vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 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: United Revenue Corporation
State: TX

Complaint narrative:
This is a notice regarding inaccurate information that continues to appear on my credit file. You have failed to properly verify the following accounts under FCRA 609, 611, and 623, which requires all reporting to be accurate and fully verifiable. To date, you have not provided : Proof of verification Documentation from the furnisher Contact details of the person who claimed to verify Any evidence showing the information is correct If these accounts can not be verified with original documentation, they must be deleted immediately. This is a lawful request for compliance with federal law. A verified response without proper documentation is not a lawful verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
I have a XXXX  account ( # XXXX ), originally {$5000.00}, which was later charged off. Despite paying {$2100.00}, my balance grew to {$7000.00} due to {$4300.00} in fees, including 10 % cash advance fees and tiered Statement Balance Fees. After payments of {$240.00} and {$240.00} on XX/XX/year>, my balance increased to {$5700.00}. The effective APR is approximately 180 %, far exceeding XXXX 36 % legal cap on consumer loans. I believe fees were applied incorrectly, some payments may not have been credited properly, and the account was inaccurately reported. I request a full review, correction of fees and payments, and accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Unfair Retention of Funds & Failure to Disclose Material Restrictions : On XX/XX/year>, I deposited approximately {>= $1,000,000} into an Openbank XXXX XXXX XXXX Account ( Division of Santander XXXX XXXX ) based on their advertised liquidity and " Available Balance '' terms. 

I am now attempting to withdraw these funds for a time-sensitive home purchase. Openbank is refusing to release my funds in a timely manner, citing undisclosed restrictions : Refusal of Wire Transfers : Despite accepting a multi-million dollar deposit, Openbank now informs me they do not support outgoing wire transfers at all. This material restriction effectively traps large balances, forcing customers to use slow, low-limit XXXX transfers. 

Arbitrary Lowering of Limits : My transaction history shows I previously successfully transferred $ XXXX ( e.g., XX/XX/XXXX and XX/XX/XXXX ). Openbank has now arbitrarily lowered my external transfer limit to $ XXXX with max of XXXX per month without notice. 

Denial of Access : At the current enforced limit of $ XXXX, Openbank is forcing me to take over XXXX business days to withdraw my own " Available Balance '' of $ XXXX This constitutes an " Unfair Practice '' under the Consumer Financial Protection Act, as the inability to wire funds was not clearly disclosed during the deposit process, and the bank is now causing me substantial financial injury by preventing a real estate closing. 

I discovered deep within their FAQ section in their website they only state - " While outgoing wire transfers aren't currently available at Openbank, we expect to launch that feature later in 2025 ''. It is XX/XX/XXXX and this is not possible as of this date.

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a formal dispute letter to Experian on XX/XX/2025, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: FL

Complaint narrative:
I just want to Follow up this complaint regarding multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion. My XXXX Mortgage account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported inconsistently : Experian shows a balance of {$230000.00} with a last activity date of XX/XX/XXXX and a 30-day late payment reported on XX/XX/XXXX ; Equifax shows the same balance with a last activity date of XX/XX/XXXX with no late payment flagged ; and TransUnion reports the balance of {$230000.00} with a last activity date of XX/XX/XXXX and a 30-day late payment. These discrepancies are inaccurate because I have made all payments on time. Additionally, XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported by Experian as having a late XXXX payment on XX/XX/XXXX, while it is not reported at all on Equifax and TransUnion ; XXXX account was paid in full and closed with no delinquencies. Finally, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is reported by Equifax as having a 30-day late payment in XX/XX/XXXX with a balance of {$6700.00} and last activity of XX/XX/XXXX, but this account is not reported on Experian or TransUnion, and all payments were made on time. These errors have caused me undue stress and may negatively affect my ability to secure credit, and I am seeking immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: PA

Complaint narrative:
I noticed that these inaccurate accounts are still appearing on my credit report and they have not been taken off. This has me extremely stressed and I am begging that the documents I attached be looked over carefully so I can finally stop worrying about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CO

Complaint narrative:
I am submitting this complaint legitimately and demand immediate attention. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my life. I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. Resolving this issue is critical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CA

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FRCA ). Please remove this unverifiable item.

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 2025-12-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP
State: IL

Complaint narrative:
On XXXX XXXX, yesterday I received a letter from Keybank informing me that on XXXX XXXX there will be a XXXX XXXX monthly inactivity fee.However, this was a prepaid card I had from the Illinois XXXX XXXX during the pandemic when I was furlougned.Am now back at work.Tried to call yesterday and unfortunately no one answer so I decided to now pursue other avenues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint against Chase Bank for failing to properly investigate and remove XXXX fraudulent credit card accounts that were opened under my name without my knowledge or authorization. The fraudulent accounts are Chase credit cards ending in XXXX, XXXX, and XXXX. 

I did not open these accounts. At the time they were created, I was living abroad, which makes it impossible for me to have been involved. Additionally, the bank account used in connection with these credit card applications was also fraudulent. I have included a letter from the bank confirming that the account was not opened by me. 
To support my identity theft claim, I submitted to Chase : FTC Identity Theft affidavits, Proof of identity, and Documentation proving the associated bank account was fraudulent. 
Despite receiving all required materials, Chase has failed to comply with the Fair Credit Reporting Act, specifically FCRA Section 605B, which requires a furnisher to block and cease reporting fraudulent information when a consumer provides an identity theft report and supporting documentation. 

Under FCRA 605B, Chase is legally required to : Stop reporting the disputed fraudulent accounts, Block the information from appearing on my credit reports, and Conduct a proper investigation based on the materials provided. 

Chase has not done this. They have continued to report these fraudulent accounts, failed to conduct a reasonable investigation, and provided poor communication and inadequate responses to a documented victim of identity theft. Their non-compliance has caused ongoing harm to my credit, delays in resolving my identity theft case, and significant frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CreditNinja Lending, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I was contacted by Credit Ninja regarding an alleged debt of {$1100.00} ( as reported on my credit report ). I requested complete validation of this debt under the Fair Debt Collection Practices Act, including : The original creditors name and contact information Documentation showing the amount claimed Any signed agreements or contracts Proof that I am legally obligated to pay this debt Despite my written request on XX/XX/year>, and a follow-up on XX/XX/year>, Credit Ninja failed to provide the required validation. Their response did not include the original creditor information, account statements, signed agreements, or any evidence that I owe the amount claimed. 

Despite my repeated requests for validation and my clear dispute of the debt, Credit Ninja continues to attempt to collect payment. I have received multiple communications from them, including phone calls, emails, and letters, demanding payment for a debt that I do not owe. Their ongoing attempts to collect this alleged debt are harassing and improper, especially given that they have failed to provide the legally required documentation proving that the debt is valid. 

The debt is not mine, and Credit Ninja has continued reporting it to credit bureaus, negatively impacting my credit score. I have never received goods or services from this creditor and have never agreed to this debt. 

I am requesting that the CFPB investigate this matter and ensure that Credit Ninja removes this invalid debt from my credit reports and ceases any collection attempts.

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 2025-12-10 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-12-10 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:
After reviewing credit report I see that there is fraudulent activity on there, I have police report, FTC report, and irs documents for proof of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
In XX/XX/year>, I received a debt collection letter from Credit Control , LLC regarding an alleged XXXX XXXX  account. On XX/XX/year>, I formally disputed the debt and requested full validation under the Fair Debt Collection Practices Act ( FDCPA ). 

I specifically requested : A copy of the original signed contract/agreement A complete and itemized accounting of the balance Documentation showing the date of last payment or activity Proof of assignment or legal authority to collect Full account history from the original creditor Credit Control did not provide any of the requested documentation. 
Instead, they continued collection activity by sending settlement offers and payment demand emails. 

I sent a second written request for validation on XX/XX/year>, and a third Final Request for Validation on XX/XX/year>. None of these requests were answered with any validation. The company only continued to send settlement offers. 

They have not provided any verification of the debt, yet they continue to attempt collection. This is a violation of the FDCPA requirement to cease collection until the debt has been validated. 

I am requesting that the CFPB require Credit Control , LLC to either : ( 1 ) Provide the full validation documents requested, or ( 2 ) Cease all collection activity and close the account.

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 2025-12-10 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
As of XX/XX/year>, my mortgage was paid in full with Select Portfolio Servicing , Inc . They sent me my letter of paid in full along with the final statement. However, twice since then, they have continued to take an electronic payment from my bank account. The first time, they sent me a notice saying they received the electronic payment and will not apply the payment to my account because it has been paid in full. They returned the money back to my bank. Unfortunately, they took an electronic payment of {$680.00} on XX/XX/year>. The electronic payments were set up through them, SPS, when they took over the mortgage. However, I have now paid it off and they still keep taking the money. This is now called fraud as they are no longer my mortgage company,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Medical Recovery Services, LLC
State: ID

Complaint narrative:
I am sending this about Medical Recovery Services on XX/XX/XXXX, and then them sending me to XXXX XXXX XXXX to being sued. 
It started back in XXXX of XXXX where I started paying them $ XXXX {$350.00} each paycheck since XXXX of XXXX, and each time I get them paid off they turn around, and send me more attorney notices delivered by an officer that if I don't pay said funds I will get taken to court or go to jail. 
From XX/XX/XXXX to current as of XX/XX/XXXX I have paid Medical Recovery Services and XXXX XXXX {$3300.00}. 
And now I have received another final notice from Medical Recovery Services dated XX/XX/XXXX that I owe {$280.00}. 
I feel at this point with all my compliance and willingness to pay I am tied of them coming after me every time I pay something off. 
Please help me.

Company response to consumer: Closed with explanation