vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OH

Complaint narrative:
I deposited a check into my KeyBank checking account, and it cleared on the issuing banks end on XX/XX/year>2025. Despite this, KeyBank placed a prolonged hold on the funds and has refused to release them. I have contacted the branch manager XXXX XXXX, at XXXX XXXX XXXX XXXX Ohio multiple times, both in person and by phone. He has refused to provide a written explanation for the hold or disclose the name and contact information of his supervisor. 

When I requested documentation or further justification for the hold, the manager stated that he was not allowed to provide anything in writing and instead said the check was held for probable cause because funds were not available at the time of deposit. However, the check was confirmed cleared by the issuing bank on XX/XX/scrub>, 2025, and I provided proof of this. 

I have also contacted KeyBanks corporate customer service, who informed me it may take another 23 business days to resolve, despite the fact that the check has already cleared. The police were called when I asked the manager to provide clear information in person at the branch. Now I cant return to have the only person with access, release my funds.

I believe this is a violation of Regulation CC, which governs funds availability, and the bank has failed to provide a legally sufficient explanation. I am requesting : Immediate release of my funds, A formal written explanation for the hold, And appropriate accountability for the lack of transparency and cooperation by KeyBank personnel.

This situation has caused me financial stress and hardship, and I am requesting the CFPBs assistance in resolving the matter quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To Whom It May Concern, This letter serves as my third and FINAL formal dispute and demand for the immediate deletion of the inaccurate and unauthorized account listed as XXXX XXXX  on my credit report, formal and final demand for the immediate removal of ALL unauthorized hard inquiries that have been fraudulently placed on my credit report without my knowledge, consent, or authorization. 

These hard inquiries were not initiated by me, and I have strong reason to believe my personal information was used without my permission in violation of my consumer rights under federal law. 

I have never applied for, agreed to, or authorized any account with XXXX XXXX. I hereby assert that the continued reporting of this account is a violation of my consumer rights under multiple federal statutes, including : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

FCRA 611 Right to Dispute Inaccurate Information FCRA 605B Blocking of Information Resulting from Identity Theft or Fraud FCRA 623 Duty of Furnishers to Report Accurate Information FCRA 1681n & 1681o Civil Liability for Willful and Negligent Noncompliance

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 2025-05-24 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: LA

Complaint narrative:
To Whom It May Concern, This letter serves as my third and FINAL formal dispute and demand for the immediate deletion of the inaccurate and unauthorized account listed as XXXX XXXX  on my credit report, formal and final demand for the immediate removal of ALL unauthorized hard inquiries that have been fraudulently placed on my credit report without my knowledge, consent, or authorization. 

These hard inquiries were not initiated by me, and I have strong reason to believe my personal information was used without my permission in violation of my consumer rights under federal law. 

I have never applied for, agreed to, or authorized any account with XXXX XXXX. I hereby assert that the continued reporting of this account is a violation of my consumer rights under multiple federal statutes, including : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

FCRA 611 Right to Dispute Inaccurate Information FCRA 605B Blocking of Information Resulting from Identity Theft or Fraud FCRA 623 Duty of Furnishers to Report Accurate Information FCRA 1681n & 1681o Civil Liability for Willful and Negligent Noncompliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: MO

Complaint narrative:
b'XX/XX/XXXX025XX/XX/XXXX\nXX/XX/XXXX/2025 $XX/XX/XXXX\XX/XX/XXXX2025 $XX/XX/XXXX\nXX/XX/XXXX2025 XX/XX/XXXX\nXX/XX/XXXX2025 XX/XX/XXXX\nXX/XX/XXXX2025 XX/XX/XXXX\nXX/XX/XXXX2025XX/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 2025-05-24 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: MO

