vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Regions Bank for improper escrow management, failure to refund improperly collected funds, inconsistent information, and unfair fees that have caused significant financial harm.

Issue Summary : In XX/XX/year>, I submitted a request to remove escrow from my mortgage account. I paid a 20 % down payment and elected to pay my property taxes independently. Despite communicating repeatedly through the Regions customer portal, the responses I received were unclear. After multiple attempts, I was eventually told by phone that I needed to submit a formal written request. I did so immediately.

Regions removed escrow from my account, but none of the escrow payments already collected were refunded, even though escrow was not supposed to be active. This alone resulted in a financial loss.

Ongoing Problems : Nearly one year later, Regions unexpectedly applied escrow charges again, without any notification or consent. When I contacted the bank, I was told I must submit the same letter every year in order to avoid escrowinformation that was never previously communicated to me.

Once again, despite escrow being applied incorrectly, no refund was provided.

Recently, the situation escalated further. I was informed that : A 0.25 % transaction fee will be charged, and A {$7000.00} escrow waiver fee is required in order to remove escrow again.

Additionally, I was told I must continue paying escrow during a 3045 day review period, even though the bank caused the issue through inconsistent guidance.

Why This Is Unfair : Regions provided inconsistent, misleading, and incomplete information over the span of a year.

Escrow was charged without consent despite me meeting the requirements for escrow removal.

No refunds were issued after improper escrow charges.

The newly added {$7000.00} waiver fee and additional percentage charges feel punitive and predatory.

I am being financially penalized due to the banks internal miscommunication and unclear policies. This situation has caused financial strain, stress, and an inability to properly plan or manage my mortgage payments due to sudden and unexplained changes.

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 2025-12-03 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
46 inquiries that reporting on my credit that authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Due to a financially hard time I took out a credit card from XXXX XXXX years ago. Mostly to help with groceries and things for my babies. I was in a financially hard time and knew I had to pay it back eventually. When I came to the point when I wanted to see if they would settle, they had already sent it to a debt collector and did not give me any chance to try to pay it and settle, also upon that they threatened to sue me if I failed to pay. They wanted my debit card on file to take payments as they pleased ( which I was not okay with ) and after doing my research i came to find out I could request a Debt Validation Letter. They took 30 days to send an answering letter to my letter. In which they did not answer my claim to send me a Debt Validation Letter. They just sent false reports with no signatures to make them legit. Also just sent back things I already knew and nothing was verified or answered what I had asked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management t a third party collection debt that doesn't belong to me and I told them to verify and validate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern I am filing a formal complaint regarding inaccurate and unlawful reporting on my credit file. I am requesting the Consumer Financial Protection Bureau to investigate and require the furnishers and credit bureaus to correct or delete these items as they are reporting false, misleading, and unverifiable information in violation of the FCRA, Sections 602, 607, 611, and 623. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported as CHARGE OFF * * This account is being wrongfully reported as a charge off even though I have no knowledge of this account, never received any verification, billing statement, contract, or any proof that this account belongs to me. Reporting a charge-off for a {$0.00} balance is inaccurate, misleading, and not consistent with FCRA accuracy standards. I am demanding full validation and immediate deletion if the furnisher can not produce signed documentation proving this debt is mine. This reporting has caused harm, and I request urgent CFPB intervention. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Reported as LATE PAYMENT * * This account is reporting late payments that are completely false. I never made any late payments, never received any notice, and the creditor has failed to provide any accurate billing history that proves these alleged delinquencies. Under FCRA 623, furnishers must report complete and accurate informationthis is clearly not being followed. These inaccurate late payments are damaging my credit profile, and I demand a full investigation, correction, and update to reflect an accurate on-time payment history.

I am requesting the CFPB to compel the furnishers and credit bureaus to investigate these inaccuracies, provide verifiable proof, and update/delete the accounts accordingly. These false entries are causing financial harm and violating my rights under the FCRA.

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Lvnv funding llc - {$590.00} Lvnv funding llc - {$410.00} Lvnv funding llc - {$1700.00} ( file a judgement without notification ) Lvnv funding llc - {$800.00} I have sent in numerous complaints on this company and these accounts and no matter what they come back verified. I have never made or had an agreement with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-02 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: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-03 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I submitted all the identity verification documents that Barclays requested. I first sent the documents on XX/XX/year>. Then I sent them again on XX/XX/year>, and once more on XX/XX/year> ( Social Security card front and back, government ID, and proof of address ). Barclays said the documents were too old, so I sent updated documents again on XX/XX/year>. 

Even though I submitted everything multiple times by fax, my account has been blocked for more than three months. I do not have access to the account, can not see my balance or statements, and can not make payments. Every time I contact Barclays, they only tell me to wait without providing any resolution or timeline.

Because Barclays kept my account blocked and I had no access to make a payment, a late payment was added to my account. This late payment is not my fault. It happened only because the bank blocked my access during their verification process. I followed all instructions and provided all requested documents.

* * This unreasonable delay has caused financial harm. I am requesting : 1. Immediate processing of my verification and removal of the account block.

2. Removal of the late payment.

3. Reversal of any late fees or penalties.

4. Written confirmation that no negative information will be reported to the credit bureaus. * * I fully complied with all verification requirements, but Barclays has not resolved this issue for more than three months.

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 2025-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I talked to fraud department and she cleared up everything but now they closed my account and will not let me get my account back even though the whole time before identity theft my account was always in good standing. And with my credit score going in the dirt right now, I can not apply for another account like they told me too. I think this is very unfair and they wanted me to pay the whole {$500.00} balance off but some of that balance is part of the theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

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 2025-12-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or he has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MD

Complaint narrative:
Complaint against Jefferson Capital Systems , LLC XXXX and XXXX merged they charged me after I left when they merged XXXX sent a bill I told them I wanted to end the contract and my account balance was XXXX ( I have chat transcript proof with chat numbers and operator numbers ) ( In the chat the operator verifies no balance on all numbers ) The account was sent to Jefferson Capitol LLC who sent it to XXXX XXXX also a company named XXXX XXXX XXXX said they would not speak to me about it contact the other two companies I did so and they ( both other companies ) closed the accounts and sent it back to XXXX Filed the credit report dispute they marked it XXXX balance account closed Then emailed me the bill again, I called they want my address and tried to charge me XXXX $ todo a investigation on the dispute via my credit card. 

This has been going off and on for almost five years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
This letter is my formal Procedural Request under FCRA 1681i ( a ) ( 7 ) regarding Experians alleged verification of the XXXXXXXX XXXX XXXXXXXX XXXX account ending in XXXX. 

Please provide : Full name, job title, and company of the individual who verified this account Exact method used ( manual review, ACDV, e-OSCAR, etc. ) All documentation supplied by XXXX XXXX  XXXX. 
Indication of whether any original documents were reviewed DOFD ( Date of First Delinquency ) Proof supporting the accuracy of conflicting CO/OK codes, missing months, duplicate charge-off reporting, incorrect furnisher address, and other inaccuracies If Experian can not produce documentary evidence of verification, the account must be deleted immediately under FCRA 1681i ( a 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 2025-12-03 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: FL

Complaint narrative:
Illegal Re-Aging of the Account The account is now showing closed on XX/XX/year>, even though the charge-off occurred earlier.

This change falsely extends the delinquency timeline and violates FCRA 623 ( a ) ( 5 ).

Conflicting Status Equifax originally reported the account as open, while showing charge-off/collection.

Other bureaus show different statuses ( closed ), and Equifax recently changed the status to closed without proper investigation.

Conflicting Dates Date of First Delinquency ( DOFD ) differs across bureaus.

Date of Last Activity and Date Closed are inconsistent.

Equifax changed the closure date to XX/XX/year>, which is inaccurate and misleading.

Failure to Conduct a Reasonable Reinvestigation This is my 4th dispute, and Equifax has not corrected conflicting and incomplete data.

Violations include : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681i ( a ) Inadequate reinvestigation FCRA 1681s-2 ( b ) Furnisher failed to correct after disputes FCRA 1681c Re-aged DOFD affecting reporting period The data is unverifiable and misleading Balances, past due amounts, dates, and payment history differ between credit bureaus.

Requested Action : I am requesting the CFPB to require Equifax to : Delete the inaccurate XXXX  account from my credit report, or Correct all dates, statuses, and reporting to be accurate, consistent, and compliant with FCRA rules.

Equifax has failed to resolve these issues despite multiple disputes and continues to update the account with new incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-02 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: AZ

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