vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: HomePlus Corporation
State: CA

Complaint narrative:
I received a phishing email from XXXX XXXX today XX/XX/XXXX. 

XXXXXXXX XXXX | XXXX XXXX XXXX  XXXX XXXX XXXX Loan Originator XXXX XXXX XXXX. # XXXX HomePlus Mortgage | XXXX XXXX XXXX XXXX XXXX XXXXXXXX License # XXXX I am closing on a refinance and she sent me an email stating it was a document I needed to sign ( I am not refinancing with XXXX XXXX XXXX XXXX It looked like a legit email. 

I previously considered XXXX XXXX as a mortgage broker on my original mortgage when I purchased my home ( in XXXX ), so it would have been easy to consider this a legitimate email. The email sent a link to cutt.ly which redirected to XXXX XXXX XXXX XXXX XXXX which appeared to be a XXXX login and was clearly a phishing attempt. XXXX XXXX is either a licensed mortgage broker, or is pretending to be. We previously spoke on the phone when I was shopping for mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX ss XXXX request for acount blockage and deletion in XXXX  days due to data breach. Dear XXXX, equifax and transunion team, im writing you formally requesting blockage and deletion of all accounts associated with my personal information due to recent data breach. credit card XXXX XXXX  ) balance {$3600.00} loan ( XXXXXXXX XXXX ) balance {$32000.00}. This request is made in accordance with several provisions of fair credit reporting act 15usc1681c-2 ( a ) 15usc1681g ( a ) ,15usc1681m,15usc1681n. please confirm these reciepts of this letter and provide written confirmation of the actions taken regarding my accounts i would appreciate a update on any measure you are implementing to protect my personal information. Thanks i look forward to your response XXXX XXXX days.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX.... Late Date Reported XX/XX/XXXX to XX/XX/XXXX XXXX  XXXX XXXX. Late Date Reported XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX & XXXX XXXX. Late Date Reported XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX. Late Date Reported XX/XX/XXXX to XXXX XXXXThese late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-18 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 am disputing the fraudulent accounts that have been reported under my name. I did not authorize these accounts, nor have I ever had any connection to them. Their presence is entirely inaccurate and misrepresents my financial history, causing unjustified harm to my credit standing and credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Subject : Incomplete and Unverified Synchrony Bank Reporting Body : I dispute the Synchrony Bank account listed on all XXXX  credit bureaus. Synchrony is reporting inaccurate balances and payment histories, violating FCRA 623 ( a ) ( 1 ) ( A ). I demand deletion unless Synchrony produces signed contracts and proof of accuracy. Per 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), unverifiable tradelines must be deleted.

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 2025-09-18 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: TX

Complaint narrative:
Company : Equifax, Experian, and TransUnion Product : Credit Reporting Issue : Incorrect information on my credit report ( auto loan from XXXX XXXX XXXX XXXX ) Account # : XXXX Complaint Details : I am disputing the accuracy of how my auto loan from XXXX XXXX XXXX XXXX is being reported across all three credit bureaus. The information is inconsistent and conflicts in several areas : Date of First Delinquency ( DOFD ) : Equifax & TransUnion report delinquency starting XX/XX/XXXX. 
Experian reports delinquency starting XX/XX/XXXX. 
Account XXXX / XXXX XXXX : Experian : Account charged off, {$7500.00} written off, {$8000.00} past due. 
Equifax : XXXX {$7500.00} with {$8000.00} past due, but no voluntary surrender shown. 
TransUnion : Charge-off with {$8000.00} balance ; voluntary surrender reported before charge-off, no written-off amount listed. 
Closure Dates/ Removal Dates : TransUnion : Closed XX/XX/XXXX, removal XX/XX/XXXX. 
Experian : Charged off, no closure date, removal XXXX XXXX ( previously XX/XX/XXXX ). 
Equifax : No closure or removal date listed. 
Experian Dispute Handling : I recently filed a dispute with Experian and provided supporting documents showing these errors. 
Despite this, Experians reporting continues to be erroneous and inconsistent compared to Equifax and TransUnion. 

Why this matters : These discrepancies create confusion about the true date of first delinquency, balance status, and reporting duration. This violates the FCRAs requirement that credit reporting agencies assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and Experians reinvestigation obligations under 611.

Requested Resolution : Correct the reporting so that all three bureaus display consistent and accurate information. 
Confirm in writing the true DOFD, correct charge-off balance, and the accurate removal date.

Remove any unverifiable or inaccurate information under FCRA 611.

Require Experian to properly address the documentation I already submitted and stop reporting erroneous data.

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 2025-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-18 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: LA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: Experian Information Solutions Inc.
State: GA

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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Im supposed to have {$20000.00} limit to send the money with XXXX, however when I try to send the money on XX/XX/year> I had {$0.00} limit. 
So I called the Citibank customer service and the rep told me that they have nothing to do with XXXX and gave me the phone number to call XXXX. This is not true. The rap was either lazy or had no knowledge. I even tried to ask a simple question but he kept repeating call XXXX call XXXX So the next day I called back.and the rep was so helpful and spent XXXX minutes to correct the situation. 
She did inform me that I do have {$20000.00} limit but somehow they could only see {$4500.00} limit. I just told the rap. Its better than nothing so I will just wait. 
As of today, XXXX a tent, I still see only limit it up to {$4500.00}.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2025, Capital One unilaterally closed my XXXX XXXX credit card account without providing any email notification or prior warning. I discovered this closure only when attempting to use my card, which caused unnecessary disruption to my daily life and financial planning. 
This unexpected account closure has created significant inconvenience, as I was not given adequate notice to arrange alternative payment methods. Furthermore, I am now uncertain about my obligations regarding any outstanding balance on the account. Adding to my concerns, this credit card carries an annual fee, yet the account was closed without proper notification or explanation. 
I believe Capital One 's failure to provide proper notification before closing an active account with an annual fee constitutes poor customer service and potentially deceptive practices. I request that regulatory authorities investigate this matter and hold Capital One accountable for their unprofessional conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Experian data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reported Balance : {$0.00} Additionally, I dispute the following inquiry : Inquiry Account Name : XXXXXXXX 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 2025-09-18 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: WI

Complaint narrative:
I am not responsible for these accounts and they must be cleared from my record in 15 days per USC 1681g.

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 2025-09-18 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 am disputing the inaccurately reported late payment on my credit report. My records confirm a consistent pattern of on-time payments, and this negative entry is clearly an error. Its presence unfairly harms my financial standing and misrepresents my payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the XXXX XXXX XXXX XXXX online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question is : XXXX XXXX XXXX Late Date Reported XX/XX/XXXX and XX/XX/XXXX These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA XXXX, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. 
Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my XXXX XXXX and ability to obtain favorable credit terms.

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 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
Subject : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX I am filing a formal consumer complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) regarding deceptive and unfair lending and servicing practices relating to my auto retail installment contract. 

Details of the Complaint : Failure to Recognize Promissory Note as Payment On or about XX/XX/XXXX, I submitted a duly executed legal tender as lawful tender and payment on my retail installment sales contract for a XXXX XXXX XXXX Hybrid XXXX XXXX XXXX XXXXXXXX ). 

This legal tender was a valid payment instrument, issued in good faith, consistent with the underlying credit agreement and the rights afforded to me under commercial law. 

XXXX accepted and did not provide dishonor notice, claiming it was not a valid form of payment and refusing to apply it toward my account, thereby causing harm and continuing to misrepresent my obligations. 

Misrepresentation of Contract Terms XXXX  response letter dated XX/XX/XXXX, incorrectly asserts that my payment attempt has no legal effect. 

The retail installment contract expressly includes a Notice of Holder Rule provision, making XXXX subject to any claims or defenses I XXXX assert against the original seller ( XXXXXXXX XXXX XXXXXXXX ). XXXX is ignoring this protection. 

Possible Securitization Without XXXX I have reason to believe that my retail installment contract, including the promissory note, was sold, transferred, or securitized without my knowledge or consent. 

Such undisclosed transfers raise serious concerns under federal truth-in-lending laws, securities laws, and consumer protection standards. 

Unfair and Deceptive Practices By refusing to properly process the promissory note, concealing the true handling of my contract, and issuing threatening communications, XXXX is engaging in conduct that XXXX violate the XXXX XXXX XXXX Reform and Consumer Protection Act, particularly the prohibitions against unfair, deceptive, or abusive acts or practices ( XXXX  ). 

Requested Relief : Investigate AHFCs treatment of promissory notes and other consumer payment instruments. 

Require XXXX  to provide a full accounting of the debt, payments, and whether my contract or promissory note has been sold or securitized. 

XXXX XXXX to accept and apply my promissory note properly under the contract and law. 

Impose penalties or corrective actions if violations are found. 

I respectfully request that the CFPB review this matter and take enforcement action as appropriate to protect consumers from similar misconduct. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation