vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Point Digital Finance, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding XXXXXXXX XXXX Despite prior submissions, the company continues to operate practices that appear financially exploitative. 

I entered a XXXX XXXX XXXX ( XXXX ) agreement with XXXX on XX/XX/XXXX, for {$47000.00}. The Appreciation Starting Value was {$200000.00} there protection cap with appraisal of XXXX cap gives them more than half of the loan amount. According to their most recent statement, my estimated payoff is {$89000.00}. My home appreciated {$78000.00}, yet XXXX is claiming 69 % of the gain, resulting in repayment nearly double my initial investment, even after their XXXX XXXX XXXX of 19 % is applied. 

Agreement Terms Include : XXXX Percentage : 69 % of home appreciation Homeowner Protection Cap : 19 % Risk Adjustment : 18.5 % Contract Term : 30 years ( expires XX/XX/XXXX ) This results in an effective repayment that is disproportionate to the actual financial benefit, which is characteristic of predatory lending practices. 
Comparison Table : Metric Amount ( $ ) Notes Original Investment XXXX My initial contribution XXXX  Payoff Estimate XXXX Almost XXXX investment Home Appreciation XXXX Total increase in value Equity Remaining for Me XXXX After XXXX  share $ XXXX Points $ XXXX Payoff {$89000.00} $ XXXX $ XXXX Appreciation Portion $ XXXX {$53000.00} $ XXXX Original Investment {$0.00} As illustrated, XXXX  profits far more than what I contributed, while my gain is limited. This clearly indicates financially exploitative practices. 
Attachments : Quarterly statement XXXX XXXX Previous complaint confirmation I request the XXXX investigate XXXX, XXXX XXXX practicesespecially the structure and terms of their XXXX XXXX determine whether these practices constitute unethical or misleading business conduct. 
Please confirm receipt of this complaint and advise on next steps. 

Sincerely, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, incomplete, and misleading items being reported on my credit file. These errors are severely damaging my creditworthiness and are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Specifically, I am disputing the following : Wrong/Incorrect Addresses Listed on My Credit Report : XXXX XXXX, XXXX, SC XXXX This address does not belong to me. 

XXXX XXXX, XXXX, SC XXXX This address does not belong to me. 

The presence of these addresses is inaccurate, misleading, and creates a false identity association. 

Erroneous/Improper Account Reporting : XXXX XXXX  ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported as Charge Off, Balance : {$4100.00}, Date Opened : XX/XX/XXXX. This reporting is inaccurate and requires full investigation and validation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as Charge Off, Balance : {$13000.00}, Date Opened : XX/XX/XXXX. This reporting is inaccurate and requires validation. 

XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX Reported with Late Payment, Balance : {$0.00}, Date Opened : XX/XX/XXXX. It is logically inconsistent to report late payments on a {$0.00} balance account. This must be corrected immediately. 

XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX Reported as Charge Off, Balance : {$0.00}, Date Opened : XX/XX/XXXX. It is false and misleading to list a {$0.00} balance account as charged off. This appears twice on my file and both entries are erroneous. 

These inaccurate items violate my rights under the FCRA, specifically : Section 1681i Failure to conduct a reasonable reinvestigation.

Section 1681e ( b ) Failure to maintain maximum possible accuracy.

I am requesting the immediate removal and correction of all erroneous addresses and account information listed above. Additionally, I request that all furnishers of this data provide documented validation of these accounts ; otherwise, they must be deleted from my file. 

These errors are harming my financial standing, my ability to obtain fair credit, and are causing me undue hardship. I expect prompt investigation, correction, and written confirmation of the actions taken within the legally required timeframe.

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 2025-09-29 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated XXXX  XXXX  any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX  XXXX unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such XXXX XXXX  ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX XXXX ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 XXXX years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to both my credit standing and credit score. I previously contacted your agency regarding these unauthorized inquiries and was assured by a representative that they would be removed. That assurance has not been honored, as the inquiries remain on my report. This failure to act is unacceptable. 

The continued reporting of these unauthorized and potentially fraudulent inquiries is highly alarming and raises serious concerns of identity theft. Allowing these inaccuracies to remain is inflicting ongoing emotional distress and financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: PA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to both my credit standing and XXXX XXXX. I previously contacted your agency regarding these unauthorized inquiries and was assured by a representative that they would be removed. That assurance has not been honored, as the inquiries remain on my report. This failure to act is unacceptable. 

The continued reporting of these unauthorized and potentially fraudulent inquiries is highly alarming and raises serious concerns of identity theft. Allowing these inaccuracies to remain is inflicting ongoing emotional distress and financial damage.

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 2025-09-29 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: IL

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: AL

Complaint narrative:
On XX/XX/year>, I received a response from Equifax regarding a dispute I filed under confirmation number XXXX. The disputed item is the * XXXX XXXX account ending in XXXX. 

Equifaxs response stated that the account had been verified. However, according to my own findings, the information being reported on this account remains inaccurate and incomplete. Despite the dispute, the account is still being reported with errors that are negatively impacting my credit score.

I would like to understand how this account was verified, as it appears that Equifax failed to conduct the proper due diligence required by law under the Fair Credit Reporting Act ( FCRA ). This account should have been deleted or at least correctly updated as a result of my dispute, yet Equifax continues to report incorrect information.

If this matter is not promptly resolved by either deleting the account or updating it to reflect accurate and complete information, I will have no choice but to pursue further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX 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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX, 2025 a payment was made on my credit card account for {$2000.00} which was the balance at the time. It shows that it was made on line from an account at the XXXX  XXXX XXXX. It included the last for digits of the account and a confirmation number. I spoke with Capital One and explained that I do NOT have an account at XXXX and that I did not know who made the payment. They added the payment back in within 6 days and told me that the account would remain restricted until they found out who made the payment. I've called several times and spoke with managers, I physically went to XXXX to find out what I could do ( they do not give out information about customers ). So I called Capital One again and told them my results. They are adamant that my accound will remain restricted until I provide them with who made the payment. XXXX. I have no account at XXXX. XXXX, Why can't they just make me a new card so that I can keep the years of history with them. XXXX. Why aren't they investigating with BOA? XXXX. This could remain like this for years until the answer is found which I don't have. XXXX. In the meantime, my card will remain restricted, it will show up in my credit report, I'd have to re-apply and probably at a higher APR % and lower credit amount. Please help resolve this issue. I've been trying for several weeks now to work with them but they talk over me and don't listen. Thank you..... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NV

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXX XXXX  in XXXX, PA, per USPS Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX XXXX XXXX - {$790.00} ( ACCOUNT # XXXX ) XXXX XXXX  XXXX - {$8100.00} ( ACCOUNT # XXXX ) XXXX - {$1000.00} ( ACCOUNT # XXXX ) XXXX XXXX XXXX - {$7500.00} ( ACCOUNT # XXXX ) XXXX - {$10000.00} ( ACCOUNT # XXXX ) XXXX - {$7200.00} ( ACCOUNT # XXXX ) XXXXXXXX XXXX XXXXXXXX - {$8100.00} ( ACCOUNT # XXXX ) XXXX XXXX  - {$8500.00} ( ACCOUNT # XXXX ) XXXX XXXX XXXX - {$5300.00} ( ACCOUNT # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-09-29 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: NY

Complaint narrative:
Dear Experian 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 ACCOUNTS : 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 XXXXXXXX FRAUDULENT 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 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 explanation
Consumer complaint received 2025-09-29 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-29 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: TX

Complaint narrative:
The information shows 100 % on-time payment, but it is still showing negative on my report and the bureaus. For account 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 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: NY

Complaint narrative:
On XX/XX/XXXX, I contacted Huntington Banks customer service hotline with a request to close my checking account, which I had originally opened online and have not used for an extended period of time. Since relocating to another state, I have been unable to utilize the banks services, even though I initially chose Huntington Bank because I trusted it as a solid and reputable financial institution.

During my call, I was informed that my account is currently on hold, and that in order to remove the hold and proceed with closure, I must appear in person at a branch. I explained to the representative that this is impossible, as I now reside in a state where Huntington Bank does not operate. Unfortunately, I was told there were no alternative options.

I believe this requirement is unreasonable. The account was opened online, and therefore it should also be able to be closed online or through another secure remote process. I have already provided the bank with all required identification documents and am fully willing to provide any additional verification if necessary. Nevertheless, the bank continues to deny my request, citing internal procedures that I believe unfairly restrict my rights as a consumer.

As a customer, I have the right to close my account at my own initiative. I respectfully request Huntington Bank to honor my request, close the account, and provide written confirmation that it has been closed. I also request that the remaining balance be returned to me by check, mailed to the following address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Contact information associated with my account : Email : XXXX Phone : ( XXXX ) XXXX Last 4 digits of XXXX : XXXX Account ending in : XXXX I request CFPBs assistance to ensure that Huntington Bank complies with this request, closes my account, and promptly returns the remaining funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I am filing this complaint against Debt Recovery Solutions , LLC for willful violations of the Fair Credit Reporting Act ( FCRA ) 605B and 1681n.

I previously submitted an FTC Identity Theft Report, which under the FCRA qualifies as a valid Identity Theft Report requiring the furnisher to block and delete fraudulent information from my credit file. Instead, Debt Recovery Solutions refused to honor the FTC filing and improperly demanded a police report. This demand is unlawful, as the FCRA does not require a police report.

Their continued reporting and collection activity despite my valid FTC filing constitutes willful noncompliance and reckless disregard of the law. This has caused me damages including denial of credit opportunities, higher interest costs, emotional distress, and time spent correcting these errors.

Company response to consumer: Closed with explanation