vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — VA 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: AR

Complaint narrative:
Early XXXX we were beginning to have problems keeping up with our mortgage loan payments due to a modification performed without our knowledge in XXXX in regards to home insurance. We lost the insurance we had due to it being credit based and the loan company applied their own insurance to the loan at a significantly higher cost without making us aware. This brought our payment from a comfortable {$1100.00} a month up to {$1900.00} a month. When we asked for the modification they offered to drop the payment by {$50.00} a week. When we offered to find our own home owners insurance. We was denied due to it being built in XXXX and it is a full lower log cabin house with a conventional built second floor. We were working with the modification for a year until again we fell into hard times. I had lost my job due to medical complications and was surviving on my VA benefits solely. Waiting for VA dates for my XXXX. We asked for a follow up modification in hopes to get a lesser payment. They sent the modification paperwork. My wife and I went to the XXXX department where our local Notary of the public is. We signed all the paperwork and sent it back to XXXX XXXX to allow for them to do what they need to do. XXXX weeks go by when I get a phone call stating that our modification paperwork was not submitted due to signatures being illegible. So they were putting us in a XXXX month forbearance until all paperwork can be completed and returned. It has been over a month now with no paperwork to present. Today XX/XX/XXXX I recieved a phone call from XXXX XXXX being very snotty. They advised us that we are {$18000.00} in arrears wondering if we can pay it today. Of course I do not have {$18000.00} just laying around living on a {$2400.00} a month set income. Then very rudely was asked why have you not sold your house yet that I don't need a house this size then. I am sorry but when i bought the house at {$180000.00} at {$1100.00} a month it was a great price regardless of how big or small the house is in these days. I just do not understand how they can tell me what i am supposed to have and not have to live in with my wife, XXXX teenage children, and myself. But my main complaint or concern is just the sheer fact of how they treat their customers with such inhumane language rather then trying to come to a comfortable comprimise.

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 2025-11-20 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:
Dear Sir/Madam, I am requesting a dispute of the following accounts on my TransUnion credit file due to inaccuracies, FCRA violations, and the potential data breach risks posed by improper reporting. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} Status : Charge-Off Date Opened : XXXX Inaccuracy : This account is reported inaccurately as a charge-off with the balance misreported. The credit status and reporting fail to align with FCRA guidelines on accuracy, completeness, and timeliness of information. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} Status : Collection Date Opened : XXXX Inaccuracy : The account status is incorrectly listed as a loss. As per the FCRA, the reporting of collection accounts must be accurate and consistent with the original account terms.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
When I established a Synchrony Bank XXXX XXXX account, I set up auto-pay in accordance with instructions. On XX/XX/year>, a payment in the amount of {$250.00} was presented to my XXXX XXXX XXXXXXXX XXXX  checking account. Subsequently, I called Synchrony Bank to check the status of the payment since it had not cleared my account. On XX/XX/year>, when Synchrony Bank notified me that the payment had been returned, I called and made the payment by telephone. Today, XXXX 's website reported account activity of Returned Check Charge of {$30.00} and Interest Charge of {$6.00}. When I called Synchrony Bank to reverse these charges, I was advised that it was not possible. I called XXXX XXXX XXXXXXXX XXXX both yesterday and again this morning to confirm the reason why the payment had not cleared. XXXX, an account supervisor, advised that funds had been available on XX/XX/year>, and he saw no reason for the return for insufficient funds. This has been a continuing problem with other Synchrony Bank credit card accounts issued through XXXX, although I have at least XXXX ( XXXX ) other credit card accounts that are set up with automatic payments, all without incidents.

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 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

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

Company 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 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Fresh Holdings Inc
State: AZ

Complaint narrative:
I owe a debt with credit fresh who then sold it to structured settlement. I set a payment plan with them after they attempted to threaten me by saying they will take legal action and they have all my info. Today XXXX I am going through some things financially and called to change my payment to the XXXX. He began to threaten me and treat me like I am not a human. He was asking why cant I and dont I get paid tomorrow and so on I said yes even though I actually get paid next week because he was yelling at me and using scaring tactics. I said I had nothing but problems when I try and call and ask questions you guys are very rude. He began to yell saying Im rude and that he can just remove my plan now and he will make sure Im sued and that he will come after me. I told him he just needs to relax and thats enough he said no Im not and he continued to cuss and threaten to cancel everything and go after me. This left me a little scared as I never been treated in such way like this from someone. He said Ill be moving your payment to the XXXX and Im hanging up the phone now but it it dont process on that date good luck because hes canceling and coming after me and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
The Fair Credit Reportin Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon gfair 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
The Fair Credit Reportin Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon gfair 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My student loans are serviced by XXXX. My twin brother and I graduated in XXXX, and our parents opened the loans on our behalf. 

Throughout XXXX, my parents and I made consistent, on-time payments toward these loans. 

Despite this, XXXX repeatedly : returned payments without explanation failed to process payments posted payments weeks late As a result, XXXX began incorrectly reporting late payments on my credit reports starting in early XXXX. These inaccurate late entries have continued and have caused significant declines in both my credit score and my twin brothers credit score. 

Over the last XXXX months, I filed disputes with TransUnion and XXXX  but both were marked verified even though I have proof that all payments were made or attempted on time. 

My parents and I have made multiple attempts throughout XXXX to reach XXXX by phone and online, but : calls go unanswered no representatives are available messages are not returned Many other borrowers appear to be experiencing the same issue. 

I learned that XXXX is currently involved in a lawsuit for similar servicing failures, including unprocessed payments, returned payments, and incorrect late reporting. My case reflects these same problems. 

I am XXXX XXXX XXXX, employed, and making consistent payments, yet my credit is being damaged every month due to errors outside my control.

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 2025-11-20 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: GA

Complaint narrative:
I am disputing the following items on my Equifax credit report. These items are either inaccurate or do not reflect my true credit history. Please investigate and correct the following : CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I regularly check my credit report because my credit score is important to me, and I continue to see inaccurate and false information on it. This has been a recurring issue that still hasnt been corrected no matter how many times I raise it. It has become extremely stressful and exhausting, and its unfairly hurting both my life and my credit score.

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 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

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

Company 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 2025-11-20 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: CT

Complaint narrative:
I disputed an XXXX XXXX account with Experian, Equifax, and TransUnion because it is reported inaccurately. The account shows different account numbers across the bureaus, and the Date of First Delinquency ( DOFD ) is inconsistent or missing. I requested a manual reinvestigation via certified mail, but the CRAs returned only generic verified results without providing documentation or the method of verification. 
Because of the inconsistent account numbers, missing/inaccurate DOFD, and failure to conduct a proper manual reinvestigation, the account can not be verified and should be deleted.

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 2025-11-20 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: CT

Complaint narrative:
I disputed an XXXX XXXX account with Experian, Equifax, and TransUnion because it is reported inaccurately. The account shows different account numbers across the bureaus, and the Date of First Delinquency ( DOFD ) is inconsistent or missing. I requested a manual reinvestigation via certified mail, but the CRAs returned only generic verified results without providing documentation or the method of verification. 
Because of the inconsistent account numbers, missing/inaccurate DOFD, and failure to conduct a proper manual reinvestigation, the account can not be verified and should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
Failure of the Credit Bureaus to Perform a Proper FCRA Investigation Under FCRA 1681i, credit reporting agencies must : Conduct a reasonable reinvestigation, Review all evidence provided by the consumer, Forward all relevant information to the furnisher, Delete or correct information that can not be verified. 
The bureaus actions did not meet these requirements. 
They failed to provide : Documentation used to verify the accounts Explanation of the methods and procedures used Any verification from the furnishers containing my signature Proof that the furnishers actually reviewed anything The bureaus simply relied on automated responses ( A-CDV results ), which is not a reasonable investigation as required by FCRA.

2. Demand for Verification Documents from Each Bureau I am requesting the CFPB compel Equifax, Experian, and TransUnion to provide : A. Method of Verification ( MOV ) Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) I am entitled to : The method and procedure used to verify the accounts The name and contact information of the person they contacted Copies of all documents the furnisher provided to verify the information None of the bureaus provided this.

B. Complete Verification Evidence For each disputed account, require the bureaus to obtain and provide : Original application or contract with my wet signature, or an authenticated electronic signature audit trail Chain of assignment / bill of sale ( for XXXX XXXX XXXX ) and XXXX XXXX XXXX and XXXX bank. 
Proof the furnisher has legal right to report under FCRA A simple verified accurate notation is not evidence. 
3. Furnishers Failed to Provide Legally Required Verification XXXX XXXX XXXX, XXXX Bank, and XXXX XXXX failed to produce : Contract Signature Ownership documents Authorization to report or collect Without documentation, the information can not be legally verified, and the bureaus violated : FCRA 1681i ( a ) ( 5 ) must delete unverifiable information FCRA 1681e ( b ) must maintain reasonable procedures to assure accuracy FCRA 1681i ( a ) ( 1 ) must reinvestigate thoroughly 4. Request for CFPB Enforcement Action I am requesting that the CFPB : Require Equifax, Experian, and TransUnion to conduct a proper reinvestigation ; Require the bureaus to obtain and provide actual evidence, not automated results ; Compel the furnishers to produce the required documentation ; Delete the accounts immediately if no documentation can be produced. 
These accounts remain on my credit file without being properly verified, causing ongoing harm. 
5. Certification I certify that the statements made are true to the best of my knowledge. 
I request written confirmation when this matter is reopened and re-investigated. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

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