additionally, under 15 U.S. Code 1692c ( c ), I am requesting that you cease all communication with me unless you are providing the requested validation or informing me of legal proceedings. 

As a debt buyer, you are required to provide the following documentation : XXXX. The name and contact information of the original creditor. 
XXXX. A copy of the original signed contract or agreement showing I am legally obligated to pay. 
XXXX. A full payment history, showing how the amount claimed was calculated. 
XXXX. A copy of the bill of sale or assignment showing the transfer of the debt from the original creditor to your company. 
XXXX. Proof that you are legally authorized to collect on this debt in my state. 

Until all of the above has been provided, you are not authorized to continue collection activity or to report this account to any credit bureau. If this debt is already listed on my credit report and you are unable to validate it, I am demanding that the tradeline be deleted immediately from all credit reporting agencies. 

Failure to comply with this request is a violation of the FDCPA and may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Please send all future correspondence regarding this matter to the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint for the reason they violating my rights to a through investigation.... method of verfication.... Chain of Assignment Foward Flow Agreement

Company response to consumer: Closed with explanation