vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: SC

Complaint narrative:
My Fed Loan is being provided by XXXX. I have tried to get this account moved to another provider. Each time I call, they do not have the information I need to progress with the PSLF. I pay on time, each time it says the account is due. They have not provided the right number of counts. They report several months as making more than one payment and some months as none. Event though I pay when the account says due now, even though I have already made the payment for that month. Their reporting and counts are not accurate. They reported to the credit bureau that a new account was detected and added to my credit report which has caused my score to drop XXXX points. Then they removed the same account from my credit bureaus. They remove and add but I have been paying this account since before XXXX, which they reported. I want all negative information removed from my credit account and only accurate information reported. I will have made my required 120 payments in XXXX of XXXX  and this company reports errors regularly. I have tried several times and filed a complaint with The Fed Loan US Dept agency also. I am not happy, they are unprofessional and incompetent to handle loans of such importance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I have been approved for a loan modification. Lakeview loansXXXX XXXX XXXX sent documents for XXXX to sign and have notarized. I completed the documents, had them notarized and sent them back to the loan company. They keep sending a new packet for me to complete without any documentation of what was incorrect on the documents that I have sent to them, The second time I signed with the notary that they sent out, they gave her instructions and we abided by them. I have called and asked that they provide clear written instructions so that I can complete the documents correctly by the date that they have stipulated and the customer service representative told me that they do not do that, and that a manager would call me back.

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XXXX XXXX, XXXX my chime card was apparently compromised and was charged by XXXX merchants. One was at a laundry place for XXXX in ny at XXXX. The other was from XXXX, 9 times at XXXX XXXX times for a total of XXXX. I never got any alerts asking if this was me. I have disputed these a couple of times. Chime reimbursed me for the XXXX charge but will not approve the ones from XXXX. I called XXXX and there is no record of purchases with my card during this time. The last time was jan. XXXX. So if they don't have proof that I made these purchases, how are they gon na deny this dispute?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CT

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer.

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ).

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding MIDLAND CREDIT MANAGEMENT in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect.

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the MIDLAND CREDIT MANAGEMENT containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Florida Without proof of ownership or a chain of title, MIDLAND CREDIT MANAGEMENT has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account.

2. Cessation of all collection activity unless and until full validation and legal standing are established. 

XXXX. A complete investigation by your agency into MIDLAND CREDIT MANAGEMENT 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector : MIDLAND CREDIT MANAGEMENT Original Creditor : XXXX  XXXX XXXX XXXX  Alleged Account Number : # XXXX XXXX XXXX XXXX XXXX Date of alleged charge-off or transfer : [ Month/Year ] Date of collector 's first contact : [ Month/Year ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
Your company is in violation of the FCRA and Metro2 Compliance standards. Specifically, you are violating : - XXXX XXXX  - {$60000.00} - Account # XXXX - Date Opened : XX/XX/XXXX - XXXX XXXX - {$30000.00} - Account # XXXX - Date Opened : 11/2020 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), which clearly states that transactions or experiences between the consumer and the person making the report are not included in consumer reports.

15 U.S.C. 1681s-3, which relates to the responsibilities of information furnishers.

The above section, 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), clearly states that transactions between the consumer and the person/corporation making the report are not included on the consumer reports, yet you are reporting this information.

The reporting of excluded information is a clear violation of Metro2 Compliance standards. I demand that you provide me with the Metro2 Compliance disclosure regarding reporting transactions to a consumer reporting agency. 

I need the transactions reported on the dates listed deleted from my consumer reports effective immediately. 
Please note that I am not requesting validation or verification of these late payments. Therefore, do not reply with a validation response to waste my time.

Furthermore, 15 U.S.C. 1666b ( a ) states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I need the above LATE PAYMENTS deleted from my consumer reports without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: VA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-28 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 2025-11-28 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: CA

Complaint narrative:
The entry in question is inaccurate and unfairly represents my financial history. I request a prompt review and correction.

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 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Mercari, Inc.
State: GA

Complaint narrative:
Complaint : Mercari permanently closed my account after I listed and sold my personal XXXX XXXX XXXX XXXX, which I owned outright. The buyer received the item with no complaints, and the transaction was fully completed.

However, Mercari refuses to release my payout of {$150.00}, even though the item was legitimate, the sale was legitimate, and the buyer was satisfied. When I contacted support, they ignored my statements about the successful sale and continued sending generic, automated responses about prohibited items and receipts unrelated to this transaction.

Mercari accepted my listing, allowed it to sell, took their fees, confirmed delivery, and now refuses to pay me, which is unfair and deceptive. They are withholding my funds withou
t a valid reason, and they are refusing to address the specifics of the transaction.

I am requesting the immediate release of my payout, since the item sold was my own personal device and fully compliant with policy.

This feels like Mercari is intentionally holding customer funds and using unrelated policy violations as a justification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: VA

Complaint narrative:
Regions bank refuses to accept my durable POA remotely. I am not in a state with a local branch. My father is bed bound and has XXXX. I need 5 years of bank statements to apply for 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 2025-11-28 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: VA

Complaint narrative:
Dear XXXX, I am submitting a dispute regarding the inaccuracies on my credit report. Please review the following information for each credit bureau as outlined below. 

INQUIRIES Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX  Date : XX/XX/XXXX Account Name : XXXX  Date : XX/XX/XXXX Account Name : XXXX  Date : XX/XX/XXXX LATE PAYMENT Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2025-11-28 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Despite being paid in full, this account still reflects late payments inaccurately.

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 2025-11-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: United Mortgage Lending LLC
State: MD

Complaint narrative:
Good afternoon I received a call from XXXX XXXX XXXX # XXXX stating that he and his organization were calling me from the " mortgage division of the Department of Veteran affairs '' I questioned a second time to confirm that they were stating that they are with Department of Veteran Affairs, to which they affirmed yes. 
Fortunately as a lender myself I know that this is a tactic that " shady '' lenders use to mislead Veterans and non Veterans alike. While this doesn't seem like it's a big deal, it is. The fact is that we take annual compliance training telling us this is unethical. I hope that this warrants investigation into other practices with XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 2025-11-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Misleading pre-approval offer resulted in unauthorized hard credit inquiry On XX/XX/year>, I received a Capital One mail offer stating no impact to your credit score until you accept. 
I scanned the XXXX code on the offer to check pre-approval only, not to submit a full credit card application. The website did not clearly disclose a hard credit inquiry would be performed, and I was instantly denied. 
I never accepted any credit terms and I was not given any clear consent popup before the inquiry occurred. The offer did not include any required disclosures. 

Customer service claimed a hard inquiry disclosure existed during the application, but my mailed offer contained no such disclosure, and the XXXX code directed me straight to the form. 

This violates : The Fair Credit Reporting Act ( lack of clear consent ) Truth in Lending and Truth in Advertising standards I am requesting : Removal of the unauthorized hard inquiry from all credit bureaus Review of misleading pre-approval advertising practices Attachments : Photo of the offer letter with no impact to your credit score until you accept Screenshot showing reservation code became invalid after automated denial Screenshot of hard inquiry on my credit report

Company response to consumer: Closed with explanation