vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NC

Complaint narrative:
I am a victim of identity theft. There are several credit cards and some loans on my XXXX reporting agencies. I never gave anyone permission or authorization to open these accounts. This is really affecting my ability to mantain a great job, also affecting my ability to provide for my family

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
Contacted the mortgage company Lakeview on XXXX to inquire about the mortgage payment increase, Spoke to XXXX first who stated the increase from {$4300.00} to {$4400.00} was due to a escrow shortage because of an increase of taxes or insurance. She claimed that correspondence was sent back in XXXX which I never received. She could no longer assist me & told me to contact my insurance company and local tax office. I contacted XXXX XXXX to be notified that my insurance actually decreased from {$2400.00} to {$2000.00}. The local tax office also stated that there was no significant tax increase to substantiate this mortgage payment increase. Ever since Lakeview took over my fixed mortgage they have increased my payment 4 times. I called them back again this evening XXXX and spoke to XXXX who continued to tell me that even with a lowered insurance and no significant tax increase that the new mortgage payment was correct, We repeatedly went over the annual payment amounts for the principal, interest, insurance, taxes stating that it should have amounted to $ XXXX but upon calculation it only amounted to $ XXXX. I was then transferred to XXXX XXXX who then agreed that the insurance decreased and the taxes didnt significantly increase but that they raised my mortgage to offset their escrow predications even though last year I authorized additional payments being taken out to account for any possible shortages. Taxes do not increase by the amounts theyre alleging annually. XXXX tried to state that my taxes increased by $ XXXX which is against the law to jump that significantly. I can not afford to make this new mortgage payment.

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 2025-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I received an email from loan servicer that I was two months behind totaling over {$1500.00}. I spoke with a customer rep and provided documentation stating I was still in forbearance and on a different repayment plan then the one they listed. The customer rep agreed with my statements and could not explain the reason for the incorrect late payments. She told me she would delete late payments and restate forbearance. I was also promise an email showing the conversation had and corrections made. Nothing has been done to correct the multiple errors with my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
To Whom It May Concern : XXXX : XXXX XXXX Ucc1-308. 

I am writing to formally dispute XXXX XXXX  attempt to assess and collect interest charges on a closed account, which constitutes unlawful, deceptive, and predatory financial conduct. 

XXXX XXXX is currently attempting to collect interest on an account that has been legally closed, and for which no new transactions or obligations have been incurred. Once an account is closed, no additional interest or finance charges may accrue, unless clearly authorized under law or a valid, ongoing agreementneither of which exists in this case. 

Your conduct violates multiple provisions of state and federal law, including but not limited to : 1. Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 Prohibits creditors from charging interest or fees on amounts that are not legally owed. 
Requires prompt and accurate correction of disputed billing errors. 
2. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. 

Requires clear and truthful disclosure of all credit terms. Charging interest on a closed account without ongoing consent is a material violation. 
3. Uniform Commercial Code ( UCC ) 1-304 Obligation of Good Faith Imposes a duty of good faith and fair dealing in performance and enforcement of every contract. Unilaterally adding interest to a closed account violates this obligation. 
4. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 2 ) ( A ) If you have assigned, sold, or transferred this debt to a third-party collector, be advised that attempting to collect amounts not legally owedsuch as post-closure interestis a violation of federal law. 
My Demands Are as Follows : Immediately cease and desist all attempts to collect interest on the closed account. 
Provide a complete account history, including closure date, transaction activity, and all interest assessments. 
Remove any inaccurate credit reporting or internal ledger entries reflecting unlawful interest. 
Provide written confirmation that this issue has been resolved and that no balance remains. 
Should you fail to comply with this dispute within 15 days, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office. I also reserve the right to initiate legal action for actual, statutory, and punitive damages under the FCRA, FDCPA, TILA, and related statutes. 

This is a legal notice. Govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-08 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MichiganXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : DEMAND FOR IMMEDIATE DELETION OF ILLEGALLY REPORTED CHARGE-OFF To Whom It May Concern, This letter is a formal demand for the immediate deletion of a negative Charge-Off account that is being illegally reported on my credit file. I am well-versed in consumer law and the requirements for proper reporting, so I know when my rights are being blatantly violated. Let me be clear : if an account is charged off, the creditor MUST issue a 1099-C ( Cancellation of Debt ) form to legally consider the debt canceled or paid in full.

