vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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:
On XX/XX/year>, I submitted a dispute letter to Equifax, requesting an investigation into inaccurate items listed on my credit report. Along with my dispute letter, I provided all necessary identification documents to verify my identity, including a copy of my photo ID, social security card, and a XXXX form displaying my current address. 
In my dispute letter, I explicitly requested the following information from Equifax regarding the verification process : - Details on how the disputed item was verified. 
- The date when Equifax contacted the creditor and furnisher. 
- Contact information for the creditor and the furnisher. 
- The name of the person who verified the item. 
- The method of communication used to verify the information ( e.g., phone, email, mail ). 
- Confirmation whether the creditor and furnisher provided any sensitive personal information such as my Social Security Number, address, and date of birth during the verification process. 

Despite providing all the necessary documentation and clearly outlining my concerns, I have not received any results or updates from Equifax regarding my dispute. It has been over 30 days since my submission, and Equifax has failed to communicate any resolution or progress. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. XXXX inaction and failure to respond to my dispute appear to be a direct violation of this requirement and deny me my consumer rights. I am including a copy of my dispute letter sent to Equifax as evidence to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
These fraudulent accounts should be immediately removed from my credit record because I did not authorize them and was not aware that they were there. As per USC 1681g, kindly remove them within 15 days. Attached are supporting materials.

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 2025-05-09 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: BTH Management
State: TX

Complaint narrative:
I am reaching out to PLAZA SERVICES LLC to highlight my serious concern about certain details in my credit profile. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information reporting the fraudulent account : PLAZA SERVIC ( Original Creditor : XXXX XXXX ) XXXX DATE OPENED XX/XX/year> Balance : {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I did mobile deposit check in the amount of {$750.00} on XX/XX/XXXX which came a standard hold time of XXXX days with partial amount of {$500.00} being released on XX/XX/XXXX and the remaining {$250.00} being release on XX/XX/XXXX with no problems. I do my second mobile deposit check of {$1000.00} on XX/XX/XXXX but the hold times were a not as long with {$500.00} being release on XX/XX/XXXX and the last {$500.00} being release on XX/XX/XXXX. XX/XX/XXXX comes around no partial release. The representative told me specifically that Sofi was experiencing PROCESSING ERRORS during this time and he assured me that my full check will be released on XX/XX/XXXX. Today is XX/XX/XXXX and of course there isnt any funds released into my account. I immediately call the bank asking for an explanation, and was notified that Sofi bank put an extended hold on my check til XX/XX/XXXX. I asked why and there only reply was that Sofi is online bank and not a branch. But never answered the question why. I have bills to pay, and when I told them they can actually verify the check by calling my employer. They remained quiet with no answer to my response. I feel that Sofi is taking advantage of small situation that can be easily prevented by verifying the check with my employer and calling to confirm if the check was issued, but they choose not to, and keep me under an imaginary hold that no required as I know the bank has already received the funds from my employer. I would like an exact answer why the extended hold, why not call to verify my employer to confirm the check and RELEASE MY FUNDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One Auto Finance XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX On XX/XX/XXXX we purchased a vehicle from XXXX XXXX XXXX and got the financing from Capital One. On XX/XX/XXXX we paid off the loan and received a letter from Capital One stating paid in full. 

We still to this day do not have a title for this car. 
I have called Capital One multiple times and they keep explaining that they are working on the issue. We keep getting ignored and finally yesterday I got some information from someone at Capital One stating that they never received the title from XXXX XXXX XXXX. 

We have contacted the XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX XXXX. He advised us to get legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information

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 2025-05-09 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: PA

Complaint narrative:
Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
My USAA checking account was hacked. The hackers accessed my account, disputed XXXX chargers and even added themselves to my account, USAA then issued credits to my account for the items the hackers disputed. The hackers then took the money that USAA added. Banks are insured for this kind of stuff. All I want is for USAA to put the money back into my account that the hackers took. USAA is taking money from my XXXX XXXXXXXX check that was deposited and now cant pay rent and my account is negative.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Request for Removal of Personal Information Under 15 U.S.C. 16811681x ( FCRA ) To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., to formally request the removal of specific personal information from my credit report that is inaccurate, outdated, or otherwise unverifiable. 

Under 15 U.S.C. 1681g ( a ), I have the right to request all the information in my credit file, including the sources of that information. I have reviewed my credit file and identified the following personal information that I believe should be removed : 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  This information is either outdated , not associated with me, or unverifiable. Per 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation to determine the accuracy of any disputed information, and delete or correct any information that is found to be inaccurate or can not be verified. 

Additionally, under 15 U.S.C. 1681c ( a ), certain types of information may not be reported beyond a specified period. Although this provision typically applies to adverse information, it reinforces the importance of maintaining accurate and current personal data in a consumers file.

Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in my report. Maintaining obsolete or incorrect personal data directly contradicts this statutory obligation.

If the disputed information can not be verified, it must be deleted pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). You are also required to notify me of the results of your reinvestigation within 30 days, as outlined in 15 U.S.C. 1681i ( a ) ( 6 ). 

I am requesting the removal of the information listed above from my credit report across all reporting formats. Please send me written confirmation once the removal has been completed or documentation supporting your determination if the information is not removed. 

Thank you for your prompt attention to this matter.

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 2025-05-09 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: VA

Complaint narrative:
I'm reaching out regarding an inquiry listed on my credit report that I did not authorize. This inquiry was made without my consent and, to be clear, there was no permissible purpose for it under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: VA

Complaint narrative:
I am writing to formally dispute the following item on my credit report. The information being reported is inaccurate and does not meet the standards of accuracy and fairness required under the Fair Credit Reporting Act ( FCRA ). Specifically, it fails to reflect maximum possible accuracy, as mandated by federal law.

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 2025-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: KEYCORP
State: WA

Complaint narrative:
I am filing this complaint against KeyBank for unjustly rejecting a XXXX XXXX XXXX XXXX HAF ) payment related to the mortgage on my home at XXXX XXXXXXXX XXXX  XXXX, XXXX WA XXXX. 

I am a confirmed successor in interest under federal mortgage servicing regulations ( XXXXXXXX XXXX XXXXXXXX ( d ) ). KeyBank has received and acknowledged documentation proving my legal ownership, which I acquired through a divorce decree and recorded deed. Despite this, KeyBank has refused to accept the XXXX funds approved on my behalf, citing XXXX reasons : ( XXXX ) that I am not the original borrower, and ( XXXX ) that there is pending litigation related to the divorce decree. 

These justifications are invalid. Federal regulations require servicers to treat confirmed successors in interest as borrowers for servicing purposes, regardless of whether they signed the original loan. Furthermore, pending litigation does not change my recorded legal status. Unless a court rules otherwise, I remain the lawful owner and rightful recipient of homeowner assistance tied to this property. 

KeyBanks refusal appears to be an internal policy decision that conflicts with both federal servicing requirements and the intent of the XXXX program, which was established to provide urgent relief to homeowners facing hardship. I have also been advised that the XXXX funds allocated to my case may be permanently forfeited if not promptly accepted. This delay places me at significant financial risk and undermines a critical federal relief program. 

I believe KeyBanks actions are inappropriate, harmful, and potentially discriminatory, given that my legal status as a successor has already been recognized. 

In addition to KeyBanks refusal, I have been informed that the original borrower my ex-husband is actively rejecting or refusing to authorize the acceptance of XXXX funds, despite the fact that he no longer owns the property. 

As the confirmed successor in interest, I am the current legal owner and have the right to seek assistance for the mortgage under federal servicing rules. His refusal should not block the acceptance of funds, as my ownership has already been verified, and I am the party experiencing financial hardship. 

Allowing a non-owner to obstruct assistance when the rightful owner has been recognized is both inappropriate and contrary to the goals of the XXXX program, which was created to prevent unnecessary foreclosure and hardship. 

I request that the CFPB investigate and urge KeyBank to override this obstruction and to immediately accept and apply the funds before they expire.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: VA

Complaint narrative:
I am writing to formally dispute the following item on my credit report. The information being reported is inaccurate and does not meet the standards of accuracy and fairness required under the Fair Credit Reporting Act ( FCRA ). Specifically, it fails to reflect maximum possible accuracy, as mandated by federal law.

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