vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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:
For the last XXXX months, I have been contacting Experian, letting them know that I was a victim of identity, theft, and all the negative accounts that were associated with them were part of that identity theft, and they I dont feel like have done the research to have these items taken off of my credit report I submitted a cease and deceased letter to them on two separate occasions for XXXX XXXXXXXX to no avail I would like for them to either validate this debt or dismiss and clear this debt off my account. This is not my debt that was a part of identity theft.

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: FL

Complaint narrative:
I have attempted on XXXX separate occasions to close XXXX dormant KeyBank accounts a checking account ending in XXXX and a savings account ending in XXXX. Each time, KeyBank representatives delay the process with arbitrary excuses, causing the chat to eventually time out. 

On my most recent attempt ( XX/XX/year> ), after over XXXX XXXX of chat time and escalation to a supervisor, I was told that small internal transfers between my own accounts totaling {$25.00} were preventing closure. These were simple transfers between my checking and savings account and have left both accounts at a {$0.00} balance. 

Despite my repeated good faith efforts, KeyBank refused to either close the accounts or schedule their closure for a future date when the transfers clear. I also requested written confirmation that no further fees would accrue while waiting, which was not provided. 

I have requested a transcript of the chat for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Credit Acceptance changed the balance on my auto loan account they claim I owe after a repossession that I do not have knowledge of, while I had an open legal complaint and active dispute. They never provided verification or documentation explaining the change. 

XXXX XXXX is reporting XXXX and XX/XX/year> as Derogatory months on my credit report, even though they said the vehicle would be sold after XXXX, they claim the vehicle was sold in XX/XX/year>. Reporting a default or deficiency status before the vehicle was soldand before the balance was even finalizedis both false and misleading. 

This is happening while my dispute is still active with the courts. These actions are damaging my credit and appear retaliatory or deceptive in nature. 

They also failed to offer an explanation of altering the balance they reported to the credit bureaus after that balance was verified as accurate when I requested it. I believe they are misreporting and failing to follow the Fair Credit Reporting Act ( FCRA ), and I request a full investigation.

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 2025-05-02 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 is my formal request XXXX address and resolve the unauthorized accounts XXXX inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading XXXX a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out XXXX  your office with great urgency XXXX  respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing XXXX  apply for a loan that explicitly requires a high XXXX  score XXXX  be considered eligible. Your prompt attention XXXX  this dispute would be greatly appreciated XXXX  would help me move forward with my financial plans. Thank you in advance for your support XXXX cooperation

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 2025-05-02 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting XXXX XXXX XXXX I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My husband and I have been victims of identity theft, forgery, embezzlement and fraud. There is currently an active investigation going on by the State and Federal authorities into the individuals involved. The master mind was our business XXXXXXXX that had worked for us for the past XXXX years. He had also been the bank XXXX where we had opened our business accounts the year before. We do know that the business XXXX had been embezzling from XXXX while he worked at the bank. 

Last year the business XXXX had us refinance our home mortgage stating that we needed the money to put into the businesses we own. We believe he had gotten the loan with forged financial statements as our businesses were struggling at the time, due to the business managers embezzlement. The loan has a very high interest rate and we have been struggling to navigate through the current financial mess. Our bookkeeper has asked for a modification, but we have been unable to obtain XXXX. In the meantime the authorities are currently looking for the over XXXX XXXX dollars that this business XXXX had taken after getting multiple loans without us knowing about it. The mortgage is held by Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  XXXX XXXX : {$440.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$7200.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$890.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/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 2025-05-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXXb permissible purposes of consumer reports. 15 U.S.C. XXXX ( A ) ( XXXX ) A person shall 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. 
ACCOUNT NAME : XXXX ACCOUNT NUMBERXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX ACCOUNT NUMBER:XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER:XXXXXXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. XXXX Section XXXX A. States I have the right to privacy ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C XXXX Section XXXX A Section XXXX : It states, a consumer reporting agency can not furnish account without my written instruction. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall 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. 

15 U.S.C. XXXXc ( a ) ( XXXX ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years 15 U.S.C. XXXX ( A ) ( XXXX ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-05-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXXb permissible purposes of consumer reports. 15 U.S.C. XXXX ( A ) ( XXXX ) A person shall 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. 
ACCOUNT NAME : XXXX ACCOUNT NUMBERXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX ACCOUNT NUMBER:XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER:XXXXXXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. XXXX Section XXXX A. States I have the right to privacy ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C XXXX Section XXXX A Section XXXX : It states, a consumer reporting agency can not furnish account without my written instruction. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall 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. 

15 U.S.C. XXXXc ( a ) ( XXXX ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years 15 U.S.C. XXXX ( A ) ( XXXX ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
I am writing to express my concern regarding the recent restriction and subsequent locking of my checking account without prior notice or explanation. Despite multiple attempts to contact your support team, I have not received a clear reason for this action, nor have I been provided with a timeline for the release of my funds. I understand that accounts may be restricted due to suspected fraud or other security concerns. However, I have not been informed of any such issues related to my account. Additionally, I am aware that accounts can be frozen for reasons such as unpaid debts or suspicious activity. I have come across similar complaints from other SoFi customers who have experienced account restrictions without clear communication or resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX : {$440.00} Open Date XX/XX/XXXX XXXX Balance : {$890.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX Date XXXX XXXX, XXXX XXXX Date XXXX XXXX, XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX : {$440.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$890.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXXXXXX XXXX XXXX Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Car was totaled in XXXX. Insurance covered over XXXX XXXX GAP insurance purchased on loan contract covers the remaining balance on car loan. Capital one continues to try to collect on a debt not owed by me but is owed by XXXX GAP insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MA

Complaint narrative:
Car was totaled in 2019. Insurance covered over XXXX XXXX XXXX insurance purchased on loan contract covers the remaining balance on car loan. XXXX XXXX continues to try to collect on a debt not owed by me but is owed by XXXX XXXX insurance

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