You are reporting a charge-off without any evidence of a 1099-C being filed with the IRS, which is deceptive, misleading, and a violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), furnishers are required to update information and report accurately. If youre reporting this account as a charge-off, where is the proof that the debt was charged off or canceled? 



Additionally, by failing to remove or correct this inaccurate information after my multiple attempts to dispute it, you are in violation of 15 U.S.C. 1681i for failing to conduct a reasonable investigation into my dispute. According to 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy in my credit report, and right now, youre falling short.

I DEMAND that you either : 1. Present me with proof of the 1099-C issued by the creditor, along with the cancellation of the debt, OR 2. Permanently delete this charge-off account from my credit report IMMEDIATELY!

I am not interested in receiving any more of your generic responses claiming this information was verified. If it was truly verified, you would have already provided me with the 1099-C documentation. Since you have not, I know for a fact you can not validate this account.

If this matter is not resolved within 30 days, I will escalate this case to the Consumer Financial Protection Bureau ( CFPB ) and take legal action against XXXX for your continued **willful non-compliance** under **15 U.S.C. 1681n**, and **15 U.S.C. 1681o** for negligence. Consider this your FINAL WARNING to correct your reporting, or I will pursue damages and any other legal remedies available to me under the FCRA. 



Delete this inaccurate charge-off NOW or face the consequences of your negligence and blatant disregard of my rights. 



This is your last opportunity. Take action, or I will! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-08 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: NC

Complaint narrative:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 2025-04-08 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: NC

Complaint narrative:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
This account was charged off on the following date : XX/XX/year> Since then this account has repeatedly been updated as charged off every month. A charge off account should NOT include an active payment history. This is inaccurate information of falsely manipulates the statute of limitations. The credit bureaus failed to investigate this account properly and they neglect has violated my rights. I am demanding a deletion for 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 2025-04-08 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian, Equifax and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : 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 non-monetary relief
Consumer complaint received 2025-04-08 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 was a victim of identity theft. There are inquiries on my Experian, Equifax and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Equifax Details of the Dispute : XXXX Name : My current legal name is XXXX XXXX XXXX XXXX but XXXX is incorrectly listed as XXXX XXXX I request that my name be updated to reflect the correct information. 

XXXX : Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, while my credit report shows an outdated address of XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX TEXAS XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX TEXAS XXXX, I request that my current address be updated accordingly. 

XXXX : And finally add my current job since it is not reflected is XXXX BY XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license A recent utility bill Request for Confirmation : I request that [ Equifax ] XXXX this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: SC

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


NEGATIVE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was leaked and messed up my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NC

Complaint narrative:
I submitted a written dispute to Experian, TransUnion, and Equifax concerning multiple inaccurate and unlawfully reported accounts, including an eviction-related collection from XXXX XXXX XXXX XXXX XXXX XXXX billing from XXXX XXXX XXXX XXXX XXXX and unauthorized hard inquiries. 

These accounts violate FCRA XXXX ( a ), XXXX ( b ), XXXX ( a ) ( XXXX ), and FDCPA XXXX ( b ). The eviction debt is not a verified public court record and is being furnished by a third-party collector without court docket info or judgment. This is deceptive under CFPB XXXX XXXX. Medical billing is being reported without XXXX authorization. No validation was provided by XXXX XXXX or XXXX XXXX XXXX, and hard inquiries were made without permissible purpose. 

I have attached a legal dispute letter detailing these violations and demanding deletion. No proper investigation or response has been received from the bureaus or furnishers. I request immediate deletion of all disputed items and that the CFPB enforces compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: NC

Complaint narrative:
I submitted a written dispute to Experian, TransUnion, and Equifax concerning multiple inaccurate and unlawfully reported accounts, including an eviction-related collection from XXXX XXXX XXXX XXXX XXXX XXXX billing from XXXX XXXX XXXX XXXX XXXX and unauthorized hard inquiries. 

These accounts violate FCRA XXXX ( a ), XXXX ( b ), XXXX ( a ) ( XXXX ), and FDCPA XXXX ( b ). The eviction debt is not a verified public court record and is being furnished by a third-party collector without court docket info or judgment. This is deceptive under CFPB XXXX XXXX. Medical billing is being reported without XXXX authorization. No validation was provided by XXXX XXXX or XXXX XXXX XXXX, and hard inquiries were made without permissible purpose. 

I have attached a legal dispute letter detailing these violations and demanding deletion. No proper investigation or response has been received from the bureaus or furnishers. I request immediate deletion of all disputed items and that the CFPB enforces compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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