vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: OH

Complaint narrative:
A recent complaint was just closed. I misunderstood dates due to recently XXXX XXXX C issued. When i received the debt collection letter from XXXX I assumed the XXXX closed account XXXX. I did not open a new account XXXX. Key Bank has not proven debt validation. Was sent to a collections not proven valid. Several years later XXXX a XXXX C was issued. In my documents and disputes the account was closed and blocked wrongly by Key Bank XXXX. A check from XXXX Ohio was issued XXXX. Key claims in letter any funds left after account is settled would be paid to me. {$44.00} was paid to me. The account was fraudulent handled by employees whom must have kept the funds to settle the account and claim I owe later under a new account. I did not open XXXX XXXX. The bank is lying and fraudulent. The account was XXXX XXXX. Because of the abusive treatment towards me no other account was opened XXXX as Key Claims. No statement has been provided under this account XXXX. Even if a statement which I have none nor provided a statement from Key the XXXX account that if any account existed is mishandled internally unless proven someone else opened my account later. I surely would not ever and I do mean ever due to blocking my account ever open another account. See letter of closing XXXX by bank and no just cause. Why would you close XXXX and even allow another account open XXXX same location which I did not do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute credit inquiries that appear on my credit report, which I believe are not accurate and are causing potential harm to my creditworthiness. As a consumer, I am protected by the provisions of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the XXXX XXXX laws, which require accurate and fair reporting of credit information. 

According to the Fair Credit Reporting Act, credit inquiries can only be made for the following permissible purposes : XXXX. A Firm Offer of Credit XXXX. Insurance XXXX. An XXXX for XXXX XXXX. A XXXX XXXX I have no recollection of conducting any business with these companies or authorizing this credit inquiries. In accordance with my rights under FCRA, I directly to rectify this matter, requesting that they remove the inquiry from their records and update all credit reporting agencies accordingly. They have assured me of their cooperation in resolving this issue, but to ensure a thorough investigation, I am also approaching your agency.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX - Account # XXXX Balance : {$1700.00} I've observed that the information might not be in line with industry standards. Ensuring that all of the data we report is perfect and adheres strictly to established standards is vital. I kindly ask that any discrepancies be reviewed and removed right away. The negotiable significance of accuracy and unwavering compliance in every entry is highlighted in this call to action. 

XXXX XXXXXXXX - Account # XXXX Balance : {$1800.00} If you find any errors in your reports, please check them right away. It is crucial to provide validated and supported data in order to comply with the industry 's compliance standards. Since there could be repercussions for any deviations, the accuracy of these reports is vital. Please take this as a reminder to go over these mistakes carefully and remove them right away. It is your duty to make sure that all data conforms with the standards set by the sector. I anticipate movement. Anticipate receipt of confirmation. 

XXXX - Account # XXXX Balance : {$620.00} Since data fidelity is so important, it is your responsibility to make sure that all reported information strictly complies with the relevant standards. Any account that doesn't meet this strict requirement will be immediately removed from my profile. 

XXXX XXXXXXXX - Account # XXXX Balance : {$440.00} Given the significance and influence that credit reports have on people 's lives, it is imperative that you adhere to industry standards. The disparities in my report that blatantly defy accepted standards worry me. It is essential that you review, confirm, and make sure that all of the data satisfies the stringent requirements stated. The errors that have been found must be fixed. I really want you to talk to them about it.

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 2025-03-28 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: GA

Complaint narrative:
I recently submitted a dispute because Im very concerned about an account on my credit report that still appears to be inaccurate and incomplete. Its clear that a proper investigation wasnt done, and this incorrect information is still being reported. This has been extremely stressful for me, and Im feeling overwhelmed and exhausted. 

