vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: MS

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
My credit report shows incorrect personal information, and because of that, accounts Ive never seen beforecompletely unrelated to meare showing up. Ive been a victim of identity theft, and my information was used without my consent. I followed protocol, filed an FTC identity theft report as directed by Experian, and submitted all necessary documents, but these fraudulent items still haven't been removed. Its unacceptable that this is still impacting my 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 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not authorize this inquiry, and there is absolutely no legitimate or permissible purpose for it to have been made. I never gave consent, never applied for anything from this company, and had no interaction with them that would justify pulling my 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 non-monetary relief
Consumer complaint received 2025-05-13 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: COMMUNITY REINVESTMENT FUND
State: IL

Complaint narrative:
A fraudulent business loan was taken out under my name and business XXXX  XXXX XXXX  and XXXX XXXX XXXX from XXXX XXXX XXXX XXXX after speaking with XXXX XXXX he stated if I filed a FTC Identity Theft Claim, File a Police Report, fill out the Affidavit of Dispute Form provided by him and come into the office to give a sworn statement about the theft the loan will be removed from my credit reports that's being reported by Community Reinvestment Fund. XXXX needs to remove this account immediately because their also in violation of reporting a fraudulent loan on my credit along with a illegal late payment 15 US166B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MS

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-13 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: TN

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


DEPT OF EDUCATIONXXXX # XXXXXXXX XXXX  Opened : XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX Opened : XX/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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


DEPT OF EDUCATIONXXXX # XXXXXXXX XXXX  Opened : XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX Opened : XX/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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint as a victim of identity theft. After reviewing my credit reports with XXXX  Equifax, and XXXX, I have identified multiple unauthorized accounts and hard inquiries that I never applied for, nor consented to. These entries are false, damaging to my reputation, and in direct violation of federal consumer protection laws. 

This is a direct request for your agency to enforce my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ) to compel the credit reporting agencies and furnishers to delete these items from my credit profile. I have enclosed supporting documentation including a government-issued photo ID, utility bill verifying my current address, and screenshots of the unauthorized accounts and inquiries. 



Fraudulent Collection 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 XXXXXX/XX/XXXX These accounts are being reported across multiple bureaus, despite the fact that I did not authorize or open them. 



Unauthorized Hard Inquiries ( 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 via Dealer These inquiries are impacting my credit score and are in direct violation of my consumer rights under FCRA if not initiated by me. 



Applicable Laws and Violations : Fair Credit Reporting Act ( FCRA ) : 1681c-2 : Information resulting from identity theft must be blocked and removed.

1681g : I have the right to a full and complete file disclosure.

1681i : Furnishers and CRAs must reinvestigate disputed data within 30 days.

1681s-2 : A furnisher may not knowingly report false or fraudulent data.

Fair Debt Collection Practices Act ( FDCPA ) : Debt collectors may not attempt to collect on fraudulent debts or continue to report them after receiving notice of identity theft.

FACTA ( Fair and Accurate Credit Transactions Act ) : I have the right to request fraud alerts and blocks of identity theft-related data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Unverified Information on Credit Report I am writing to formally dispute inaccurate and unverified information currently appearing on my credit report with your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and integrity of the information you report. However, the following item ( s ) appear to be inaccurate and have not been properly verified despite previous disputes : Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX I request that you immediately investigate this matter and provide a detailed report of how this information was verified. If the account ( s ) can not be verified, I demand that you remove them from my credit file promptly, as required by law. Please be aware that credit reporting agencies are currently facing legal scrutiny for failing to thoroughly verify disputed items. This serves as notice that I am prepared to take further action if necessary, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and pursuing legal remedies if this issue is not corrected within the timeframe provided by law.

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 2025-05-13 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: TX

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


XXXX - XX/XX/XXXX - {$0.00XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$250.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$4000.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


XXXX - XX/XX/XXXX - {$0.00XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$250.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$4000.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2025-05-13 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: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
The current mortgage provider is Lakeview. 
They took over my mortgage from XXXX XXXXXXXX XXXX 
Had accepted split payments, every two weeks, which aligned with my paydays. No late payments. 

Lakeview 's mortgage, I saw an increase of my mortgage payment of approximately {$100.00}. 
I did not sign any additional documents agreeing to an increase to my payment. 
Lakeview had allowed the split payments for the first four payments. No notification of policy change, no email, no mail, just when I attempted to make my first half of the mortgage payment, " no we changed policies and no longer accept split payment ''. 

So when this policy changed, I was caught off guard. I try to manage my funds so I can pay mortgage on time. Even have a checking account just for the mortgage payment to keep funds separate. I believe I ended short one month and had to pay the mortgage within 45 days.

Of course this caused a domino affect for about 2 months and I had to pay within 30 days, another 3 payment.

But from what my payment history indicates all of these " late payments '' are noted as " late payments ''. I believe that I have only 1 late ( past the 30 day window ) and the rest are within the 30 days window.

But now my credit score has taken a punch to the face.

I have had the unfortunate experience of them reporting to credit bureaus that have several late payments. When in actuality, I was within the 30 day window from the first of the month. 

Requested this oversight be verified and corrected. But no cooperation from Lakeview.

I might be biased, but its like they are trying to damage my credit score, so I can not refinance the mortgage.

From my mortgage payment history I can only fine one that was actually past 30 days. 
due XXXX of the month, 15 days grace period, 15 days after grace period.

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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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