vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
I am filing this complaint regarding First Tech Federal Credit Unions handling of my personal loan application, which I believe was improperly and discriminatorily denied in violation of fair lending practices and possibly the Equal Credit Opportunity Act ( ECOA ).

I was verbally informed by the loan officer that my denial was due to my student loan debt-to-income ratio. However, my student loans are either current or in deferment and are not in defaultconditions which, under federal lending guidelines, should not automatically disqualify an applicant without a full underwriting review. Furthermore, despite providing verifiable income from lawful self-employment, I was not granted the opportunity to submit additional documentation or clarify my financial eligibility before the loan was denied. 

I later learned from a representative ( XXXX ) that my application was auto-processed and denied without ever being reviewed by an underwriting team, which raises concerns about whether First Tech relies on discriminatory or flawed automated decision-making systems that disparately impact low-income and minority applicants.

Additionally, the same loan officer shared anecdotes of other applicants who were given opportunities to explain application errors or resubmit documentation and were ultimately approved. I was not offered the same chance, despite requesting further review. This kind of disparate treatment strongly suggests a pattern of bias, whether based on race, income status, or perceived creditworthiness outside of objective metrics. 

I also requested a copy of the original loan application that was submitted on my behalf by a First Tech employee. That request has not been fulfilled. I have a legal right to review any document submitted in my name, especially where it pertains to a credit denial and a hard credit inquiry. 

Finally, I was subjected to a hard inquiry on my credit report, despite the loan being denied without manual consideration or full review. This constitutes unjustified harm to my credit profile and is particularly harmful to applicants like myself, who already face disproportionate barriers in accessing financial capital.

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WAFD BANK
State: WA

Complaint narrative:
I opened a checking account at WaFd banks ' XXXX Oregon location in XXXX of this year. I deposited XXXX ( XXXX ) convinience checks wrote to me by my mom from her XXXX XXXX  and XXXX XXXX  credit accounts respectfuly. One was for {$4300.00} and the other was for less. After i deposited the second check i was told by the teller that their would be a hold placed until the check cleared, which according to the tell would take sometime between 3 to 5 days and i said that yes thats fine. The check cleared, however since the date i deposited that check i have been completely locked out of my account. I went into the XXXX branch to see what the issue was and they said that the fraud department locked my account for suspicious activity to wit the checks i deposited. Since than, i have called the bank asking for updates almost daily, i have sent multiple documents proving the reason for the deposits and my mom has also sent copys of photo ID as well as written and signed statements saying that she wrote me said check and has included her bank statements reflecting those transactions from both of her banks. 
I have not had any access to my account for over a month. And i am late on bills because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Someone made a PayPal under my name that I didnt know about and that got my PayPal permanently closed. My PayPal has {$1500.00} in it and I need to be able to pay my rent and buy groceries for my family. They said I have to wait 120 days to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-20 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: NJ

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-20 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
i was charged for a product that never arrived. I asked my bank to help with recovering the funds, my bank had me fill out a report, but the dispute appears to have stalled. 
i have spoken with Truist customer service on several occasions via phone calls, emails and online chats. but i keep getting different excuses. 
the last time i called the customer service rep added that it now may take another 120 days. 

this bank was not my choice, i got stuck with truist when they merged with my bank. truist is a huge pain to get any help from.

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 2025-05-20 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Collection Account under 15 U.S.C. 1681s-2 Dear Sir/Madam, I am writing to dispute the accuracy of information being reported regarding a collection account listed on my credit report. Specifically, I am referring to the [ name of creditor or collection agency ] that has reported a collection account with the following details : Account Name : Credit Collection Services Account XXXX Reported Date : XX/XX/2025 Collection Amount : {$170.00} After reviewing my credit report, I believe that the information regarding the ownership and status of this collection account is incorrect or incomplete. As per 15 U.S.C. 1681s-2, the furnisher of information, in this case, the creditor or collection agency, is required to report accurate and complete information to the credit reporting agencies.

I have reason to believe that the ownership of this debt may not be accurately reflected, or that the status of the account is incorrect. Specifically, I am concerned about the following : Whether the Credit Collection Services is the true owner of this debt or if it has been transferred or sold to another entity. 

Whether this debt has been paid, settled, or marked as disputed, but has not been updated properly in my credit report. 

The account status does not reflect any disputed information that I may have previously filed with the creditor or collection agency.

Under 15 U.S.C. 1681s-2, I request that you : Investigate the accuracy of the reported information. 

Provide documentation that shows the current owner of the debt, including any proof of transfer of ownership or assignment. 

Correct the entry if it is determined that the information is inaccurate or incomplete, or if the collection account was reported in violation of the FCRA. 

If the ownership can not be verified, I request that the account be removed from my credit report entirely. 

Please provide a response to this dispute in accordance with the time frame required by the Fair Credit Reporting Act ( FCRA ), which mandates that a response be provided within 30 days of receipt of this dispute. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution of this issue. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I gave the hospital my insurance, and my insurance covers this expense. That is why I believe this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
Account Number XXXX XXXXXXXX this account is listed as a collections account. It's also listed as closed but open as well all details are incorrect. Please delete this account. 

Account Number XXXX XXXX this account is listed as a collections account. It's also listed as closed but open as well, all details are incorrect. Please delete this account. 

Account Number XXXX XXXXXXXX this account is listed as a collections account. It's also listed as closed but open as well, all details are incorrect. Please delete this account. 
All 3 accounts are with XXXX XXXX, I have filed several disputes with Equifax to no avail. I have been denied credit due to these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: MA

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

Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-05-20 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-20 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I notified the XXXX company about an application ( XXXX ) that it was a Fraudulent application. XXXX informed me that this application was indeed a fraudulent application. I asked for XXXX to remove a Hard Inquiry from my credit report which they replied by saying I have to dispute this with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
I notified the XXXX XXXX about an application ( XXXX ) that it was a Fraudulent application. XXXX informed me that this application was indeed a fraudulent application. I asked for XXXX to remove a Hard Inquiry from my credit report which they replied by saying I have to dispute this with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: DISCOVER BANK
State: NE

Complaint narrative:
I notified the XXXX XXXX about an application ( XXXX ) that it was a Fraudulent application. XXXX informed me that this application was indeed a fraudulent application. I asked for XXXX to remove a Hard Inquiry from my credit report which they replied by saying I have to dispute this with the credit bureaus.

Company response to consumer: Closed with explanation