vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: KEYCORP
State: FL

Complaint narrative:
This account was originally a federal student loan that was refinanced into a private loan by XXXX XXXXKeyBank . I am disputing the reporting due to inaccurate and incomplete information. I was not informed that refinancing would permanently eliminate my eligibility for federal loan forgiveness under the Public Service Loan Forgiveness ( PSLF ) program. I believe this lender specifically targeted me as a public service worker. 

I am now being sued for a debt I can not afford, and I believe the reporting is both harmful and misleading. On XX/XX/year>, I made a payment of {$400.00} to XXXX, the federal loan servicer, as part of my ongoing efforts to manage my student loan. However, just 17 days later, on XX/XX/year>, I was informed that my loan was being sent to a collection agency. This sudden action was taken without adequate notice or an opportunity for me to address any alleged issues. 

These circumstances raise serious concerns about the accuracy and timing of the loans transfer from XXXX to KeyBank/XXXX XXXXXXXX and suggest mishandling or unfair debt collection practices. I believe this treatment was unfair and misleading, especially considering my efforts to keep up with payments and my status as a nurse actively seeking hardship relief during this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name 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  Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$520.00} and XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$620.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

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 2025-06-29 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: SC

Complaint narrative:
I am raising this complaint because the credit bureaus have failed to meet their responsibilities under the Fair Credit Reporting Act ( FCRA ). Although I submitted disputes identifying inaccurate and harmful information on my credit report, the bureaus did not conduct a proper or meaningful investigation. These disputed items remain, despite lacking proper verification, resulting in unfair damage to my credit score and ongoing financial and personal hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am contacting you to dispute fraudulent items on my credit report, which I believe stem from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC identity theft report ( FTC Report Number : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked. 
I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent inquiries that are not associated with me. All necessary documentation is Included in this packet, and copies have been sent to your agency both via Certified Mail. 
In addition, I request the immediate removal of the following fraudulent INQUIRIES from my credit report. 
HARD INQUIRIES : 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

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 2025-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
On XX/XX/2025, I visited XXXX XXXX XXXX in XXXX, New Jersey to look at a vehicle. We discussed financing, and I was given a price I agreed on. However, when they presented the contract, the price was increased by over {$5000.00}, and they added a warranty I clearly said I didnt want. They told me I had to take the warranty and keep it for at least one month in order to buy the car. 

I told them I was not okay with the changes and did not sign the final sales contract. I never took possession of the vehicle and made it clear I was not going forward with the purchase. 

Later, I began receiving calls from Westlake Financial asking me to pay for a loan I never agreed to. I contacted Westlake and requested proof of my signature and delivery of the car. They did not provide this.

Now this loan is on my credit report, and Im being told I owe for something I never agreed to. This was done without my full consent and possibly through misrepresentation by the dealer. Im asking for this loan to be removed from my credit and for all collections to stop immediately.

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 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Consumer Narrative for CFPB Complaint Portfolio Recovery Associates ( Multiple Accounts ) Portfolio Recovery - {$720.00} Portfolio Recovery - {$4200.00} Portfolio Recovery - {$1000.00} I am submitting this formal complaint against Portfolio Recovery Associates ( PRA ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and failure to comply with federal requirements for debt validation across several accounts that they have reported to the credit bureaus. 

I sent formal debt validation letters to PRA by certified mail for each of the following accounts. They received these letters, but have not responded with any proper validation or documentation proving they own the debts, nor have they provided chain of title, original contracts, or itemized statements. Instead, they continue to report these accounts to the credit bureaus as disputed by consumer while failing to validate the debts which is a clear violation of both 15 U.S.C. 1692g and FCRA obligations under 623.

Additionally, my credit score dropped significantly ( from approximately XXXX to XXXX ) as a direct result of these unvalidated accounts being reported, causing material harm. 

Furthermore, I believe PRA does not have legal standing to collect on these debts. In one case ( the {$5600.00} account already subject to a separate complaint ), they only provided documentation after filing a lawsuit, which proves they were attempting to collect before validation further supporting a pattern of behavior across all accounts. 

I demand the following : PRA provide full validation for each account, including : Proof of ownership Original creditor agreements Chain of assignment Itemized breakdown of charges If they can not provide such validation, they must : Immediately delete the accounts from all credit reporting agencies Cease collection efforts on these accounts Cease false or misleading credit reporting activity I am also requesting a full investigation by CFPB into PRAs pattern of reporting unvalidated debts and continuing collections without documentation. 

Please be advised : I am prepared to invoke binding arbitration under the original creditor contracts if PRA does not comply or continues unlawful collection efforts. I have already filed arbitration against PRA for one account and am prepared to initiate proceedings for the remaining ones if necessary. 

Thank you for your assistance in holding Portfolio Recovery Associates accountable for these ongoing violations. 

Let me know if you want to : Add certified mail tracking numbers Add specific account numbers ( redacted or partial ) Submit these as separate complaints or one combined

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX {$0.00} UNAUTHORIZED INQUIRIES : 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 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: MN

Complaint narrative:
I signed up with XXXX XXXX XXXX on XX/XX/year>. I received my XXXX XX/XX/year>. XXXX XXXX XXXX filed for bankruptcy on XX/XX/year> and then shut down business XX/XX/year>. XXXX XXXX XXXX promised a XXXX experience from start to finish. They had a XXXX XXXX Guarantee that promises a 30 Day Money-Back Promise as well as XXXX XXXX  during and after the treatment. Because XXXX XXXX XXXX XXXXlosed down within weeks of me recieving my treatment, I did not receive the service and product that I paid for. I recently received an email from TekCollect trying to collect {$540.00}. I am not sure how they came up with that number, and I also don't believe I should have to pay a debt to a company that no longer exists, and a company who failed to provide the service I paid for. Especially since I received my XXXX, and they closed down within that 30 Day Money-Back period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/year> a fraudulent credit card account by XXXX was opened without my consent or acknowledgment. This account was open fraudulently and remained opened for quite awhile without my knowledge.

I am reporting this account as invalidated and fraudulent.

The account is by XXXX. Charge off account with account number : XXXX So far, Ive disputed this account with XXXX  and they have helped me by deleting it. But XXXX  and XXXX  are still reporting it.

Please help me in removing this invalidated account off my credit right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : Furnisher Name : XXXX. XXXX, XXXX. Original Creditor : XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2400.00} Status : Collection account {$2400.00} past due Last Updated : XX/XX/year> Reporting Bureau : Experian Dispute Basis : Newly added collection not recognized or verified by consumer. Potentially inaccurate or unverifiable under FCRA 1681. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719. I presume that no Proof of the alleged debt, nor therefore any such debt, in fact thereof exist.

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 2025-06-29 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: VA

Complaint narrative:
I dont agree with the accounts listed below, which still appears on my credit report even after Experians investigation. I am requesting this account be immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, in accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611 A-D, I request the names and business addresses of each individual or entity with whom Experian verified this account, so I may follow up.

Please send me an updated credit report after you complete your reinvestigation and corrections. This account must be removed if it can not be fully verified.

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 2025-06-29 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX * * BALANCE : {$14000.00}, GET IT NOW XXXX XXXX XXXX BALANCE : {$2500.00}, XXXX XXXX XXXX XXXX XXXX  BALANCE : {$3100.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX BALANCE : {$530.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX BALANCE : {$1800.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

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 2025-06-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year>, I called BMO bank customer service during business hours to request an expedited refund for a newly cancelled charge. The representative said " Sure, I will help.you with this. '' Then the representative asked me " Can you give me your verbal passcode? '' I gave her what I am sure is the most recent phrase I chose as my " verbal passcode ''. She said it was incorrect, even though I know it is, and restricted my customer service relationship with the bank. Apparently any customer service representative is given this authority. I either had to fill out a notarized identity verification form that was sent to my email address, or go directly to a physical branch location to be verified. I had trouble filling out the complicated process of the verification form. The problem for me going in person to a branch is that I do n't drive, I don't have a ride, I have XXXX and am in pain. I can't understand why a manager can not listen to a voice ID recording of the call, and verify that my passcode is correct. Coincidentally, when I attempted to fill out the digital verification form, I was directed to a message center and asked to create a password that was not related to my online account. If the wrong customer service representative wanted to hurt me, she certainly did.

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 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I recently discovered that my CareCredit card was charging a monthly fee I never knowingly agreed to or authorized. This appears to be a card security or service-related fee. I was not aware that I had opted into any monthly fee program, and I do not recall seeing this during account setup. I am also not aware what interest charge on purchases means? 

I have an automatic payment set up and failed to adequately monitor the transactions. I knew I would not be using the card so just was focused on paying it off. Hard lesson learned and it is now negatively affecting my credit score. 

After researching this, I found numerous other customers have had this same issuebeing auto-enrolled into a monthly charge without clear, affirmative consent. Several XXXX users, complaint boards, and even CFPB enforcement actions support this. 

In fact, in XXXX and again in XXXX, the CFPB penalized CareCredit and Synchrony Bank ( formerly GE Capital ) for deceptive enrollment practices and lack of proper disclosureresulting in over {$34.00} XXXX in restitution to consumers. The ongoing nature of these complaints suggests the problem persists. 

I request a full refund of any unauthorized fees, an immediate cancellation of any such services, and a written assurance that no further charges of this kind will be billed to my account. 

I am reporting this not only for resolution but to assist in identifying what appears to be a recurring, systemic issue affecting many consumers.

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 monetary relief