vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX, XXXX, ID, XXXX XXXX XXXX XXXX XXXX, XXXX, ID, XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance ; {$1900.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} Original creditor XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX, XXXX, ID, XXXX XXXX XXXX XXXX XXXX, XXXX, ID, XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance ; {$1900.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} Original creditor 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 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I contacted MoneyGram on XXXX to cancel a transaction. The agent repeatedly asked for the receivers grandfathers name, which I believe is not a standard verification question. When I questioned it, the agent was dismissive and unhelpful. I then asked for his full name or identification, but he refused to provide it. This behavior felt harassing, unprofessional, and suspicious. I request an investigation into this incident and clarification of MoneyGrams official cancellation verification procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
Company report XXXX owed review notification from rental property no debt or balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP
State: CO

Complaint narrative:
On XX/XX/year>, I purchased a car stereo for {$550.00} from a merchant on XXXX. The product arrived defective and did not work as advertised, making it a case of XXXX XXXX. After multiple failed attempts to resolve the issue with the vendor and XXXXXXXX XXXX executive response team, I initiated a debit card dispute with KeyBank on XX/XX/year>. The assigned claim number is XXXX. I submitted a complete package of supporting evidence to the bank on XX/XX/year>. 

On XX/XX/year>, KeyBank denied the claim by reversing the provisional credit. The bank 's stated reason via telephone for the denial was that the merchant 's 30-day return window had expired. This reason did not address the grounds of my claim, which was based on the product being defective and misrepresented on the XXXX webpage. 

Following the reversal, KeyBank charged my account {$40.00} in overdraft fees. This issue began in XXXX XXXX, when I was inquiring about a car loan at a KeyBank branch. I was persuaded by branch staff to change my account type with the justification that it would improve my loan eligibility. It was not disclosed that this change would remove the overdraft protection feature on my account. This resulted in the invalidation of my debit card. Subsequently, I began receiving collections notices, including an email threatening to report the negative balance to ChexSystems, while the matter was still under a valid dispute. 

I filed a formal appeal on XX/XX/year>. On XX/XX/year>, a KeyBank representative responded in writing with a final denial. In this response, the representative stated that " quality of merchandise or service does not have dispute rights ''. In the same communication, the bank did not provide a copy of my account agreement when requested, instead instructing me to go to a branch to obtain it. 

To summarize, KeyBank has : 1. Denied a " Not as Described '' chargeback that was supported by evidence.

2. Provided a factually incorrect reason for the appeal denial in writing.

3. Charged overdraft fees to an account that was changed without full disclosure of its new terms.

4. Sent collections notices threatening a XXXX  report while the dispute was under a formal appeal.

5. Declined to provide the account agreement and instructed me to resolve the issue at a local branch.

I am requesting an immediate and permanent credit of {$550.00} for the disputed transaction and a full reversal of the {$40.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
This correspondence serves as my fourth formal dispute regarding inaccurate, misleading, and unverifiable items that continue to appear on my credit report despite previous investigations. I am not requesting a correction or update. This is a final demand for permanent removal of the accounts and inquiries listed below due to ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX ( XXXX XXXX : XXXX ) Account XXXX. XXXX XXXX XXXX : {$75.00} This collection account is reported without proper validation or lawful verification. Under the Fair Debt Collection Practices Act, including the provisions under Section 807 ( 15 U.S.C. 1692e ), debt collectors are strictly prohibited from using any false, deceptive, or misleading representation in connection with the collection of any debt. Reporting or attempting to collect on an account that has not been fully verified or validated constitutes deceptive practice under this provision. 
Furthermore, Section 809 ( 15 U.S.C. 1692g ) mandates that debt collectors provide full written validation of any alleged debt upon request. To date, I have not received any proper validation, original documentation, or lawful evidence proving that this debt is owed or collectible. Continuing to report this collection violates federal law, as it misrepresents the accuracy and legitimacy of the alleged obligation. 
Additionally, under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ), any consumer information that can not be verified or that is the result of fraudulent or incomplete data must be permanently blocked from a consumer file. Since this collection remains unverifiable after multiple disputes, the only compliant action under the law is permanent deletion from all credit files. 
Inquiry in Dispute XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX Date of Inquiry : XX/XX/year> These inquiries was made without permissible purpose or consumer authorization. According to the Fair Credit Reporting Act, access to a consumer report must be strictly limited to situations defined under Section 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), which permits inquiries only for legitimate credit, employment, or insurance purposes. Additionally, Section 604 ( f ) ( 15 U.S.C. 1681b ( f ) ) explicitly prohibits obtaining a consumer report without a permissible purpose.

Moreover, Section 619 ( 15 U.S.C. 1681q ) criminalizes any knowing and willful attempt to obtain a consumer report under false pretenses. Any inquiry or access made without prior consent or a lawful purpose constitutes a direct violation of this statute and must be permanently deleted.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) in connection with multiple prior disputes I have submitted. It has been over 35 days since my most recent dispute, and all three credit bureaus have failed to remove, correct, or provide any valid documentation verifying the continued reporting of the following inaccurate and unauthorized items : Unauthorized inquiry XXXX XXXX XX/XX/XXXX Unauthorized inquiry XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry XXXX XXXX XXXXXX/XX/XXXX Late payment ( open ) XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payment ( open ) XXXX  XXXX XXXX  XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized inquiry XXXX XX/XX/XXXX Unauthorized inquiry XXXX XX/XX/XXXX Despite multiple notices, none of the credit bureaus have provided the required documentation or verification methods supporting these accounts or inquiries. This continued inaction violates the following provisions of the FCRA : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy Each bureau has failed to provide the following as required under federal law : A clear explanation of the procedures used in the reinvestigation process Documentation relied upon to verify the disputed items Complete contact information for the data furnishers involved Their ongoing reporting of inaccurate and unverifiable information has caused continued harm to my creditworthiness. I have made multiple good faith attempts to resolve this matter directly with each bureau, but my disputes remain unresolved.

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 2025-10-17 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: TX

Complaint narrative:
I am submitting to formally dispute multiple unauthorized inquiries that appear on my credit report. These inquiries were made without my knowledge or permission, and I believe they may be the result of identity theft or other unauthorized activity. According to the Fair Credit Reporting Act ( FCRA 1681b ), consumer reporting agencies may only furnish a credit report if there is a permissible purpose, such as a legitimate application for credit or services, and only with the consumers explicit authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I previously submitted an FTC Report through the Federal Trade Commission ( FTC ) in connection with related issues. However, I understand that the FTCs reporting system is currently shut down or unavailable, which prevents me from submitting a new report or updating the previous one. As a result, I am referencing the existing FTC identity theft report that was filed earlier and reaffirming my claim that these inquiries were unauthorized.

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 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I feel totally helpless knowing criminals have used my information, and I never agreed to any of this. My peace of mind is gone. I am a victim, and these fake accounts need to be taken off my report right now. XXXX has already responded to me confirming that there is no information in their systems proving that this account belongs to me. Please help me by honoring their statement and removing this fraudulent account immediately. Please, I'm completely desperate! My credit report is a disasterit 's showing multiple fraudulent accounts that I never opened, never authorized, and have absolutely nothing to do with! This isn't just a mistake, this is identity theft, and it's destroying my peace of mind and causing serious problems. I feel helpless and overwhelmed by all of this, and I never agreed to any of it. I need this nightmare to end now. The false accounts on my report are : XXXX  - Personal Loan - Opened on XX/XX/XXXX ; XXXX - Personal Loan - Opened 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 2025-10-17 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: EQUIFAX, INC.
State: AK

Complaint narrative:
I am submitting this XXXXround dispute after carefully reviewing the results of your previous investigation. Despite my prior correspondence, several accounts on my Experian, Equifax and TransUnion credit report remain inaccurately reported, which continues to misrepresent my payment history and overall creditworthiness. I am respectfully requesting a thorough reinvestigation and correction of the following accounts in compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$84.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$91.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I did a loan to pay my lease and they didnt include the tax on the loan, and never removed the name from the lease owner to the loan owner. Now I finish paying my loan and cant register the car because both banks are in the title and they only said bank XXXX have to do it and the other said bank XXXX have to do it. Now Im paying late fees at the DMV

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
This is not my account and is violating my rights and privacy. This false account needs to be removed immediately or I will have to take further action as this is negatively affecting my life. I sent a letter to the creditor requesting the original contract with my signature and nothing was produced. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MA

Complaint narrative:
o Whom It May Concern : I am writing to file a formal complaint against Chime Bank regarding unauthorized transactions that occurred on my account between XX/XX/year>, and XX/XX/year>. My account was compromised, and I believe I was hacked possibly through my email or another source beyond my control. I did not authorize any of these transactions. 

