vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: MORGAN STANLEY & CO. LLC
State: GA

Complaint narrative:
Complaint Against : Morgan Stanley Private Bank, N.A. and subservicer XXXX  XXXX XXXX  Number : XXXX Property Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Summary of Issue Morgan Stanley and XXXX reported us as delinquent to the credit bureaus for XX/XX/XXXX, even though : XXXX. Timely Payments Were Made We made mortgage payments of {$1600.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These payments cleared our bank accounts. Proof is attached. 
XXXX. No Written Notice Was Ever Received The XXXX modification agreement states we would receive written notice by mail if the loan terms or required payments changed. 
We never received any such written correspondence until the delinquency/default notice dated XX/XX/XXXX. 
Morgan Stanleys XX/XX/XXXX letter claims notices were mailed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but these were never delivered to us. 
XXXX. We Never Used the Online Portal Until This Dispute We did not enroll in or utilize Morgan Stanley/XXXX  online servicing portal until this issue arose. 
Only then did we request electronic documents. Prior to this, all communication was expected via mail, as per the modification agreement. 
XXXX. Servicer Mishandled Funds Rather than applying our {$1600.00} payments and carrying a shortage balance forward, XXXX rejected them in full. 
This mishandling created an artificial delinquency despite our timely payments. 
XXXX. We Never Intentionally Missed a Payment We have never intentionally shorted or failed to pay our mortgage on time. 
We are now being punished for the servicers error, not for any actual failure on our part. 
XXXX. Since This Dispute Arose We have made all principal and interest payments in full and paid any late fees assessed in order to remain current. 
Our account is now up to date without issue. 
XXXX Credit Score Impact As a direct result of this inaccurate delinquency, our XXXX  XXXX XXXX dropped by more than XXXX points. 
This severe decline is directly preventing us from qualifying for mortgage financing to purchase a new home. 
XXXX. Violation of Legal Duties Under RESPA, servicers must provide clear, timely notice of changes in payment obligations. 
Under FCRA, furnishers may only report information that is accurate and complete. Reporting us delinquent when payments were made and no written notice was delivered is inaccurate. 



Requested Resolution Remove all derogatory credit reporting related to this alleged delinquency from XXXXXXXX XXXX XXXX XXXX 
Correct our mortgage payment history to reflect timely payments. 
Provide written confirmation that our account is current and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Credit Karma, LLC
State: GA

Complaint narrative:
On [ XX/XX/year> ], I used XXXX XXXX  through my Credit Karma Money account to purchase an item from XXXX ( XXXX ) XXXX for {$170.00}. I authorized the payment, but the merchant never delivered the item. I contacted the merchant multiple times with no response or refund. 

I filed a dispute with Credit KarmaXXXXXXXX XXXX XXXX providing proof of the transaction, order confirmation, and merchant communication. Despite this, my dispute was denied twice. I also requested a written explanation and final investigation findings, which were not provided. 

I am requesting that XXXX XXXX  reinvestigate this dispute under the Electronic Fund Transfer Act ( Regulation E ) and issue a refund of {$170.00} if the merchant can not prove delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: PA

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. My credit report contains multiple errors that I can no longer overlook. These inaccuracies have had a severe impact on my credit score and overall financial well-being, making it impossible for me to move toward financial stability and independence. This situation is unacceptable and requires urgent correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: LA

Complaint narrative:
To : Lakeview Loan Servicing , LLC. 

I am submitting this complaint because I believe Lakeview Loan Servicing , LLC has not complied with its obligations under the Truth in Lending Act ( TILA ). 

Under 15 U.S.C. 1641 ( g ), if you are the owner of my mortgage loan, you were required to notify me in writing within 30 days of acquiring ownership. I never received such notice. 

To clarify this issue, I submitted a written request to my servicer, XXXX. In their XX/XX/year> response, XXXX identified Lakeview Loan Servicing , LLC as the current owner of the note and provided your Coral Gables, FL address, along with a pool number. I am attaching a copy of this letter for reference. 

Because I have received conflicting information about the true owner of my loan, I need written confirmation from XXXX on the following points : XXXX. Whether Lakeview Loan Servicing , LLC is in fact the legal owner or holder of my mortgage note, or whether you are acting solely as the master servicer. 
XXXX. If XXXX is not the noteholder or investor, I request that you confirm in writing who the actual investor/noteholder is, so I can direct my inquiries appropriately. 

As a consumer, I am entitled to know who owns my loan and to receive the disclosures required by XXXX. Please respond to this request in writing within the timeframe required by law. 

Sincerely, 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 2025-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
* * * * I initially received a welcome letter from MARCUS by GOLDMAN SACHS BANK USA dated XX/XX/year> regarding an account that apparently " I '' had opened. I called the contact number on XX/XX/year> and told the rep that I spoke to that I had no knowledge of this bank, nor did I inquire/opened any accounts. I was asked several questions and was told that the account would be closed due to it being opened based on FRAUD and that I was most likely the victim of " identity theft ''. I was also advised that I needed to follow these steps : -submit a complaint to IdTheft.gov, file a Police Report, file a report with the Federal Trade Commission by calling XXXX file the ID theft claim and to also call XXXX XXXX XXXX XXXX to inquire about any other bank accounts opened with my name and social security number. 
I received another letter from same bank above dated XX/XX/year> confirming the Savings Account Closure. 

* * * * I received a letter dated XX/XX/year> from XXXX XXXX XXXX  stating a denial for a CREDIT CARD due to my credit, but I DID NOT AUTHORIZE this inquiry. 

* * * * Received XXXX letters from XXXX XXXX, XXXX dated XX/XX/year> stating that under the FCRA they are unable to approve the request to open an account with them. The last letter received was dated XX/XX/year> stating " We locked your online account to protect you. You won't be able to see your statements and notices at this time. Please contact us at XXXX or contact your system administrator. '' -- XXXX I NEVER TRIED TO OPEN THESE ACCOUNTS ; THIS WAS DONE WITHOUT MY KNOWLEDGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management is attempting to collect a debt in the State of Florida without being properly licensed or authorized to do so. Florida law requires consumer collection agencies to be registered and licensed through the XXXX XXXX XXXX XXXX in order to legally collect debts in this state. 
I requested validation of the debt and proof of Midlands authorization to collect in Florida. They failed to provide any documentation showing they are licensed or permitted to operate here. Despite this, they continue collection attempts. 
This conduct is misleading and unlawful because they are representing themselves as having the right to collect a debt when they do not. It creates consumer harm by attempting to collect funds under false authority. 
I am requesting the CFPBs assistance in requiring Midland to cease all collection activity in Florida until and unless they obtain proper licensing and to ensure that any negative credit reporting associated with this unauthorized collection activity is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
I recently received a copy of my credit report and discovered fraudulent activity, including accounts and inquiries made without my knowledge or authorization. The following accounts are reporting as open : XXXX XXXX {$2800.00} with past due {$88.00}. XXXX XXXX XXXXXX/XX/XXXX, Balance {$2400.00}, Status Open. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Status Open. 
Additionally, I identified the following unauthorized credit inquiries : XXXX XXXX XXXX via XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX TUXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to the FCRA, I have the right to an accurate credit report. I request that these fraudulent accounts and inquiries be removed immediately. I have also attached my Identity Theft Report for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documentation is enclosed to validate my claim.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I received a Notice of Data Incident from but Transunion confirming unauthorized access to my personal data, including my Social Security Number and Date of Birth. Because my identity was compromised while in their control, my credit report now contains negative, unverifiable, and potentially fraudulent items. 

I disputed these accounts, but Transunion failed to remove them within the required 4-day window under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This provision requires immediate deletion of unverifiable items and prohibits reinsertion without proper certification and notice. Transunion has ignored these protections, leaving me exposed to identity theft harms and unlawful negative reporting.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
There are XXXX collection debts and the result of identity.Theft, these debts are not mine.And there have been negatively affecting my credit.I would appreciate the right thing is done.They 've been harassing me threatening to take me on to court.And that's, that's not mine.I appreciate that this matter is taken care of and removed from my credit report with collections that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am formally disputing the above-referenced debt that you are attempting to collect and report to the credit bureaus. This alleged debt does not belong to me. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA ) 623 & 611 ( 15 U.S.C. 1681s-2 and 1681i ), you are required to provide complete validation before continuing to collect or report this debt. 

I demand the following documentation : A copy of the original lease agreement or contract bearing my signature, proving I am legally obligated for this debt. 
A full accounting/ledger showing how the balance of {$4900.00} was calculated. 
Proof that Columbia Debt Recovery is legally authorized to collect this debt. 
Documentation showing that this debt is within the statute of limitations for collection in the state of Florida ( where I reside ). 

Until you provide the above, you must : Cease all collection activity ( FDCPA 809 ( b ) ).

Stop reporting this debt to XXXX XXXX XXXX XXXX ( FCRA 623 ).

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to formally dispute inaccurate late payments reported on my credit file. These payments were made on time, and their misreporting violates the Fair Credit Reporting Act ( FCRA ).

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: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
My vehicle was repossessed in XXXX I owe XXXX on the vehicle. I tried to do a quick sale, but the bank I finance with kept giving me the runaround. Because the transmission wasn't working in the vehicle. On my report, it shows that the account has been closed. I also received the email saying that the vehicle has been sold to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This correspondence is a dispute regarding fraudulent accounts attached to my credit report. These accounts are not mine, were not initiated by me, and represent unauthorized and inaccurate information. Their reporting has created significant damage to my credit standing and unfairly tarnished my financial reputation.

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 2025-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
XX/XX/year> To whom it may concern, My name is, I submitted a formal dispute to XXXX XXXX regarding a XX/XX/year> late payment inaccurately reported on my credit file. Despite providing documented evidence including bank statements, cleared payments, a verified Home Tap contribution, and a history of timely payments Loan Care responded with a generic form letter stating that the previously reported information is accurate, without addressing any of the detailed arguments or evidence I submitted. They failed to explain how they conducted their investigation, provided no itemized findings, and did not even acknowledge the Home Tap payment or surplus funds that should have been applied to future obligations. This lack of transparency and failure to meet the Fair Credit Reporting Acts ( FCRA ) standards for a reasonable investigation has left an unjust derogatory mark on my credit file and reflects poorly on Loan Care 's commitment to consumer rights.

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: NM

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation