vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Kashia Services
State: IL

Complaint narrative:
I am filing a formal complaint against Blue Mountain Loans for predatory lending practices and potential violations of Illinois law. Below is a detailed account of my experience and concerns. 

Loan Details : Loan Issued : XX/XX/scrub> 2024 Loan Amount : {$600.00} Interest Rate : 492.05 % APR Scheduled Payments : 20 biweekly payments of {$120.00} Deferred Payment : One deferred payment on XX/XX/year>2024

Total Paid to Date : {$1300.00} Issues with Blue Mountain Loans : 1. Unlawful Interest Rate The Predatory Loan Prevention Act ( PLPA ) in Illinois caps interest rates at 36 % APR for all consumer loans. My loan carries an egregious 492.05 % APR, far exceeding legal limits. 2. Balance Not Decreasing as Expected Despite making consistent biweekly payments, my loan
balance did not decrease for months after a single deferred payment in XX/XX/year>2024. Each time I

called, the company gave confusing or contradictory explanations as to why my payments were not being applied to the principal. 3. Misleading Loan Terms & Lack of Transparency Blue Mountain Loans failed to provide updated documentation reflecting changes after my deferred payment. I repeatedly asked for a clear breakdown, but their representatives only referred to a general payment schedule without explaining why my balance remained stagnant. 4. Emotional Distress & Predatory Practices The stress of making regular payments without seeing progress has caused significant emotional distress. The company initially offered to settle my loan for the amount I already paid but then threatened to report the remaining balance to credit bureaus. 5. Potential Violation of Illinois Law Blue Mountain Loans operates as a tribal lender, which they may argue exempts them from state regulations. However, Illinois courts have ruled that lenders doing business in the state must comply with Illinois lending laws, regardless of tribal affiliation. Resolution Requested : Immediate investigation into Blue Mountain Loans lending practices. Determination of whether their loans violate the Illinois Predatory Loan Prevention Act. Legal recourse to potentially void the remaining balance of my loan. Enforcement actions, including fines or penalties, to prevent further predatory lending. I appreciate your time in reviewing this complaint. Please let me know if any further documentation is needed. I am prepared to provide payment records, call logs, and any other evidence necessary to support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: AZ

Complaint narrative:
My personal information was exposed in a data breach. The accounts listed do not belong to me. 

XXXX XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$21000.00}, opened : XX/XX/XXXX ( Student loan late payment ) XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$21000.00} , opened : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bal- {$3000.00}, opened : XX/XX/XXXX XXXX XXXX XXXX, Bal- {$1200.00}, opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bal- {$590.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, Bal- {$1200.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, Bal- {$710.00}, opened XXXX XXXX XXXX, XXXX XXXX & XXXX, Bal- {$2400.00}, Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$550.00}, opened : XX/XX/XXXX XXXX XXXX - XXXX, Bal- {$740.00}, Bal- {$740.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX, Bal- {$1700.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, Bal- {$0.00}, opened : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$1300.00}, opened : 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX Social Security XXXX XXXX, a resident XXXX XXXX, XXXX XXXX TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-03-21 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:
I recently reviewed my credit report and noticed that an account was not being reported accurately. There have been several late payments on an account that were, in fact, paid on time. Credit reporting agencies must report all information with absolute accuracy. This account has had no late payments. I have attached a copy of my report to support this claim, including the following dates : ( XX/XX/year>, XX/XX/year> and XX/XX/year> ). I request that you investigate this account and update these payments to reflect them as paid on time immediately. I appreciate your understanding and prompt action

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 2025-03-21 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:
I recently reviewed my credit report and noticed that an account was not being reported accurately. There have been several late payments on an account that were, in fact, paid on time. Credit reporting agencies must report all information with absolute accuracy. This account has had no late payments. I have attached a copy of my report to support this claim, including the following dates : ( XX/XX/year>, XX/XX/year> and XX/XX/year> ). I request that you investigate this account and update these payments to reflect them as paid on time immediately. I appreciate your understanding and prompt action

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 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I applied for the SAVE plan in XX/XX/year> and was told that my account would be in forbearance but would still accrue interest. I reached out to Aidvantage to make sure this was the case and they said yes, my account would accrue interest. In XXXX I was informed that those who applied to the SAVE plan should not have interest accrued on their account. I again reached out and was then told via chat that I was correct and interest should not have accrued. She said she'd correct it so that interest stopped, but that she'd have to get a different department to remove interest that had accrued. She said it would take awhile. My account is still reflecting the interest that was accrued that should not have been. It went from $ XXXX to $ XXXX and that is still the amount shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple fraudulent accounts that have appeared on my credit report under my name, XXXX XXXX XXXX. I did not open these accounts, nor did I authorize anyone else to do so on my behalf. These accounts were established without my consent and are the result of identity theft or unauthorized activity.

Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the legal right to dispute and request the removal of any inaccurate or fraudulent information on my credit report. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute incomplete or inaccurate information and requires the credit bureau to investigate my claim within 30 days.

FCRA 605B ( 15 U.S.C. 1681c-2 ) states that when an account is reported as resulting from identity theft, the credit reporting agencies must block the fraudulent information within four business days.

CFPB protections reinforce my right to accurate reporting and require credit bureaus to act in my best interest when investigating fraudulent activity.

I demand that these fraudulent accounts be investigated immediately and permanently removed from my credit report. Additionally, I request that you send me a copy of the investigation results, an updated version of my credit report reflecting these corrections, and a letter confirming the deletion of the disputed accounts.

To support my claim, I have attached the following : A copy of my government-issued ID A completed FTC Identity Theft Report Failure to remove these fraudulent accounts will be a violation of my consumer rights under federal law, and I will not hesitate to escalate this matter to the CFPB or pursue legal action if necessary.

Please confirm receipt of this dispute and respond in writing within the legally mandated timeframe. You may contact me at XXXX XXXX, if you require any further information. 

Sincerely, 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 2025-03-21 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 sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
i am disputing a collection account that appears to be the result of fraud and identity theft. This account was transferred without my consent, violating my rights under 15 USC 6802 of the GLBA, which requires that I receive full disclosure before any transfer or sharing of my private information. The original creditor failed to provide this disclosure, and i did not authorize this debt or the collection agency 's handling of my information. I have filed an identity theft report with the FTC, revoked any consent to process, use or share my private information, and requested immediate deletion of this fraudulent account from my credit file. Furthermore, i am requesting that this account be removed within 4 business days under 15 USC 1681s-2 ( 6 ) ( B ), as its continued reporting suggests an attempt to extort payment for a debt that i do not owe, violating the FDCPA. The collection agency has failed to provide verification that they are legally authorized to collect this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
I've noticed that my credit report contains incorrect personal information, which has led to an unknown and inaccurate account appearing under my name. I am a victim of identity theft, and my information was used without my consent. As a result, a fraudulent item is now showing on my report, one that I have no connection to. Following the proper steps, I filed a report with the Federal Trade Commission ( FTC ) as advised by Equifax. Despite submitting the report, this fraudulent item remains on my credit report. This is extremely concerning and continues to cause me distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-03-22 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-21 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:
A XXXX XXXX account appears on my Equifax credit report that I did not open. This account is fraudulent and the result of identity theft. I have never applied for or authorized any account with XXXX XXXX. 

I took immediate action by filing an Identity Theft Report with the Federal Trade Commission ( FTC ), and I submitted a formal dispute to Equifax. Along with my dispute, I provided the FTC report, a copy of my government-issued ID, and proof of my current address. 

Despite submitting all required documentation under the Fair Credit Reporting Act ( FCRA ), Equifax has not yet removed the fraudulent account from my report. 

I am requesting the CFPBs assistance to ensure Equifax complies with federal law by blocking and removing fraudulent information from my credit file once an Identity Theft Report is submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-21 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: KS

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: KS

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-21 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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