vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. I am disputing the following negative items, which I strongly believe
may be linked to a data breach : XXXX - XXXX - {$XXXX} XXXX  XXXX - XXXX - {$XXXX} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$XXXX} XXXX - XXXX XXXX {$XXXX} XXXX XXXX XXXX - XXXX XXXX {$XXXX} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress.

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
In XX/XX/2024 Lakeview, serviced by XXXX XXXX acquired my home loan. 

I XXXX, the previous lender return the loan payment. I called, added my account information and set up auto payments with XXXX XXXX. 

In XXXX I received a call that my payment was late. I logged onto XXXX XXXX to find my loan in good standing. 

XXXX XXXX is calling from and leaving message stating they are XXXX XXXX. My loan was purchased by Lakeview, managed by XXXX XXXX. 

Lakeview will not allow me to set up auto payments due the the loan being overdue. I have informed the company a loan can not be past due in the first 90 days of acquisition. 

It feels fairly predatory that the company was not mailing, emailing, or leaving accurate voicemails.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX  {$1300.00}, XXXX  {$4100.00}, XXXX XXXX {$500.00}, XXXX  {$0.00}, XXXX  {$0.00}, XXXX {$0.00}, XXXX XXXX {$180.00}, XXXX {$2500.00}, XXXX  XXXX  {$1300.00}, XXXX XXXX {$130.00}, XXXX XXXX  {$89.00}, XXXX {$610.00}, XXXX XXXX  {$1100.00}, XXXX  XXXX  {$8200.00}, XXXX XXXX {$460.00}, XXXX {$19000.00}, XXXX/XXXX  {$1900.00}, XXXX/XXXX  {$2200.00}, XXXX/XXXX  {$6100.00}, XXXX/XXXX  {$5600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX  {$1300.00}, XXXX  {$4100.00}, XXXX XXXX {$500.00}, XXXX  {$0.00}, XXXX  {$0.00}, XXXX {$0.00}, XXXX XXXX {$180.00}, XXXX {$2500.00}, XXXX  XXXX  {$1300.00}, XXXX XXXX {$130.00}, XXXX XXXX  {$89.00}, XXXX {$610.00}, XXXX XXXX  {$1100.00}, XXXX  XXXX  {$8200.00}, XXXX XXXX {$460.00}, XXXX {$19000.00}, XXXX/XXXX  {$1900.00}, XXXX/XXXX  {$2200.00}, XXXX/XXXX  {$6100.00}, XXXX/XXXX  {$5600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT XXXX  RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: MD

Complaint narrative:
I am writing to formally dispute multiple inaccurate and inconsistent items on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute and request an investigation into any incorrect, outdated, or unverifiable information reported by your bureau.

Upon reviewing my credit report, I found that several accounts are being misreported. Some accounts show different information across different bureaus, which is a violation of fair and accurate reporting standards. I request that the following inaccurate items be removed or corrected immediately : Late Payments : XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX ( Balance Owed : {$770.00} XXXX XXXX # XXXX ( Balance Owed : {$380.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance Owed : {$330.00} ) XXXX # XXXX Charge-Offs : XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Collections : XXXX # XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Hard Inquiries ( Unauthorized or Unverified ) : XXXX XXXX XXXX XXXX XXXX ( Date of Inquiry : XX/XX/year> ) XXXX ( Date of Inquiry : XX/XX/year> ) XXXX  ( Date of Inquiry : XX/XX/year> ) Under the FCRA, if these accounts can not be verified within 30 days, they must be removed from my credit report. Additionally, I request a fresh and updated copy of my credit report reflecting these corrections. 

I have attached copies of my identification and any supporting documents to assist with this dispute. Please provide written confirmation of your actions regarding these items. 

Thank you for your immediate attention to 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 non-monetary relief
Consumer complaint received 2025-02-11 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: MD

Complaint narrative:
I am writing to formally dispute multiple inaccurate and inconsistent items on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute and request an investigation into any incorrect, outdated, or unverifiable information reported by your bureau.

Upon reviewing my credit report, I found that several accounts are being misreported. Some accounts show different information across different bureaus, which is a violation of fair and accurate reporting standards. I request that the following inaccurate items be removed or corrected immediately : Late Payments : XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX ( Balance Owed : {$770.00} XXXX XXXX # XXXX ( Balance Owed : {$380.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance Owed : {$330.00} ) XXXX # XXXX Charge-Offs : XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Collections : XXXX # XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Hard Inquiries ( Unauthorized or Unverified ) : XXXX XXXX XXXX XXXX XXXX ( Date of Inquiry : XX/XX/year> ) XXXX ( Date of Inquiry : XX/XX/year> ) XXXX  ( Date of Inquiry : XX/XX/year> ) Under the FCRA, if these accounts can not be verified within 30 days, they must be removed from my credit report. Additionally, I request a fresh and updated copy of my credit report reflecting these corrections. 

I have attached copies of my identification and any supporting documents to assist with this dispute. Please provide written confirmation of your actions regarding these items. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NJ

Complaint narrative:
I am writing to follow up on my previous letter dated XX/XX/year>, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my credit card accounts : Account number XXXX CREDIT CARD, Account number XXXX CREDIT CARD. To date, I have not received confirmation of the correction nor observed any changes in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
Spring Oaks Capitol Debt if XXXX Tried to get it taken off my credit bc I didnt open the card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: GA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-10 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: NJ

Complaint narrative:
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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, 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.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Federated Student Loan Services
State: MD

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint regarding a severe breach of my personally identifiable information ( PII ) due to unauthorized access facilitated by the Department of Education XXXX DOE ) and the Department of Government Efficiency ( XXXX  ), led by XXXX XXXX. As a federal student loan borrower, my private financial and personal data has been accessed without my authorization, constituting a violation of my consumer protection rights. 

Summary of Complaint : Recent reports indicate that DOGE personnel have been granted unauthorized access to the Department of Education 's internal databases, which store sensitive financial and personal data of millions of federal student loan borrowers. This includes, but is not limited to : - Social Security numbers- Dates of birth - Loan balances - Repayment history This access was granted without borrower consent, constituting a severe violation of my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX, as well as potential violations of the Privacy Act of XXXX. The Consumer Financial Protection Bureau ( CFPB ) has an obligation to investigate this unauthorized access, given its impact on financial data security and consumer protections. 

Supporting Evidence & Legal Concerns : 1. Unauthorized Data Access : Investigations and lawsuits indicate XXXX 's unauthorized access to federal student loan borrower data. ( XXXX XXXX XXXX XXXX ) XXXX. Ongoing Lawsuits : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX has filed legal action alleging a massive breach of borrower privacy due to XXXX  involvement. ( ( XXXX XXXX XXXX XXXX ) 3. Congressional Investigation : Lawmakers are demanding answers regarding how and why XXXX was granted access to this data. ( XXXX XXXX XXXX XXXX  ) Requested Resolutions : Given the severity of this breach and its impact on my financial privacy and security, I am requesting the following actions to be taken place bye XX/XX/XXXX : 1. Immediate Investigation : The CFPB must investigate the DOEs role in granting unauthorized access to borrower data and XXXX use of this information. 
2. Account Remediation : Ensure that my student loan data is secured, reviewed, and corrected for any unauthorized modifications. 
3. Loan Cancellation : Due to this severe breach of my financial privacy, I request full cancellation of my federal student loans as an appropriate remedy for the harm caused. 
4. Stronger Consumer Protections : The CFPB should impose stronger oversight on DOEs handling of borrower data to prevent similar violations in the future. 

This violation directly impacts my financial security and consumer rights. I urge the CFPB to take swift action in investigating and addressing this breach. Please provide me with updates regarding the status of my complaint and any actions taken to resolve it.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-11 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: AZ

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
In XXXX of XXXX, I paid XXXX the remaining balance of my student loans, which was {$400.00}. In XXXX of XXXX, I received a letter from AidVantage stating my loan account from XXXX had been transferred to them, and that I owe {$400.00}. I was instructed to contact XXXX and obtain a financial activity summary, as I no longer had access to my online account with XXXX. I did as instructed. After some time, I received a statement from XXXX, which does not include any information about loan sequence XXXX. Loan sequence 1 was the loan in which I paid the remaining {$400.00} balance off in XXXX. Loan 2 and 3 were already paid off previous to this date. I was able to go back through thousands of emails and find proof of my loan pay off for loan 1, 2, and 3 and submitted this to AidVantage. AidVantage said twice they would review this. The first time, I did not hear back. The second time they said they would review it and after a few weeks, they sent me a letter stating that I simply owe {$400.00}. On Friday, XX/XX/XXXX, I contacted AidVantage for a third time and provided proof of payoff. They told me they would have it reviewed by XX/XX/XXXX.

Company response to consumer: Closed with explanation