vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC
State: WA

Complaint narrative:
Mariner Finance is once again charging late fees for an account that has been current. They have refused to take responsibility for the fraudulent activity and intentionally reporting derogatory on my credit report. The account is current, has been current for months, yet once AGAIN they reported late payments on credit report. Doing these tactics deliberately in retaliation for reporting their predatory practices. 

Not only are they reporting late payments, they have flagged this loan as a " secured '' or " collateral '' which is absolutely false. They have no collateral and I never secured any property or assets to obtain this loan. This company has several lawsuits about their unethical practices, misuse of customers credit, and falsifying reports to the credit bureaus. Its sickening and I will continue to fight for all the customers they have taken advantage of. I will continue to share my story online and file formal complaints so the public can be aware of their shady practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MA

Complaint narrative:
All files that are referred to in this text are uploaded to my dispute on Discover. I bought a fully refundable ticket with XXXX XXXX. To get a refund with the XXXX, you have to submit a refund request. They denied my request and stated they would email me with the details. No email ever showed up and no reason was ever given. I spoke to them and they did nothing. 
I disputed with discover. XXXX  challenged my dispute, their response not one truthful thing was stated. In XXXX they said the ticket was non-refundable, which was a lie. They stated " on XXXX XXXX  for travel commencing on XXXX XXXX  ''. Followed by, " This reservation is not eligible for 24-hour cancellation policy because trip was not booked at least 2 days before departure. '' XXXX XX/XX/XXXX to XX/XX/XXXX is more than 2. If you passed the XXXX grade, you can tell that is also a lie. They also stated, " Customer accepted non-refundable terms and conditions when purchasing non-refundable tickets on aa.com. '' Which is also a lie. My ticket was refundable, I couldn't have accepted any ridiculous XXXX XXXX XXXX XXXX XXXX There was not a modicum of truth in their response. 
I thought this will be easy, not one person could accept on its face what XXXX  responded with, except for anyone that works at discover, i guess. I talked to 6 people at discover, including 2 managers, they refused to even acknowledge what XXXX  said was not true. They said they were bound by the fictitious terms and condition that were sent. They accepted XXXX  's lie and refused to even hear any logical retort. 
I ask the following question, what is the point of discover 's dispute department? If a giant corporation can say anything and discover will rubber stamp any ridiculous claim, why even have it? The department is a joke, some meaningless fluff to put on a brochure to make it seem like they actually do anything to help. They are obviously in bed with the corporations. A wink and nudge agreement. XXXX XXXX just respond with anything, we will make sure the consumer can't do anything and we'll split their money. A corrupt bunch of clowns. 
I had to go to XXXX  and tell them in chat, to tell me that my ticket was refundable. To get worthless discover to even think about looking at my case again. 

I uploaded XXXX  's actual response to discover to show how ridiculous it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I got a notification that a collection was added to my account from National Credit Systems from an apartment complex in Texas called XXXXXXXX XXXX XXXX. I am a victim of identity theft and I've never lived in Texas and this debt is requesting me to pay {$7400.00}. There is also an eviction on my record from this aswell. My son had the same debt and it was removed as found it was not his. His cfpb claim number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX was purchased on XX/XX/XXXXXXXX  in which the original loan balance was {$35000.00}. I have reason to believe there have been deceptive practices and or disgorgement in this transaction and therefore have requested a complete chain of title for any assignment, endorsement, pledge, sale or transfer of the original promissory note, application or acknowledgement. Pursuant to common law fiduciary standards as well as the Generally Accepted Accounting Principles and the implied covenant of good faith and fair dealing under UCC 1-304, I am within my rights to request a full forensic accounting in regards to the transaction both payable and receivables. I am the age of majority and of sound legal capacity, and I hereby assert my right to claim any securities, trust interests, or minor accounts held in my name or estate, including any accounts or funds registered via SSN or EIN associated with my identity. On XX/XX/XXXX, I sent a letter via certified mail # XXXX and to date have not received a response from Capital One ; however, they added a right to cure on my account. I called Capital One in attempts to see if there is an XXXX XXXX  and the representative was not able to provide me with said information. I would like to follow the process if there is an XXXX XXXX  and if not just move forward with civil proceedings

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: Experian Information Solutions 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 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 2025-07-11 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: NC

Complaint narrative:
My credit usage increased by {$31.00} and TransUnion took XXXX points. I had a credit increase on my XXXX XXXX XXXX XXXXXXXX XXXX card. The credit increase was {$200.00} more and they only gave me XXXX points increase in my score I am now convinced that someone at TransUnion has it in for XXXX {$200.00} XXXX point increase while {$37.00} more credit used= me losing XXXX points. No way anyone can tell me that is fair credit reporting. TransUnion left a claim on my report that was derogatory for 6 XXXX they took points when! THey added it to my account ( XXXX ) then after.6 years of slandering my good name with fraudulent and false report that I had sent a copy of the court order that proved the apartment property management had been LIEING all those years. TransUnion finally took it offy.report 1 week.betore.ot was going to fall off report and geuss XXXX  what when they closed that account.XXXX took another XXXX points. FOR AN ACCOUNT THAT WE AS.FRAUD AND NOT TEUE!!! YALL LET.THEM GET AWAY WTH IT THEN AND NOW ITS A DAILY STRUGGLE WITH ALL THE WAYS THEY TRY TO COME AT YOU. I FO REPORTED BY TRANSUNION IS ALWAYS ALWAYS OUT OF DATE. I Have HAD Credit CARD COMPANIES CALL THEM AND REPORT MY IP YO DATE BALANCES.AMD TRANSUNION JUST THROWING HANDS.I.N THE AIR XXXX CFPB. XXXX HAVE TO SO SOMETHING UNFAIR AND UNEQUAL SCOREING. NIOT EVEN CLOSE TO.ACCURATE OR IN DATE. AND YES ITS BEEN ALL THESE YEARS LATER AND MYSTERIOUSLY I still am not able to log into my account over 6 years now I.believe and I filed complaint on them with y'all twice last year. Guess what they still ain't done shi

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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The delinquent status on this account is inaccurate and should not be reported. I would like this to be disputed and updated to show a clean payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The delinquent status on this account is inaccurate and should not be reported. I would like this to be disputed and updated to show a clean payment history.

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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Dispute of Alleged Debt Request for Full Validation under FCRA Section 609 * * * * Reference Number : XXXX XXXX XXXX XXXX XXXX  Alleged Balance : {$640.00} * * To Whom It May Concern, This letter is a formal dispute regarding the collection account you have listed under reference number XXXX XXXX XXXX XXXX XXXX, associated with an alleged balance of * * {$640.00} * * for XXXX XXXX. 

Under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g * *, and the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * *, I am requesting full validation of this alleged debt.

Please provide the following : * A * * copy of the original signed contract * * or agreement bearing my wet signature; * A full * * itemized breakdown *
* of the \ {$640.00} balance and how it was calculated ; * Proof that you are legally authorized to collect on this debt; * The * * name and contact information of the original creditor * *, and any related account numbers.

All documentation must be sent * * by email only * * to the address listed above. Do not send anything to my physical mailing address.

Until you provide the requested validation, you are required to * * cease all collection activity * * and ensure that the account is reported as * * disputed * * with all credit reporting agencies. If you are unable to validate this account, it must be * * immediately removed * * from all credit reports in compliance with the FCRA. 

This is a good faith effort to resolve this matter. Please respond within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: MD

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, theyve added a collection to my credit report.

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 2025-07-11 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: Experian Information Solutions Inc.
State: MD

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 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FC HoldCo LLC
State: MO

Complaint narrative:
Randomly stuff just popped up in my account that I dont recognize

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 2025-07-11 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I contacted Experian in regards to unauthorized inquiries on my credit report that they are reporting on my credit report. Experian continue to report the inquiries and they are negatively affecting my report. I did not authorize the inquiries listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a written credit dispute to Experian regarding an account from XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ). I did not claim identity theft at any point. However, Experian responded by treating my dispute as a fraud claim and demanded documentation such as a police report or identity theft affidavit, which is not applicable or required under the Fair Credit Reporting Act ( FCRA ) 611 for standard disputes.

My request was a lawful dispute under FCRA 611, seeking verification and validation of an account I believe is inaccu
rate and unverifiable. Experians failure to investigate properly and to respond appropriately is a violation of the FCRA. They did not provide verification from the furnisher ( XXXX XXXX XXXX XXXX XXXX ), nor did they conduct a reinvestigation as required by law. 
Instead, they diverted my request into an identity theft procedure, which allowed them to avoid reviewing the accuracy or completeness of the account. This tactic is misleading and obstructs my rights under federal law. As a result, the XXXX account remains on my credit report, continuing to harm my credit profile despite not being properly verified. 
I am requesting that Experian delete this account from my credit report and that the CFPB investigate their mishandling of my dispute. I am also asking for enforcement action if Experian is found to be willfully negligent or noncompliant in handling consumer disputes accurately.

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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-11 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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