vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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:
complaint to the Consumer Financial Protection Bureau ( CFPB ) Subject : Inaccurate Credit Reporting XXXX XXXX XXXX via Experian Issue Type : Incorrect information on credit report Sub-Issue : Account status or payment history incorrect Details of the Complaint : I am filing this complaint against Experian and the data furnisher XXXX XXXX XXXX for reporting inaccurate, incomplete, and non-compliant information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Compliance Guidelines, and 15 USC 1666b. 

Account in question : Name : XXXX XXXX XXXX Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Current Status ( as of XX/XX/XXXX 2025 ) : Open. {$290.00} past due Balance : {$3600.00} Original Balance : {$3500.00} The following are the issues with this tradeline : XXXX XXXX Compliance Violation : The account is reported as Open while simultaneously being Past Due, which is a contradictory and misleading status under XXXX XXXX. 

No recent payments are listed, yet the balance has increased from the original {$3500.00} to {$3600.00}, violating XXXX XXXX standards that prohibit balance inflation without activity. 

FCRA Violation 15 U.S.C. 1681s-2 ( a ) : The account contains multiple inaccuracies that can not be verified as accurate, complete, and up-to-date. This makes it a violation of the FCRAs requirement for maximum possible accuracy.

Billing Practices Violation 15 U.S.C. 1666b : XXXX XXXX reported delinquencies ( 90 to 180 days late ) without proof of having first sent a proper billing statement with at least 21 days to pay. This violates Truth in Lending rules regarding timing of payments.

No Proof of Verification : Experian has failed to provide any documentation showing a proper reinvestigation under 15 U.S.C. 1681i, and the account remains unchanged despite my formal dispute and request for deletion. 

Court Precedent Ignored : In XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that CRAs must conduct more than a superficial inquiry. Experians lack of resolution and failure to delete a clearly unverifiable tradeline contradicts this legal precedent. 

Resolution Requested : I am requesting the immediate deletion of this XXXX XXXX XXXX account from my Experian credit file, as it can not be verified as accurate, complete, and compliant with federal law. 

Additionally, I request that all further communications and findings related to this complaint be mailed to my correct address, which has been provided to both the credit bureau and this agency. Until proper verification and supporting documents are provided, the account must be removed to prevent ongoing damage. 

Thank You, 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 2025-08-07 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:
complaint to the Consumer Financial Protection Bureau ( CFPB ) Subject : Inaccurate Credit Reporting XXXX XXXX XXXX via Experian Issue Type : Incorrect information on credit report Sub-Issue : Account status or payment history incorrect Details of the Complaint : I am filing this complaint against Experian and the data furnisher XXXX XXXX XXXX for reporting inaccurate, incomplete, and non-compliant information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Compliance Guidelines, and 15 USC 1666b. 

Account in question : Name : XXXX XXXX XXXX Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Current Status ( as of XX/XX/XXXX 2025 ) : Open. {$290.00} past due Balance : {$3600.00} Original Balance : {$3500.00} The following are the issues with this tradeline : XXXX XXXX Compliance Violation : The account is reported as Open while simultaneously being Past Due, which is a contradictory and misleading status under XXXX XXXX. 

No recent payments are listed, yet the balance has increased from the original {$3500.00} to {$3600.00}, violating XXXX XXXX standards that prohibit balance inflation without activity. 

FCRA Violation 15 U.S.C. 1681s-2 ( a ) : The account contains multiple inaccuracies that can not be verified as accurate, complete, and up-to-date. This makes it a violation of the FCRAs requirement for maximum possible accuracy.

Billing Practices Violation 15 U.S.C. 1666b : XXXX XXXX reported delinquencies ( 90 to 180 days late ) without proof of having first sent a proper billing statement with at least 21 days to pay. This violates Truth in Lending rules regarding timing of payments.

No Proof of Verification : Experian has failed to provide any documentation showing a proper reinvestigation under 15 U.S.C. 1681i, and the account remains unchanged despite my formal dispute and request for deletion. 

Court Precedent Ignored : In XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that CRAs must conduct more than a superficial inquiry. Experians lack of resolution and failure to delete a clearly unverifiable tradeline contradicts this legal precedent. 

Resolution Requested : I am requesting the immediate deletion of this XXXX XXXX XXXX account from my Experian credit file, as it can not be verified as accurate, complete, and compliant with federal law. 

Additionally, I request that all further communications and findings related to this complaint be mailed to my correct address, which has been provided to both the credit bureau and this agency. Until proper verification and supporting documents are provided, the account must be removed to prevent ongoing damage. 

Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: OH

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX & XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8100.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
CFPB Complaint Rushmore Servicing Subject : Continuation of Previously Closed Complaint # XXXX To Whom It May Concern, This is a continuation and rebuttal to my previously submitted complaint against Rushmore Servicing. The original complaint was closed prematurely without allowing me to respond to the servicers claims. I am submitting this in light of new clarifications and facts, and request that this matter be reopened and investigated 1. * * Returned Payment Misrepresentation * * : On XX/XX/XXXX, I authorized a payment of {$4200.00} to cover two months of mortgage. That payment was withdrawn from my bank on XX/XX/XXXX, overdrawing the account. However, on XX/XX/XXXX ( Monday ), I received a XXXX deposit of {$1600.00} that restored the balance. By the end of that day, my bank portal showed that the {$4200.00} was deducted successfully. However, on XX/XX/XXXX, I noticed the funds were returned. 

When I called Rushmore on XX/XX/XXXX, a representative informed me not to worry and stated that their policy was to retry returned payments automatically. On XX/XX/XXXX, I was informed that there was no such retry policy. This is a key misrepresentation. In Rushmore 's formal response to the CFPB, they stated that retrying a returned payment is their policy, but my account was allegedly flagged due to a prior NSF in XXXX. This contradicts their prior phone communications and is unsupported by the documentation they provided. There is no proof of an NSF in XXXX XXXX. * * Promissory Estoppel * * : On XX/XX/XXXX, my account XXXX XXXX XXXX clearly stated that if I paid XXXX mortgage payments by the end of XXXX, I would avoid foreclosure. I relied on that verbal agreement. However, when I attempted to make those payments on XX/XX/XXXX, I was informed my loan had been referred to foreclosure on XX/XX/XXXX, XXXX days prior to my attempt. The servicer broke their promise. 

XXXX argument that we can not guarantee foreclosure timing once a default notice expires is disingenuous. Why was I given a verbal agreement by an assigned specialist if it was meaningless? Their position contradicts their own actions and confuses customers who are earnestly trying to resolve delinquency. 

XXXX. * * Incorrect Dates and Misleading Internal Data * * : Rushmore stated : Resubmission was reactivated on XX/XX/XXXX, and will be in effect as of XX/XX/XXXX. This is an invalid and nonsensical future date, and it undermines their credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2025-08-07 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Aid Vantage has accounts showing on my credit report that I have no knowledge of. I am a victim of fraud and have been dealing with nonsense for over 15 years now. I was sued by XXXX XXXX XXXX XXXX XXXX back ion XXXX and I won that case. I have court documents to prove the case was dismissed with prejudice. I am not sure where this large amount of student loan debt came from that Aid Vantage is reporting to credit agencies. I have disputed this several times and nothing changes. My credit is ruined because of this. I have never been contacted whatsoever by Aid Vantage, and this never appeared on my credit until after the case was resolved in XXXX XXXX NY XXXX XXXX. I know XXXX XXXX is supposed to be private loans and Aid Vantage is federal loans but I do not owe these loans, I have no knowledge of these loans. And I was just made aware today that the loans show repayment date of XX/XX/XXXX. The age of debt dropping off your credit in XXXX is 7 years, this is now over 10 years and it also shows payments were made. I have never ever made any type of payments on these. I have no knowledge of any of it. Nor have I ever had any dealings with Aid Vantage. Please stop these corrupt companies. I want this off my credit and want all the points lost on my credit score. This is insane how these companies violate consumers rights and there is no recourse for any of it. They have caused me tremendous damage and I will never recover and they get to go on with their corrupt business practices. They are allowed to update on credit reporting agencies to basically renew a debt so the time does not run out. How is that legal/ lawful when the time allotment is 7 years, not renew before time expires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I sent {$100.00} to my mothers cash app which she did not receive and now they locked my account and told me I would receive an email that way they can release my funds which I have another {$75.00} locked on there and I have not heard from them at all and its been three days. Theyre not doing anything or giving me the information to speak to the review team so they can unlock my phone. Its been three days that Ive been just back-and-forth with them and its the same information that they can not do anything and I have to wait for an email which I have yet to receive This is through cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$7000.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$5500.00}, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$7000.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$5500.00}, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX 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

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$690.00}

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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX, 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Capital One Bank for ongoing and unjustified check holds, as well as their refusal to verify funds actions which I now believe may be retaliation for a previous complaint I submitted to the Consumer Financial Protection Bureau ( CFPB ) in XX/XX/year>. 
I have been a Capital One customer for nearly 10 years and have regularly deposited checks from XXXX XXXX over 2 years. Historically, these checks cleared within XXXX business days, and Capital One has previously verified these checks directly with XXXX XXXX by phone immediately releasing the funds afterward. 
Now, despite this clear history, Capital One is placing a six-business-day hold on the same type of check and has refused to make the verification call, citing an internal policy that limits check verification to once per year. This policy : Was never disclosed to me in writing ; Is not part of federal banking law ; Is now being used to withhold access to my funds without proper justification. 
Given that the bank has clearly demonstrated the ability to verify this type of check in the past, I find it deeply troubling that they are now refusing to do so, especially after my previous complaint to the CFPB earlier this year. I believe this could constitute petty retaliation, which is both unethical and potentially unlawful under federal consumer protection standards. 
This conduct undermines customer trust, violates the intent of Regulation CC under the Expedited Funds Availability Act, and appears to be arbitrary enforcement of internal policies at the expense of loyal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
The listed accounts were not authorized by me. Please act according to USC 1681g and delete them from my record within 15 days. Documents are enclosed.

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 2025-08-07 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CITICARDS CBNA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE CITIBANK SHOWS I OWE THEM MONEY BUT IT HAS BEEN TURNED OUT FOR COLLECTION AND SHOULD NOT SHOW ON MY CREDIT REPORT. 

iT NEEDS TO BE REMOVED NOW AS IT WAS TURNED OUT TO COLLECTION.UNPAID BALANCE CHARGED Off

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello please see documents for my dispute. NOTICE THAT THE CONSUMER HAS THE RIGHT TO REQUEST UNDER SUBSECTION ( D ) THAT THE CONSUMER REPORTING AGENCY FURNISH NOTIFICATIONS UNDER THAT SUBSECTION. PLEASE SEE SUPPORTING DOCUMENTS FOR MY DISPUTE

Company response to consumer: Closed with non-monetary relief