vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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 discovered an unauthorized and inaccurate collection account on my credit report from Experian associated with XXXX XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, Experian has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary 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 2025-02-21 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: AXOS FINANCIAL, INC.
State: IL

Complaint narrative:
CFPB Complaint AXOS Bank Illegal Credit Reporting Complaint Title : AXOS Bank Violates FCRA by Re-Aging Debt & Incorrectly Reporting 180-Day Late Payments Since XXXX Company Name : AXOS Bank Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$32000.00} Past Due Amount : {$16000.00} Credit Bureau Reporting Errors : XXXX Issue Summary : AXOS Bank has been falsely reporting my auto loan as 180 days past due every month since XXXX through XX/XX/XXXX without properly classifying the account as charged off or transferred to collections. This violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 and XXXX XXXX compliance standards.

Under standard lending practices, an account 180+ days past due should be charged off or assigned to collectio
ns, but AXOS continues updating fresh late payments every month, artificially harming my credit score. This is illegal re-aging of debt, which unlawfully extends the reporting period.

Additionally, AXOS has not provided proof of ownership, balance verification, or XXXX XXXX compliance documents, making this tradeline inaccurate, incomplete, and unverifiable under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed several disputes with the company from XXXX asking for all accounts highlighted to be removed off my credit report due to inaccuracies and unauthorized inquires in accordance of FCRA Section 605B and 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed several disputes with the company from XXXX asking for all accounts highlighted to be removed off my credit report due to inaccuracies and unauthorized inquires in accordance of FCRA Section 605B and 15 U.S.C. 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
There is a derogatory mark left on my credit report involving a LVNV account in the account off {$1900.00} in reference to an identity theft case matter. Where as it states under law codes 15 .U.S.C and 16 81/2 | did not consent to them not having the right to furnish any information occupying my credit report open due to identity theft. Neither did I give them permission to furnish this information to my credit report involving reference to law codes 15 U.S.C and 1618 B and would like this derogatory mark removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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 reaching out to express serious concerns about multiple issues I have encountered with the credit bureau. After reviewing my credit report, I discovered several inaccuracies, including false account listings and unauthorized inquiries. These discrepancies are negatively affecting my financial security, and I seek your prompt assistance in resolving them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I want to know if I would be able to purchase the property I sent a payment to all of the representatives involved I have a copy of my certified receipt for my maintenance and for the mortgage I walked into the WAMU bank on XXXX XXXX  close to my house I have mailed all of my past due maintenance payments with a corporate check from The XXXX XXXX, XXXX prior it becoming a preforeclosure. I called the attorney and to no avail. I was unable to contact him because his phone is disconnected. My credit is in such disrepair I'm unable to purchase a new home. Due to a disgruntled tenant, I had to mail the maintenance and mortgage payments directly through the post office with a green return receipt with a signature required at acceptance. Given the situation, it's crucial to gather all relevant documents and evidence of payments made. Next, consider consulting with a new attorney who specializes in real estate or foreclosure to help navigate the legal complexities. Additionally, contacting a financial advisor could provide guidance on improving your credit and exploring other options for purchasing a home.This approach ensures that all transactions are documented and legally binding. Additionally, maintaining a record of all communications and transactions can be beneficial if further legal action is required.This approach ensures that all transactions are documented and legally binding. Additionally, maintaining a record of all communications and transactions can be beneficial if further legal action is required. In the meantime, exploring alternative housing options, such as renting or co-living arrangements, may provide temporary relief while working on improving your credit. The XXXX XXXX XXXX for the full balance due on the mortgage was I made XXXX payment {$1500.00} {$1500.00} ( XXXX ) in the XXXX XXXX XXXX  on XXXX XXXX XXXX including the maintenance if i'm not mistaken. I will send some of the certified receipt from the post office XX/XX/year> Check # XXXX {$5500.00} sent certified return receipt Please remove the credit complaint against the XXXX XXXXXXXX XXXX XXXX XXXX I wanted to remove the credit issue I have please help me with this I m so baffled the remaining balance on the maintenance should be a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: UT

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XX/XX/XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name :XX/XX/XXXXXXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXX/XX/XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXX/XX/XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXX/XX/XXXX XXXX XXXX # XXXX - DATE OPENED XX/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 2025-02-21 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: FL

Complaint narrative:
I am writing to inform you that I was affected by the data breach that occurred in 2017, as confirmed by your records. This breach resulted in the exposure of my sensitive personal information, including my Social Security number, date of birth, and address. As a result of Equifax 's negligence in protecting my data, there may have been possible identity theft, leading to unauthorized accounts appearing on my credit profile.

I demand that all negative accounts be removed from my credit profile immediately. I am not authorizing any disputes to be initiated with the furnishers of these negative items. Equifax is solely responsible for the breach and any resulting harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear EQUIFAX, I am writing to formally dispute inaccurate information that appears on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax for its failure to properly investigate consumer disputes citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that failed to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being reported : 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 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear EQUIFAX, I am writing to formally dispute inaccurate information that appears on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax for its failure to properly investigate consumer disputes citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that failed to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being reported : 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 2025-02-21 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: IL

Complaint narrative:
There was a data breach in Equifax my information was compromised, I was a victim of identity theft and my information again was compromised. I notified the company of my issues which they resolved only a few items related to the fraud however, they decided to leave inquiries I reported directly connected with unauthorized inquiries into my consumer report. XXXXXX/XX/XXXX, 2024 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/scrub> 2024 XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XX/XX/scrub> 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX, 2024 XXXX XXXX, and XX/XX/year>2024 XXXX XXXX XXXX XXXX XXXX All these companies are in direct violation of my consumer rights 15 USC 1602P, 18 USC 1028A. 15 USC Section 602 A. Clearly states that I have a right to privacy. 15 USC 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not authorize anyone employed by any of the listed corporations to make such an inquiry and view my credit report. My rights have been violated according to the Fair Credit Reporting Act Section 1681 ( c ). They are not legally entitled to make the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
Hi my name is XXXX XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer.

**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization.

**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**.

**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law.

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next XXXX business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of 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 non-monetary relief