vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXXXXXX BALANCED {$6400.00XXXX XXXX XXXX BALANCED {$3400.00} XXXXXXXX XXXX XXXXXXXX XXXX BALANCED {$2000.00} XXXX XXXX XXXXXXXX BALANCED {$6800.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$5600.00} XXXX XXXX BALANCED {$4200.00} XXXX XXXX XXXX XXXX BALANCED {$1600.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$3000.00} XXXX XXXX XXXX XXXX BALANCED {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$1500.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts 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 2025-05-07 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
Lakeview Loan Servicing has repeatedly disclosed my personal and financial information, including foreclosure notices, to my ex-husband, who is not listed on my mortgage and has no legal ownership or access rights. I have notified them of this privacy violation multiple times in writing and by phone. 

Additionally, they continue to use an outdated deed from a prior mortgage, which I corrected with them over a year ago. As a result, I have been blocked from making payments, despite actively trying to reinstate my mortgage. I was told I could not pay while they " escalated '' the matter. 

They have now initiated foreclosure and sent legal notices to my ex-husband again, further violating my privacy and causing serious emotional distress. Their law firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has continued this breach by also mailing court documents to him. 

My ex-husband has a documented history of substance abuse and has lost custody of our children twice. Him receiving this information is a major safety and emotional concern for me and my children. 

I am a single mother, currently unemployed after a layoff, and this situation is causing irreparable harm. I want immediate reinstatement of my mortgage, correction of the deed records, and accountability for these privacy breaches.

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 2025-05-07 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Equifax. 
Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days. - FCRA 1681s- 2 ( a ) continued reporting of information known or reasonably known to be inaccurate. - Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. - CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. - Denials or unfavorable terms for financial products due to incorrect XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Trusted Mortgage Capital Inc
State: WA

Complaint narrative:
Subject : XXXX XXXX Trusted Mortgage Capital for Aggressive, Deceptive, and Unprofessional Conduct Company Information : Company : Trusted Mortgage Capital Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX XXXX XXXX | Loan Strategist XXXX Call/text XXXX Fax XXXX Trustedmortgagecapital.com Description : I am filing this complaint regarding a highly disappointing and concerning experience with Trusted Mortgage Capital. 

I initially spoke with a representative named XXXX and was later contacted by someone claiming to be the XXXX XXXX XXXX and XXXX XXXX, using phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX. 

The individuals tone was condescending, dismissive, and highly unprofessionalcompletely unacceptable for someone representing a financial institution. When I asked reasonable questions about the structure of the so-called {$7700.00} in discountsespecially as I was being asked to pay pointsI was not provided a clear, itemized explanation. Instead, I was met with sarcasm and pressure. 

Some examples of what was said include : You gon na sign the docs or keep waiting?? 

Come on brother, were on Earth, not Mars. 

You're like the guy who drives from XXXX  to XXXX  to try to save one dollar on gas. 

You constantly keep shopping for something that doesn't exist. 

These comments were not only inappropriate but felt coercive, making me uncomfortable as a consumer trying to make an informed decision. Instead of transparent explanations, I was told : Please dont take it offensive, just when youre working with someone who is really smart, really educated, and knows what theyre doing... 

This tone, combined with self-promotion, did not address my concerns and instead attempted to belittle me for asking fair questions. 

This interaction felt coercive, misleading, and disrespectful. I ultimately chose not to proceed with the transaction because of these factors. 

This could have been a straightforward and productive process. Instead, it became clear that Trusted Mortgage Capital is engaging in high-pressure, questionable sales practices that may violate federal consumer protection laws. I am submitting this complaint in hopes that it prompts further review, and I am also considering additional actions to protect other consumers from similar treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting a formal identity theft complaint. I have filed an FTC Identity Theft Report and provided supporting identification documents. There are multiple unauthorized hard inquiries and two fraudulent accounts on my credit report that I did not authorize or initiate.

These items are the result of identity misuse and must be removed under FCRA Section 605B. I am requesting that all unauthorized entries be permanently deleted based on the evidence provided. 

Please process this request accordingly and confirm that these records will be removed. 

Inquiries : 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 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OH

Complaint narrative:
I applied for the income driven repayment plan which was stated to significantly lower my monthly payments to ~ {$90.00} a month. I received email confirmation from MOHELA that my application was approved and that my payment would be adjusted. As it was being adjusted my loans were put in forbearance. During this period I paid {$200.00} to cover the 2 months of payments during the forbearance. Today, I checked my amount due and it was back to over {$400.00}. I have never missed a payment and MOHELA has provided me with no communication whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
My Personal Information was exposed to multiple data breaches. After reviewing my credit reports I noticed an account that was taken off of one credit agency reports ( XXXX  ) was placed back on to another credit agency report ( Equifax ). I am not familiar with this account that is continually being placed on my credit reports and the company not fully validating that the account belongs to me along with the CRA 'S. Due to my information being Exposed to several data breaches I have submitted a FTC complaint reporting the information that i'm not familiar with. 

Please Find Attached A copy of my ID, The FTC Complaint, A copy of the XXXX  Report showing my information being exposed in a data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. CHIME-STRIDE {$3200.00}, XXXX XXXX XXXX$510.00}, XXXX XXXX {$350.00}, XXXX XXXX XXXX {$24000.00}

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 2025-05-07 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:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX. 

The accounts below have violated my rights. 
15 U.S.C XXXX section XXXX. States I have the right to privacy.

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C XXXX ( A ) ( a ) 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 2025-05-07 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: GA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-05-07 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payments on this account that was actually paid on time, the consumer reporting agencies need to report all information accurately, this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX -- XX/XX/XXXX ). I'm now requesting you to investigate this account and provide verifiable proof with records showing that I had late payments, if this information can not be verified, I demand these payments be updated to Paid on time immediately. thank you for your understanding and prompt action. 

Account name : XXXX Bank Account number : 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 2025-05-07 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: OH

Complaint narrative:
I am submitting this complaint because TransUnion is reporting a XXXXday late payment on my credit report for an account with XXXX XXXX XXXX which is inaccurate and the result of a dispute that was submitted by mistake. 

Around XX/XX/year>, XXXX XXXX confirmed that my account was current, and I was informed by XXXX XXXX XXXX, Chief Director at XXXXXXXX XXXX that their operations team submitted the update to TransUnion to reflect the correct account status. For a brief period, the account did appear as current. However, TransUnion later reversed the correction, and the account is now incorrectly showing as past due, which is damaging my credit score. 

I have contacted TransUnion multiple times to explain that this is a reporting error caused by an unintentional dispute. I also reached out to XXXXXXXX XXXX, and XXXX XXXX confirmed again on XX/XX/year>, that I have never been late and that my account should be reported as current. Despite this, the account is still showing as past due on my TransUnion credit report. 

I am requesting that this matter be corrected immediately by : Removing the inaccurate XXXXday late payment from my report Updating the account to reflect its true status of current Restoring any credit score impact caused by the error Providing written confirmation of the correction I have attached supporting documentation, including communications with XXXXXXXX XXXX and evidence that my account is not delinquent. This error is unfairly impacting my credit, and I would appreciate your urgent attention in correcting it. 

Thank you for your help in resolving this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am the legal representative payee for my elderly mother. Capital One accepted two months of her Social Security payments but then froze the funds, telling me they do not support representative payee accountseven though they had already accepted direct government deposits.

I provided them with the official SSA letter confirming my status as representative payee. They refused to accept it and continued to hold the funds. I contacted the Social Security Administration, which formally requested that Capital One immediately return the funds. Still, no resolution came Due to this, I filed a complaint with the CFPB ( XXXX ) Only after that initial complaint was submitted Capital One returned the money to us. However, a few days later, Adult Protective Services ( APS ) showed up, saying they had received a report against me for financial elderly abuse!!!!!!! 

This strongly suggests that Capital One filed an APS report either as retaliation or to cover up their own mistakesafter failing to follow proper procedures, refusing valid documentation, and withholding federally protected funds. I was treated like a suspect despite doing everything legally and ethically, which caused enormous stress and reputational damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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