vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-09 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:
I AM AN VICTIM OF IDENTITY THEFT, THESE ARE NOT MY ACCOUNTS, THESE ACCOUNTS ARE THE RESULT OF IDENTITY THEFT. PLEASE REMOVE AND BLOCK THSES ACCOUNTS FROM REPORTING. 

XXXX XXXX XXXXXXXX Under dispute Date opened XX/XX/XXXX Balance {$1100.00} Status Open. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$940.00} written off. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$990.00} written off. 
XXXX XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX Under dispute The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, addresses the removal of fraudulent accounts and information resulting from identity theft. Consumer reporting agencies must block the fraudulent information in a consumer 's file.

They must notify the original source of the information ( furnisher ) about the block.

The notification includes details about the identity theft report, the block request, and its effective date UPON receiving

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 2025-07-09 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:
I AM AN VICTIM OF IDENTITY THEFT, THESE ARE NOT MY ACCOUNTS, THESE ACCOUNTS ARE THE RESULT OF IDENTITY THEFT. PLEASE REMOVE AND BLOCK THSES ACCOUNTS FROM REPORTING. 

XXXX XXXX XXXXXXXX Under dispute Date opened XX/XX/XXXX Balance {$1100.00} Status Open. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$940.00} written off. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$990.00} written off. 
XXXX XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX Under dispute The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, addresses the removal of fraudulent accounts and information resulting from identity theft. Consumer reporting agencies must block the fraudulent information in a consumer 's file.

They must notify the original source of the information ( furnisher ) about the block.

The notification includes details about the identity theft report, the block request, and its effective date UPON receiving

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 2025-07-09 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: MI

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2025-07-09 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:
I am a victim of identity theft and I am submitting this dispute under FCRA 605B ( 15 U.S. Code 1681c-2 ). The following items were fraudulently added to my credit report and must be removed immediately : Names to Remove : XXXX XXXX XXXX XXXX Addresses to Remove : XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Inquiries to Remove : XXXX XXXX XXXX ( XX/XX/XXXX TransUnion ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian ) Accounts to Remove : XXXX XXXX XXXX XXXX {$800.00} Collection ) XXXX XXXX XXXX XXXX XXXXXXXX {$320.00} Collection ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these accounts are inaccurate, unauthorized, and the result of identity theft. I did not apply for, open, or benefit from these accounts, nor did I give anyone permission to use my personal information for these purposes. 

The impact of this theft has been financially and emotionally distressing. My credit score has significantly decreased due to these fraudulent entries, and I have faced obstacles in obtaining housing and credit. The accounts have been reported as past due or in collections, which unfairly reflects my character and creditworthiness.

Under 15 U.S.C. 1681c-2, I am entitled to have these fraudulent entries blocked from my credit report once I provide proof of identity, a statement of dispute, and a copy of this identity theft report. I am requesting the permanent blocking and removal of all listed accounts from my credit files with Experian and any other agencies reporting them. 

I affirm that the information I am providing is truthful to the best of my knowledge. I am also in the process of notifying the credit bureaus, affected creditors, and filing any necessary law enforcement reports. 

This personal statement is submitted as part of my FTC Identity Theft Report to support efforts to correct my credit file and prevent further unauthorized use of my identity. 



Attached : FTC Identity Theft Report Government-issued photo ID Proof of current address Please complete removal within 4 business days as required by law. 
Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: EZ FUNDINGS Inc.
State: CA

Complaint narrative:
Around XXXX of XXXX, my husband and I entered into an agreement to purchase a property in XXXX, CA. We engaged the services of EZ FUNDINGS INC. dba EZ FUNDINGS HOME LOANS ( EZ Funding ) and XXXX XXXX ( XXXX ) as a loan broker and agent to secure financing for the property. XXXX obtained two loans for us, both arranged by EZ Funding. Qerimi assured us that, although the Second Loan was an equity line of credit with fixed payments, both loans were, in fact, fixed interest rates. Additionally, XXXX assured us that the property taxes and insurance were included in the mortgage payment. Relying upon XXXX representation and expertise, my husband and I moved forward with the transaction and closed on the property on XX/XX/XXXX. Around XX/XX/XXXX, we realized that the payments on our Second Loan were increasing, and we received a late notice of property tax payments. We reached out to XXXX and he admitted and acknowledged that he had believed that the Second Loan was a fixed interest rate when he sold the product to us, but that he was mistaken. On XX/XX/XXXX, XXXX emailed us admitting his misunderstanding of the loan product he sold ( see screenshots attached ). Our monthly payments have substantially and significantly increased month after month from XX/XX/XXXX to the present, and our ability to afford the Second Loan is now considerably compromised. My husband and I would not have moved forward with the purchase of the Property had we known about the potential for increased interest rates. We relied on XXXX representation that both loans, including the Second Loan, were fixed interest rates, and that our property taxes and insurance were included in their mortgage payment. My family is in a terrible financial situation because of XXXX and his brokers misrepresentation. To make matters worse, the broker did not have insurance and is refusing to take financial responsibility for the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MI

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-09 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: CO

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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
To whom it may concern, My name is XXXX  XXXX XXXX, and I am writing to ask for help regarding my Home Depot/Citibank retail account ( THD/CBNA XXXX XXXX XXXX ), which is currently showing a charge-off with a balance of {$8000.00} and {$1700.00} past due. 
I had always made my payments on time until I lost my job a XXXX XXXX ago. That sudden loss of income made it impossible for me to keep up. I didnt know about the CFPB until recently, but I want to be responsible and do what I can to resolve this debt. 
Im now working again, and Im doing my best. I was hired by XXXX XXXX about XXXX weeks ago, and Im currently working XXXX to XXXX hours a week making {$19.00} an hour. At first, I only had XXXX hours per week, but Im working hard and hoping to get more hours as I grow within the company. 
Ive tried calling to set up a payment plan, but the options I was given were unaffordable XXXX payments in the $ XXXX and once it was done XXXX payments of about {$200.00}. I cant afford those amounts right now with my current income. Right now, I can pay {$150.00} per month, and once I get more hours, Im willing to increase my payments. 
Im not trying to avoid paying. I just need a payment plan that matches my situation. At the moment, Im focusing on having enough money for food and to keep a roof over my head. I want to pay what I can now and do more as I get back on my feet. 
Please help me set up a reasonable agreement. Im committed to paying this debt and moving forward in a positive way. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXXXXXX 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 2025-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
I made my normal monthly mortgage payment in the app ( XXXX ), then went in to pay an additional {$100.00} towards the principal ( XXXX ). Instead, they took the entire mortgage payment out again. They told me I could submit a download from the bank showing both payments had cleared, and that I had a positive balance at the time, and then they would MAIL me a check within fifteen days. I don't find that acceptable, I don't think most people would, but the main problem is that they won't accept what was provided. I got an automated email telling me they need the front and back copy of the cleared check ( there is no check ). Customer service was horrible. They told me it was my error in the app, and maybe it was, but essentially I was told that I have to wait until my next monthly bank statement is available ( since my download, which is all the bank provides other than the standard monthly statement, wasn't good enough ), hope that has all the info they are looking for, and then MAYBE in 45 days I will get a refund. I've given up, and honestly I should have checked the XXXX  before choosing this company, but I do want everyone that may be looking for a mortgage know NOT to choose Lakeview Loan Servicing. Everything about them has been unpleasant ( and that word is probably an understatement ).

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Torriere Holdings INC
State: TX

Complaint narrative:
XXXX Resolution violated FDCPA laws by sending communications without opt out option, as per FDCPA please see below FDCPA violations related to opting out of debt collection communication Under the Fair Debt Collection Practices Act ( FDCPA ) and its implementing regulation, Regulation F, consumers have the right to tell debt collectors to stop contacting them or to opt out of certain communication methods. 
Opting out of electronic communications Requirement for collectors : When debt collectors use electronic methods like email or text messages to contact you about a debt, they must include a clear and conspicuous notice explaining how you can opt out of further electronic communications to that specific email address or phone number. 
Reasonable and simple methods : The opt-out method provided must be reasonable and simple, such as a link to unsubscribe in emails or instructions to reply with a word like " STOP '' for text messages.

No fees or extra information : Debt collectors are not allowed to require you to pay a fee or provide any information beyond your opt-out preference to stop receiving electronic communications.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XX/XX/year> XXXX XXXX was told by TransUnion that my XXXX XXXX was paid off. 
On XX/XX/year> I called TransUnion to verify that the card was paid off and they said yes the balance was XXXX, as confirmed by XXXX XXXX. There was a XXXX balance and XXXX made up a approximately {$3800.00} debt. 

I asked for and want the audio recording from my phone call on XX/XX/year> where TransUnion verified the card was paid off, balance XXXX. 

I disputed it repeatedly, but they ignore the screenshot from XXXX XXXX details will be uploaded. 

It seems TransUnion and XXXX are working together to steal {$3800.00} plus from me.. I am making payments until I get the requested audio recording from TransUnion to give to an attorney.

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 2025-07-09 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: MI

Complaint narrative:
I have submitted written requests for validation of multiple collection accounts that are being reported on my credit file. I requested full validation including original account documentation, chain of custody, and proof that the reporting agency has legal authority to report the debt. 

To date, no documentation has been provided, yet the accounts remain on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I am formally requesting immediate removal of all unvalidated accounts. 

If this issue is not resolved within a reasonable timeframe, I will move forward with filing a civil lawsuit for noncompliance and damages under the FCRA and FDCPA. 

Please take this as a final opportunity to resolve the matter before legal action is initiated.

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 2025-07-09 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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