Please, I truly need your helpI dont know what else to do, and this situation is seriously affecting my life. Also, just to be clear, I am personally submitting this dispute, not a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I sold my house went to closing on XX/XX/XXXX was issued a cashiers check for the proceeds. Took to my bank, advised them a few days prior that a large deposit will be made. I presented the cashiers check and proof of the sale of my home. Cashier a few days back gave me an issue with my old account that was paid in full and she gave false info to banker which led to the banker having to keep me for an extended amount of time for something so simple. Today XX/XX/XXXX when depositing the large check same teller gave me an issue stating the background of the cashiers check looked suspicious. I requested a XXXX because now I feel discriminated against. She made a deal a few days prior and now today. When I met with the XXXX he explained that he trains them to look for certain things. He then said the font was different. I presented him with paper work of the sale my house which he advised that is what the teller should have asked for. He deposited the check and advised he is putting a 1 day hold on it which was today since I deposited before XXXX pm. I know that cashiers check are not cash but assures funds are immediately available. I am a XXXX man doing the right thing and here I am discriminated against. I feel humiliated to say the very least! Why should I have to wait 5 days because of the difference in opinion when I presented all of the necessary documents? Navy Federal in XXXX needs to be investigated for their discriminatory practices!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
To Whom It May Concern, This letter is a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Metro 2 standards adopted by the Consumer Data Industry Association ( CDIA ). After reviewing my XXXX credit file dated XX/XX/year>, I have identified numerous inaccuracies and violations related to data reporting, completeness, verification, and permissible use. 

Below is a detailed list of each disputed item, the applicable legal foundation, and my formal demand for removal or correction. 

MB Financial Services ( Account # : XXXX ) Issue : Shows late payments and derogatory status after bankruptcy filing. 
Violation : Post-petition delinquency reporting is a Metro 2 violation and misleading.

Relevant Law : - FCRA 1681s-2 ( a ) : Furnishers must report accurate data.

- Metro 2 Consumer Information Indicator ( CII ) : Account included in bankruptcy must reflect status code E or " H '', no open balances, and no late payments after filing. 
Demand : Update to Included in Bankruptcy XXXX, or delete entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CBC Companies, Inc.
State: LA

Complaint narrative:
I have requested that information be suppressed from my credit file and blocked due to XXXX XXXX. The company makes it almost impossible to get incorrect data removed. The steps to getting your XXXX XXXX recovery is tough enough without being punished even more by these companies to make things right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
Since 2021. I have disputing a late payment on my XXXX XXXX car loan. I spoke with XXXX XXXX and they agreed that theres a discrepancy. And they informed to dispute it and they won't fight it. The issue came from their end and whoever handled my account. No matter what XXXX always respond back to me as accurate. Out of all my dispute I was only provided payment statement and you can see the discrepancy. All payments made on time except XXXX that only showed partial payment. As Per agreement between myself and XXXX XXXX I request this issue to finally be resolved. I believe I have the recorded phone call. I will need to find it.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed that I have fraudulent accounts on my report. Please remove these accounts from my credit report, as they are hindering my ability to obtain credit.

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 2025-03-28 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. XXXX seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the XXXX XXXX XXXX, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
Today, XX/XX/year>, a lady from Portfolio called from phone number XXXX, asked for my husband and I asked who she was and she identified herself as a representative from Portfolio and then asked if this was the correct number for my husband and I told her no and she went off on me telling me " why didn't you just say that '', " why waste my time asking who I am '' XXXX XXXX '' and mumbling other obscenities and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: CA

Complaint narrative:
I am writing to bring to your attention an issue regarding an unauthorized credit inquiry that has been made under my name. I want to be clear that I never gave consent for this company to pull my credit report.

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 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase allowed my checking account to go negative by {$1000.00} even though my account has no overdraft protection. Their representatives acknowledged the error was not my fault, yet only {$300.00} of the negative balance was resolved due to a refund from a rental car companynot Chase. I am still stuck with a negative balance of {$700.00}, and no action has been taken by Chase to fix their admitted error. As a XXXX XXXX XXXX veteran on a fixed income, this has caused financial stress and is affecting my ability to use my account or improve my credit. I am requesting a full refund and written resolution immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: EQUIFAX, INC.
State: CO

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: IN

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-03-28 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
There are no amounts just hard inquires for XXXX XXXX  and also wells Fargo i have not applied with anything through both places i actually bank with well Fargo and has been a customer since 2022. Never applied for any credit cards or anything. Please remove this. It stopping me from moving forward in my life. I want to have great credit for myself and children please remove i did not apply. 

Thank You 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 2025-03-28 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:
I recently received a copy of my credit report and noticed several in accuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation