vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
b"I was divorce in XXXX  and the home that me and my ex-husband sheared was awarded to me. I am on the deed; but is not on the loan. I have made several attempts over the years to get information on the payments as to why the payment has gone up and also escrow information. Sometimes I call in to make payment and have been told I cannot make a payment without my ex-husband authorization which he is not cooperative most of the times. I have submitted a copy of the deed and also a copy of the divorce decree 4 times and still I am unable to get any information. in XXXX XXXX XXXX XXXX I realized that my ex-husband was not making payments as part of the child support and the payments was 3 months behind. I call the mortgage company to try and catch up on the payments, and they would not help me or provide the amount I need to pay to catch up. I was told by the person I was speaking with that I can just tell them the amount I can pay, and she will let me know if that is enough or not, but she cannot tell me the amount I will need to pay without speaking to my ex-husband first. I mention to the person I was speaking with that I have the right to know the amount I need to pay because I am on the deed and have liable interest in the property and was told I have no right to obtain information to make payments. She stated I can send whatever information I have for the company to review, and the company will get back to me. I told I have sent in my divorce papers and a copy of the deed several times and every time I call back, I am told they don't have the information I sent in to them. I called back again XXXX because the mortgage payment went up XXXX to see why. I was told the same thing again and for me to send in my divorce papers. I was provided an email address that I emailed my paperwork to on XXXX and I am still unable to get any answer. I recently got another letter stating that the mortgage payment has increase over XXXX that will now make it over XXXX increase in the past year and a half. I am in need of help to manage the mortgage payment and get answers to know what options I have.\nMortgage company is Lakeview also I guess go my XXXX XXXX phone number 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 2025-12-09 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:
Dear Sir/Madam, I am writing to dispute the following information that appears on my credit report. These accounts are inaccurate or incomplete and need to be reviewed for corrections or removal in compliance with the Fair Credit Reporting Act. The details of the disputed accounts are as follows : Charged Off Accounts : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX 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

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 2025-12-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
On XX/XX/year>, I made a one-time manual payment of {$1100.00} to GM Financial for my auto loan. I never enrolled in XXXX or authorized any other withdrawals. However, on XX/XX/year>, GM Financial withdrew {$2200.00} from my account without my consent. 

I contacted GM Financial and requested proof of authorization for the withdrawal. They could not provide any proof, whether a signed agreement or a recorded authorization. Instead, they opened an internal investigation. My bank, XXXX, determined the withdrawal was unauthorized and refunded the amount within hours. Several days later, GM Financial also acknowledged the error and offered a refund, but the harm was already done. 

As a XXXX XXXX XXXX XXXX, this unauthorized withdrawal caused significant financial and emotional distress, disrupting my ability to pay rent and other essential expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: MD

Complaint narrative:
I am writing to dispute certain inquiries that have been reported inaccurately on my credit report. Below, I have listed the inquiries in question by each credit bureau, along with their respective details. 

Experian ( XXXX ) : XXXXXXXX XXXX - Date : XX/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 2025-12-09 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: MN

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX XXXX TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), TransUnion paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : === CHARGE OFF === 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-09 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: NY

Complaint narrative:
I am writing this complaint with absolute certainty and extreme frustration. There are multiple errors on my credit report that I can no longer ignore, as they have been negatively impacting my life and harming my credit score. These inaccuracies are preventing me from achieving financial freedom and stability, and the ongoing issues have become overwhelming and unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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 writing to dispute the following information on my credit report. Please review and investigate the items listed below. I request that any inaccurate information be corrected or removed from my report as required by the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
On XX/XX/year> I filed a claim in regards to a not receiving goods a payment was sent for and fraudulent activity. My XXXX XXXX XXXX son was scammed on XXXX by an adult man ( which I showed proof ) telling him to send payments for XXXX XXXX XXXX in game later to block him I reached out from my XXXX account and he tried to scam me with a game that doesnt exist promising to deliver XXXX XXXX XXXX ( sofi has this proof ) my son phone has face recognition for him, myself and his father. He does has access to funds so he can purchase things he wants with allowance if he needs something I send directly to the account. I didnt know anything was wrong until I received and text message on the XXXX of XXXX asking if I approved the payment I automatically said yes not thinking but after asking my son not even XXXX sec later I said NO TWICE thinking they received it I checked and there was more payments after the fact. I called sofi Saturday morning to tell them this was fraudulent because my son was blocked and never received anything. They started the dispute 7 buisness days later I receive an email stating they denied because they sent the text about if it was authorized and the XXXX XXXX  along with deposits. Which again we all have access to the phone with XXXX XXXX and I send him money often. Which shouldnt matter because these charges that equaled XXXX was indeed fraudulent. I asked to appeal after I did my own investigation finding the dude just for him to try to scam me. I appealed and sent that information XXXX and today XXXX XXXX they denied officially making it surely impossible for them to do the correct investigation where this scam happened over multiple streams on websites. I dont feel like things where done correctly and the lack of assistance from the very first call showed no true effort in wanting to assist or protect there customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-09 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: GA

Complaint narrative:
I am writing as a consumer to dispute several inaccuracies on my Experian credit report. I am requesting that these accounts be reviewed and corrected as they are negatively affecting my credit profile. 

XXXX. Charged-Off Accounts : The following accounts are reported as charged-off, but I believe the information may be inaccurate or incomplete : XXXX, Account # XXXX XXXX, Date : XX/XX/XXXX, Amount : {$3400.00} XXXX XXXX  XXXX, Account XXXX XXXX XXXX, Date : XX/XX/XXXX, Amount : {$950.00} Action Requested : Please verify the accuracy of these accounts and remove or correct any inaccurate information. 

XXXX. Inquiries : The following inquiries appear on my report and I am disputing their validity : XXXX  XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Action Requested : Investigate these inquiries and remove any that were unauthorized or incorrectly reported. 

XXXX. Late Payments : Several accounts are reported with late payments, which I dispute : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, Account # : XXXX XXXX XXXX XXXX, Account # : XXXX XXXX XXXX, Account # : XXXX XXXX, Account # : XXXX XXXX XXXX  XXXX XXXX, Account # : XXXX XXXX XXXX, Account # : 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 2025-12-09 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: GA

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
EXPERIAN ( EX ) A. Incorrect Previous Addresses I am disputing the following address reported by Experian as it is inaccurate and does not belong to me : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX I am requesting removal of this address from my Experian credit file because I have never lived at this address, and its presence suggests a possible mixed file or reporting error. 

B. Incorrect Previous Names Experian is not currently reporting previous names. I am confirming that no previous names should be listed, and if any exist internally, I request they be removed. 

C. Charged-Off Accounts Reporting Incorrectly I am disputing the following charged-off accounts as inaccurate, unverifiable, and not reporting consistent data across bureaus : XXXX  Account XXXX XXXX XXXX  Reported Date : XX/XX/XXXX Balance XXXX XXXX XXXX XXXX  This account is reporting inconsistently across credit bureaus. 

I request a full investigation and removal if the furnisher can not validate accurate reporting. 

XXXX XXXX Account XXXXXXXX XXXX XXXX  Reported Date : XX/XX/XXXX Balance : {$12000.00} * * I do not recognize this account. 

I request full validation. If this information can not be verified, it must be deleted. 

XXXX XXXX Inquiry to Dispute I am disputing the following inquiry as unauthorized : XXXX XXXX XX/XX/XXXX I did not authorize this inquiry and request its removal.

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 2025-12-09 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: CA

Complaint narrative:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my FICO score, causing difficulties in maintaining my financial stability. 

I am urgently seeking your assistance in resolving this matter, particularly as I am preparing to apply for a loan that requires a strong FICO score for eligibility. Your prompt attention to this issue would be greatly appreciated and would allow me to proceed with my financial plans without further detriment. 

Thank you for your support and cooperation in correcting these inaccuracies.

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 2025-12-09 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: FL

Complaint narrative:
I am submitting this complaint legitimately and demand immediate attention. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my life. I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. Resolving this issue is critical.

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 2025-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
I have a garnishment from credit management services and its have been having payments regularly pulled from my account. As of XXXX XXXX which is my employers payroll stated a remains balance of XXXX XXXX XXXX was pulled from my account onXXXX. When i called today XXXX to get the release so I can get medical contacts from XXXX XXXX XXXX they stated I owed an additional intrest amount of XXXX XXXX dollars and I had asked why this was not in the balance originally they did not answer and could not clarify. Also they did not state if they would be pulling this or not from the next check but that if its not paid it would accrue more interest. My problem is why did they not report this remains balance to XXXX  and had I not called and they didnt pull from my check as they had failed to do so before that its unfair to not make me aware of this balance. Thier own representative stated that if it doesn't pull and i dont pay it could accrue more which I believe if someone else was in this situation they could abuse the interest to gain more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: MD

Complaint narrative:
I am a consumer in the process of repairing my credit and I am submitting this dispute regarding inaccurate information that is currently listed on my credit report. Below, you will find a list of the accounts in dispute separated by credit bureau. I kindly request that you investigate the accuracy of these accounts, as they contain discrepancies that I believe to be in violation of the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$480.00} UNAUTHORIZED COLLECTION Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$240.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Inquiries : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
I claim no affiliation with these accounts ; removal is required within 15 days as mandated by USC 1681g.

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