vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
XX/XX/XXXX I submitted a request to Lakeview ( XXXX ) to remove PMI as I am at 75 % LTV and supplied a Brokers Price Original ( BPO ). I received a rejection letter stating that I have to pay them {$190.00} for a BPO. I find this unacceptable. I have never been delinquent and often pay 2 weeks early for the mortgage payments. Since I am well below the 78/80 % requirement to request PMI cancellation, I can't understand why 'policy ' would necessitate further expense on my part when the BPO I have supplied is : 1 ) recent 2 ) acceptable and 3 ) comparable to what they would order Please, I ask for a resolution and/or clarification.

I live in Florida.

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 2025-10-22 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:
THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION AND IS FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to EXPERIAN, EQUIFAX, and TRANSUNION for the past few months and NO ONE has answered because I have this account XXXX Account number XXXX  that was PAID and all the payments were deducted from my checking account and all payments were made on time. The months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX are FALSELY reflecting as late. I attached proof of all the bank statements showing the PAYMENT TRANSACTION HIGHLIGHTED on time. Experian is Violating FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). I attached the last 2 letters I sent and NOTHING HAS BEEN DONE. I'm very MAD, and frustrated. I attached what Experian is reporting with the account information.

I need these 10 FALSE late payments for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX to be removed from my credit report XXXX Account number XXXX Opened : XX/XX/year>

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to EXPERIAN, EQUIFAX, and TRANSUNION for the past few months and NO ONE has answered because I have this account XXXX Account number XXXX  that was PAID and all the payments were deducted from my checking account and all payments were made on time. The months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX are FALSELY reflecting as late. I attached proof of all the bank statements showing the PAYMENT TRANSACTION HIGHLIGHTED on time. Experian is Violating FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). I attached the last 2 letters I sent and NOTHING HAS BEEN DONE. I'm very MAD, and frustrated. I attached what Experian is reporting with the account information.

I need these 10 FALSE late payments for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX to be removed from my credit report XXXX Account number XXXX Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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 filing this complaint against Equifax and TransUnion for continuing to report an account that has already been deleted from XXXX 

The account in question is : Credit Card XXXX XXXX  XXXX Account # XXXX This tradeline was deleted from XXXX as of XX/XX/year>, after their investigation determined it was inaccurate and unverifiable. Despite that, Equifax and TransUnion continue to report this same account as a charge-off, creating a cross-bureau inconsistency that directly violates the Fair Credit Reporting Act ( FCRA ) and the Metro 2 accuracy standards. 

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. When one bureau removes a tradeline due to verified inaccuracy, the continued reporting of that same item by others demonstrates a failure of internal verification systems and unreasonable procedures under federal law.

Additionally, 15 U.S.C. 1681i ( a ) requires every bureau to conduct an independent reinvestigation when a consumer disputes inaccurate information. Equifax and TransUnion appear to have relied solely on automated furnisher responses rather than performing any true verification or cross-referencing with XXXX deletion records a clear violation of their duty to ensure accuracy.

FCRA 611 and 623 also establish that once a bureau or furnisher becomes aware of an inaccuracy, it must update or delete the data across all repositories. Their continued publication of a tradeline already found invalid constitutes willful noncompliance under 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I am disputing the following unauthorized hard inquiries and inaccurate personal information appearing on my credit report. 
Firstly, I am disputing the hard inquiries from XXXX Miscellaneous Department XXXX XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX XXXX. I did not apply for credit with these companies, nor did I provide written authorization for them to access my consumer report. These inquiries were made without my consent and violate 15 U.S.C. 1681b ( 2 ) of the Fair Credit Reporting Act, which requires consumer consent before furnishing a report. These unauthorized inquiries are damaging to my credit score and were obtained without a permissible purpose. I demand that these inquiries be deleted from my file immediately, and I request written confirmation once the deletions have been completed. Secondly, I am disputing the inaccurate address, XXXX XXXX XXXX, XXXX, MA XXXX, which is listed on my credit report. I do not reside at this address and never authorized its use on my consumer file. Reporting or maintaining this incorrect address violates the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy. I request the immediate deletion of this incorrect address and confirmation once the update has been completed. I expect a prompt resolution and confirmation of these deletions within the required time frame. Thank you for your 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 explanation
Consumer complaint received 2025-10-22 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: MI

Complaint narrative:
Dear CFPB, I am filing this formal complaint regarding multiple inaccuracies and unverified information on my credit report. These errors are significantly impacting my financial credibility and causing undue stress. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, I am entitled to have all information on my credit report verified and accurately reported. I request that CFPB investigate these matters immediately and enforce correction or removal of the inaccurate information. 
Incorrect Addresses on My Credit Report : XXXX XXXX XXXX, XXXX XXXX, MI XXXX I have never resided at this address. 
XXXX XXXX XXXX, XXXX XXXX, MI XXXX This address is not associated with me in any capacity. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX I have no connection to this property. 
Disputed Accounts ( High Balance & Open Date in single line ) : XXXX XXXX XXXX XXXX XXXX XXXX  ) High Balance : {$0.00} | Date Opened : XX/XX/year> | Issue : Late Payment I have never made a late payment on this account. The reporting of late payment is inaccurate and misleading. I request correction of this account to accurately reflect my timely payment history. 
XXXX XXXX XXXX ( XXXX ) High Balance : {$23000.00} | Date Opened : XX/XX/year> | Issue : Charged Off I have no knowledge of any charge-off with this account. Reporting this without verification is a violation of FCRA 1681i ( a ), which mandates that all reported information be accurate and verifiable. I demand the immediate removal of this account from my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX ) High Balance : {$0.00} | Date Opened : XX/XX/year> | Issue : Late Payment I dispute the characterization of this account as late payment. I have never missed or delayed any payments. Please correct the reporting to reflect accurate payment history. 
The inaccuracies described above have caused significant harm to my financial reputation and opportunities. I request that CFPB enforce investigation and ensure correction or removal of all disputed items. I also request written confirmation of the investigation results, as required by FCRA 1681i ( a ) ( 6 ).

Enclosed are copies of my identification and proof of current residence to assist in verification.

Thank you for your immediate attention to this urgent matter. I expect prompt action in accordance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Sum Investments, Inc.
State: CA

Complaint narrative:
My vehicle was stolen, I called the finance company to verify to see if the vehicle was repossessed before I went through with the police report, they stated no just a past due balance. Fast forward to XX/XX/XXXX the finance company sent out an order for a repossession, when the car still hadnt been found by the police. On Time financial never had any correspondence with law enforcement about the vehicle to verify that is was stolen, instead they took it upon they self to repo the car and not inform anyone after it was previously brought to their attention that the car was stolen. Now they are charging a XXXX dollar repossession fee on a stolen vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I was actively disputing charges on my account. During this time, the creditor continued to apply late fees, finance charges, and reported negative information to the credit bureaus despite being prohibited from doing so under the Fair Credit Billing Act ( 15 U.S. Code 1666b ).

In addition to the federal violations, I am a New Jersey resident, and this conduct also violates the XXXX XXXX  Consumer Fraud Act ( XXXX XXXX XXXX XXXX XXXX, which protects consumers from unconscionable business practices, including deceptive billing and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that are causing me significant financial and emotional harm.

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 2025-10-22 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-10-22 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXXXXXX 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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
The company is reporting negative remarks on my credit report ( all 3 bureau ). None of the information being reported is correct. When I contacted the company, they confirmed that don't have an account in their system that belong to me. They apologized and didn't have a date as to when they can be removed from my credit report. This has caused significant financial hardship. I am not able to secure credit to secure my family. They have ruined my financial character to creditors for years.

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 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: WI

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : XXXX XXXX Reporting Inaccurate Collection Accounts for a Minor Details : My name is [ Your Full Name ], and I am submitting this complaint because XXXX XXXX has reported collection accounts that do not belong to me. These accounts have been placed with LJ Ross Associates ( {$3000.00} ) and Online Information Services ( {$610.00} ), and they are appearing on my credit report.

The alleged collection accounts are dated XX/XX/XXXX and XX/XX/XXXX. However, I was born on XX/XX/XXXX, which means I was XXXX XXXX XXXX in XX/XX/XXXX and XXXX XXXX XXXX in XX/XX/XXXX. I was not legally eligible to open a utility account with XXXX XXXX  at those times. 

The address associated with the accounts is XXXX XXXX XXXX, XXXX, Wisconsin. I did live at that address with my family when I was a child ( approximately ages XXXX to XXXX ), but I never opened any utility accounts in my name. Therefore, these debts are not mine. 

This inaccurate reporting has caused serious harm to my credit and is preventing me from qualifying for a mortgage to purchase my first home. I have reached out to the collection agencies and XXXX XXXX but the accounts have not been removed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
I am filing this follow-up complaint because Experian verified a XXXX  XXXX account ( ending in XXXX ) without obtaining or providing proper documentation as required by the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX  written response to my original CFPB complaint confirms the account was opened online and that no signed credit application exists. Despite this, Experian continues to report the account as accurate, which is false, unverifiable, and incomplete. 

This violates : 15 U.S.C. 1681i ( a ) failure to conduct a reasonable reinvestigation, 1681i ( a ) ( 6 ) ( B ) ( iii ) failure to provide method of verification, and 1681s-2 ( b ) furnishers duty to verify only with original records.

I am requesting CFPB intervention to compel Experian and XXXX XXXX to : XXXX. Provide documentary evidence verifying the accounts validity ( including a signed contract ), or XXXX. Permanently delete the unverifiable account from all credit files. 



I have attached the following supporting documents : XXXX XXXX response letter ( dated XX/XX/year> ) Experian verification result notice ( if available ) This accounts reporting is causing direct harm to my credit profile and financial opportunities. I request immediate enforcement action and correction under FCRA.

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 2025-10-22 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: PA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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