The following unauthorized payments were made through my account to a user listed as XXXX XXXX ( $ XXXX ) : XX/XX/year> : {$33.00} {$40.00} {$50.00} XX/XX/year> : {$40.00} {$120.00} {$50.00} {$40.00} {$120.00} All of these transactions were made without my knowledge or consent. Despite contacting Chime to dispute these charges, I have not received proper assistance or reimbursement.

Under the Electronic Fund Transfer Act ( EFTA ), financial institutions are required to promptly investigate unauthorized transactions and provide provisional credit to consumers while the investigation is being completed. I have not received any provisional credit, and my account remains unreimbursed. 

I have also seen numerous federal complaints from other consumers reporting similar experiences with Chime, which shows a pattern of failure to protect customers and resolve fraud cases properly. As a loyal customer, I trusted Chime to safeguard my funds, and I believe they have failed to uphold that duty.

I am requesting that Chime : 1. Provide provisional credit immediately, as required by law.

2. Fully investigate my case under EFTA guidelines.

3. Reimburse all unauthorized transactions from XX/XX/XXXX and XXXX, XXXX. 
XXXX. Strengthen account security to prevent further unauthorized access. 

I appreciate your prompt attention to this matter and request an immediate resolution and refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I received a Notice of Sale and Assignment of Account from Absolute Resolutions Investments , LLC referencing an alleged account originally with XXXX XXXX XXXX XXXX. I dispute this claim entirely and have not granted permission to XXXX XXXX XXXX XXXX, Absolute Resolutions Investments , LLC, or any affiliate to disclose, sell, transfer, or use my personal information in any manner. Despite this, XXXX XXXX  contacted me directly using my private data ( including my name, email, and other personal identifiers ) without authorization.

This communication constitutes unauthorized use of my personal information and violates multiple consumer protection laws, including the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e & 1692f ) for false and deceptive representation, and the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) for obtaining or using consumer information without a permissible purpose. Additionally, these actions violate provisions of the Uniform Commercial Code ( UCC 1-201, 1-203, 2-302, and 2-314 ), which require good faith, fair dealing, and prohibit unconscionable or fraudulent practices.

I am requesting that the CFPB investigate Absolute Resolutions Investments , LLC for the unauthorized access, transfer, and use of my personal information and require the company to delete all unlawfully obtained data, cease all further contact, and provide written confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Its becoming predatory if youre gon na charge me overdraft fee at least let me get my head above water first not charging me when Im negative. This is absolutely insane. Its cruel and its {$1.00} billion company taking money from someone who has none. 
I can not wait to switch banks once I get my finances turned around, and I will alert the media of this predatory behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-17 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: NV

Complaint narrative:
I'm feeling overwhelmed and deeply concerned. These accounts and inquiries showing up on my credit report are not mine. I've been a victim of identity theft, and this situation is completely out of my control. It's not just numbers on a reportit 's affecting my daily life, my peace of mind, and creating stress within my personal and family life. I never authorized any of this activity, and I'm genuinely struggling with the emotional and practical impact of this fraud. I urgently ask that all these fraudulent items be BLOCKED AND REMOVED from my credit file, including the following accounts : XXXX XXXX XXXX ( Credit card - XX/XX/XXXX ), XXXX XXXX  # XXXX ( Credit card - XX/XX/XXXX ), XXXX  XXXX # XXXX ( Credit card - XX/XX/XXXX ), XXXX XXXX # XXXX ( Lease - XX/XX/XXXX ), XXXX XXXX  # XXXX ( Credit card - XX/XX/XXXX ), XXXX XXXX # XXXX ( Lease - XX/XX/XXXX ), XXXX XXXX  ( Credit card - XX/XX/XXXX ), XXXX ( Collection - XXXX XXXX ), and XXXX  XXXX # XXXX ( Credit card - XX/XX/XXXX ). I never requested these and I need them gone permanently. Please help me correct my file so I can start healing and move forward.

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 2025-10-17 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: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.

Company response to consumer: Closed with explanation