vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information currently appearing on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
The account listed below is inaccurately reporting late payments, which I believe to be incomplete, unverifiable, or otherwise incorrect. I request that these late payments be deleted from my credit file. 

Account Information : * Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX * Account Number : XXXX Legal Basis for This Dispute : * 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Credit bureaus must investigate disputed information and delete or correct any unverifiable or inaccurate data.

* 15 U.S. Code 1666 and 12 CFR 1026.13 ( Regulation Z ) : These laws govern the proper handling and correction of billing errors, including improper or disputed reporting of payment history. 
* 15 U.S. Code 1681s-2 : Furnishers of information ( such as XXXX ) are legally obligated to provide accurate data. Failure to do so requires that incorrect or unverifiable information be removed. 

Requested Resolution : I request that all late payments reported under this account be deleted from my credit file. If the credit bureau and data furnisher can not verify the accuracy of the late payment information with supporting documentation, it must be removed as required by federal law. 
Please conduct a reinvestigation within the required 30-day timeframe as outlined in the FCRA, and provide me with written confirmation of the results. I also request that this letter be added to my credit file as part of my consumer statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: KEYCORP
State: NY

Complaint narrative:
Today, I received this message from Key Bank : Dear XXXX XXXX, KeyBank monitors customer accounts in order to detect and prevent fraud. We've detected unusual activity on your credit card account ending in XXXX. 
A purchase was made at ghtcsya.com in the amount of {$39.00} on XX/XX/year>2025. 
To help us resolve this issue, please call us at XXXX or the number on the back of your credit card. 
Protecting your accounts is something we take seriously. We apologize for any inconvenience this has caused, but the safety of your accounts is our primary concern. 
Thank You, KeyBank Fraud Department XXXX Called the bank immediately at the indicated number and agreed with them that I will call the merchant who I do not know but the phone number was on the charge. 
XXXX Called the vendor company which took the call and agreed to remove the charges for a service I did not order. 
XXXX Called the fraud dept. again to unlock my card they could not unlock the card because they could not identify/verify me, a client for years, using any of my numbers saying the phone numbers have been changed today, a lie, and therefor could not be used to ID me. I have been with the bank for several years and have not update my phone numbers since I started with the bank. Was told to rewrite the numbers in my bank profile and save. Did that, the number would not save. We got cutoff. I am attaching the screen shot. 
Called the fraud department again did not understand much of the XXXX that was spoken but I did understand that there is another way to verify my identity using a debit card. Wrote down the instructions. Hung up. 
XXXX Called the verification line ( different number ) none of the instructions worked. 
XXXX Called again the verification number XXXX same result, no go. Altogether I made four calls to this number. 
XXXX Called the fraud dept. XXXX they started the whole thing again and ended up by telling me to go to the brunch. 
XXXX was my last call trying to get my card unlocked, I was hung up by the last agent. 
My card is now locked ; this is going to disrupt my business and cause me more work. I am sick of having to spend so much time on everything with Key and then be told go to the branch which is 2 hours away. I will not go to a closer branch because they all XXXX. 
HeeeeLP! Please save XXXX from Key Bank. They are truly terrible. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
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 XXXX, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXXXXXX XXXX XXXXXXXX. 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. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

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 XXXX, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXXXXXX XXXX XXXXXXXX. 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. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have called and requested investigation on my closed accounts, my credit score is not being updated, almost XXXX points less than my other two credit companies. Nothing is being done.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have called and requested investigation on my closed accounts, my credit score is not being updated, almost XXXX points less than my other two credit companies. Nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inaccurate Address Association : I do not reside, nor have I ever resided, at the address associated with this account in Arizona. This invalid address is a direct violation of accurate data reporting as outlined in XXXX XXXX Format specifications and the FCRA 607 ( b ) Maximum Accuracy Requirement.

Account Type Misrepresentation : This account is being reported as a XXXX XXXX Account. I have never entered into an agreement with a factoring company, nor do I understand the basis of this classification. This appears to be a misrepresentation of the original contract and may constitute furnishing inaccurate information under FCRA 623.

No Contract or Valid Authorization : I have never signed or authorized any agreement with XXXX or the original creditor for the terms being reported. I request verification of any alleged signed agreement, itemized charges, and a full chain of assignment under Section 609 of the FCRA.

Failure to Verify and Validate Debt : As per the FDCPA and XXXX XXXX guidelines, you are required to verify the accuracy and completeness of this account. Until full validation is provided, including a signed contract and itemized proof of charges, this account must be suppressed and marked as " Consumer Disputes Investigation in Process '' or " Account Deleted ''. 

Contradictory Account Status : The account is reported as Open, yet also listed with a Pay Status : Collection. These two conditions are mutually exclusive under XXXX 2 guidelines. Once an account has been placed for collections or charged off, the account should no longer report as Open. This is misleading, negatively impacts my credit utilization ratio, and violates the FCRAs requirement for maximum accuracy in 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 non-monetary relief
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX 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 2025-07-17 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: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX 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 2025-07-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
In XX/XX/year>2025, I contacted Ideal Collection Services about a balance related to my former apartment at XXXX XXXX at XXXX. I attempted to pay the debt in full, and the collection agency initially accepted it. Later, from what I heard he said he send me a voicemail saying the payment had been returned, I dont check my voicemail due to scams. I was never notified in writing that the account would be reported to the credit bureaus. 

