vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: DC

Complaint narrative:
Formal Complaint Against XXXX  Forbearance Dispute Dear CFPB Representative, I am writing to formally dispute XXXX  handling of my mortgage forbearance request and subsequent account status. 

Due to a reduction in force, I lost my job on XX/XX/XXXX. As a result, I requested a forbearance in XX/XX/XXXX, which XXXX granted on XX/XX/XXXX, for a three-month period ( XXXX XXXX ) at a payment of {$0.00} per month. Based on this agreement, my next scheduled payment should have been due in XX/XX/XXXX. 


However, XXXX now claims that my account is in default, alleging that I owe a payment for XX/XX/XXXX, despite the forbearance agreement. I formally disputed this claim on XX/XX/XXXX, and provided supporting documentation to XXXX. 


Recently, XXXX mailed me a packet containing a letter contradicting the initial forbearance terms, stating that my understanding of the agreement was inaccurate. This sudden change in position is misleading and inconsistent with the original agreement. 


Although still unemployed and actively seeking work, I made a voluntary payment on XX/XX/XXXX, ahead of the proposed end of the forbearance period, as well as a payment in XX/XX/XXXX. Despite this, XXXX continues to insist that I am delinquent, further exacerbating my financial hardship. 


I believe XXXX handling of my forbearance request and account status constitutes unfair and deceptive practices, including : 1. Providing conflicting information about my forbearance terms.

2. Falsely reporting my account as delinquent despite an active forbearance.

3. Using misleading and convoluted language in communications.

I am requesting the CFPB to investigate this matter and require XXXX to : Honor the original forbearance terms as agreed upon in XX/XX/XXXX. 


1. Correct my account status to reflect the agreed-upon forbearance period.

2. Cease any delinquency reporting related to this issue.

3. Provide clear and consistent communication regarding my mortgage status. 


I will attach copies of the relevant correspondence, my forbearance approval, payment records, and dispute letter for reference.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
{ I SENT THIS LETTER TO the debt collector as I HAVE NEVER ENTERED INTO AN AGREEMENT OR CONTRACT WITH THE COMPANY BELOW. } Dear Portfolio Recovery Associates, This letter is sent in response to : ( 2 ) listings on my XXXX, XXXX, and XXXX Credit Report : Account # XXXX for {$780.00} Account # XXXX for {$630.00} Be advised this is NOT a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. Under these rules, verification requires all of the following : Proof of my agreement to pay the original creditor. 
A copy of the final account statement issued by the original creditor. 
A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of The Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information during which time all collection activity must cease and desist. Also, during this validation period, If any action is taken, which can be considered detrimental to any of my credit reports, I will consult my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

{ I AM DISPUTING THIS DEBT AS I HAVE HAD NO CONTACT WITH THIS COMPANY AND I HAVE NO KNOWLEDGE OF AN ACCOUNT WITH THE ABOVE PARTY }

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: KY

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

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 2025-04-02 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: NJ

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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-04-02 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I am filing this complaint regarding an account on my credit report from Consumer Adjustment Company, which allegedly originated from XXXX XXXX. I have never signed any agreement with this collection agency, nor have I received any correspondence regarding this alleged debt. My personal data was involved in XXXXXXXX XXXX data breach, and I have included my claim. 

Furthermore, after conducting research, I found that Snap XXXX has a documented history of deceptive lending and collection practices. According to a lawsuit filed against XXXX  XXXX : The company targeted low-income consumers and misrepresented one-year rent-to-own agreements as " XXXX XXXX XXXX. '' XXXX XXXX concealed balances owed and engaged in deceptive collection practices. 

They used an online portal to create and sign contracts, which enabled fraudulent signatures by retailers instead of the actual consumers. 

A settlement agreement resulted in {$7.00} XXXX in restitution payments and {$3.00} XXXX in consumer debt relief due to their unlawful practices. 

Given this information, I demand that this unverified and fraudulent debt be immediately removed from my credit report. The burden of proof lies with the creditor and collection agency to provide evidence that this debt is valid and legally enforceable.

I request the CFPB to investigate this matter and hold Consumer Adjustment Company accountable for reporting an unverified and potentially illegal debt. I expect a prompt resolution, including deletion of this account from my credit report and confirmation that no further collection actions will be taken against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
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 : 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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brown and Joseph, Ltd
State: CA

Complaint narrative:
I received a letter in the mail from the debt collector on Monday XX/XX/XXXX I called them same day on XX/XX/XXXX let them know I received in the mail saying XXXX is their client, and that I owe XXXX. I called back and asked to see the itemized invoice saying that XXXX was paid, debt collector confirmed they will get that and send to me. Debt collector would not send me itemized so I reached out to the insurance via email. On XX/XX/XXXX I emailed insurance letting them know debt collector is not providing the itemized invoice therefore reaching out to insurance. On XX/XX/XXXX insurance emailed back a PDF of a XXXX party company providing an estimate of expenses not itemized invoice. On XX/XX/XXXX I wrote back acknowledging the PDF but asking for an actual invoice to ensure I am being billed for actual repair costs rather than estimated amount. Have not hear back from insurance. 

On XX/XX/XXXX debt collector finally sent me a PDF, but it too is from a different XXXX party company providing an estimate of expenses not itemized invoice. I wrote back to debt collector telling them I already asked insurance for itemized and have not received and if they ( the debt collector ) can send itemized invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-02 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: NC

Complaint narrative:
Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: AZ

Complaint narrative:
Convienced to take larger loan, high unexpected interest. Lost employment during Covid 19 unable to repay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: ATG Credit, LLC
State: MS

Complaint narrative:
Dear ATG Credit , LLC, This response is not proper validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The Enrollment Agreement and XXXX XXXX XXXX  you provided do not constitute a contract that binds all parties, nor do they serve as legal proof that I owe this debt. 


Since ATG Credit , LLC is a third-party debt collector, you are required by law to provide proper validation of this alleged debt, which includes : 1. The original contract bearing my wet ink signature, proving my legal obligation to pay.

2. A full itemized accounting of the alleged debt, including all payments, fees, and interest calculations.

3. Proof of your legal authority to collect this debt, including an assignment agreement or purchase agreement from the original creditor. 


Violations of the FDCPA and Other Consumer Protection Laws By failing to provide proper validation, ATG Credit , LLC is in potential violation of multiple consumer protection laws, including : 15 U.S.C. 1692g ( b ) Prohibits further collection activities until proper validation is provided.
15 U.S.C. 1692e Prohibits false, deceptive, or misleading representations, including misrepresenting the legal status of a debt.

15 U.S.C. 1692f Prohibits unfair or unconscionable collection practices.

15 U.S.C. 1692j Prohibits furnishing deceptive forms that create the false belief a third party is involved. 
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 Prohibits furnishing inaccurate information to consumer reporting agencies. 
Consumer Financial Protection Bureau ( CFPB ) Regulations Requires debt collectors to provide complete and accurate information when verifying a debt. 

Demand for Deletion and Cease Collection Since ATG Credit , LLC has failed to provide proper validation, I formally demand that you delete this debt from my records immediately and provide written confirmation that you will cease all collection efforts. Additionally, I reserve the right to pursue legal action for FDCPA and FCRA violations. 
Sincerely, XXXX XXXX PLEASE SEE THE ATTACHED.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
I am raising a serious concern regarding incorrect information that has been added to my credit report. There is an account appearing under my name that I have no connection to, and it seems to be mistakenly linked to my profile. This error is damaging my credit standing and is especially concerning given my ongoing issues with fraud and identity theft. As a consumer, I have the right to an accurate credit report, yet this situation has unfairly impacted my financial reputation. This fraudulent account has already been previously deleted - but was reinserted without my knowledge, this is a blatant violation of my rights as a consumer.

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