vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must contain only accurate, complete, and verifiable information. I am requesting that these entries be verified, and if they can not be confirmed, they should be corrected or removed.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I had a Capital One credit card with a {$500.00} credit limit, opened on XX/XX/XXXX. This account was closed on XX/XX/XXXX. I paid the account in full, and my reported balance is now {$0.00}. 

Despite paying the account in full, Capital One is still reporting late payments on my credit report for multiple months in XXXXXXXX XXXX XXXX These late payments are inaccurate and are negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: UT

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 : INQUIRIES : 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 resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-23 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: FL

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

I looked at my Experian, XXXX XXXX XXXX credit report on 09/18/2025 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 explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have maintained my Bank of America XXXX XXXXXXXX XXXX XXXX account ending in XXXX in good standing for XXXX years, never late or delinquent. Despite this, the bank closed my account in XX/XX/year> citing many credit lines and increased risk. I contacted Bank of America by phone multiple times and followed up with a written letter, but was told reinstatement or clarification would not be provided. The account was current and actively used for travel purchases and rewards at the time of closure, as reflected in my XX/XX/year> statement. Since my direct attempts were unsuccessful, I am escalating this issue to the CFPB for review and resolution.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-23 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: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
Re : Request for Account Information Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : XXXX. Date the account was opened XXXX. Date the account was closed ( if applicable ) XXXX. Date the account was sold or transferred ( if applicable ) XXXX. Date the account was charged-off ( if applicable ) XXXX. Date of first delinquency reported XXXX. Date of last payment received XXXX. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX regarding their inaccurate and unlawful reporting practices. 

XXXX XXXX is currently reporting an account on my credit file as closed but is still showing an outstanding balance owed. This is inaccurate and misleading reporting because a closed account should not continue to reflect an active balance in this manner. 

Furthermore, I previously disputed this account directly with the credit reporting agencies and the furnisher ( XXXX XXXX ). Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely and thorough investigation of disputed information. However, XXXX XXXX and/or the credit bureaus have failed to correct or verify the account within the statutory time frame. 

This situation violates my rights under the FCRA : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not provide information that they know or reasonably should know is inaccurate. Reporting a closed account with an ongoing balance is inaccurate. 

15 U.S.C. 1681e ( b ) Credit reporting agencies must ensure maximum possible accuracy. Continuing to report a closed account with a balance is not accurate. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Upon receiving a dispute, credit reporting agencies must conduct a reasonable reinvestigation within XXXX  days. My dispute was not resolved within this timeframe, which constitutes a violation. 

I am requesting that the CFPB investigate this matter and take enforcement action to ensure compliance. Specifically, I am requesting : Removal of the inaccurate reporting of this account ( closed account should not reflect an active balance ). 

Confirmation that XXXX XXXX and the credit reporting agencies comply with the XXXX reinvestigation requirement under the FCRA. 

Assurance that any violations be addressed so that my credit report reflects only accurate and verifiable information. 

This inaccurate reporting is damaging my creditworthiness and is in violation of my rights under federal law. 

PLEASE DELETE THE INACCURATE XXXX XXXX XXXX XXXX that is reporting a balance of {$6100.00} that was opened on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NJ

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX  XXXX | XXXX  XXXX | XXXX  XXXX XXXX | XXXX/XXXX  XXXX | XXXX XXXX XXXX  XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX  XX/XX/year> | XXXX XXXX XX/XX/year> | XXXX  XXXX  XX/XX/year> |XXXX/XXXX  XXXX  XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NJ

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX  XXXX | XXXX  XXXX | XXXX  XXXX XXXX | XXXX/XXXX  XXXX | XXXX XXXX XXXX  XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX  XX/XX/year> | XXXX XXXX XX/XX/year> | XXXX  XXXX  XX/XX/year> |XXXX/XXXX  XXXX  XX/XX/year>.

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 2025-09-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: TFS FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have a Home Equity Line of Credit ( HELOC ) with Third Federal Savings & Loan, account XXXX XXXX. I entered into a payment plan and forbearance arrangement in good faith, complied fully, and later resumed regular payments. I have never requested forgiveness or waivers and have paid every XXXX owed. Despite this, Third Federal closed my HELOC account. 

When I asked about reinstatement upon payoff, I was told over the phone that reinstatement will not be granted. When I requested the specific contractual basis for this refusal, no explanation was provided. My XX/XX/year> statement shows the account current, with a balance of {$110000.00}, minimum payment due {$770.00} by XX/XX/year>, yet marked as closed/restricted. 

The account is in good standing and has always been paid as agreed. I have lost access to the HELOC credit line with no contractual justification provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC
State: WA

Complaint narrative:
Try to communicate with the representative on what the amount I own in the debt that is being reported. After discussing the following information what all I am supposed to be provided for, I was told they can not provide that to me because the balance increases and do not email the following 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 explanation
Consumer complaint received 2025-09-23 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: IL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-23 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: CA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, unverifiable, and unfairly reported accounts currently appearing on my credit reports. These entries are causing substantial harm to my creditworthiness, financial stability, and peace of mind. Despite my prior efforts to dispute these items with the credit reporting agencies and furnishers, they continue to appear without proper validation or correction. 

Below are the disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1500.00} Date Opened : XX/XX/XXXX Reported as Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1200.00} Date Opened : XX/XX/XXXXXXXX  Reported as Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) High Balance : {$2500.00} Date Opened : XX/XX/XXXX Reported as Late Payment First XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$950.00} Date Opened : XX/XX/XXXX Reported as Charge Off XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$9500.00} Date Opened : XX/XX/XXXX Reported as Charge Off Department of Education ( XXXXXXXX XXXX XXXX XXXX High Balance : {$2600.00} Date Reported : XX/XX/XXXX Reported as Collection Violations and Concerns : These accounts have not been properly validated in compliance with the Fair Credit Reporting Act ( FCRA ), Sections 609 and 611, and the Fair Debt Collection Practices Act ( FDCPA ).

Credit reporting agencies and furnishers failed to conduct a proper reinvestigation after disputes, as required under FCRA 611. Some accounts are obsolete or inaccurately reported with inconsistent balances, statuses, or dates that conflict across reports, violating FCRA 607 ( b ) ( requireme
nt for maximum possible accuracy ).

Continued reporting of unverified and inaccurate information is causing financial injury by lowering my credit score and restricting access to fair credit opportunities.

Requested Relief : I respectfully request the CFPBs immediate intervention to : Require the furnishers and credit reporting agencies
to provide complete documentation proving the validity, ownership, and accuracy of each account.

Remove or correct any account that can not be fully substantiated with proper documentation.

Ensure all credit reporting agencies update my reports to reflect only fair, accurate, and verifiable information in compliance with federal law.

Investigate the compliance failures of the furnishers and credit reporting agencies regarding their legal obligations under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: South River Mortgage, LLC
State: MD

Complaint narrative:
ISSUE : SPAM and SCAM mailing from South River Mortgage. We ( wife and I ) do not have a reverse mortgage at all. We have no product with South River Mortgage and yet, they have sent at least three mailings RE : Assessment of Funds regarding a reverse mortgage that does not exist. We did have a regular mortgage with the vendor cited in the mailing but that was over a decade ago and it now closed. The mailing from South River Mortgage is deceptive in tone and requests PII ( SS #, XXXX, Income ) with a signature. The print is lighter gray and hard to read if you require reading glasses ( to which I can attest ). Vendor information provides the following address and phone XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. Phone for XXXX is XXXX. I did not call. 

I have been shredding these but now see there are other complaints for scam practices. I wish to report the same. I do not have the dates of the other mailings so the date reported is not really my first mailing but at least my third. 

Helpful other sites to report this scam to include : FTC.gov ( https : //reportfraud.ftc.gov/ ) XXXX  Attorney General XXXX Portal ( XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( XXXX XXXX XXXX XXXX XXXXXXXX mail fraud XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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