On XX/XX/year>2025, the collection was reported to my credit report without proper written notice, despite my good-faith payment attempt and continued efforts to resolve the issue. I have been actively trying to resolve this account before it harmed my credit. 

I was only about two weeks late in giving notice to vacate, but I had valid reasons. I was dealing with serious personal hardship, including a car accident, and I was overwhelmed at the time. I was in communication with the apartment management and even contacted the corporate office multiple times to ask for rent prorating or support. My calls went unanswered or straight to voicemail. Despite that, the apartment sent my account to collections and demanded the full balance. 

Additionally, the living conditions were poor. The apartment was infested with roaches, rats, and the valet trash service failed regularly, which contributed to my decision to move out.

Ideal Collection Services has refused to remove the collection from my credit report, even after I tried to settle and resolve the account. I believe this reporting is unfair, damaging, and not in line with the Fair Credit Reporting Act, given the poor communication, lack of notice, and hardship I experienced. 

That is the reference number that was given to me when I made the payment XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
Iam a XXXX of identity theft and my personal identity and information was exposed in the XXXX data breach I do not recognize these fraudulent accounts listed below Account XXXX : XXXXXXXX XXXX Date Opened XX/XX/XXXX amount {$20000.00} Account XXXX : XXXX XXXX Date Opened XX/XX/XXXX amount {$1900.00} Account XXXX : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$890.00} Account XXXX : XXXX XXXX XXXX Date Opened XX/XX/XXXX amount : {$8700.00} Account XXXX : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX amount {$1000.00} Account XXXX : XXXX Date Opened XX/XX/XXXX amount {$3600.00} Account XXXX : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX amount {$1700.00} Account XXXX : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX amount {$230.00} Account XXXX : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX amount {$670.00} Account XXXX : XXXX XXXX XXXX Date Opened XX/XX/XXXX amount {$7900.00} Account XXXX : XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX amount {$2100.00}

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 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/XXXX, we reached out to Capital One regarding the Capital One Spark XXXX XXXX XXXX  | XXXX XXXX XXXX The card holders on the account are XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The account was created prior to the divorce of XXXX XXXX from XXXX XXXX. Previously, both XXXX XXXX and XXXX XXXX were shareholders of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

During the divorce proceedings ( XX/XX/XXXX XX/XX/XXXX ), neither XXXX, XXXX XXXX XXXX XXXXXXXX, nor XXXX were aware this one particular company credit card account ( used by dozens of XXXX employees ) was associated with XXXX XXXX as Account Owner and XXXX XXXX as Account Manager. On XX/XX/XXXX, XXXX, in a phone call with Capital One, became aware of this nuance and he immediately notified XXXX to discuss options. Immediately after XXXX communication to XXXX, XXXX incorrectly advised Capital One that the account was opened without her permission causing a series of events to trigger including a fraud/restricted status for which we communicate to you today. 

On XX/XX/XXXX, XXXX and XXXX and their legal counsels participated in a conference call with Capital One. During the call, counsel for XXXX specifically requested that Capital One remove the previously asserted fraud claim. Capital One has the audio transcript from the call. 

The problem is this. Because Capital One placed some sort of internal fraud/restricted alert on this account, XXXX  attempted to but was unable to pay off the majority of the XXXX  incurred charges. The nominal account holder has specifically requested that the alert be removed. To date, Capital One has not removed the fraud/restricted alert. 

XXXX has always acknowledged the balance due on the account ( {$89000.00} as of the date the account was restricted, XX/XX/XXXX ) was the responsibility of XXXX to pay. As of the XX/XX/XXXX statement, Capital One reported a cash Rewards Balance of {$14000.00}. After several months of attempting to resolve the balance, XXXX was finally able to make a payment of {$76000.00} on XX/XX/XXXX. XXXX would have made this payment on XX/XX/XXXX but Capital One would not allow the account to be paid because of the asserted fraud claim. 

With the XX/XX/XXXX XXXX payment ( {$76000.00} ) and the available cash rewards balance ( {$14000.00} ) the total balance of {$89000.00} would be paid in full. Due to Capital Ones restrictions, XXXX XXXX made the payment of {$14000.00} ( plus interest ) on XX/XX/XXXX. We hereby demand Capital One mail a check for the cash reward balance ( {$14000.00} ) to XXXX XXXX for the cash reward balance ( {$14000.00} ) on the Capital One Spark XXXX XXXX XXXX  | XXXX  XXXX XXXX  referenced above. There is no valid excuse to refrain from distributing the cash back balance to XXXX XXXX ( to reimburse her for her XX/XX/XXXX payment she made ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I sent a certified letter to XXXX / XXXX / Navient and the attorney general in XX/XX/2025 asking for information on why my student loan has been given to XXXX with out my consent to release my personal information. I sent information to Navient in XXXX to apply for forbearance, at this time Im still waiting for a reply. Now I received a demand letter from XXXX for full payment of {$10000.00}. The original loan was {$2500.00}. 
These companies are releasing my personal information and putting my credit and personal information in jeopardy. 
I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL
activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure. 
4

. An itemized statement breaking down the balance you claim I owe. 5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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