vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required 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 2025-06-30 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: Kriya Capital, LLC
State: GA

Complaint narrative:
I'm a victim of identity theft this account does not belong to me. I have disputed it several times it has come back verified. I have asked for the method of validation and I have not received anything. I've disputed this with both the company and XXXX without resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NC

Complaint narrative:
XXXX - I submitted the complaint XX/XX/year> - I then submitted all the requested information including copies of the card and my drivers license. I have not received a response from the company nor a replacement card.

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 2025-06-30 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: MD

Complaint narrative:
I

am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-06-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SouthLaw, P.C.
State: MO

Complaint narrative:
SouthLaw is attempting to foreclose on our home today. We have repeatedly asked for documentation showing that they have standing to foreclose. We have never been served and the Lender is not foreclosing. It's the servicer who have no standing. We found out that our note was monetized by XXXXXXXX XXXX XXXX  and securitized into a Mortgage backed security with XXXX XXXX as the Investor. We now know that a note can not be separated from the mortgage and that the note/mortgage has to be paid in full before it can be pooled into a XXXX Please help us stop this unlawful foreclosure. However we have decided to file a lawsuit in XXXX XXXX either today or tomorrow depending on how fast we can get the paperwork done. We do have a Forensic Audit that is currently underway. We have requested multiple documentation to prove that they own the note and chain of title and have not received anything but approximately 5 or 6 copies of the same note with no alonge 's or signatures. We have exhausted the Administrative Process. SouthLaw P.C. and XXXX XXXX XXXX XXXX have slandered the title. You can't file assignments after a note has been securitized into a XXXX XXXX  XXXX XXXX, and they did. SouthLaw P.C. has also been told repeatedly to stop contacting us as a debt collector. They continue to do so and violate XXXX laws. They have violated many consumer laws. The amount they allege is owed is different from all three companies. XXXX aka XXXX and XXXX XXXX. ( debt collector ) Last amount we got from XXXX was {$410000.00}. XXXX XXXX XXXX assigned XXXX XXXX. as successor Trustee. They can't do that it is illegal. Also XXXX assigned all rights titles and interest to XXXX and XXXX can't do that either. That is illegal. MERS is only a nominee and in there own rules, bylaws they have no interest in any mortgages. They are all committing Constructive Fraud. I have a binder full of communication between myself and these companies. If you need anything more please reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-30 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-30 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: FL

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian is reporting XXXX inquiries that over two years old. Inquiries must be deleted after two years. I have attached my drivers license and utility bill. I have attached three screen shot of my credit report as well. 

XXXX. ) XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX. ) XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX 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 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I told them that the accounts is not mine it was open fraudulent I did not give them my signature or personal information. I dont have no knowledge of the accounts that was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required 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
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
I am submitting this complaint regarding XXXXXXXX XXXX delay in reporting an updated credit card balance to the credit bureaus, despite a large payment being posted to my account. On XX/XX/year>, I made a payment of {$1500.00} to my XXXXXXXX XXXX XXXX account. This payment has posted to my account and significantly lowered my balance. However, the updated balance is not yet reflected on my credit report, and XXXX has not submitted an off-cycle update despite my request. This failure to update my account inaccurately reflects my credit utilization ratio, which can negatively impact my credit score. I am requesting that the CFPB assist in having XXXX XXXX  submit an off-cycle update to all three credit bureausEquifax, Experian, and TransUnionto reflect my accurate current balance and ensure fair and timely credit reporting. Attached are : A copy of my payment confirmation A screenshot showing the updated balance on my account Please assist in resolving this issue 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 non-monetary relief
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate and unverified debt that is currently being reported by SouthState Bank to XXXX. I dispute the validity of the alleged account and have never entered into any agreement or banking relationship with SouthState Bank.

The item being reported includes : Allegation of non-sufficient funds ( NSF ) activity An unpaid balance of {$370.00} Date of closure : XX/XX/year> Status : UNPAID This information is false, unverified, and damaging to my financial standing. 

Violations : 1.FCRA Violation 1681s-2 ( a ) SouthState Bank is reporting inaccurate and unverifiable information to a consumer reporting agency without substantiation.

2.FCRA Violation 1681i XXXX has failed to conduct a proper reinvestigation of the disputed information and continues to report it, despite lacking any verifiable documentation. 
3.FDCPA Violation 1692g I have never received any debt validation notice from SouthState Bank within the five-day window required after any alleged initial contact, which violates my right to be properly notified of the alleged debt and my right to dispute it.

4.FCRA 1681e ( b ) XXXX  has failed to maintain reasonable procedures to ensure maximum possible accuracy of the information it reports. 

Damages and Impact : The false reporting has resulted in : Denial of checking and banking services Emotional distress Lost time and money disputing this entry Reputational harm Denial of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-06-30 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: IL

Complaint narrative:
I am submitting this complaint regarding XXXXXXXX XXXX delay in reporting an updated credit card balance to the credit bureaus, despite a large payment being posted to my account. On XX/XX/year>, I made a payment of {$1500.00} to my XXXXXXXX XXXX XXXX account. This payment has posted to my account and significantly lowered my balance. However, the updated balance is not yet reflected on my credit report, and XXXX has not submitted an off-cycle update despite my request. This failure to update my account inaccurately reflects my credit utilization ratio, which can negatively impact my credit score. I am requesting that the CFPB assist in having XXXX XXXX  submit an off-cycle update to all three credit bureausEquifax, Experian, and TransUnionto reflect my accurate current balance and ensure fair and timely credit reporting. Attached are : A copy of my payment confirmation A screenshot showing the updated balance on my account Please assist in resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
I am submitting this complaint regarding XXXXXXXX XXXX delay in reporting an updated credit card balance to the credit bureaus, despite a large payment being posted to my account. On XX/XX/year>, I made a payment of {$1500.00} to my XXXXXXXX XXXX XXXX account. This payment has posted to my account and significantly lowered my balance. However, the updated balance is not yet reflected on my credit report, and XXXX has not submitted an off-cycle update despite my request. This failure to update my account inaccurately reflects my credit utilization ratio, which can negatively impact my credit score. I am requesting that the CFPB assist in having XXXX XXXX  submit an off-cycle update to all three credit bureausEquifax, Experian, and TransUnionto reflect my accurate current balance and ensure fair and timely credit reporting. Attached are : A copy of my payment confirmation A screenshot showing the updated balance on my account Please assist in resolving this issue 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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America holds on to Social Security Deposits : I am on direct deposit XXXX - retirement payments. XXXX comes in on the XXXX, have to wait until XXXX on the XXXX in the morning to get the SSI portion of the money. This money should be in the account and available as of XXXX which is when the XXXX starts. Not have to wait for the following day to get my money. 

Again, the same my retirement SSA check deposit is done XXXX on the XXXX, this money should be made available in account as XXXX - I had a family emergency last month at XXXX and I no money in my account. 

The banks receive the SSI / SSA monies days before hand, they should make it available to customers asap - XXXX on respective days. Not continue to hold to funds to generate interest for their benefit.

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 2025-06-30 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: IL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX  delay in reporting an updated credit card balance to the credit bureaus, despite a large payment being posted to my account. On XX/XX/year>, I made a payment of {$1500.00} to my XXXX XXXX XXXX  account, which brought it to a {$0.00} balance. On a XX/XX/year>, I made a payment of {$1700.00} to my XXXX XXXX XXXX account, which brought it to a balance of {$87.00}. On XX/XX/year>, I made a payment of {$1200.00} to my XXXX XXXX XXXXXXXX XXXX XXXX which brought it to a balance of {$0.00}. On XX/XX/year>, I made a new payment of {$400.00} to my XXXX XXXX XXXX XXXX  which brought the balance to {$0.00}. This payment has posted to my account and significantly lowered my balance. However, the updated balance is not yet reflected on my credit report, and XXXX has not submitted an off-cycle update despite my request. This failure to update my account inaccurately reflects my credit utilization ratio, which can negatively impact my credit score. I am requesting that the CFPB assist in having XXXX XXXX  submit an off-cycle update to all three credit bureausEquifax, Experian, and TransUnionto reflect my accurate current balance and ensure fair and timely credit reporting. Attached are : A copy of my payment confirmation A screenshot showing the updated balance on my account Please assist in resolving this issue 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 non-monetary relief