vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$120.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX Open Date : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$9300.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX Open Date : XX/XX/XXXX Balance : {$290.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2000.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$380.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I am filing a complaint against Marcus by Goldman Sachs due to an extremely poor banking experience. My savings account, [ Your Account Number ], has been subjected to delayed communication, disrespectful customer service, and unauthorized financial actions.

The issues began when I initially linked the wrong external account, an error I corrected the same day. Marcus 's mail and email notifications about this issue arrived over a week later, long after the problem was resolved, making their messages confusing and useless. 

My attempts to file a complaint by phone were met with outright disrespect. When I asked to speak to a supervisor, the representative yelled at me and spoke over me, preventing me from explaining my concerns. 

A subsequent fraud alert on my account led to a needlessly long verification process. I was required to verify my identity twice, once with the initial operator and again with the fraud department, a process that took over 15 minutes. 

A week after the initial linking issue was resolved, Marcus inexplicably locked my account. I had to call again to regain access.

Finally, in a state of exasperation, I requested to close my account and have a check mailed to me. Marcus confirmed this action, yet the account remained open. On [ Date of additional withdrawal ], they withdrew an additional {$1000.00} without my authorization.

This series of events demonstrates a complete failure in Marcus 's operational and customer service standards.

Desired Resolution : 1. Immediate refund of the {$1000.00} incorrectly removed from my account.

2. A formal apology for the unprofessional treatment.

3. Confirmation in writing that my account is permanently closed with the final balance sent via check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MD

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I notice some accounts that I am not familiar with. I have requested full validation of debt from the credit reporting agencies ; however the information has not been provided.Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a screenshot showing my information being exposed in a national data breach, and a 605b attachment.

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 2025-09-15 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: MD

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I notice some accounts that I am not familiar with. I have requested full validation of debt from the credit reporting agencies ; however the information has not been provided.Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a screenshot showing my information being exposed in a national data breach, and a 605b attachment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: KEYCORP
State: NJ

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 
This is a formal complaint against KEYBANK NA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. 
Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

KEYBANK XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo foreclosed my property on XX/XX/XXXX without my lawyer or my knowledge and has just sent me a notification to auction my home on 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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX ________________________________________ To Whom It May Concern : I am writing to request a credit freeze ( also known as a security freeze ) be placed on my credit file. This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Please take the necessary steps to ensure that no creditor, lender, or third party may access my credit file without my direct authorization. 
________________________________________ Personal Information for Verification : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, NC XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX ________________________________________ Required Action : 1. Place a credit freeze on my file immediately.

2. Send written confirmation that the freeze has been applied, including instructions for how I may temporarily lift or permanently remove the freeze if needed in the future.

________________________________________ Notice : Failure to comply with this request may result in enforcement action through the Consumer Financial Protection Bureau ( CFPB ) or my State Attorney Generals Office.

Thank you for your prompt attention to this matter. 
________________________________________ Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
Hello, I am contacting because I want to dispute a debt with the amount of XXXX. On XX/XX/year>, I had paid for a XXXX XXXX membership. I paid for one month, then canceled my subscription. Despite my cancellation XXXX XXXX proceeded to attempt withdrawals from my bank account. I do not owe this debt, I paid my one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX Dear whom this may concern, Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act ofXX/XX/XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me
when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/year> a hacker posted as my old coworker friend, XXXX XXXX, who posted a car for sale and asked XXXX to hold the car. I sent XXXX dallors via chase by XXXX. I even asked what's my daughter 's first name and they got it right which threw me off because I rarely post her name on XXXX. After a couple hours they said another buyer was going to pay in full but if I want the car I can pay in full to get the car. I soon realized this was a scan abd requested a refund but they deactivated their account a couple minutes later. The zelle account they had me sent to was under the name XXXX XXXX phone number XXXX. I tried calling XXXX to reverse the transaction but they don't have the ability to so. I called chase fraud and they said to call zelle but to call back and open a claim if XXXX isn't successful. But at XXXX today on XX/XX/year> they're closed on Sunday so I have to try back tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: PA

Complaint narrative:
This letter serves as formal notice that I, XXXX XXXX XXXX, am a victim of identity theft, and fraudulent activity has been reported on my credit file. The following accounts, inquiries, and addresses were added without my knowledge or consent. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c-2 ], to demand that you : - Block and delete the listed accounts and inquiries, - Remove the fraudulent addresses, and- Complete this action within 4 business days from receipt of this letter and my supporting documentation. 
Fraudulent Personal Information to Be Blocked and Removed : XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXPer FCRA Section 605B , the credit bureaus are required to : - Block any account, inquiry, or personal information resulting from identity theft within 4 business days of receiving the request and proper documentation.- Notify all furnishers of the fraud and ensure the information is permanently suppressed from future reports.You are also obligated under : - FCRA 611 [ 15 U.S.C. 1681i ] Reasonable reinvestigation and deletion of unverifiable information.- FCRA 623 [ 15 U.S.C. 1681s2 ] Furnishers must not report inaccurate information after being notified.- FACTA ( Fair and Accurate Credit Transactions Act ) Identity theft victims are entitled to specific protections and expedited resolution.

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 2025-09-15 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: MS

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account name : XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$51.00} INQUIRIES : 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 2025-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
On the XX/XX/year>XXXX  my personal account at Discover Bank have an unauthorized transfer of {$180000.00} into my business account at XXXX XXXX  XXXX. From XXXX XXXX XXXXXXXX the Fund was illegally invoiced and paid to 11 transactions a total of {$180000.00}. I learned of the situation on XX/XX/year> from XXXX XXXX XXXX e-mail requesting a comfirmation of the large debits transaction and was able to reported in the illegal activities on my account. So far, XXXX XXXX XXXXXXXX have reimbursed 10 out of 11 transactions that was made. I am still waiting for the {$18000.00} was debited on XX/XX/year>. ( That was out of 48 hrs time required for reporting on my business account. ) The fact here is that the fund was in my personal saving to begin with and It's protected with the 60 days reporting rule of the ( EFTA ) but my Discover Bank refused to acknowledge that. I'll be calling them Monday morning to resolved the issue that I have already reported the XXXX unauthorized transaction of {$180000.00} on XX/XX/year> and {$14000.00} on XX/XX/year> to them and they're required to conduct an investigation that those unauthorized transactions. They tried to shift the liability to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SW CRDT SYS XXXX from XXXX I do not owe that much and would like that off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Chime Financial Inc
State: NV

Complaint narrative:
XX/XX/XXXXIm trying to get my first card for my account but I dont know how to get one'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Re : Federal Student Loans School : Corinthian Colleges Loan Servicer : Aidvantage Date of Discharge : XX/XX/year> My student loans were discharged XXXX of XXXX I have multiple emails from Department of Education notifying me of the discharge. I went to XXXX XXXX and the student loan discharge was processed through Borrower 's Defense. My communication states to stop making payments and that my loans would be placed in forbearance until the discharge is processed. 

Both Department of Education and Borrower 's Defense have sent real time electronic communications to my loan servicer notifying them of the discharge. Both have confirmed that my loan servicer received the messages. 

My loan servicer refuses to process my loan discharge. They refuse to put my loan in forbearance. They are still collecting payment on my account. They have sent me to collections. I am harassed every day by their collection agency. I have made many phone calls, sent multiple emails, submitted many cases, contacted them via chat and they give me a different answer every single time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Dear whom this may concern, Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Last XXXX SSN : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
A payment of XXXX was paid on XXXX  the XXXX. And payment of XXXX was paid. But they are telling me I overpaid my credit card and I can't use any of my money. I should be able to have access to my money when they process my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies appearing on my credit report that continue to damage my creditworthiness. Despite prior disputes, the credit reporting agencies have failed to correct or properly verify the following items : Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX These addresses are not mine and should not be associated with my file. Their continued reporting creates confusion and can link me to accounts I do not recognize. 
Accounts Reported with Errors : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} These accounts remain listed with derogatory remarks even though the balances are reported as {$0.00}, which is misleading and inaccurate. Inquiries & Accounts in XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief