vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Spring Equity LLC
State: FL

Complaint narrative:
On late XX/XX/year>, I initiated the HELOC application process with Spring EQ, believing it to be a suitable option given that the company advertises closing HELOC loans within 30 days. I understood that the loan-to-value ( LTV ) ratio of 9095 % was acceptable, and since there was sufficient equity, I proceeded. The XXXX XXXX  came in at {$760000.00}. 

I explicitly instructed the assigned representative to proceed using the XXXX XXXX  of {$760000.00}, and I made it clear that I was willing to accept a lower loan amount even as low as {$30000.00}. Despite this, the representative insisted on ordering a full appraisal, which caused significant delays and ultimately led to the loan being declined. 

After the appraisal was completed and returned at a lower value, I requested that the loan proceed based on the XXXX XXXX  instead. I was informed, however, that the appraisal had to be adopted as final, even if it reflected a reduced value. I formally disputed the appraisal findings multiple times, providing evidence that accurately reflected comparable properties in the neighborhood. The appraisal company refused to make corrections, offering multiple excuses and mischaracterizing my requests as attempts to influence the valuation, which was not the case. 

Due to Spring EQs failure to follow proper procedures, maintain adequate communication, and act upon reasonable requests, I experienced unnecessary delays, inconvenience, and financial loss.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: IN

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 2025-11-11 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: MS

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-11 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHERRY TECHNOLOGIES INC.
State: OH

Complaint narrative:
Subject : Dispute Regarding Unreturned Refund and Mishandled Loan Funds Cherry Technologies XXXX Cherry Financial Details of Complaint : My name is XXXX XXXX ( XXXX : XX/XX/XXXX ). I am filing a formal dispute regarding mishandled loan funds and an incomplete refund from Cherry Technologies ( Cherry Financial ) related to a medical financing agreement for elective XXXX that was never performed due to medical non-clearance. 

On XX/XX/XXXX, Cherry Financial financed {$14000.00} to the surgeons office for my procedure. I also made out-of-pocket payments directly to Cherry as follows : XX/XX/XXXX : {$480.00} ( down payment ) XX/XX/XXXX : {$480.00} ( monthly payment ) XX/XX/XXXX : {$480.00} ( monthly payment ) XX/XX/XXXX : {$170.00} ( partial payment withdrawn ) That totals {$1600.00} paid out of pocket. 

However, the surgeons office only returned {$12000.00} of the {$14000.00} Cherry disbursed leaving a difference of approximately {$1000.00} unaccounted for. Cherry Financial has confirmed the refund from the provider but stated that I must contact the surgeon directly for the remainder, despite the fact that I have no contractual obligation with the surgeon only with Cherry Financial, who financed the transaction and accepted repayment from me. 

I have also provided Cherry with medical documentation from both my primary care physician and XXXX  confirming that I was not medically cleared for XXXX due to XXXX  and other XXXX XXXX 
The surgeons office acknowledged this and returned a partial refund, yet Cherry Financial has failed to resolve the balance or credit my full payments. 

I filed a formal dispute through Cherrys internal system on XX/XX/XXXX, and was informed by their representative, XXXX, that a final decision would be made no later than XX/XX/XXXX. As of today, no complete resolution has been issued, and I remain without reimbursement for my full payments and for the unreturned balance from the surgeon that Cherry Financial funded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: MD

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-11 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: HW Holding, Inc
State: CT

Complaint narrative:
Someone used my personal information to open a fraudulent account. Upon contacting Hunter and Warfield acct # XXXX I was informed that someone used my personal information to rent an apartment which wasnt paid and hence transferred to this collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
Equifax Reporting Anonymous Collection ( Furnisher & Account # the same XXXX ) I am filing this complaint against Equifax for allowing a collection account to be reported under account number XXXX with no listed company name, furnisher, or point of contact. This is a major compliance failure and a direct violation of FCRA 607 ( b ), which requires credit reporting agencies to maintain procedures to ensure the maximum possible accuracy of information. 
Equifax has allowed an anonymous collection to appear on my credit file without disclosing who the data furnisher is, how to contact them, or any information verifying the validity of the debt. This means I have no legal or practical way to contact or dispute this alleged account directly which completely violates my rights under FCRA 611 ( a ) ( dispute and reinvestigation process ), FDCPA 809 ( b ) ( right to request validation ), and Metro 2 reporting standards, which require a furnisher name, address, and identifiable creditor for any account placed on a consumer report. 
This account is being reported as a collection/charge-off, opened XX/XX/2024, with a balance of {$1200.00}, and the only identifier is XXXX. There is no company name, no contact address, and no reference to an original creditor. It is impossible for me to request validation, settle the debt, or verify its legitimacy because Equifax is allowing anonymous data to appear on my file. 
I have sent multiple written requests to Equifax for validation, source information, and the name of the furnisher. It has been over 60 days, and I have not received a single written response identifying who reported this or providing proof of ownership, billing statements, or a contract. This is a gross violation of FCRA 602, 607 ( b ), and 611 ( a ). 
The fact that Equifax continues to report an unverified account with no identified furnisher demonstrates a complete failure of procedural safeguards and raises major data integrity and security concerns especially considering Equifaxs prior data breaches. Allowing anonymous accounts to appear on consumer credit reports is reckless, negligent, and potentially fraudulent. 
This is not a minor error it is an absolute failure of data control. I have no way to communicate with the source of this debt, no contact address, and no response from Equifax to multiple written disputes. This has negatively impacted my creditworthiness and my ability to obtain financing, and it constitutes willful noncompliance under FCRA 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-11 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-11 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: TX

Complaint narrative:
I am disputing the following items on my TransUnion credit report. Please review and investigate the discrepancies : Inquiries : XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> Late Payment : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Positive Accounts ( To be included for all bureaus ) Please note that the following positive accounts are listed in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I filed an Affidavit of Credit Report Error, Dispute, and Demand for Deletion with all three major credit bureaus TransUnion, Experian, and Equifax to dispute multiple inaccurate and unverifiable items appearing on my credit reports. 
These include : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) Account ending in * XXXX : reported as a joint collection with inconsistent Date of First Delinquency and unverifiable ownership. 

XXXX XXXX XXXX. Account ending in * XXXX : reported as a charge-off of {$4900.00} with inconsistent delinquency sequences and possible re-aging of debt. 

XXXX XXXX XXXX XXXX Account ending in XXXX XXXXXXXX : reported a past-due balance ( {$190.00} {$250.00} ) despite being closed. 
XXXX XXXX XXXXXXXX XXXX XXXX  Account ending in XXXX  XXXX : reflected a minor XXXX late ( XX/XX/XXXX ) despite strong payment history. 

Multiple Hard Inquiries appeared without permissible purpose under FCRA 604 ( a ) ( 3 ).

I requested that the companies reinvestigate within 30 days, delete or correct unverifiable items, and provide written proof of validation or deletion in compliance with the Fair Credit Reporting Act 1681e ( b ), 611, and 623.

To date, I have not received verification or correction, and these inaccurate entries continue to harm my credit standing and restrict access to housing, credit, and business funding.

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 2025-11-11 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: MA

Complaint narrative:
On XX/XX/XXXX, I filed an Affidavit of Credit Report Error, Dispute, and Demand for Deletion with all three major credit bureaus TransUnion, Experian, and Equifax to dispute multiple inaccurate and unverifiable items appearing on my credit reports. 
These include : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) Account ending in * XXXX : reported as a joint collection with inconsistent Date of First Delinquency and unverifiable ownership. 

XXXX XXXX XXXX. Account ending in * XXXX : reported as a charge-off of {$4900.00} with inconsistent delinquency sequences and possible re-aging of debt. 

XXXX XXXX XXXX XXXX Account ending in XXXX XXXXXXXX : reported a past-due balance ( {$190.00} {$250.00} ) despite being closed. 
XXXX XXXX XXXXXXXX XXXX XXXX  Account ending in XXXX  XXXX : reflected a minor XXXX late ( XX/XX/XXXX ) despite strong payment history. 

