vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Lien release
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH

Complaint narrative:
I am the trustee of a trust known as XXXX XXXX XXXX XXXX, I am solely acting in my fiduciary capacity on behalf of the named beneficiaries. The trust holds legal title to a property located at XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

A lien has been recorded against this property, which I believe is unjust and improperly encumbers the trusts asset. Proper notice disputing the lien and requesting validation has been provided to the lienholder, but no resolution has been achieved. Lakeview Loan Servicing failed to respond within the required timeframe. No explanation, confirmation, or action was provided, and the lien remains improperly recorded against referenced property. This failure to act after notice constitutes a violation of federal mortgage servicing standards. 


This lien is interfering with the trusts ability to manage or transfer the property, and may have resulted from improper practices by the lienholder related to mortgage servicing by Lakeview Loan servicing LLC. 

I am requesting CFPB review and assistance to investigate whether the lienholders conduct violates any applicable consumer protection laws under the CFPBs jurisdiction, particularly in connection with unfair, deceptive, or abusive acts or practices ( UDAAP ). 

I am happy to provide documentation showing the trusts ownership of the property, the notice provided

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 2025-10-21 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: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in 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 non-monetary relief
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-21 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: Regional Management Corporation
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account Name : XXXX XXXX XXXX  Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/year> XXXX Account # XXXX was scammed. Trades stock options were initiated without me knowing about it. On top of that my account was switched from a cash account to a margin account. Trades from glts chart industries were made up in XXXX XXXX XXXXXXXX representatives were aware of the transaction made in XXXX XXXX. They failed to reimburse the over {$10000.00} from my account. All they did was put a restriction on my account to later open without providing any information from there review. I'm seeking {$10000.00} of the money that was taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute the following account that appears on my credit report. This account is reporting inaccurately as it does not belong to me. I have never opened this account, nor have I guaranteed or been responsible for this debt. 

I require the complete deletion of this erroneous account from my credit file immediately, as it is demonstrably the result of an error or identity theft and does not reflect an obligation of mine. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any inaccuracies in their credit reports. Specifically, Section 609 ( a ) ( 1 ) provides consumers the right to request the identification of any information on their credit report that they believe is incorrect. Additionally, Section 623 ( a ) ( 1 ) mandates that furnishers of information, such as XXXX, must ensure the accuracy and integrity of the information reported. Since I did not authorize the opening of or any transactions on this account, it can not be deemed accurate. 

Furthermore, as this account appears to have been opened in the name of a person other than myself, I am requesting immediate action to have it removed from my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Since 2023, a bankruptcy has been listed on my TransUnion credit report, which I believe is inaccurate. I have attempted to use XXXX to have this corrected and have contacted the reporting company multiple times over this period, but no changes have been made. I am requesting that the companies involved update or remove the inaccurate bankruptcy information from my credit 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 non-monetary relief
Consumer complaint received 2025-10-21 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-21 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-21 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
Greetings, I am seeking the removal of the subsequent late payment from my credit report. I am composing this letter to request the following. This is a matter of invoicing error. I was never late with respect to this payment. I have never failed to make a payment, as my account is configured to process payments automatically. Would you be able to update the status to " never late '' The necessary documents are attached to this correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Greetings, I am seeking the removal of the subsequent late payment from my credit report. I am composing this letter to request the following. This is a matter of invoicing error. I was never late with respect to this payment. I have never failed to make a payment, as my account is configured to process payments automatically. Would you be able to update the status to " never late '' The necessary documents are attached to this correspondence.

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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : PORTFOLIO RECOV ASSOC Please be advised that Im exercising my rights as described by the Fair Credit Reporting Act in Section 609. I am requesting information about the following items on my credit report. 

PORTFOLIO RECOV ASSOC XXXX Please provide me with copies of the original sources for the items reported. That includes contracts or service agreements I signed. 

If this information is not available, please note that the validity of these items can not be determined. Please remove them from my credit history. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I am filing a complaint against Bank of America for failing to refund fraudulent charges to my account ending in [ XXXX ], despite my providing documentation proving identity theft and a personal data breach. 

I submitted the dispute in good faith and included : Evidence of a confirmed data breach that exposed my personal and financial information Documentation supporting identity theft A formal written request asking Bank of America to investigate and provide documentation proving how they concluded the charges were authorized Despite this, Bank of America denied my fraud claim and has refused to provide any of the following : Proof of authorization ( e.g., my signature or billing address tied to the transactions ) A written explanation or transaction breakdown Details of the merchants or the location of each charge I did not authorize these charges and did not give permission to any other individual to use my card or account. This appears to be a violation of my rights under the Electronic Fund Transfer Act ( EFTA ).

I am requesting : A full reinvestigation of the fraud case A full refund for the unauthorized transactions A written explanation of how the charges were determined to be authorized Please help resolve this issue. I have exhausted the internal process with the bank and have received no justifiable response. 

Thank you.

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 monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Huntington Bank closed my checking account and placed it into a negative balance after a XXXX payment I received was disputed. The payments in question were two legitimate personal XXXX transfers from an individual who paid me. 

These transactions were completely legitimate and authorized. The sender specifically asked me to request the money through XXXX, and I have text message screenshots showing her phone number and our conversation confirming both payments and their purpose. 

Before the transfer completed, the sender even sent me a screenshot from her own XXXX screen showing the payment pending in her account, proving she personally initiated and approved the payment. 

Additionally, the sender never contacted me to request a refund or raise any issue with the payments even though she has my phone number and had been communicating with me directly. Instead, she disputed the payments, which caused Huntington to reverse the funds and close my account. 

Despite all of this, Huntington Bank did not perform any investigation or contact me for verification before marking the transactions as fraudulent. I was not given any notice, chance to provide documentation, or opportunity to appeal. 

When I contacted Huntington to ask why my account was closed, I was told only that the bank no longer wants to maintain a banking relationship with me. I was not provided a specific reason or any written explanation.

What I believe Huntington Bank did wrong : Failed to conduct a fair and timely investigation as required by Regulation E ( Electronic Fund Transfer Act ) for disputed electronic transfers.

Closed my account and reversed funds without confirming the legitimacy of the transactions or contacting me for evidence.

Mischaracterized a legitimate personal payment as fraudulent.

Provided no clear explanation or written notice regarding the account closure.

Potentially engaged in unfair or deceptive practices by closing my account arbitrarily and harming my financial record. 

What I am requesting : A full and formal investigation into both disputed XXXX payments. 
Correction of my account balance and reversal of any negative reporting to ChexSystems or credit bureaus. 
A written explanation from Huntington Bank detailing why my account was closed and how this decision was reached. 
Confirmation of steps taken to correct any resulting harm. 

Supporting information I can provide : Screenshots of text messages between me and the sender confirming both payments and her instruction for me to request the money. 
A screenshot from the sender showing the XXXX payment pending on her screen. 
Transaction records for both XXXX transfers ( dates, amounts, and sender information ). 
Any communication from Huntington about the account closure or reversals

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
This problem is seriously affecting my peace of mind and sleep. Considering my reliable payment history, I kindly urge you to update my account without delay to relieve this stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
I sent XXXX XXXX XXXX a certified debt validation letter on XX/XX/year>, disputing a {$55.00} account they reported for XXXX XXXX XXXX XXXX. XXXX records confirm delivery on XX/XX/year>, but XXXX never responded or provided any verification as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Despite failing to validate the debt, CCS continues to report this account to Equifax, which violates both the FDCPA and FCRA. I am requesting immediate removal of this account from all credit reports and written confirmation that collection activity will cease.

Attached are my validation letter and USPS proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

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 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