vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: KEYCORP
State: WA

Complaint narrative:
Keybank has been completely unprofessional due to my first complaint back on XX/XX/XXXX. I recieved a XXXX dollar settlement on XX/XX/2025 and was targeted and my phone was hacked/ XXXX swapped i believe and XXXX accts, XXXX accts, and all my information including my online banking was compromised. Passwords were changed to keep me out, and emails were also changed there for i never recieved the emails of any activity that was going on because the intruder. They set up up thirs party accts like square.up.com and also another cash app with another card linked to my debit card and bank details under a square acct and made purchases through fake businesses using the other card that was also attached and it went to the cash app. I cant get any information on the acct holder because I was not the acct holder they just had my bank details and card details attached that were STOLEN from me yet I couldn't get any information or my funds back due to the negligence of my key bank, they then withheld the rest of my money I had in my new accts that I had created and then closed those accts as well as my compromised accts and since then I have recieved no help from them!. I should be insured through the EFTA but still have recieved nothing. Im being treated poorly. Ive reported this to multiple agencies, and froze my credit through all three bureaus and im at my last straw. Bills are piling up, im single mother and im about to loose my house due to an eviction notice and also my storage is about to be auction as well. I trusted this bank with my money, and they have failed me and allowed an intruder to take my funds, about XXXX XXXX dollars is missing if not more. I demand this to be taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Company : Citibank Product : Credit Card Issue : Billing dispute Unauthorized charge / No goods or services received Amount : {$400.00} Transaction date : XX/XX/year> Summary of the Problem : On XX/XX/year>, a {$400.00} charge from XXXX appeared on my Citi account. I never authorized this charge, never received any booking confirmation, receipt, or services, and I never provided XXXX with my card information. This is an unauthorized charge and should have been handled under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 
I contacted XXXX immediately. Their own representative told me to dispute the charge through Citi. Citi initially issued a provisional credit, then reversed it after XXXX represented the charge. This reversal left my account negative by {$400.00}. 

Critical Additional Fact : The debit card that XXXX charged had already been terminated, and Citi had issued me a new card before the disputed transaction date. It should not have been possible for this charge to go through on a closed card. This raises serious concerns of either a processing error or unauthorized use of outdated card credentials. Citi has not addressed this issue despite its significance. 

Reversal : Citi never provided written notice that the provisional credit was being reversed. I only discovered the reversal after the funds were removed from my account, leaving my balance negative. Under billing error resolution rules, Citi is required to provide timely written notice explaining the results of the investigation and the reasons for reversing any provisional credit. Not even a phone call to me was placed. This was never done. This lack of disclosure not only caused financial harm but also prevented me from reviewing or appealing their decision before the reversal occurred.

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 2025-10-03 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-03 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-03 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
Summary of Complaint : On XX/XX/year>, a Bill of Exchange in the amount of {$12000.00} was lawfully tendered to AHFC as settlement of the above account. Delivery was confirmed by XXXX XXXX Mail ( Receipt XXXX ). An Affidavit of Presentment accompanies the tender. 
On XX/XX/year>, AHFC issued a rejection letter, stating the tender had 'no legal effect. ' AHFC failed to provide a verified accounting, promissory note, or chain of custody. 
This constitutes commercial dishonor and is in violation of federal consumer financial protection statutes. 

Federal Laws Violated : - Truth in Lending Act ( TILA ), 15 U.S.C. 1635, 1640- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, 1692f - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 - Federal Trade Commission Act ( 15 U.S.C. 45 ) - CFPB Enforcement Authority ( 12 U.S.C. 5511, 5531 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: AL

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : CXXXX 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 non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/year>. Wire for XXXX sent to Chase bank. To the account of Tonewave pro .. Funds were to be transferred to another comapny. They were withdrawan nad the account closed. I had XXXXXXXX XXXX issue a recall per instruction from the final destination company- XXXX. Eventually XXXX reopened the account and deposited the funds. This is what I was told. I was advised the the funds were transferred to an intermediary bank and that is why Chase could not get them returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: MS

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: NY

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year>

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 2025-10-03 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: GA

Complaint narrative:
I am writing to dispute a late payment that appears on my credit report related to my account with XXXX XXXX XXXX On [ Insert Original Payment Date ], I initiated a payment to ensure my account remained in good standing. That payment was later removed by the company. Once I was made aware of this, I immediately made the payment again to prevent it from being late. 

The company confirmed that the payment was received and that my account was not considered late. However, due to a delay in their system update, the payment was still reported as late to the credit bureaus. 

This late payment does not accurately reflect my payment behavior or intent, as I took immediate action to resolve the issue and ensure timely payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
on XXXX the XXXX XXXXXXXX XXXX this vehicle was finance thru GM Financial but unfortunately it was a Lemon ( Defective Truck ) on XXXX XXXX so XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga took the Vehicle back because of the Defective Issues prohibiting from operating.. Lemon Law. The Purchase and Sales Agreement Was Considered a Flat Cancellation ( evidence Provided ) I have asked GM Financial to Remove This Vehicle because I it no longer in my possession.They have refused and was so quickly to report this on my credit and i didnt even have the truck 2 days Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: TX

Complaint narrative:
I placed order # XXXX with XXXX on XX/XX/year> totaling {$640.00}. I paid using Klarna in XXXX installments. 

The issue : XXXX shipped me completely incorrect items ( random adult sizes instead of childrens clothing I ordered ). 
I immediately returned the entire order using XXXX prepaid return label. 
Klarna confirmed my dispute and paused payments. 
XXXX confirmed they received my return, but instead of refunding {$640.00}, they only refunded {$2.00}. 
I have proof : order invoice, photos of incorrect items, tracking confirmation of return delivery, and a video screen recording showing XXXX system marked the items as refunded. 
Despite this, XXXX keeps giving contradictory excuses ( items not received, items missing, need package weight, items are awaiting inspection, etc. ), which is impossible since they generated the prepaid return label and already have full tracking and package weight from the courier. 

This is unfair and deceptive business practice : XXXX acknowledged the return yet refuses to process the refund. Klarna has paused payments, but they are now threatening to draft the next installment on XX/XX/year>, even though the refund has not been resolved. I even spoke with a representative who said its considered an incorrect invoice and should have been suspended immediately. Which has yet to happen. 

Requested Resolution : Require XXXX to immediately process the full refund of {$640.00}. 
Require Klarna to permanently pause and/or cancel billing until the refund is completed. 
Prevent further drafts from my account until this dispute is resolved. 

Supporting Documents Available : Order invoice ( {$640.00} ) Proof of incorrect items received Return tracking confirmation ( delivered ) Partial refund record ( {$2.00} ) Screenshots & video of XXXX confirming return/refund in system, Klarna validating the return, all of XXXX contradictory communication.

Company response to consumer: Closed with explanation