vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
Lakeview Loan Servicing LLC stole the identity of consumer for unjust gains. Consumer NEVER signed any contract to do business with this company. When asked for validation of the alleged debt that they decided to sue the consumer over, they refused to provide the information. Plainly, the company saw an opportunity to steal the identity of the consumer, bought old paperwork for pennies on the dollar to present on a fraudulent foreclosure case and no matter what the consumer did to prove the fraud, the rogue judges at the XXXX XXXX XXXX located at XXXX XXXX XXXX  just went along with the fraud which proved collusion in a case where both parties received unjust gains probably ranging into the billions of dollars. They continue to harass the consumer with threats over a debt that was already settled. According to 15 USC 1692 ( a ) ( 4 ) -creditor aka " consumer '' [ Proves Consumer as the Original Creditor ] as the consumer answers the question " who created the debt? '' Creditor means ANY living, flesh and blood man/woman who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged " creditors '' because it does not include any " person '' ( all companies are " dead entities '' ) who receives an assignment and the only signature on all documents is the consumer 's, not this debt collector. Consumer extended the " credit '', which makes the CONSUMER the original creditor in fact. Plus, the consumer conducted research on any liens connected to her " name '' and NO Liens were found! This so-called company thinks its above the law and doesn't have to adhere to United States Codes , The Constitution, or the Bill of Rights et al. But most importantly, they don't think they have to follow God 's Laws against theft and coveting other people 's property.

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 2025-03-26 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: CA

Complaint narrative:
This is a follow-up complaint to XXXX that I filed on XX/XX/XXXX regarding unauthorized hard inquiries on my Equifax credit report, which were initiated without my consent or a permissible purpose under the Fair Credit Reporting Act ( FCRA ). Equifax responded on XX/XX/XXXX with a generic message that fails to address the legal foundation of my complaint or the specific inquiries listed.

Applicable Legal Violations : 15 U.S.C. 1681b ( f ) Prohibits accessing a consumers credit report without a permissible purpose.

15 U.S.C. 1681i ( a ) Requires that CRAs reinvestigate disputed information within 30 days.

15 U.S.C. 1681e ( b ) Requires maximum possible accuracy of all reported information.

Cole v. U.S. Capital , Inc., 389 F.3d 719 ( 7th Cir. 2004 ) Pulling a credit report without a firm offer of credit is a violation.

Pintos v. Pacific Creditors Ass'n, 605 F.3d 665 ( 9th Cir. 2010 ) Debt collectors and auto finance firms must have a consumer-initiated transaction to lawfully pull credit. 

XXXX position that inquiries are a matter of fact and must remain for XXXX years is not consistent with the FCRA, especially when the inquiries in question are unauthorized and/or obtained illegally. 

Disputed Inquiries to Be Removed : These inquiries do not have my consent, and no loan, service, or credit transaction was initiated by me with these companies on or around the dates listed : 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 XXXXXX/XX/XXXX ( appears twice ) XXXX XXXX XXXX XX/XX/XXXX XXXX Suffered : These inquiries are lowering my credit score. 

They create an appearance of credit-seeking behavior I did not initiate. 

The continued reporting of these unauthorized pulls opens me up to identity theft risk, fraud alerts, and denials of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: KY

Complaint narrative:
Tried reaching out to the school they refused to speak with me or refund me. 
Falsely & fraudulently were clocking me in & out when I wasnt enrolled in the appropriate classes. Theyre harassing me from # s demanding i send them payments I dont owe threatening me to sue, etc.

Privacy Act 1974, as amended 5 U.S.C. 552a.

FERPA violation Higher Education violation My personal and financial data was compromised, violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
after reviewing my Credit reports across all 3 Bureaus i notice inaccuracies with my account. XXXX is reporting deferent open account dates on all XXXX accounts. The inaccurate open dates are negatively impacting my credit score, as the incorrect dates may imply that I have had accounts open for a shorter period of time than I actually have, or they may indicate that I opened accounts more recently than the actual date. This misrepresentation of account history is unfair and detrimental to my creditworthiness. Dates being reported are XX/XX/year> for Transunion, XX/XX/year> for Experian and nothings being report for 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 2025-03-26 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: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-27 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: NV

Complaint narrative:
I am writing to formally request your assistance in correcting inaccurate information that is being improperly reported on my credit report. Despite my efforts to resolve this issue with the credit reporting agencies and the original furnisher of the information, the inaccuracies remain and are negatively impacting my credit profile. Details of the Dispute : Credit Reporting Agencies Involved : [ Equifax, XXXX, XXXX ] Incorrect Information Being Reported Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information. Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report accurate data. The failure of [ credit bureau/furnishers name ] to correct this information constitutes a violation of federal law. Requested Resolution : I kindly request that the CFPB : 1. Investigate this matter and ensure that the credit bureaus and/or furnisher comply with federal laws. 2. Require the removal or correction of the inaccurate information. 3. Ensure that I receive an updated copy of my corrected credit report. I have attached supporting documents, including my dispute letters, responses from credit bureaus, and any relevant account statements. I appreciate your prompt attention to this matter, as these inaccuracies are affecting my financial stability. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-03-26 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: NY

Complaint narrative:
XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX ON XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX ON XXXX are inaccurate and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
OXXXX XXXX XXXX XXXX XXXX XXXXXXXX violated FCRA Laws 15 USC 1681i ( a ) ( 5 ) with the reinsertion of items that had been deleted. From creditors that had also violated 15 USC 1681i ( a ) 1 and 15 USC 1681a 6B 3. These accounts were removed due to fraud. These accounts have not been validated by creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX XXXX XXXX 2025 Experian violated FCRA Laws 15 USC 1681i ( a ) ( 5 ) with the reinsertion of items that had been deleted. From creditors that had also violated 15 USC 1681i ( a ) 1 and 15 USC 1681a 6B 3. These accounts were removed due to fraud. These accounts have not been validated by creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: AL

Complaint narrative:
I have called XXXX XXXX for this account. It was overt an internet router that they sent me two and I had called multiple times to get a label to send back the product because the stores wouldnt accept it. Time moved forward and I finally got the labels but I became homeless long story short I found my labels again called back XXXX got the info to send back the product but they have not updated there records to remove this account even though I have called and let them know I sent the product back and asked them to remove the negative item but nothing has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NV

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
In XXXX my account was hacked 4 transactions were made from XXXX online and we were out of town. They took the transactions off but then 3 months later reversed one of the 4 They said a package was delivered but we did not receive we were out of town. I made no purchases from XXXX these 4 transactions were all done at same time. It was fraud plain and simple.

I have no emails of any purchase transaction this clearly was fraud and I am not a XXXX customer.

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 2025-03-27 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: World Acceptance Corporation
State: TX

Complaint narrative:
I did not authorize this inquiry or opening of account nor do I have any recollection of applying for credit with this company. Under the Fair Credit Reporting Act ( FCRA ), any hard inquiry must be authorized by the consumer. Since I did not grant permission for this inquiry, I am requesting its immediate removal from my credit report.

Please consider this letter as my formal request for the removal of this unauthorized hard inquiry. Additionally, I request that you provide written confirmation once the inquiry has been successfully removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/year>, I received an email from XXXX  support stating that my account has been suspended. They requested additional information to verify my identity, which I did provide via the link they sent me in the email. On XX/XX/year>, I get a follow-up email from them saying my account has been permanently deactivated. I have called and chatted with their support a handful of times, and they are no help ; they can't even tell me the reason why I am deactivated forever. I have been a user with them for over XXXX years, and I look forward to continuing to use their service. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: IN

Complaint narrative:
Jefferson Capital Systems LLC has called a reference for me. They have left messages with that third party. The reason I am contacting the CFPB today is because they are now sending text messages to that third party disclosing that I owe a debt. The text message state that this is an attempt to collect a debt and offer a 25 % reduction. The number they are texting has never been associated with any of my accounts. They called the number before looking for me so they know it's a reference, not a known number for me. I called them today and they advised that they send text to numbers until they can verify that it's the wrong number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: LEXISNEXIS
State: TX

Complaint narrative:
I requested a freeze from XXXX XXXX and lexisNexis and I was told it would take 30 days and I would like my request to be escalated considering I didnt give them permission to utilize my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: NV

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX Account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

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 2025-03-26 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: NY

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-03-27 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: TX

Complaint narrative:
I recently discovered multiple inaccuracies on my report, and I am extremely frustrated by the impact they are having on my scores. These errors are making it harder for me to secure financial opportunities, and it is completely unfair that I have to suffer due to incorrect or outdated information.

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