vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Figure Technologies, Inc
State: ME

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Figure Lending regarding deceptive and unfair lending practices related to my Home Equity Line of Credit ( HELOC ). I believe their actions may constitute a violation of the Truth in Lending Act ( TILA ) and unfair lending practices under federal consumer protection laws. 
In XX/XX/XXXX, I obtained a HELOC from Figure Lending based on an initial appraisal of {$680000.00}. At closing, I was informed that I had to take the full loan disbursement but was assured by the loan representative that if I repaid any unused portion, those funds would be available for withdrawal in the future. Relying on this representation, I repaid {$25000.00} shortly after closing. 
In XX/XX/XXXX, I attempted to withdraw funds from my available credit and was denied. Figure Lending claimed that my home 's value had suddenly dropped to {$530000.00}, a nearly 25 % depreciation in just four months. This drastic and highly improbable change raises serious concerns about the legitimacy of their valuation process. 
In XX/XX/XXXX, I formally appealed the decision, but Figure Lending stood by their reassessment, which was based only on a drive-by appraisalan unreliable and incomplete method of property valuation. 
I believe Figure Lending engaged in the following deceptive and unfair practices : 1. Misrepresenting loan terms by assuring continued access to repaid funds, only to later deny it. 
2. Using an inflated appraisal at origination to maximize initial disbursement and later applying a questionable, significantly lower valuation to restrict access. 
3. Employing an unreliable drive-by appraisal to justify denying credit access. 
I respectfully request that the CFPB investigate Figure Lending and determine whether their practices violate TILA, UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ), and other relevant regulations. 
Please advise me on how to proceed with this complaint and any further steps I may take. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-02-14 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: MN

Complaint narrative:
I have requested information from Experian and XXXX and XXXX to verify the status of multiple delinquent accounts on my credit report that have been paid off. However, both agencies have refused to provide the necessary documentation to confirm this, despite my efforts to resolve the issue. This lack of cooperation has hindered my ability to rectify my credit report and obtain accurate information regarding my financial standing.

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 2025-02-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions 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 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-02-14 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: NJ

Complaint narrative:
I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigate. The inaccuracies are highly interest to my credit score. XXXX XXXX XXXX - XXXX In accordance with the fair credit reporting act, Public Law 91506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the accounts with and follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-02-14 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-14 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
On multiple occasions between XX/XX/XXXX and XX/XX/XXXX, USAA denied me auto insurance coverage based on undisclosed underwriting criteria. USAA relies on XXXX XXXX reports to assess eligibility but failed to provide transparency regarding how my report impacted their decision. 

Key Issues : 1 USAA Provided Misleading and Contradictory Statements About Their Underwriting Criteria When I originally asked about their underwriting lookback period, multiple USAA representatives told me it was 3 years. 

However, in a call with a representative from XXXX XXXX XXXX, she admitted that previous agents gave incorrect information and confirmed that USAA actually uses a XXXX review period. 

This misinformation prevented me from making informed financial decisions about my eligibility and coverage options. 


XXXX USAA Contradicts Itself About Whether Underwriting Is " Fluid '' or Fixed The USAA XXXX XXXX representative stated that underwriting is " fluid '' and subject to change. 

However, she also told me I should reapply on XX/XX/XXXX. 

If underwriting is fluid, how can USAA guarantee that date? 

This contradiction suggests that USAA is arbitrarily applying underwriting decisions without accountability or transparency. 


XXXX USAA Uses XXXX XXXX Reports Without Allowing Me to Dispute the Data USAA confirmed in their DOI response that they rely on third-party XXXX XXXX XXXX XXXX assess driving history. 

However, I was never given the opportunity to review or dispute this data before being denied coverage. 

This raises concerns that USAA XXXX be using outdated or incorrect information to unfairly deny coverage. 


XXXX USAA Refuses to Disclose the Accident Threshold for Eligibility When I asked for the number of accidents that result in automatic denial, the USAA XXXX XXXX representative confirmed that USAA does not disclose this information. 

This lack of transparency leaves consumers in financial limbo, unable to know when they will qualify again. 

Without a clear standard, USAA can arbitrarily deny coverage without accountability. 


Given that state regulators ( DOI ) have confirmed they do not oversee underwriting decisions, I request that CFPB investigate XXXX lack of underwriting transparency, improper use of consumer reports, and misleading communication regarding eligibility criteria. Without clear regulatory oversight, USAAs arbitrary denials create unfair financial harm to consumers who are left without insurance options. 

If needed, I can provide a transcript of my conversation with XXXX XXXX XXXX, where they admitted their agents previously misrepresented their underwriting policies and that their criteria remain undisclosed to consumers.

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 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing you because I sent this complain about TD Bank to the XXXX XXXX XXXX and they sent me the TD Bank business profile, and I saw you had already been dealing with TD Banks dastardly ways!

TD Bank, N.A., says I owe them money that I don't owe. 
I requested a balance transfer from XXXX XXXXXXXX XXXX credit cardXXXX XXXX XXXX to TD Bank ( when I opened a new credit card, which I have since canceled ), on XX/XX/year>, and because I had so much trouble with customer service, the online system, etc., immediately thereafter, I asked them to cancel the balance transfer. 
They said it was too late -- this was 12 hours after the balance transfer was requested -- and that XXXX XXXX had to reverse the balance transfer. 
The balance transfer was reversed on XX/XX/year>. And on XX/XX/year> I did a balance transfer to a new credit card at XXXX XXXX 
I have been getting bills from TD Bank ( with late payment fees ) since then. 
I am attaching the last letter I sent them and the accompanying documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-02-14 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: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
There are XXXX collections being reported to the consumer agencies by Lockhart Morris & Montgomery. Account numbers are XXXX and XXXX. The original creditor is XXXX XXXX XXXX which is a medical provider. On XX/XX/XXXX, I requested documents that established contractual relationship that entitles Lockhart Morris & Montgomery to enforce claims and or collections against me, XXXX XXXX, which has not been provided. I also requested derogatory remarks as a result of this dept be removed from my credit report. To my understanding, as of XX/XX/XXXX, medical dept is no longer allowed to be reported to credit reporting agencies. Derogatory remarks concerning these matters, which are medically related, are harming my credit profile. Please assist in the removal of these collections from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I wanted to add that I was also a victim of this complaint : XXXX : XXXX " Capital One violated the XXXX XXXX on deceptive acts and practices by misrepresenting that XXXX XXXX  was and would be its only high-interest savings product and the CFPAs prohibition on abusive acts and practices by taking unreasonable advantage of XXXX XXXX  account holders lack of understanding of the material risks and costs of the XXXX XXXX product. '' In XXXX XXXX, I opened my " XXXX XXXX '' with the promise of high interest rates ( around 1.5 % ). I kept it as is for years, without my knowledge in XXXX it decreased to 0.6 % and then by XXXX was down to 0.3 %. I have this all tracked in my bank statements. 

Throughout this time ( 4 years ), I received hundreds of Capital One marketing emails. However none of these emails included information a higher yield savings account. I only discovered the " XXXX XXXX XXXX '' account when I was doing my own external research in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Debt Validation was not verified by Debt collector Synerprise Consulting is in violation of the FCRA XXXX FTC reporting laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
On XX/XX/2024, I discovered that there was XXXX accounts under my name that did not belong to me. I disputed them with Equifax and they came back verified so I reached to Equifax. They said I had to contact the creditors which I did. By certified mail on XX/XX/2024. 
I waited the 30 day period for them to respond back and never heard back from them on XX/XX/XXXX. I mailed another certified letter to the creditors I had a response from XXXX XXXX XXXX Mail saying that they could not provide information on the account because the information did not match their records and it was the only one that responded back So XX/XX/XXXX I sent a certified dispute letter to Equifax with copies of the letters that was sent to the creditors copy of all receipts, sent to the creditors and showing Equifax that they had to delete this from my account as it immediately because all creditors had failed to comply with federal regulation. They did not put any notes into dispute section on my credit report. They did not respond on the properly time so I mailed a certified letter came to find out. It came back verified again from Equifax. I reached Equifax on the phone and they said they couldnt do anything so I am filing this complaint today against Equifax, not complying with the federal regulations I am demanding them to delete this from my credit report

Company response to consumer: Closed with non-monetary relief