vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: AZ

Complaint narrative:
Two years ago I requested Lakeview to update my online web portal information. I submitted all the proper court documents as well as a copy of the updated Deed information. Lakeview told me they can not update the web information because " XXXX '' can only do this. 
When I log into my lakeview portal to make a mortgage payment the icon comes up saying " Welcome XXXX ''. It should say " Welcome XXXX ''. 

Two plus years ago I assumed the mortgage in my name only via a divorce,. XXXX XXXX name was removed via all divorce documents provided to Lakeview as well as the Deed now in my name only. the only update Lakeview did is finally using my name only on the monthly mortgage statements but will not remove the " Welcome XXXX ''. 
I have continuously for over a year plus asking Lakeview to change this and they continue to ignore my request and now say they can't do anything about it and said I can only email XXXX and they also are not responding to my email request nor am I given a phone number to call them because Lakeview said they have no phone number either. I no longer ever want to see my ex-husbands name on my mortgage web account when I make online monthly mortgage payments. This is literally harassment.

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 2025-06-25 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: VA

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 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 2025-06-25 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: VA

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 2025-06-25 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: GA

Complaint narrative:
Subject : Request for Investigation under Section 1681i of the Fair Credit Reporting Act Dear Credit Bureau, CFPB I am writing to formally request an investigation of the following items that I believe to be inaccurate or incomplete on my credit report. This request is made under my rights provided by Section 1681i of the Fair Credit Reporting Act ( FCRA ) I have identified several inaccuracies that require immediate attention to ensure my credit report is accurate and complete. In addition to the items listed, I am particularly concerned about the inquiries made without my consent and the potential impact on my credit score. It is crucial for the integrity of my financial records that these non-account holding inquiries over 30 days old be removed. Furthermore, I request that Promotional Suppression be added to prevent any further unsolicited inquiries that could compromise my creditworthiness. Enclosed is a copy of my driver 's license to verify my identity and support my claims. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NCB Management Services Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
I am reporting that the inquiry from XXXX XXXX on my credit report is incorrect. I did not authorize or initiate any application for credit with this company, and I believe this may be a result of identity theft or an error. I am requesting that this unauthorized inquiry be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
Someone has either been using my information or the credit reporting agency has put someone else information under my name. Please assist me. See attached report. Thank you

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 2025-06-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please help me investigate accounts from these companies that inaccurately show late payments on my credit report. I have checked my report and found some accounts with incorrect late payment notations. These accounts should have no late payment remarks. Kindly remove these remarks and update the accounts as agreed to positive status.

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 2025-06-25 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: LA

Complaint narrative:
The following companies are reporting fraudulent and inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documentation so that I may review to see if these are actually accounts that belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
The Department of Treasury falsified Federal Government XXXX. XXXX with an erroneous amount in excess of the original creditor invoice. XXXX XXXX XXXX of the Department of Treasury Debt Management Office submitted an XXXX - XXXX to XXXX, XXXX to garnish my wages for {$4900.00} and the original invoice amount was for {$3600.00}. My wages were garnished in excess of the original debt under Department of Educations debt management office CRS invoice # XXXX. 

XXXX XXXX, of the Office of Management was instructed by XXXX XXXX and XXXX XXXX XXXX to convert the approved sick leave to leave without pay for pay period 5, thus VIOLATING MY CIVIL RIGHTS under the 14th amendment for due process, denying my of my liberty to take my accrued sick leave at the advise of the doctor. XXXX XXXX embezzled my sick leave by converting accrued sick leave to leave without pay under a government approved time keeping system that certified to my official time and approved it for pay period XXXX. I was charged for LWOP when I was officially on approved sick leave. XXXX XXXX colluded with the Department of Treasury under XXXX for the fraudulent amount of {$4900.00}.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint to request the Consumer Financial Protection Bureaus assistance regarding a debt collection issue that may be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

I received a collection notice from Jefferson Capital Syst, regarding an alleged debt with the following details : Creditor/Original Lender : XXXX XXXX XXXX Account Number XXXX Amount Allegedly Owed : {$2600.00} Date of Initial Contact/Notice : XX/XX/year> On XX/XX/year>, I submitted a written request for debt validation to the collector under Section 809 of the FDCPA, requesting that they provide the following : Proof that I am legally obligated to pay the alleged debt A complete breakdown of the amount they claim I owe A copy of the original contract or agreement bearing my signature ( if applicable ) Proof that the collection agency has the legal authority to collect on this debt To date, I have not received sufficient validation, and the collector has either continued to pursue collection efforts or reported the debt to the credit reporting agencies without proper verification, which may constitute a violation of federal law. 


I respectfully request the CFPB investigate this matter and ensure the debt collector : Ceases collection activity until the debt is properly validated Removes any unverified or inaccurate information reported to the credit bureaus Provides a written response outlining how they have complied with the FDCPA and FCRA I am requesting that this issue be reviewed and resolved as soon as possible. Thank you for your attention and assistance. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: OH

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 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 2025-06-25 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: SC

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-25 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-25 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-25 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX is a credit card that pays monthly rent, enabling the customer to build credit and gain points. 

I had used XXXX since XXXX. In XX/XX/XXXX, I froze my connected XXXX account due to unrelated fraudulent transaction- this prevented XXXX from accessing funds from my XXXX account through their XXXX arrangement - therefore, they did not pay my rent. 

However, their attempt to pay my rent showed as a debit on the Wells Fargo account connected to the XXXX card. 

I paid this debit with an ACH on-off payment from XXXX, not realizing the rent had not been paid. 

I repeated this process in XXXX and XX/XX/XXXX, paying the debit showing in the connected Wells Fargo account - this debit displayed due to a time delay between the attempted rent payment by XXXX. Initially not realizing my rent had not been paid, I paid my rent in person with a check from my XXXX account. 

I paid my rent in person, and also paid the balance in the Wells Fargo account- so I paid my rent twice. 

Now, Wells Fargo has been claiming that I owe them {$19000.00}. 

In fact, they owe me {$11000.00} for the ACH payments I made for the incorrect balances paid off in the Wells Fargo account. 

I assumed this would be easily resolved, as it is a simple accounting issue- I overpaid XXXXWells Fargo because there was a disconnect between the CapitalOne account, Bilt and Wells Fargo XXXX I requested they return the funds and restart the autopay. 

Instead, several months have passed of fruitless phone calls and correspondence (, with XXXXWells Fargo closing my accounts ( removing access to the billing statements ), reporting to credit agencies that I am " delinquent in payments '' for {$19000.00}, harming my credit score. I have spent approximately XXXX hours on the phone with reps XXXX and XXXX on XXXX XXXX, XXXX XXXX, and dates in XXXX and XXXX. 

On XX/XX/XXXX, Wells Fargo debited {$18000.00} from my XXXX account, falsely described as an automatic payment - I did not set up this automatic payent and disputed the transaction with XXXX. 

I am seeking outside assistance as I do not feel Wells Fargo is engaging in a good faith attempt to resolve this issue, and I am concerned that they withdrew funds from my XXXX  account without my knowledge. They owe me, I do not owe them, it is surreal to not be able to swiftly resolve this fact.

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 2025-06-25 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: CA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief