vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This complaint concerns three XXXXrelated tradelines ( XXXX, XXXX XXXX XXXX XXXX ). 
The accounts were charged off in late XXXX XXXX and sold to XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX  written responses dated XX/XX/XXXX ( and follow-ups on XX/XX/XXXX ) confirm the sale and that XXXX reporteXXXX XXXX XXXX0.00} balance after the sale. 
In XX/XX/XXXX, XXXX XXXX XXXX issued IRS Forms 1099-C for these debts : {$810.00} on XX/XX/XXXX and {$1100.00} on XX/XX/XXXX, indicating the debts were canceled. 
Despite the sale and cancellation, the credit bureaus show inconsistent and misleading reporting : XXXX XXXX XXXX  reflect charge-off/sold with {$0.00} balance and last activity in XXXX. 
XXXX continues to display XXXX with recent last reported/date of status updates in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) and XX/XX/XXXX ( XXXX ), even though there has been no activity or payments since XXXX. This makes the derogatory items appear newer than the true date of first delinquency ( XXXX ) and appears to be re-aging. 
I contacted the companies and provided copies of XXXX letters and the 1099-C forms. The responses I received in XX/XX/XXXX declined to correct the reporting. I am asking for an investigation into these tradelines based on the inconsistent dates/status and the 1099-C cancellations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
On XXXX XXXX XXXX XXXX, I went to my Key Bank branch to deposit a cashier 's check for {$3000.00}. I spoke to an associate at the window. He said he thought the hold would be overnight but, wasn't sure. I left the bank to go to the XXXX XXXX XXXX in downtown XXXX, NY to cash the cashier 's check as it was drawn on a XXXX XXXX account. My sister sent me the cashier 's check because I needed the check right away for basic needs, food, and medical reasons. 

Since it was Friday night, I decided it was not realistic to get to XXXX XXXXXXXX in 15 minutes. I looked up Keybank 's policy on cashier 's checks. '' KeyBank 's policy for holds on cashier 's checks generally involves placing a hold on the total amount deposited if it exceeds {$5500.00}. '' As the check was for {$3000.00}, I decided to go ahead and deposit it. I went into the branch, and the associate I had just spoken to was talking to XXXX XXXX, the branch manager. I said I had come back because I read their policy was to put holds on checks that exceed {$5500.00}. XXXX said the funds would be available by the next day and to " to check in on my mobile app '' the next day. I told her I wanted to be sure there would not be a long hold, as I had come to Keybank due to the fact my prior bank placed a 16-day business day hold on a check I had deposited. She repeated what she had just told me, handed me her business card, and said, " check your account tomorrow " ( Saturday ). Saturday the funds were not there. I called customer service and found out a 10 business day hold had been put on the cashier 's check. If they had told me the truth, I would have not deposited the check, I would have taken it to XXXX XXXX in XXXX XXXX on Monday. No where on their website does it note a 10-day hold. I made it very clear before I deposited the check, I would be angry if they did put a hold on it since I had called my sister who wrote the check. She had called her XXXX XXXX XXXX and was told, " no problem, the funds were made available when you had us create the check. '' Now, I have no money to pay my bills, buy food, or go to the Doctor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Connecticut XXXX XXXX XXXX TransUnion LLCXXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Removal of Unauthorized Credit Inquiries Dear TransUnion Dispute Department, I am writing to formally dispute and request the removal of multiple unauthorized or unrecognized hard inquiries that appear on my credit report dated XX/XX/XXXX. I recently reviewed my TransUnion credit report and noticed several inquiries that I do not recall authorizing. 
The inquiries in question are listed below : 1. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX ( XXXX ) XX/XX/XXXX 4. XXXX ( XXXX XXXX XXXX XXXXXX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), hard inquiries should only be listed on my credit report if I provided direct authorization for them. If you are unable to provide documented proof of my consent for these inquiries, I respectfully request their immediate removal. 
Please conduct a thorough investigation and inform me of your findings. Enclosed are copies of my identification documents to assist with verifying my identity : * A copy of my government-issued ID * A copy of a utility bill or other official mail with my current address I appreciate your prompt attention to this matter and look forward to your response within the 30-day period allowed by the FCRA. 
Sincerely, XXXX XXXX SSN ( last four digits ) : XXXX Date of Birth : 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 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX are false reporting against my credit data. Fair Debt Collection Practices Act ( FDCPA ) Requires collectors to prove the debt is yours.

I dispute this student loan debt. Per the FDCPA, I request full validation, including the signed promissory note and disbursement records. This loan is fraudulent and violating 1681s-2 ( b ) Furnisher ( Creditor ) Fails to Correct Inaccurate Info, 1681i Failure to Investigate Disputed Information, 1681e ( b ) Failure to Maintain Reasonable Procedures to Ensure Accuracy.

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 2025-08-10 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: SANTANDER HOLDINGS USA, INC.
State: KY

Complaint narrative:
An account from XXXX XXXX XXXX was placed on my credit report that I did not open or authorize. My Social Security number was exposed in a data breach, and I believe this account resulted from the unauthorized use of my personal information. Under FCRA 605B, I submitted an FTC Identity Theft Report, proof of identity, and a request for permanent blocking of the account, but the credit bureau has not removed it. I am requesting immediate deletion to restore accuracy and compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CAINE & WEINER COMPANY, INC.
State: KY

Complaint narrative:
An account from XXXX XXXX XXXX was placed on my credit report that I did not open or authorize. My Social Security number was exposed in a data breach, and I believe this account resulted from the unauthorized use of my personal information. Under FCRA 605B, I submitted an FTC Identity Theft Report, proof of identity, and a request for permanent blocking of the account, but the credit bureau has not removed it. I am requesting immediate deletion to restore accuracy and compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CL Holdings LLC
State: KY

Complaint narrative:
An account from XXXX XXXX XXXX  was placed on my credit report that I did not open or authorize. My Social Security number was exposed in a data breach, and I believe this account resulted from the unauthorized use of my personal information. Under FCRA 605B, I submitted an FTC Identity Theft Report, proof of identity, and a request for permanent blocking of the account, but the credit bureau has not removed it. I am requesting immediate deletion to restore accuracy and compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: TX

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies.

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future.

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also
request that Equifax be held accountable for the injury and distress they have caused.

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance.

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
This complaint concerns XXXX  and Navy Federal Credit Unions ( NFCU ) handling of a tradeline for account ending XXXX, in which both entities reported a 30-day late payment for XX/XX/XXXX despite NFCU granting a payment extension on XX/XX/XXXX. NFCUs own records show no payment was due until XX/XX/XXXX. 

1. Clear Evidence of Inaccuracy NFCU and XXXX  possessed documentary proofgenerated by NFCUthat contradicted the XX/XX/XXXX delinquency. Despite this, XXXX  continued reporting the tradeline as 30 days past due, meeting the facially inaccurate and materially misleading standards under XXXX, XXXX, XXXX, and XXXX. 

2. Multiple Disputes Ignored Between XX/XX/XXXX and XX/XX/XXXX, at least six detailed disputes ( both direct and indirect ) were filed with primary-source evidence attached. XXXX  nonetheless continued publishing the derogatory payment history without correction.

3. Failures in Reinvestigation Duties Neither XXXX  nor NFCU conducted reasonable reinvestigations as required under : 15 U.S.C. 1681i ( CRA reinvestigation ) 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) 15 U.S.C. 1681s-2 ( b ) ( furnishers reinvestigation and correction duty ) 4. Procedural Defects XXXX  delayed more than five business days to forward disputes to NFCU ( 1681i ( a ) ( 2 ) ( A ) ).

XXXX  improperly blocked further disputes under 1681i ( a ) ( 3 ) ( A ) without the required written notice.

NFCU marked disputes as duplicates without issuing the notices mandated by 12 C.F.R. 1022.43 ( f ).

5. Evidence of Willfulness XXXXXXXX  internal reports labeled the account incorrect but refused to correct it. 

CFPB advisory opinions and a XX/XX/XXXX enforcement action placed XXXX  on notice of its obligations. 

XXXX  repeatedly ignored facially false data and mischaracterized dispute codes. 

6. Independent CRA Liability Even if NFCU violated 1681s-2 ( b ), XXXX  remains XXXXndependently liable under 1681e ( b ) and 1681i to correct obvious inaccuracies and materially misleading information. 

7. Concrete Harm XXXX  continued false reporting has caused : Loss of housing and employment opportunities, particularly in clearance-sensitive aerospace/defense roles. 

Prolonged homelessness and financial instability. 

XXXX XXXX 

Missed high-level job offers due to likely clearance denial. 

Compounding harm during a white-collar recession. 

The complaint asserts that these facts support findings of both negligent and willful FCRA violations, warranting actual and punitive damages. 

The full complaint is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft or fraud. I have attached a copy of FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
> I am a senior homeowner in XXXX, California. I have lived in my home for over a decade and cared for my mother here for the last 10 years of her life until she passed away during the COVID-19 pandemic. We were both XXXX and living on fixed incomes. Losing her also meant losing half of our household income. 

I have been on XXXX XXXX XXXXXXXX XXXX ( XXXX ) for 18 years due to permanent XXXX. My monthly XXXX  income is {$1000.00}. My current mortgage payment is {$1000.00}, leaving just {$44.00} per month for all other living expenses. 

I contacted Rocket Mortgage to request hardship assistance before falling behind on payments. I am in imminent default under HUD and CFPB definitions due to fixed income, loss of household income, and major medical hardship ( XXXX XXXX  in the last 18 months ). I have never missed or been late on a payment in over a decade and I continue to make my monthly payments, including this months.

Rocket Mortgage provided a proposal that would have increased my payment by {$300.00}, doubled my interest rate from 3.25 %, and added {$20000.00} in closing costs. This was not a viable hardship solution, so I rejected it. After that, I received a letter stating they could not help me.

Multiple Rocket representatives have told me that no hardship assistance is available until you are late on payments. This is contrary to federal law. Under CFPB Regulation X, 12 CFR 1024.41, servicers must evaluate a borrower for loss mitigation if they are in imminent default, not only after delinquency. HUD Handbook 4000.1 also requires servicers to consider assistance for borrowers who are current but unable to sustain payments due to a documented hardship.

I am requesting that Rocket Mortgage review my case for an affordable hardship modification or accommodation that maintains my current 3.25 % rate and reduces my monthly obligation through partial forbearance, principal deferment, or term extension without increasing the interest rate or adding excessive costs. 

My HUD-certified housing counselor at XXXX XXXX is assisting me and can confirm my hardship and request for imminent default assistance. 

I request that the CFPB ensure Rocket Mortgage complies with applicable laws and loss mitigation requirements, and that I receive a written response within 15 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Today, XX/XX/scrub> 2025, I called PayPal customer service for help updating my email address so I can access funds of {$19.00} that has been my account without my knowledge. After speaking with agents that couldnt help me with the issue I asked to speak to a supervisor and she told that that there busy. They are busy but there is a customer service matter involving my funds not being accessible to me. This company is very unprofessional and I will be disconnecting my account do to poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This debt does not belong to me and may be the result of an error or identity theft. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you : Cease all collection activities until you provide complete validation of this debt.

Provide all supporting documentation, including any signed contract or agreement bearing my signature that proves I am legally responsible for this loan.

If you can not provide proof that this account is valid and belongs to me, you must immediately remove it from your records and notify all credit reporting agencies to delete it from my credit file.

I have never had any dealings with CREDIT COLLECTION SERVIC, and the continued reporting of this account is causing harm to my credit profile and personal reputation.

Please respond in writing within the time frame allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My personal information was leaked in the most recent data breach, causing fraudulent accounts and hard inquiries to be reported on my credit report. I did not authorize these accounts with a wet signature, nor the hard inquiries with a wet signature. I understand that I am protected under 15 U.S.C. 1681C-2, FCRA 608B, and 15 U.S.C. 1681i ( a ). This has caused my credit score to drop as well as prevent me from having anything in my own name properly.

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 2025-08-10 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: GA

Complaint narrative:
My personal information was leaked in the most recent data breach, causing fraudulent accounts and hard inquiries to be reported on my credit report. I did not authorize these accounts with a wet signature, nor the hard inquiries with a wet signature. I understand that I am protected under 15 U.S.C. 1681C-2, FCRA 608B, and 15 U.S.C. 1681i ( a ). This has caused my credit score to drop as well as prevent me from having anything in my own name properly.

Company response to consumer: Closed with non-monetary relief