vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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
Consumer complaint received 2025-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Experian, TransUnion, and Equifax are all reporting multiple inaccurate accounts, inquiries, and public records on my credit file. I have never had accounts with these companies, nor have I authorized these inquiries. These errors are damaging my credit, affecting my ability to obtain housing, credit, and employment.

I have disputed these items directly with each bureau, but they have failed to conduct a reasonable investigation or correct the errors. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to investigate disputes and ensure maximum possible accuracy in reporting.

The following inaccurate items appear on my reports. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax only ) Public Records Bankruptcy/Federal Court entries ( not mine ) Numerous unauthorized inquiries ( e.g., XX/XX/year>, XX/XX/year>, XX/XX/year>, etc. ) These entries are false, incomplete, and unverified. The bureaus refusal to remove them despite multiple disputes shows a failure to comply with federal law.

This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Duty to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i : Duty to conduct a proper investigation of disputed information.

15 U.S.C. 1681g : Duty to provide complete disclosure of sources of 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 2025-10-03 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: MI

Complaint narrative:
XX/XX/year> i applied for a business credit card with XXXX and they denied me. Before i applied I had not charge off on my report due to me never having a XXXX credit card with chase. After I applied there was a XXXX charge off on my report. Upon further research it was found that the XXXX cc belong to my father. We have similar names but different SSN an DOB. His name is XXXX XXXX XXXX. My name is XXXX XXXX XXXX XXXX. This entry is effecting my ability to buy a home for my family and my job does not allow for negative entry on credit reports.

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 2025-10-03 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
A creditor sent me XXXX. The payment appeared as received on my XX/XX/XXXXHowever, the balance on myXX/XX/XXXXwas only {$89.00}, which I believe relates to earlier transactions. It appears the {$680.00} payment, or most of it, was never applied to my balance. I tried to contact XX/XX/XXXX, but I could only reach recordings andXX/XX/XXXX, and these provided no explanation. It appears my {$680.00}, or most of it, has been misapplied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Lima One Capital, LLC
State: GA

Complaint narrative:
I applied for a mortgage loan with Lima One Capital in XX/XX/XXXX to purchase a property at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX From the outset, I provided all binding information in the signed application, including my down payment and loan structure. Based on the original quote, I paid the required fees and moved forward in good faith. 

XX/XX/XXXX Received initial loan quote with locked interest rate of 6.483 % and origination fee options ( {$750.00} or {$1700.00} with credit ). Based on these terms, I agreed to proceed. 

XXXX Paid {$1200.00} appraisal fee and {$350.00} inspection fee. 

XX/XX/XXXX Appraisal and inspection were completed. 

XXXX Repeatedly requested confirmation of loan terms as appraisal and underwriting wrapped up. My questions went unanswered for several days. 

XX/XX/XXXX Instead of confirmation, I was presented with materially different loan terms : higher interest rates ( 7.016 % ), higher origination fees ( {$1700.00} ), and altered loan-to-value ( 75 % instead of 70 % ). These changes did not match the signed application or original quote. 

Throughout this period, closing was delayed multiple times, forcing me to extend international travel, cancel arrangements, and lose business opportunities. 

As a result of these changes and delays, I have incurred the following direct financial losses : {$800.00} unreimbursed appraisal fee ( only {$400.00} refunded after the lender determined a mistaken condo certification fee ). 

{$350.00} inspection fee, fully lost. 

{$990.00} earnest money deposit, forfeited because the shifting loan terms and delays prevented timely closing. 

I believe the loan was not handled in good faith. The final terms materially differed from what was originally quoted and agreed upon, despite all binding information being provided upfront. My repeated efforts to avoid reaching this stage were ignored, and I was only presented with changes at the last minute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
I confirm that I have no affiliation with these creditors and never authorized this inquiry. Please eliminate it promptly.

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 2025-10-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC
State: OH

Complaint narrative:
Village Capital Mortage & Investment refinanced our VA home loan 3 times. We started our mortgage in XXXX, they approached us to refinance in or around XXXX offering to let us skip 3 payments and get XXXX XXXXXXXX in cash to boot. Our payment went from {$800.00} to {$950.00}. 
XXXX XXXX and XXXX XXXX XXXX also began to approach us to refinance but when we paid them, they didn't pay our mortgage. In XXXX, Village Capital refinanced us again, this time our payment went to {$1500.00}. Our payment finally went to {$1900.00}. They foreclosed on us, but some attorneys advised us to file for bankruptcy XXXX XXXX  Now, we're awaiting the unknown. We are elderly and Veterans, and we are on the brink of complete destruction. We don't know where to turn to for help. We would like something worked out so we can stay in our house. We could pay {$1300.00} a month. Before this catastrophe, we were never late on a single payment and had great credit. Now we are ruined. It feels predatory and like fraud. Please help. We were both government employees with the military and HUD. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: EQUIFAX, INC.
State: WA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: IL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-03 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : DOE 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 explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I opened a TD Bank checking account for direct deposit and XXXX use. I was told my debit card would arrive in the mail within two weeks, or I could request one in person. I never received the card and never went to a branch to obtain one. 

On XX/XX/year>, my account was fraudulently accessed at XXXXXX/XX/XXXX with two transactions : A fraudulent deposit of {$1300.00}, and A fraudulent withdrawal of {$96.00} I was alerted via email that my account was overdrawn and that a {$50.00} overdraft fee would be charged. 

I immediately notified TD Bank. A representative told me that the check deposit was already flagged, that I would not be held responsible for fees, and that a replacement debit card would be expedited to me. 
Since then, however : TD Bank blocked my online access to the account. 

They have told me the account is pending closure. 

They are now saying I may be held responsible for overdraft fees and any missing money. 

I requested that TD Bank review ATM camera footage, since the fraudulent check was deposited at one of their branches, but I have not been given any confirmation that this was done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding a dispute on my XX/XX/XXXX account. 

On XX/XX/year>, I mailed a written dispute to Experian concerning inaccurate reporting of a late payment on my XXXX XXXX account. 

Experian acknowledged the dispute and later marked the account as verified online. However, Experian never mailed me the required reinvestigation results as mandated under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). 

I then sent a Method of Verification ( MOV ) request on XX/XX/year>, properly invoking my right under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and ( 7 ) to receive a description of the procedure used to verify the account, including the business name, address, and phone number of the furnisher. 

Experian failed to provide a written MOV response. Instead, they only updated their online portal to again state the account was verified, which does not satisfy their legal obligation. 

Experians failure to comply has : Prevented me from obtaining clear evidence of how my dispute was verified. 

Denied me my right to proper reinvestigation results in writing. 

Caused continued reporting of potentially inaccurate information on my credit file, negatively impacting my creditworthiness and financial opportunities.

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 2025-10-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have been locked out of my Robinhood account since XX/XX/year> without explanation. I spent over XXXX hours on the phone with an agent attempting to reset my password, and later spent the afternoon with another agent via email providing my drivers license, passport, and photos of myself as requested. Despite complying fully, I remain locked out. 
At approximately XXXXXXXX XXXX on XXXX, a Robinhood representative ( Case ID : XXXX ) told me that they had found something going on with my account and would follow up within 30 minutes. I never received any follow-up. Since then, my emails have not been returned, and I still can not access my account. 
This lack of access and lack of response is preventing me from managing my investments. I have already filed complaints with the SEC and FINRA. I am requesting urgent intervention to compel Robinhood to restore my access or at minimum provide a clear explanation and timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation