vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
I called my bank and informed them that I made a car purchase online but decided not to get the vehicle from the dealership due to suspicious activity when it was time to sign finance contracts. I informed them that I gave a XXXX deposit for the vehicle and the dealership was refusing to issue me a refund. I informed my bank that I didn't sign any contracts or finance deals. I also to them I had recorded phone calls as well as texts messages from the dealership that indicated I requested a refund. They gave me a provisional credit and opened the dispute. This was XX/XX/year> .. on XXXX XXXX I noticed the credit was reversed I immediately called Key bank. They informed me they received a invoice from the dealership. Of course you will receive a invoice I told them I put a deposit down and they refuse to refund it. I then said Key bank never asked for my proof that I had. I also informed them I had proof from the Department of motor vehicle that the said vehicle in question has never been registered or insured in my because I never received the vehicle the dealership took my money. Key bank fraud department is not working on my behalf as a victim of fraud. Key bank was not trying to further investigate. As a Key bank customer I don't feel like they valued me as a customer because all they received from the dealership was an invoice and didn't make sure I received the said merchandise for the XXXX spent. I sent in all the recorded calls and texts messages and proof from the XXXX I can't finance a vehicle and not register and insure it and Key bank didn't verify any of that information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$3000.00} XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$7100.00} XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$9800.00}

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 2025-06-20 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: TX

Complaint narrative:
I am writing to formally dispute the reporting of a late payment associated with my account. I take great care in ensuring my financial obligations are met on time, and I have reviewed my payment history for the period in question. My records, including bank statements and account confirmations, clearly indicate that the payment was made on or before the due date. The presence of this inaccurate late payment on my credit report is damaging to my reputation as a responsible borrower. I respectfully request a full investigation and prompt removal of this erroneous entry to restore accuracy to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute inaccurate information that is currently being reported on my credit report. Upon reviewing my credit file, I identified information that is not accurate and has been reported without my consent. This inaccurate reporting has had a serious and detrimental impact on both my credit standing and my personal life. 

Reporting false or inaccurate information without authorization is a violation of federal law. I am requesting that this matter be fully investigated and resolved immediately. Furthermore, I expect this erroneous information to be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please provide me with written confirmation of the outcome and resolution of this dispute within the time frame required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety while damaging my creditworthiness and financial standing. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft. The continued presence of these disputed items violates my rights under the Fair Credit Reporting Act and demonstrates a failure to properly investigate and verify the accuracy of the information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TN

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

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened 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 2025-06-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not give XXXX  permission to run my credit reports. I would like these removed from all three of my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following accounts do not belong to me and I need your assistance in getting these items removed from my credit report. 

There are incorrect name spelling reporting on XXXX, XXXX, XXXX XXXXXXXX, XXXX The following addresses are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA I was never employed by the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts do not belong to me : XXXX XXXX - bal. {$7500.00} XXXX XXXX - bal. {$100000.00} XXXX XXXX - bal. {$39000.00} XXXX XXXX - bal. {$29000.00} XXXX XXXX  - bal. {$35000.00} XXXXXXXX XXXX- {$13000.00}

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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
This is now my third formal complaint regarding Aargon Agency Inc. Despite being fully aware that they are currently under active litigation with me, they have continued to report this alleged debt to the credit bureaus. Most recently, they have placed this account back on my credit report as of XX/XX/XXXX. 

Their repeated reporting while a legal case is pending is causing ongoing damage to my credit profile and financial well-being, and I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I have previously requested validation of this debt, which has not been adequately provided, and have informed them and the bureaus that this account is disputed and under court proceedings. Despite this, Aargon Agency continues to report the account as if it were undisputed and valid.

Desired Resolution : Immediate removal of this account from all credit bureaus while litigation is pending.

A full investigation into Aargon Agencys continued reporting and compliance with federal law.

Prevent further updates or re-reporting until the court matter is fully resolved.

I respectfully request the CFPBs assistance in enforcing my rights and ensuring this company ceases any unlawful or unfair credit reporting practices until this matter is settled in court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: PA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-06-20 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: MD

Complaint narrative:
XXXX  XXXX Continuously reports a charged off all my credit report each month. From my knowledge, the account should have been charged off one time, and one time only. They also didnt provide me with the tax information after they wrote the account off, which also violate my rights please remove this account from my credit report immediately as it is dragging my score down With the incorrect information. I also did not authorize this company to broadcast my information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Credit Services Inc.
State: TN

Complaint narrative:
This collection from 1st credit service is inaccurate. This was for a security system with XXXX XXXX, that I never received the equipment or service installment. I called the 1st credit services and spoke to supervisor the collection company couldn't verify what security system it was or what address its associated with. Collection is from XX/XX/year>. This debt is invalid because it was not for my address. Please verify service address and what property this was for. Please send validation documents to prove this debt is mine, and place it in dispute and send all validation documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
was told my payroll check would clear by XXXX XX/XX/year> XXXX and now Im being told theres a 7-day hold.This is a check from the same employer thats been direct depositing with no issue. I want the hold reviewed and released this is causing a financial hardship

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out to challenge the presence of a hard inquiry on my credit report that I did not approve or recognize. I have not applied for any form of credit, financing, or services that would necessitate a credit check. The inclusion of this inquiry is misleading and harmful to the integrity of 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 explanation
Consumer complaint received 2025-06-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have es been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: SC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have es been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I used my American Express Platinum card to pay for a taxi from XXXX XXXX XXXX to XXXX XXXX ( XXXX XXXX XXXX ). The agreed fare was XXXX XXXX Pesos ( {$80.00} USD ), but I was later charged XXXXXXXX XXXX XXXX XXXX XXXX  ), which is XXXX times the agreed amount. 

At the time of the transaction, the card machine failed to process the charge. The driver gave me a phone number and said I could resolve the payment later if needed. I did not sign or authorize a XXXX MXN charge. 

Once I returned home to the U.S., I received an AMEX alert showing that a charge for XXXX XXXX had been declined and then processed. I contacted American Express immediately and disputed the transaction. I also attempted to call both phone numbers provided by the driver and the company they never responded. 

I submitted a full written explanation, call logs, and a copy of my XXXX ID to show that the signature on the merchants receipt does not match mine. The merchant provided no itemized receipt, no record of agreed services, and no contact. 

Despite this, AMEX closed the dispute and sided with the merchant based solely on the merchants receipt, stating they are not handwriting experts and can not evaluate whether the signature is valid. They told me I could only reopen the case with new evidence or pursue legal action myself, even though the merchant is not in the XXXX. 

I am requesting the CFPBs help because this appears to be a deceptive overcharge. I did not authorize the full amount, and the company has made themselves unreachable. AMEX failed to honor their fraud protection despite clear supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Complaint Regarding Inaccurate Charge-Off on Credit Report XXXX Account To Whom It May Concern, I am writing to formally dispute and request the removal of an inaccurate charge-off account being reported on my credit file by XXXX. Below are the details of the account in question : Creditor : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Collection/Charge-Off Closed Date : XX/XX/XXXX Balance Reported : {$480.00} Credit Bureaus Reporting : TransUnion, Experian Reported Past Due Amount : {$480.00} I am disputing this charge-off under the protections afforded by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. I believe this account is either inaccurately reported, unverifiable, or may be outdated and therefore should be removed.

Under FCRA Section 611 ( 15 U.S. Code 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. The credit reporting agencies and data furnisher ( in this case, XXXX ) XXXX obligated to : 1. Conduct a reasonable investigation within 30 days, 2. Verify the accuracy of the information, and 3. Delete or correct any information found to be inaccurate, incomplete, or unverifiable.

To date, I have not received any documentation validating this alleged debt, and the continued reporting of this derogatory mark is causing undue harm to my credit profile.

Furthermore, under FCRA Section 602 ( A ), it is the policy of Congress that consumer reporting agencies ensure maximum possible accuracy of the information they report. In the absence of proper validation from the original creditor, the account must be deleted as required by law.

I am formally requesting the CFPB to initiate an investigation into this matter and hold the reporting parties accountable for failing to comply with federal regulations regarding credit reporting accuracy and consumer dispute resolution.

Thank you for your attention to this matter. I respectfully request this account be investigated and removed from my credit report if validation can not be provided in accordance with the law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX Digits of XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
Given its unauthorized nature, I am requesting its immediate removal from my credit report. I also ask that you review your records to determine how and why this inquiry was made without consent. Please confirm once the deletion has been completed and ensure that no similar inaccuracies are reported in the future.

Company response to consumer: Closed with non-monetary relief