vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I am writing to formally dispute the following unauthorized hard inquiries appearing on my XXXX XXXX XXXX XXXX XXXX credit reports. I did not authorize these inquiries, nor did I initiate any application or account that would justify their presence. Therefore, these inquiries do not meet the permissible purpose requirements under the Fair Credit Reporting Act ( FCRA ) 604 ( a ), and must be removed immediately. Unauthorized Inquiries to Be Removed : EXXON/CBNA Inquiry date XX/XX/year> 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 2025-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Guild Holdings Company
State: GA

Complaint narrative:
In XX/XX/XXXX, Guild Mortgage acknowledged my FHA loss mitigation application as complete ( letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Their letters stated my loan was under review for a COVID-19 Streamline Workout and that no further action was required from me while they completed the evaluation. 

Despite this, on XX/XX/XXXX, Guilds Loss Mitigation Department called me and demanded an upfront payment of {$5500.00} ( four mortgage payments ) as a condition to be considered for ANY FHA assistance, including the Partial Claim. The representative stated this payment was required by FHA, which is false and contradicts HUD Handbook XXXX and COVID-19 loss mitigation rules. FHA does not require a lump-sum reinstatement before evaluating a completed application. 

During the call, Guild also told me that COVID hardship programs are no longer offered, even though their own written notices state that my loan is currently being evaluated under the COVID-19 Streamline option. 

While my application was in active review, Guild continued to report 30- and 60-day delinquencies to the credit bureaus and denied my credit reporting dispute without addressing the underlying servicing issues. This is improper dual-tracking and inaccurate reporting during a protected loss mitigation review period. 

I have submitted written disputes, including a Notice of Error/Qualified Written Request on XX/XX/XXXX, but Guild has not corrected the errors or provided the information requested. Their responses have been contradictory and incomplete. 

I am requesting CFPB assistance to ensure Guild stops improper collection activity, corrects inaccurate credit reporting, and completes the FHA review according to HUD, RESPA/Reg X , and FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: NH

Complaint narrative:
I am filing a complaint against Dave ( Dave , Inc. ) for refusing to honor my revocation of ACH authorization and for repeatedly insisting that I am not allowed to revoke an ACH debit for their XXXX  repayment feature.

Before the scheduled withdrawal date, I contacted Dave and provided written notice revoking my ACH authorization. Under Regulation E ( 12 CFR 1005.10 ( c ) ), consumers have the right to stop payment of ANY preauthorized electronic fund transfer, and under NACHA Operating Rules 2.3.2.4, consumers have the right to revoke authorization for ANY ACH debit entry, including one-time or single-entry authorizations.

Dave repeatedly responded that my ACH authorization can not be revoked because my XXXX repayment is a one-time charge or single authorized transfer. This is false and directly contradicts federal law and ACH network rules. A consumer may revoke authorization for any future debit that has not yet been processed.

Dave has also delayed responding to my revocation request until after they attempt to debit my account, making it impossible for me to exercise my legal rights in time. Their responses are misleading and seem designed to prevent consumers from using their federally protected right to revoke ACH authorization.

I have notified my bank and initiated a stop payment. Any attempt by Dave to debit my account after revocation would legally constitute an unauthorized electronic fund transfer under Regulation E.

I am requesting that Dave be required to comply with federal law, stop providing misleading information about ACH rights, and stop all future ACH debit attempts on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

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
Consumer complaint received 2025-12-04 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: MD

Complaint narrative:
I applied for Loan Modification but Selene Finance LP increased my Monthly Mortgage Payments instead of Reducing it as per the Guidelines of XXXX XXXX. I applied for another Loan Modification with expectation to get the Monthly Mortgage Payment being Reduced. I can start making the Lower Monthly Mortgage Payments with 20 % Reduction of Principal & Interest Payments as per the Guidelines of XXXX XXXX. The Current Property Value is almost the half of the Current Mortgage. Please find the XXXX XXXX XXXX attached with the Appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. It was really stressful and hurtful to find out that someone took advantage of my good relationships with banks and applied for cards. I found fraudulent accounts and inquiries on my credit report. Please dispute and remove listed fraudulent accounts and credit inquiries from my credit report Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I am filing a complaint against XXXX  for failing to conduct a proper reinvestigation and for failing to explain the method they used to verify an account from Midland Credit Management ( Account Ending : XXXX ). 

I disputed this account multiple times because it contains inaccurate and unverifiable information. XXXX  responded that the account remains and meets FCRA requirements, but did not provide : What documentation Midland provided The procedure XXXX  used to verify the account Who verified the information What records were reviewed How accuracy was determined Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), I have the right to request a Method of Verification, and XXXX  is required to provide a detailed description of how they verified the account. They have failed to provide this. 

Under FCRA 1681e ( b ), XXXX  must ensure maximum possible accuracy of the information reported. This account contains incorrect dates, inconsistent reporting, and incomplete verification across all three credit bureaus. 

Under FCRA 611 ( a ) ( 5 ), any information that can not be fully verified must be deleted. Midland has not provided complete documentation, original records, or validation supporting the accuracy of this account. 

I simply want XXXX  to comply with the FCRA, provide the legally required Method of Verification, and remove the Midland Credit Management account if it can not be fully verified with original documentation. 

I request that the CFPB require XXXX  and Midland Credit Management to : Provide the full Method of Verification Provide copies of all documents used to verify the account Delete the account if they can not validate it with original, complete records Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

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 -- -- Opened : XX/XX/XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX -- -- Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: FL

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 -- -- Opened : XX/XX/XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX -- -- Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, th ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. 

MIDLAND CREDIT MANAGEM XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-12-04 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 am submitting this complaint to the Consumer Financial Protection Bureau regarding the inaccurate and inconsistent reporting of my XXXX  XXXX account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ) across Experian, Equifax, and TransUnion. Although this account reflects a {$0.00} balance and was resolved in good faith, each bureau is displaying payment histories that do not match the true handling of the account or the timeline of its completion, and these errors remain uncorrected despite the protections afforded to me under the Fair Credit Reporting Act. Experian lists the account as opened on XX/XX/XXXX with a last active date of XX/XX/XXXX, but reports 30-day, 60-day, and 90-day lates for XXXX, XXXX, and XX/XX/XXXX even though the account had been properly managed and settled. Equifax shows the same account with a {$0.00} balance, opened on XX/XX/XXXX and last active on XX/XX/XXXX, yet is reporting a 30-day late for XX/XX/XXXX and a 60-day late for XX/XX/XXXX, which contradicts the actual resolution of the account earlier in the year. TransUnion reports the account as opened on XX/XX/XXXX with a last active date of XX/XX/XXXX but also lists 30-day, 60-day, and 90-day late notations for XXXX, XXXX, and XX/XX/XXXX, even though my records and communication with the creditor make it clear the account had already been fully addressed and brought to a XXXX balance by that time. I have tried to resolve these inaccuracies by disputing them directly with the credit bureaus, as permitted under FCRA 611, and I understand that furnishers also have obligations under FCRA 623 ( a ) ( 2 ) to correct and update information and under FCRA 623 ( b ) to conduct proper investigations when notified of disputes. These continued discrepancies across all three bureaus contradict Congresss intent in FCRA 602 to maintain accurate and fair credit reporting, and even 15 U.S. Code 1666 reinforces the expectation that errors related to credit information must be corrected promptly once identified. Because I handled this account responsibly, paid it as agreed, and ensured it was resolved in good faith, the reporting now being displayed is not reflective of the true manner in which the account was completed. These errors have persisted across all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: PA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding the inaccurate and inconsistent reporting of my XXXX  XXXX account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ) across Experian, Equifax, and TransUnion. Although this account reflects a {$0.00} balance and was resolved in good faith, each bureau is displaying payment histories that do not match the true handling of the account or the timeline of its completion, and these errors remain uncorrected despite the protections afforded to me under the Fair Credit Reporting Act. Experian lists the account as opened on XX/XX/XXXX with a last active date of XX/XX/XXXX, but reports 30-day, 60-day, and 90-day lates for XXXX, XXXX, and XX/XX/XXXX even though the account had been properly managed and settled. Equifax shows the same account with a {$0.00} balance, opened on XX/XX/XXXX and last active on XX/XX/XXXX, yet is reporting a 30-day late for XX/XX/XXXX and a 60-day late for XX/XX/XXXX, which contradicts the actual resolution of the account earlier in the year. TransUnion reports the account as opened on XX/XX/XXXX with a last active date of XX/XX/XXXX but also lists 30-day, 60-day, and 90-day late notations for XXXX, XXXX, and XX/XX/XXXX, even though my records and communication with the creditor make it clear the account had already been fully addressed and brought to a XXXX balance by that time. I have tried to resolve these inaccuracies by disputing them directly with the credit bureaus, as permitted under FCRA 611, and I understand that furnishers also have obligations under FCRA 623 ( a ) ( 2 ) to correct and update information and under FCRA 623 ( b ) to conduct proper investigations when notified of disputes. These continued discrepancies across all three bureaus contradict Congresss intent in FCRA 602 to maintain accurate and fair credit reporting, and even 15 U.S. Code 1666 reinforces the expectation that errors related to credit information must be corrected promptly once identified. Because I handled this account responsibly, paid it as agreed, and ensured it was resolved in good faith, the reporting now being displayed is not reflective of the true manner in which the account was completed. These errors have persisted across all three bureaus.

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 2025-12-04 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: SC

Complaint narrative:
I am submitting this follow-up complaint regarding my credit reports from Experian, Equifax, and TransUnion, which continue to contain inaccurate, inconsistent, and unverified information despite my attempts to correct these errors under my rights granted by the Fair Credit Reporting Act ( FCRA ). My reports list an addresses, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX where I have never lived, used, or authorized, indicating a mixed file or identity error in violation of FCRA 605 ( a ). Multiple charge-off accounts are reported inaccurately or inconsistently, including XXXX XXXX XXXX XXXX ) with a {$1200.00} balance missing from Experian and XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : $ XXXXnot reported in TU, XXXX  ( XXXX ) with a {$280.00} balance missing from Experian and Equifax, violating the furnishers duty under FCRA 623 ( a ) ( 5 ). Additionally, my reports contain unvalidated or questionable collection accounts, including XXXX XXXX XXXX XXXX XXXX Bank, XXXX ) {$1600.00} XXXX  XXXX XXXX XXXX XXXX Bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} * *, and XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, XXXX ) {$2400.00} * *, none of which have provided proper verification as required under FCRA 623 ( a ) and 607 ( b ). Furthermore, my credit reports show multiple unauthorized hard inquiries, including XXXX XXXX XXXX  ( XX/XX/XXXX and XX/XX/XXXX ), XXXXXXXX  ( XX/XX/XXXX ), XXXX  XXXX Bank XXXX XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX  XX/XX/XXXXXXXX XXXX, all of which violate FCRA 604 ( a ) ( 3 ) regarding permissible purpose. These cumulative errors collectively create a misleading, damaging, and legally non-compliant representation of my credit history, and I request that the CFPB intervene to ensure proper investigation, correction, and verification of all inaccurate information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AR

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 response to consumer: Closed with explanation