Multiple Hard Inquiries appeared without permissible purpose under FCRA 604 ( a ) ( 3 ).

I requested that the companies reinvestigate within 30 days, delete or correct unverifiable items, and provide written proof of validation or deletion in compliance with the Fair Credit Reporting Act 1681e ( b ), 611, and 623.

To date, I have not received verification or correction, and these inaccurate entries continue to harm my credit standing and restrict access to housing, credit, and business funding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
This complaint is being filed regarding a XXXXXXXX XXXX XXXX XXXX account that has been inaccurately and inconsistently reported by Experian, Equifax, and TransUnion. Despite multiple disputes filed more than 60 days ago, none of the credit bureaus nor the furnisher have provided a single piece of written verification, validation, or supporting documentation for this alleged account. 
Each bureau is reporting different account numbers, dates of activity, and reporting dates, which is a clear violation of the Fair Credit Reporting Act ( FCRA 607 ( b ) ), requiring the maximum possible accuracy of data furnished. The inconsistent data among the three credit bureaus confirms a failure to maintain procedural accuracy and a Metro 2 compliance violation. 
Specifically : Experian lists the account number as XXXX, with a Date of Last Activity of XX/XX/XXXX. 
Equifax and TransUnion list the account as XXXX, with Equifax showing a Date of Last Activity of XX/XX/XXXX. 
Date Reported is inconsistent : Experian and TransUnion show XX/XX/XXXX, while Equifax shows XX/XX/XXXX. 
All three bureaus mark this account as Account not disputed, even though formal written disputes and requests for validation were sent in compliance with FCRA 611 ( a ) and FDCPA 809 ( b ) more than 60 days ago. This account continues to report as a charge-off/collection with a {$460.00} balance, though there is no
validation of ownership, contract, or payment history. None of the furnishers have produced documentation showing that this account is legitimate, verified, or accurate.

Furthermore, Equifax, Experian, and TransUnion have all failed to follow FCRA 611 ( a ) ( 1 ) ( A ), which mandates a proper reinvestigation within 30 days. Instead, they closed my disputes and falsely marked the account as not disputed, while continuing to publish conflicting and unverifiable data.

The furnisher and bureaus are in violation of : FCRA 602 & 607 ( b ) Failure to ensure accuracy and reliability of credit data.

FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

FDCPA 809 ( b ) Failure to provide written validation upon request.

Metro 2 Data Reporting Standards Furnishing inconsistent, incomplete, and noncompliant data across bureaus.

This accounts data is factually inaccurate and represents a factual dispute under the FCRA. The inconsistencies in account number, last activity date, and reporting date indicate the bureaus and furnisher are not following proper verification protocols.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Security Service Federal Credit Union ( SSFCU ) failed to accurately, timely, and adequately inform me about its policies and procedures concerning my deceased spouse 's financial accounts through its employees, agents, or customer service representatives, specifically XXXX XXXX XXXX, Assistant Vice President, Member Service, and XXXX XXXX XXXX, Assistant Vice President, Account Services Department. Their acts of omission, by not complying with their policies, bylaws, and applicable local, state, and federal judicial orders and/or laws, damaged the estate of my deceased spouse. This had a significant impact on the accounts of my deceased spouse. Furthermore, through their employee, XXXX XXXX XXXXXXXX XXXX  actions intimidated me into silence because of my inquiries concerning my deceased spouse 's SSFCU accounts. I urge you to conduct a thorough investigation and provide a swift resolution to this matter by making my deceased spouse 's SSFCU accounts whole.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My checking account was closed with capital one years ago. I wanted to open XXXX up because I thought maybe I owed them money but it wasnt that. XXXX cant open one up with them apparently because of my XXXX activitywhich is ridiculous because I only use XXXX to transfer money from myself to myself. Now that I know thats an issue for whatever reason then I just wont use XXXX anymore. But its not fair that my account was closed and banking relationship ended when I couldve proven that I was the owner of the accounts.

Company response to consumer: Closed with explanation