Complaint narrative:
b'XX/XX/XXXX025XX/XX/XXXX\nXX/XX/XXXX/2025 $XX/XX/XXXX\XX/XX/XXXX2025 $XX/XX/XXXX\nXX/XX/XXXX2025 XX/XX/XXXX\nXX/XX/XXXX2025 XX/XX/XXXX\nXX/XX/XXXX2025 XX/XX/XXXX\nXX/XX/XXXX2025XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block. Inc. ) due to inadequate customer service b and unfair practices, customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
A member of my family was using my PayPal account to send money to another person. This individual has been sent money before on my account, however the money was sent to the wrong individual. Instead of money being sent to our XXXX  ( XXXX ) via friends and family, the money was sent to another XXXX something XXXX to ( XXXX or XXXX ). When we checked with the person to make sure they got the money, they insisted we hadn't. I couldn't find a way to see the email associated with the person until clicking no less than 50 times, and finally found this info in the app, though I can not pull it up again while writing this complaint. I attempted to cancel it, and couldn't. I tried to chat with PayPal and couldn't. I tried creating a complaint, but as I confirmed that the recent changes to my account were me ( which they WERE! ), PayPal immediately determined that my case ( XXXX ) was not unauthorized activity. I messaged the individual and asked them to return the money as they knew it wasn't theirs... they said " I'ma just wait and let them handle this. '' I informed them I would be at the local police station in XXXX Co, NY if the money was not returned, as well as at my bank and be dealing with PayPal as a last resort because this was sent Friends and Family late on a Friday night on a holiday weekend and PayPal isn't available to speak with NOW. I am GRAVELY concerned about the manner in which this was handled by PayPal, leaving me at the complete mercy of another human who has clearly stated they have no issues keeping the {$170.00} that DOES NOT BELONG TO THEM! 

It is beyond my comprehension who this is the way in which a sanctioned business operates in this country, and how and why there are no ways in which this can be easily resolved. As we will be at the police station and the bank first thing in the morning, I wanted to have this complaint on file and ready to hand them, in addition to the complaint I already filed with the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am currently in the process of enlisting in the XXXX XXXX military. As part of my background and financial review, I discovered that your company has reported one of my accounts as a charge-off/profit and loss write-off. However, I have not received a 1099-C form, which is required by the IRS if a debt of {$600.00} or more has been canceled or forgiven.

Furthermore, despite this charge-off status, the account continues to be updated monthly on my credit report as if it were active and still owed. This practice is misleading and may constitute inaccurate and inconsistent reporting in violation of the Fair Credit Reporting Act ( FCRA ).

Under the FCRA : 15 U.S.C. 1681s-2 prohibits the furnishing of inaccurate information to credit reporting agencies.

15 U.S.C. 1681e ( b ) requires furnishers to ensure maximum possible accuracy in reporting.

I am formally requesting that you : Provide written documentation verifying the current status of the account.

Send the appropriate 1099-C form, if applicable.

Cease all inaccurate or misleading monthly updates.

Provide a written response confirming any corrections made.

This information must be provided within 15 days of the date of this letter in order to comply with FCRA guidelines. Please consider this a formal dispute of the information currently being furnished.

Failure to comply may result in further action. Under the FCRA, I may be entitled to statutory damages if a creditor furnishes inaccurate information about a debtsuch as reporting a charge-off while still claiming the debt is owed and updating it monthly.

Thank you for your prompt attention to this matter. I expect your written response within 15 days

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 2025-05-24 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: MI

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Duvera Billing Services, LLC
State: TX

Complaint narrative:
On XX/XX/scrub> XXXXXXXX XXXXXXXX I had to have repairs done on my car and had to apply for a loan to get it done. 

I was approved for more than enough to cover my car, with a 90 day no interest option. 

I called back on the Monday that I thought was the XXXX day, was told that I had missed that by a day and that they were open XXXX hours, 7 days a week to take payments, but that I would be charged interest on my account - that's fine, my mistake. I did not think they were open on weekends. 

As it turns out, they are not open on weekends. I have tried multiple times to call for information. 

When I get through on a business day, I am placed on hold until either I have to hang up ( to do my job ) or until they hang up on me. 

I have emailed twice requesting my payoff amount - I have to use the form on the website to send an email, so I am not sure of the exact dates. 

The payoff amount, balance, interest, etc is not accessible on the portal or on any of the statements. 

The loan was predatory to begin with, but I had to have my car fixed. All I want now is to know exactly what it will take to pay it off because the payments and interest are astronomical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: MI

Complaint narrative:
XXXXGood day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act (FCRA) Section XXXXb, I have reported the incident to the Federal Trade Commission (FTC) through their website at XXXX According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed: XXXX XXXX  Balance Owed: XXXX XXXX XXXX Balance Owed: XXXX XXXX XXXX  Balance Owed: XXXX XXXX XXXX  Balance Owed: XXXX XXXX XXXX XXXX  Balance Owed: XXXX XXXX XXXX Balance Owed: XXXX XXXX XXXX   Balance Owed: XXXX XXXX XXXX XXXX  Balance Owed: XXXX XXXX XXXX XXXX  Balance Owed: XXXX XXXX XXXX  Balance Owed: XXXX XXXX XXXX Balance Owed: XXXX XXXX XXXX XXXX  Balance Owed: XXXX XXXX XXXX  Balance Owed: XXXX XXXX  Balance Owed: XXXX XXXX Bankruptcy XXXX  Date Filed/Reported 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXXGood day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act (FCRA) Section XXXXb, I have reported the incident to the Federal Trade Commission (FTC) through their website at XXXX According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed: XXXX XXXX  Balance Owed: XXXX XXXX XXXX Balance Owed: XXXX XXXX XXXX  Balance Owed: XXXX XXXX XXXX  Balance Owed: XXXX XXXX XXXX XXXX  Balance Owed: XXXX XXXX XXXX Balance Owed: XXXX XXXX XXXX   Balance Owed: XXXX XXXX XXXX XXXX  Balance Owed: XXXX XXXX XXXX XXXX  Balance Owed: XXXX XXXX XXXX  Balance Owed: XXXX XXXX XXXX Balance Owed: XXXX XXXX XXXX XXXX  Balance Owed: XXXX XXXX XXXX  Balance Owed: XXXX XXXX  Balance Owed: XXXX XXXX Bankruptcy XXXX  Date Filed/Reported 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 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

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 2025-05-24 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: IL

Complaint narrative:
I OBSERVED AN ACCOUNT ON MY CREDIT REPORT THAT HAD SURPASSED THE TIME PERIOD FOR REPORTING UNDER THE LAW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account Number XXXX * * * * I SUBMITTED A DISPUTE TO THE CREDIT BUREAU ( TRANSUNION ) SO THAT THE ACCOUNT COULD BE REMOVED, KEEPING IN MIND THAT THE OTHER CREDIT BUREAUS REMOVED THE ACCOUNT PER THE LAW. 

THE RESULTS OF THE INVESTIGATION WERE THAT THE ACCOUNT WAS VALID AND INSTEAD OF REMOVING IT, THEY UPDATED THE INFORMATION ON THE ACCOUNT TO REFLECT THE DATE THAT THE ACCOUNT WAS TRANSFERRED TO COLLECTIONS INSTEAD OF THE ORIGINAL DELINQUENCY DATE FROM THE ORIGINAL CREDITOR. 

THIS IS A VIOLATION OF THE LAW AND I HAVE SUGGESTED THIS TO THE CREDIT BUREAU AND THEY REFUSE TO ADDRESS THE SITUATION. 

THE INFORMATION THAT IS SHOWING AS OF NOW IS : Date OpenedXX/XX/XXXX Responsibility Individual Account Account Type open Loan Type DEBT BUYER Balance {$870.00} Original Amount {$870.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ( Banking ) Past Due {$870.00} I WISH FOR THIS TO BE INVESTIGATED AS THIS CREDIT BUREAU HAS REFUSED TO FOLLOW THE LAW AND PROTECT MY RIGHTS AS A CONSUMER.

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 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Portfolio Recovery Associates account XXXX XXXX l 'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete Account XXXX XXXXXXXX as soon as possible from my credit report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$930.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-05-24 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXX XXXX Credit Reporting Agencies and XXXX found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$6700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX  XXXX XXXX XXXXXXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation