vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: MD

Complaint narrative:
I disputed the credit reporting on my XXXX XXXX XXXX XXXX after noticing excessive weekly late payment entries from XX/XX/XXXX through XX/XX/XXXX. All missed amounts were ultimately recovered on XX/XX/XXXX. 

XXXX completed an investigation and responded on XX/XX/XXXX, stating the reporting was accurate and closed the dispute without making any corrections. However, reporting more than 20 weekly late payments for what was functionally a single extended delinquency period is punitive and not a fair or accurate reflection of repayment behavior. 

I did not receive disclosure that weekly delinquencies would be reported, and this reporting method caused disproportionate long-term harm to my credit profile. I am requesting regulatory review of XXXX  reporting practices and appropriate correction or deletion of the excessive late payment reporting.

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 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: KEYCORP
State: TX

Complaint narrative:
I applied for a personal loan on XXXX XXXX XXXX XXXX XXXX. My loan application was denied, and I received an " adverse action '' denial notice attached to an email from XXXX XXXX. XXXX Personal Loan Application Number XXXX. The denial notice stating in part, " Description of Action Taken : Your request was carefully considered, and we regret to inform you that we are unable to approve your application at this time for the reason ( s ) set forth below. Part I Principal Reason ( s ) for Credit Denial, Termination, or Other Action Taken Concerning Credit Applicant Unable to verify identity. 

Per my examination of the very " deficient '' adverse notice received from XXXX XXXX. There were multiple ECOA/Regulation B and FCRA/Regulation V noncompliance deficiencies. Per XXXX XXXX instructions, " If you have any questions regarding this notice, you should contact : Creditor 's name : Creditor 's address : Creditor 's telephone number : KeyBank National Association XXXX XXXX XXXX, XXXX CT XXXX XXXX. '' I sent a very thoroughly and meticulously written dispute package to KeyBank National Association. XXXX certified mail with return receipt tracking number # XXXX. However, I received a notification from XXXX tracking system that my dispute package was being returned by the addressee. XXXX tracking states the reason, " Your item was returned to the sender on XX/XX/year> at XXXX XXXX  in XXXX, CT XXXX because the addressee was not known at the delivery address noted on the package. '' Which is the address for XXXX XXXX. 
Following the instructions I submitted my dispute to the address provided on the adverse action notice from XXXX XXXX. Which it is my understand that KeyBank National Association acquired XXXX XXXX XXXX XXXX XXXX business. 

In conclusion, we have a situation where I did per the instructions of XXXX XXXX requested. I sent a dispute to parent company " KeyBank National Association. '' Requesting a corrected adverse action notice with FCRA required disclosures. Which are the consumer 's rights according to the ECOA/Regulation B and FCRA/Regulation V compliance and guidelines. XXXX XXXX and KeyBank National Association " refusal '' to accept my dispute package via certified XXXX mail and having it returned. Does not shield them from ECOA/FCRA violations liability. Especially since I correctly followed their instructions for delivery of my legal dispute. If you will please review my meticulously written dispute with XXXX XXXX 's very deficient and illegal adverse action notice attached. You will see my ECOA/FCRA dispute has merit. I have also attached a copy of the ECOA/FCRA dispute package I had mailed via certified mail with return receipt to KeyBank/Laurel, which they refused receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-12-01 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 found several negative items on my credit reports that are being reported inaccurately, incompletely, or without proper validation. These include charge-offs, multiple collection accounts from debt buyers, and several hard inquiries that I did not authorize. I disputed these items with the credit bureaus and the furnishers, but none of the companies provided the documentation required under the Fair Credit Reporting Act or the Fair Debt Collection Practices Act. No original signed agreements, no billing statements, no proof of delinquency, no chain-of-title documents, and no verification of the balances were provided. Some accounts show inconsistent information, duplicated inquiries, missing account details, or balances that can not be supported. Despite the lack of evidence, the credit bureaus marked these items as verified without offering any proof. These inaccurate and unverified items have harmed my credit standing, reduced my score, and affected my ability to obtain fair credit opportunities.

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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. IC System is reporting an account for {$130.00} on my credit report. I have no knowledge of this account, I never opened an account with the original creditor, and I have never received any bills or validation documents for this alleged debt. I did not authorize IC System to collect on my behalf and do not recognize the account. 

I am requesting that IC System provide full validation/verification of the debt ( original creditor, itemized charges, dates, proof of assignment ). If IC System can not validate the debt, I request they delete this account from all credit reporting agencies 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 2025-12-01 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: SC

Complaint narrative:
I am still finding these inaccurate accounts on my credit report, and nothing has been cleared like it should have. This situation is draining me, so I am begging for a detailed review of the documents I submitted so I can finally feel some relief from this ongoing 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 2025-12-01 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: SC

Complaint narrative:
I am seeing that these inaccurate accounts are still appearing on my credit report, and they were not taken off at all. This has left me extremely overwhelmed, so I am pleading for the documents I attached to be checked carefully so I can finally stop living with this constant fear and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
In XXXX I set up automatic payments on there company app, which failed and my acct went pass due two months. After consulting with company and there third party payment processing app company, the 3rd party agreed there was an issue and they were working on resolving the issue. The actual company refuses to admit it was an issue. After making a complaint to XXXX  they finally correct the credit report to good status. Now after that closed, they want to switch it back to a neg state again on my credit report. In XX/XX/year>, they reported to Experian never late, after I disputed it. Again Im asking the company to report it never late or place a nothing to report on aug/sept, which is showing late. Again this was a mistake by a 3rd party contractor the company contracts to process payments and was not my fault. Make a bad situation right and report the correct information.

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 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: MD

Complaint narrative:
I have been waiting for XXXX XXXX  income tax from XXXX XXXX since XXXX. I didnt get it because my money spend account was closed for being overdrawn {$4.00}. I got my state income in the mail and XXXX  received my XXXX  income check in the mail, but it never came. XXXX  reached out to have my XXXX check mailed to my address multiple times and every time XXXX told it will come in the mail in XXXX - XXXX business days. At this point XXXX very frustrated and I dont want to just talk to someone XXXX  going to tell me the same thing and I dont get my check. They dont let you speak with a XXXX when you ask and they the online help center is not helping and at all and they keep sending me in circles. They ignore me, are very rude and XXXX  months later they still have not mailed me my XXXX  income check from XXXX. Ive been lied to and told its coming in the mail. XXXX beyond frustrated XXXX infuriated because thats my money that I worked hard for and they wont give it to me. I feel like its fraud because they will not give me my check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 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: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

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 2025-12-01 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:
I am disputing the account ( XXXX ) listed under Experian because the information is being reported inaccurately. I am requesting an investigation and correction or removal of all data that can not be validated. 

Charged Off EX 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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
PayPal have my {$120.00} frozen by years and not offered a solution. 

My account pay pal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I am writing to formally dispute and challenge the documents I signed back in XXXX related to what I was clearly informed, and led to believe, was a refinance of my existing loan. At no point during the application process, disclosures, or closing was I told that the transaction would result in a lien being placed on the title of my home. The manner in which this agreement was presented to me was misleading and not explained in a clear or truthful way. 
I signed the paperwork under the belief based solely on Wells Fargo representatives description and assurance that I was completing a refinance. I was not informed, verbally or in writing, that this would function as a lien or encumbrance on my property title. Had this been properly disclosed, I would not have agreed to proceed. 
Because this lien was placed without full, accurate, and transparent disclosure, I am disputing the validity of these documents and the lien itself. I am requesting the following : Full reimbursement of all costs I incurred to remove the lien from my title ( including recording fees, legal/title fees, and any related expenses ) ; A complete internal review and investigation into the misrepresentation that led to this situation ; A full review and investigation into the misrepresentation of the agreement; Copies of all documents, recordings, disclosures, and communications related to the transaction ; Written confirmation that the issue is being addressed and corrected.

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 2025-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
On XX/XX/year> I requested validation from Wakefield and associates for a collection account listed on my credit reports. I requested a detailed itemized bill, the name and address of the original creditor ( and hospital where the supposed debt originated ), contract or agreement showing the companies legal right to collect this supposed debt, and that phone communication stop that further communication be delivered via email or postal mail. 
I received Wakefield and associates " debt validation '' that was dated XX/XX/year> which consisted of XXXX pieces of paper ( which I will provide ). The " itemized bill '' listed XXXX line item with no breakdown or explanation of the debt. There was no information on where the XXXX XXXX were received or a address anywhere remotely located near where I reside where I supposedly received XXXX XXXX. They also failed to provide any proof that they had any legal right to collect this supposed debt, no contact or agreement was provided. Therefore the supposed debt does not meet the legal standards to be considered validated. 
The final concern is the purposefully and deliberate violation of my FDPCA rights by continued phone calls after they acknowledged the receipt of my request to stop phone communication. I have documentation for over XXXX phone calls as well as voicemails received after XXXX stated in writing that they received my request to stop phone communication. For a company to violate the law not once but repeatedly should not be taken lightly. The extent to which this company knowingly and purposefully violated XXXX  law should be held accountable and punished. 
I will provide documents, pictures, and audio recordings to substantiate and corroborate the things listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
{$270.00} Opened : XX/XX/year> This account shows conflicting data, repeated errors, and inconsistent reporting dates/issues previously disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
Synchrony Bank assessed returned payment fees on my account even though my bank confirms that no payment attempt was ever made by Synchrony, no transactions were returned, and there were no declines or errors on my banks end. 

I contacted my bank, who confirmed in writing that : There were no declined transactions There were no returned payments Synchrony never initiated any withdrawal There is no bank error to document Despite this, Synchrony required that I obtain a bank letter documenting an error that did not occur and can not be documented. My bank explicitly stated they have no evidence of any declined payments and instructed me to contact the lender directly, as the issue was not on their end. 

I contacted Synchrony multiple times. Synchrony representatives stated that the matter had been escalated internally, and they declined to reverse the fees, even after escalation. 

Synchrony documented in the chat transcript that : They are requiring bank documentation for a nonexistent event They charged returned payment fees for a transaction they did not initiate They escalated the case and still declined to correct it I am requesting the CFPBs assistance to : Reverse the improper returned payment fees Ensure no negative account or credit impact remains Require Synchrony to explain why fees were charged for a payment they never attempted Stop requiring bank documentation for nonexistent errors I am attaching : The written statement from my bank Screenshots of the Synchrony chat transcript confirming escalation and refusal to resolve the issue

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MO

Complaint narrative:
This problem is seriously affecting my peace of mind and sleep. Considering my reliable payment history, I kindly urge you to update my account without delay to relieve this stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
Greetings, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
Greetings, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-12-01 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: FL

Complaint narrative:
The current reporting misstates my financial behavior and appears incomplete. I request that the matter be reviewed and updated for accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation