vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I trusted XXXX to move all of my money to their bank. I have been with them over 100 days now and im not exaggerating when i say EVERY DAY they flag my debit card for fraud but dont send me fraud alerts to unlock my debit card. I call in every day to confirm the transaction because even {$2.00} transactions at my local gas station declines and locks my card up for fraud. They usually tell me i have to visit a branch and they can not unlock the card. I have been left stranded sleeping in my car, ran out of gas trying to get home, had my cell phone disconnected, and many other very serious issues because the only way I have to pay is frozen due to the bank saying the transaction caused a concern even $ XXXX {$10.00} local purchases with the chip inserted in the machine. This is become clearly intentional to take peoples money and keep it in their bank without giving them access to use it. And escalated my concerns as high as they will let me Ive done everything but I know what to do and I keep going through this.

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 2025-11-07 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Subject : Request for Debt Validation, Removal of Reinserted or Duplicate Accounts, and Correction of Credit Reporting To Whom It May Concern, I am contacting you regarding several accounts you are reporting under my name with the credit bureaus. Upon reviewing my credit reports from XXXX, XXXX, and XXXX, I noticed that Midland Credit Management is reporting multiple accounts that appear to represent the same debt.

Each account lists the same balance and original creditor, but with different account numbers. Additionally, I have observed that certain Midland Credit Management accounts have disappeared from my credit report and later reappeared, which suggests potential re-aging or reinsertion of deleted data.

These actions may constitute violations under the Fair Credit Reporting Act ( FCRA ), which prohibits re-reporting previously deleted accounts without proper notice, and under the Fair Debt Collection Practices Act ( FDCPA ) if inaccurate or misleading information is being used in the collection process.

Under the FDCPA 809 and FCRA 611, I am requesting : 1. Full validation of the debt ( s ), including documentation showing : The original creditors name, The full accounting of the alleged balance, The date of first delinquency, and The complete chain of assignment or sale to Midland Credit Management.

2. A detailed explanation of why multiple account numbers are listed for what appears to be a single obligation.

3. Immediate removal of any accounts that were previously deleted, reinserted, re-aged, or inaccurately reported, as required under FCRA 611 ( a ) ( 5 ) ( B ).

4. Correction or deletion of any duplicate or inaccurate entries currently being reported to the credit bureaus.

Please note that until this matter is resolved and full validation has been provided, you must cease all collection activity and report the affected accounts as disputed to all credit reporting agencies.

I expect a written response within 30 days, as required by federal law. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Last four of SSN : XXXX XXXX XXXX XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting this same closed and fully paid account with different and incomplete information compared to XXXX  and XXXX. Equifax lists XX/XX/year> as the date of last activity and a different reporting date. Additionally, the late payment can not be verified, as the other credit bureaus show conflicting data. This demonstrates a failure to maintain accurate and consistent records as required under FCRA 607 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NJ

Complaint narrative:
Back in XXXX my XXXX XXXX loans were transfered to XXXX where the loans are serviced by ED Financial In XXXX, I re finance part of my loans with XXXX for XXXX I have tried multiple times to have these loans removed from Ed Financial, I have called them weekly and asked what I need to get them removed. They kept saying submit this document etc. Every time I called its another " this document wont work we need this one '' I have sent multiple documents showing re finance and payment was issued. XXXX can even confirm the check was cashed. Ed finacial has me in over XXXX debt because they wont remove the refinanced loans after multiple attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is being filed by XXXX XXXX XXXX, XXXX, represented by XXXX XXXX, on behalf of XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, California XXXX, against Equifax for serious violations of the Fair Credit Reporting Act ( FCRA ). Equifax has continued to report false and misleading information regarding an account reported by XXXX XXXX XXXX Account XXXX. XXXX ), which is shown as a Charge-Off with a {$0.00} balance and a remark stating Purchased by another lender. This reporting is inaccurate and deceptive. Once an account has been sold or transferred, the original creditor can not continue to report it as a charge-off, nor can a {$0.00} balance appear under derogatory status. Despite a formal written dispute submitted on XX/XX/year>, Equifax has failed to correct or delete the erroneous tradeline, violating FCRA Sections 607 ( b ) and 611 ( a ), which require credit reporting agencies to ensure maximum possible accuracy and to reinvestigate disputed information within XXXX  days. 

Equifaxs continued publication of this inaccurate data has caused material harm to the consumers credit profile, financial credibility, and opportunity to obtain credit. The agencys failure to properly investigate and correct this misleading information constitutes gross negligence and willful noncompliance with federal law. The authorized representative requests that the Consumer Financial Protection Bureau ( CFPB ) compel Equifax to immediately correct or delete the inaccurate reporting of the Comenity Capital/ULTA account and update the record to show Transferred/Sold {$0.00} Balance, or delete it entirely if it can not be verified. Furthermore, Equifax should provide written proof of the reinvestigation results, furnish an updated credit report to the consumer, and ensure compliance with FCRA procedures moving forward. This complaint is filed under the authority granted by the Consumer Authorization and Limited Assignment Agreement signed by XXXX XXXX on XX/XX/year>, authorizing XXXX XXXX XXXX, XXXX and XXXX XXXX to act on her behalf in filing disputes and complaints with federal regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy - XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received my monthly mortgage statement around XX/XX/XXXX with an amount of {$1300.00} instead of my regular charges on an estimate of {$940.00} due to my insurance increase by {$500.00} from last year. I contacted Regions customer service department on XX/XX/XXXX inquiring about my monthly mortgage payment. The first representative I spoke with stated that my monthly payment increase due to escrow. I started asking more probing questions about my insurance change every year but my monthly payment never increase by an additional {$400.00}. I ask to speak with a XXXX & my call was transferred over to supervisor XXXX in the call center. XXXX was able to provide more information & told me about my insurance was short paid in the amount of {$2000.00} instead XXXX. I immediately contacted XXXX XXXX to inquire why they only send an invoice for {$1800.00} instead of {$3800.00}. XXXX XXXX a supervisor from XXXX send me copies of the invoice showing the {$3800.00} instead of the {$1800.00}. I disconnected the call after XXXX XXXX assisted & contact Regions XXXX department regarding the short payment, thats when I learned from XXXX of Regions representative that XXXX looked at the declaration page wrong & typed in the incorrect amount for XXXX. I contact Regions customer service department every day trying to get this resolved. I keep getting the runaround about they spoke with XXXX regarding this issue, sorry for the inconvenience, a supervisor/ manager will call you back. If they wouldve paid the remaining amount in XX/XX/XXXX. I wouldve been canceled. They can extend the {$2000.00} in XXXX  months. Im requesting that Regions bank write-off the {$2000.00} that their representative keyed incorrect in XXXX & didnt catch the error until I decided to leave XXXX XXXX. When I spoke to XXXX XXXX out of the office in Mississippi yesterday stating that she will have her supervisor contact me in XX/XX/XXXX hours regarding this matter. Ive been treated horrible by Regions Bank Mortgage team. Trying to blame me for a mistake that XXXX in the Regions XXXX department made. XX/XX/XXXX, I spoke with another supervisor XXXX who thought it was a joke & my fault as a customer.

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 2025-11-07 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: PA

Complaint narrative:
I have no association with this account, and the information shown is incorrect.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have no association with this account, and the information shown is incorrect.

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 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
Heights Finance XXXXXXXX XXXX. My due date is XXXX or the month every month. The past 2 months then been taught it out early and putting me in the red. I messaged them called them and they dont return my messages or calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 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 2025-11-07 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: TX

Complaint narrative:
Hello, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have no association with this account, and the information shown is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 records of convictions of crimes which antedates the report by more than XXXX 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: CA

Complaint narrative:
This complaint is submitted by XXXX XXXX XXXX, XXXX, through its authorized representative XXXX XXXX, on behalf of XXXX XXXX, against EDFINANCIAL SERVICES LLC for violating the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes, including a formal second notice dated XX/XX/year>, EDFINANCIAL SERVICES LLC continues to report an account without providing any proof of ownership or supporting documentation. Marking the account as verified without evidence is a willful and negligent act that disregards federal law. The companys refusal to comply has caused serious harm to the consumers credit, reputation, and financial standing. 

The complainant demands that XXXX XXXX XXXX immediately provide full verification of the alleged account or permanently delete it from all credit reports. The CFPB is urged to take swift enforcement action to ensure compliance and hold EDFINANCIAL SERVICES LLC accountable for its continued violations of the FCRA. 
EDFINANCIAL SERVICES XXXX XXXX

Company response to consumer: Closed with explanation