vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
i dispute the bond/advance payment made to XXXX  XXXX. Please refer to the contract/bill in question. XXXX XXXX claims that there is still an outstanding amount owed, whereas they have already sought payment from the Treasury, as per 18USC8 or 31USC3123. Pursuant to 31CFR240.14, the check issued to an incompetent payee is mentioned. They allege incompetence on my/our part, but no power of attorney has been granted to them. i am the rightful power of attorney, holding the sovereign position. i serve as the Fiduciary for this account. No part of attorney forms, including FS Form 232, FS Form 233, FS Form 234, have been submitted by me or on my behalf. i request the investigation of all bonds created under my name. Kindly liquidate these bonds and ensure the return of lawful money to the beneficiary, restoring it to the principal.

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 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service
State: CO

Complaint narrative:
Correspondence sent to AAFES and XXXX on XX/XX/year> disputing debt and to vacate the XXXX XXXX. AAFES responded on XX/XX/year> stating " Your accounts is with our third party collection agency, XXXX. '' XXXX has not responded at all. 
These alleged debts are over XXXX XXXX XXXX, way outside of the statute of limitations.

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 2025-12-03 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: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I am filing a complaint against XXXX  for reporting and refusing to remove an unauthorized hard inquiry by XXXXINDIGO dated XX/XX/year> on my consumer credit report. 

I did not apply for credit, give consent, or conduct business with XXXX/INDIGO. This inquiry is inaccurate, unverified, and unlawful under the Fair Credit Reporting Act ( 15 U.S.C. 1681b and 1681e ( b ) ) which limits access to consumer credit files to entities with a permissible purpose. 

Despite disputing this inquiry, XXXX  continues to report it without providing any proof of authorization or written certification from the furnisher. 

Additionally, I was impacted by the XXXX  data breach and face heightened risk of identity theft. This inquiry further indicates improper access to my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
I was looking through my credit file and noticed credit inquires that are not minee.

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 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
Security Credit Services ( SCS ) is attempting to collect a credit card debt using false information, improper service, and misleading court filings. They sued a person who is not me by using the wrong legal name ( XXXX XXXX instead of my correct name ) and a wrong ZIP code ( XXXX, XXXX instead of my correct XXXX ZIP ). Because of this, I was not properly notified of the lawsuit, and service was defective. 

Despite knowing of the error, SCS continued to file motions in court under the wrong identity, including a motion to reinstate the case and request a default judgment. They also mailed court notices under the wrong name/ZIP, creating the appearance of service when they did not legally serve me. 

I disputed the debt and requested validation and correction of the inaccurate information. They did not provide proper validation, did not correct the misidentification, and continued collection activity. They are also reporting this account to the credit bureaus, despite the debt being tied to the wrong name and the lawsuit being defective and dismissed. 

SCSs actions violate the FDCPA, including : Attempting to collect a debt not properly owed by me due to misidentification Failing to provide proper and lawful notification of a lawsuit Using false, misleading, and inaccurate information in a debt collection attempt Continuing to report inaccurate information to credit bureaus Attempting to obtain a default judgment based on incorrect identity Their conduct has caused stress, credit harm, and required unnecessary court filings to correct their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not assured to be of the maximum possible accuracy. These errors are profoundly affecting me, causing significant distress and ongoing negative impacts that are difficult to fully articulate. These are challenging times, and correcting or removing these inaccuracies would provide immense relief and support.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX, am writing to provide a detailed account of the events surrounding the freezing and potential closure of my account at Golden 1 Credit Union. 
On XX/XX/year>, I deposited a check for {$1000.00} via the mobile application. The deposit was a gift from my girlfriend 's grandmother to assist with securing a home. I received an electronic confirmation that the deposit was successful and accepted. 
The following day, XX/XX/year>, I withdrew {$500.00}, which was within the daily limit I am permitted to take. XXXX days later, my account was locked and sent to the Fraud Department. 
Upon contacting the bank, I was informed that my account would remain locked until I provide a letter on letterhead from my girlfriend 's grandmother 's bank. The letter must state that the check was written to me on the specific date and include the check number. A bank representative also stated that if I do not supply the requested letter after 45 days, my account will be closed, and I will forfeit the funds within the account. 
My girlfriend 's grandmother has confirmed that the funds for the check have been taken from her account. Since the account freeze, I have lost the opportunity to rent the home I was pursuing. Additionally, my direct deposit from my employer is unavailable to me, as my card and account are locked, even though the bank accepted the deposit in writing. 
I am cooperating fully with the investigation and am prepared to provide the account statement from my girlfriend 's grandmother 's bank. However, the requirement for a specific letter format, which is not available, is preventing me from resolving this issue. The ongoing freeze on my account has caused significant financial distress and inconvenience. I request a prompt resolution to this matter and ask that Golden 1 accept the account statement as valid documentation. 

XXXX days after providing screen shots of the check that had cleared XXXX bank, and reaching our to Golden 1 and beiong told that they still wanted a statement on letterhead from XXXX XXXX, I was able to escalate to a manager in the Fraud department, upon getting on the phone she declared that what was provide has satisfied her to release the funds. When I inquired about why this check was flagged the answer was simply AI ( artificial intelligence ) did it. I lost a rental I was trying to secure and was rendered hoemless, because of AI. I have since closed the account, but feel that Golden 1 should do better by their consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
I am a documented victim of identity theft, and several fraudulent accounts continue to appear on my credit reports even after I submitted my FTC Identity Theft Report, ID, proof of address, and identity-theft affidavit. Under FCRA 605B, the credit bureaus are required to block identity-theft-related information within 4 business days. It has now been over two weeks, and none of the bureaus have blocked or deleted the fraudulent accounts. 

The following fraudulent accounts remain on my file and were opened without my authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The credit bureaus also failed to comply with FCRA 611 by not completing a proper reinvestigation and not providing the required Method of Verification. Instead, they continue to report or re-report inaccurate information that does not belong to me. 

This failure to block, delete, investigate, and prevent reinsertion has caused ongoing harm, including score drops, credit denials, financial hardship, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
This account was a total loss and paid in full effective XX/XX/year> for {$810.00}. I was never 30 days late on any payments. The last payment owed was for XX/XX/year>, how is it reporting 30 days late for XX/XX/year>. Called XXXX on XX/XX/year> to try to clear the issue up, the rep said he didn't see any late payments on the account and I would have to dispute directly with the credit bureaus. The last payment due was for XX/XX/year>, there was no payments due in the month of XX/XX/year>. This account should have been closed once the payoff was made on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I made a {$410.00} purchase through XXXX XXXX 's website on XX/XX/XXXX, for shoes I never received. I paid using XXXX 's XXXX feature, so the purchase itself was split into XXXX separate biweekly payments ( XXXX {$100.00} payment and XXXX {$100.00} payments ). I contacted the merchant to report my package as lost/stolen, and they refused to process a refund. Next, I contacted XXXX to dispute the transaction for the same reason, and my dispute with them was auto-closed before we could reach a resolution. I then filed a claim with my bank, Capital One, XXXX XXXX, which I later had to resubmit due to an error on their end. Since then we've been going back and forth disputing the XXXX charges with the XXXX  that XXXX of the disputes was successful and I was reimbursed for that single charge in XX/XX/XXXX. XXXX sent the chargeback to collections. I contacted Capital One today, XX/XX/XXXX, because I hadn't heard anything from them since my last communication related to this dispute in XX/XX/XXXX. The representative initially informed me that the XXXX remaining claims were rejected because I authorized the transaction, and, upon speaking to their supervisor, I was informed that the reason the claims were rejected is because the charges were processed as XXXX transactions and not debit card transactions. The supervisor also advised that I use my debit card for future purchases to avoid a situation like this in the future. I wanted to reach out and see if this information is accurate so that I can make better-informed decisions in the future. While this time the transaction was not for an exorbitant amount, I often process large payments via XXXX and want to make sure I can recover my money if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) reported a collection account to my credit file without ever providing me proper notice or the required XXXX dispute period. All notices were sent to an address where I do not live, and I never received them. I only learned of the alleged debt after it appeared on my credit report. 

This violates : FDCPA 809 ( 15 U.S.C. 1692g ) failure to provide notice and dispute rights FDCPA 807 false/misleading representations FCRA 623 ( a ) ( 1 ) reporting information that is not verified or accurate Requested Resolution : Remove/delete this collection account from all credit bureaus Provide full validation and documentation of any alleged debt Investigate XXXX compliance with FDCPA and FCRA obligations My Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX Collector XXXX National Credit Systems Account Number : XXXX Amount Reported : {$7100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have a Chime Account that includes a checking and credit accounts. On XX/XX/year> I received an email stating that my credit card account was closed, this is after immediately making an instant loan payment to Chime. I immediately called Chime and was told by a Chime member that my account was compromised and they was working on making my account secure and they would restart the account. A few emails and text messages were received to verify account. The phone call was dropped and at the same time, I personally saw in my account that my credit account along with my {$55.00} was no longer visible in my account and credit account was closed. I DID NOT CLOSE MY ACCOUNT. I spend several hours on the phone with chime at the same these transactions are being done. I then received an email stating my money was transferred to a XXXX that is not mine. All these transactions are being done WHILE I'm on the phone with Chime trying to resolve fraudulent activity on my account- {$550.00} was transferred to a XXXX. I also immediately while still on the phone tryings to resolve fraud, more fraud is being conducted - I filled a dispute for the money transfer. While still on the phone with them on the dispute, I also received another email for a {$9.00} to transfer my money to a XXXX that DOESN'T BELONG TO ME. So a total of {$560.00} was transferred that included a transfer fee of {$9.00}. So I filled another dispute for that charge online and discussed it with them. They said they have filled a dispute and will contact me by email with the results. I received an email on XX/XX/year> starting that my dispute has been closed and they would not be refunding anything. I'm highly upset that I was scammed and I believe it was conducted by someone that works at Chime. Dispute was closed within XXXX business days of filing and I didn't believe a proper investigation was done, leading me to further conclude that I was scammed by a Chime XXXX. They did not resolve my issue and furthermore closed it without properly investigating. I immediately called them after receiving email that stated my dispute was resolved. I spent over XXXX hours on the phone with Chime, upset at the outcome because now my money was gone and credit account was closed and they could not further assist with this matter that has not been resolved. How do I even know who the money was transferred? Furthermore, I expected more information from the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not XXXXXXXX XXXX accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: WA

Complaint narrative:
CFPB XXXX XXXX KeyBank XXXX XXXX XXXX XXXX XXXX XXXX Bank : KeyBank Issue : Refusal to comply with Washington XXXX XXXX ( Small Estate Affidavit ) I am filing a complaint because KeyBank has refused to accept my valid XXXX XXXX XXXX under Washington XXXX XXXX ( XXXX XXXX ) and will not release the funds from my deceased mothers account, even though all legal requirements have been met. 

Details : My mother, XXXX XXXX XXXX, passed away on XX/XX/year>. 

Washington law requires that 40 days pass before the affidavit can be used. 

As of XX/XX/year>, 42 days have passed. 

I presented a legally compliant XXXX of XXXX under XXXX XXXX. 

KeyBank branch employees refused to accept the affidavit. 

I contacted KeyBank  XXXX, and they also refused to close the account. 

No probate has been opened, and I am a rightful heir under Washington intestate law. 

I have already filed a complaint with the Washington Department XXXX XXXX XXXX ( XXXX ). 


Violation : RCW 11.62.020 ( 1 ) This law states that once the successor presents a valid affidavit, the institution shall deliver the property. KeyBank has refused to comply with this mandatory requirement. 

Requested Resolution : I request that CFPB require KeyBank to : XXXX. Accept my Affidavit of Successor under RCW 11.62 XXXX. Release the estate funds immediately XXXX. Provide a written explanation for their refusal XXXX Review and correct any internal policies in conflict with WA XXXX XXXX XXXX refusal has caused delay, stress, and financial hardship. I request immediate regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: 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 2025-12-03 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: CA

Complaint narrative:
After looking through my credit file XXXX seen inquires that do not belong too me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Clark County Collection Service
State: NV

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation