vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I filled a dispute on the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to Laws 15 USC 6802 : Financial institutions can not disclose nonaffiliated consumer information unless they provide a notice to the consumer, allowing them to opt-out & 15 USC 1681b : Defines permissible purposes for accessing consumer credit reports, such as for credit, employment, or insurance. & 18 USC 1028A : Criminalizes producing or using false identification documents without lawful authority My rights are in CLEAR Violation. 

I requested they immediately cancel, discharge and remove this debt as I have no federal obligation to this debt. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information and failure to notify consumer dispute results. This aligns with my situation! This is stopping me from being able to purchase a home. XXXX has not attempted to remove, nor correct any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I filled a dispute on the following accounts : XXXX XXXXXXXX & CREDIT ACCEPTANCE CORPORAT : XXXX According to Laws 15 USC 6802 : Financial institutions can not disclose nonaffiliated consumer information unless they provide a notice to the consumer, allowing them to opt-out & 15 USC 1681b : Defines permissible purposes for accessing consumer credit reports, such as for credit, employment, or insurance. & 18 USC 1028A : Criminalizes producing or using false identification documents without lawful authority My rights are in CLEAR Violation. 

I requested they immediately cancel, discharge and remove this debt as I have no federal obligation to this debt. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information and failure to notify consumer dispute results. This aligns with my situation! This is stopping me from being able to purchase a home. XXXX has not attempted to remove, nor correct any 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 explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Credit Reporting Agencies for Noncompliance with Identity Theft Laws Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding the failure of the credit reporting agencies and data furnishers to remove fraudulent accounts from my credit report and update my personal information as required under federal law. 

1. Identity Theft and Fraudulent Accounts I am a victim of identity theft, which has led to the unauthorized opening of accounts in my name. Despite multiple requests to block and remove these fraudulent accounts, the credit reporting agencies have failed to take the necessary actions. Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile, further supporting my claim of identity theft. 

2. Failure to Update Personal Information Despite my repeated requests, my personal information remains outdated and incorrect. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ). The following information requires immediate correction : Legal Name : My credit report should only display " XXXX XXXX. '' Address Update : The only valid address to remain on file is XXXX XXXX XXXX, XXXX, MI XXXX. All other addresses must be removed as I no longer reside at or have access to them. 

Phone Numbers : Remove all phone numbers currently listed on my report. 

Social Security Number & Date of Birth : My Social Security number and date of birth should not be displayed on my credit report for privacy reasons. 

Employer Information : Delete all employer information listed on my report. 

XXXX. Data Breach Impact and Negligence My personal information was compromised in several major data breaches, including : Equifax breach ( XXXX ) XXXX XXXX Social Security numbers, DOBs, and addresses exposed. 

XXXX breach ( XXXX ) XXXX XXXX records leaked, including passport numbers. 

Experian breach ( XXXX ) Millions of Social Security numbers and credit histories exposed. 

Due to these breaches, my identity was stolen, and fraudulent accounts were opened in my name. The credit bureaus failed to take proper action despite repeated fraud alerts and disputes. 

4. Legal Violations The credit reporting agencies and data furnishers have violated multiple provisions of the FCRA and other federal statutes, including : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard personal data.

15 U.S.C. 1681s-2 Failure to ensure accuracy in 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 explanation
Consumer complaint received 2025-03-02 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: TX

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
I am submitting this complaint regarding the inaccurate and incomplete credit reporting by TransUnion. I previously sent a dispute letter XX/XX/XXXX, which is dated and time-stamped, yet the disputed information has not been validated or corrected, and it is still inaccurately reporting on my credit file. 

The following accounts contain erroneous late payment entries XXXX XXXX ( Account # : XXXX ) Late payments reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX ( Account # : XXXX ) Late payments reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX According to federal law ( 15 U.S. Code 1681a, 15 U.S. Code 1681a-1, 15 U.S. Code 1666b ) , late payments should not be reported without explicit consent, and my report should not include transactions or experiences that I have not authorized.

These inaccurate late payments are negatively impacting my credit and violating my consumer rights. I request immediate removal of these late payments and for my credit file to reflect accurate and verified information. I have attached supporting documentation as evidence of the errors. 

Please correct this reporting within 14 days, or I will escalate this matter further.

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 2025-03-02 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: FL

Complaint narrative:
am writing to formally dispute inaccurate information 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 XXXX 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 fail 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My personal information was exposed in a data breach So I would like this to be off my credit Because I didnt consent with my personal information getting exposed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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.

Complaint narrative:
In according 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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate And according to the fair credit reporting act whenever a consumer Reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC1681 ( e x b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed

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 2025-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
CFPB We started the process of refinance with XXXX XXXX  in XX/XX/XXXX and closed in XX/XX/XXXX. XXXX XXXX  sold a batch of mortgages to Mr. Cooper in XX/XX/XXXX. Our old mortgage with XXXX XXXX  # XXXX / 6.583 % was in that batch per Mr. Cooper and XXXX XXXX  after 80 days of trying to see how we had an outstanding mortgage. We closed on the refinance with XXXX XXXX  with new loan # XXXX / 5.75 % ( loan XXXX XXXX XXXX ) in XX/XX/XXXX. The closing document stated that the first payment was due on XX/XX/XXXX with XXXX XXXX. As of today, all payments have been made to XXXX XXXX  and the account is current. 

There has been no clear path with the XXXX XXXX, Mr. Cooper and XXXX XXXX regarding this issue. It has been very stressful, frustrating and confusing on who to believe or who is at fault. We have continued to keep in contact with all parties to see if anyone can resolve this issue. It is impossible to hold XXXX mortgages for the same house with XXXX different legal closing documents dated XXXX and XXXX. 

We continue to get none-stop calls daily, letters, and emails. The harassment from Mr. Cooper regarding payment which we are following the closing document XXXX to XXXX XXXX. This has been over 90 days of unresolved issues with XXXX XXXX, Mr. Cooper and XXXX XXXX. I feel that this issue should compensate us and resolve any misunderstanding or miscommunication so that we can manage our mortgage without fear of losing ( foreclosure ) what we have worked hard to have with all payments paid on time. It is indicated in my credit report that my credit has been impacted by XXXX points and Im requesting that the loss of credit points be restored, as well as XXXX/Mr . Cooper be removed from my credit report, cease and desist all communication regarding this loan matter. 

After Mr. Cooper requested that we pay a balance of {$1600.00}. On XX/XX/XXXX, we received a letter from Mr. Cooper congratulations, your loan is fully paid off. 

I am requesting compensation of no less than XXXX. This matter has caused hardship and misreporting to the XXXXredit Reporting Agencies ( CRAs ), requesting restoration of XXXX points and the removal of XXXX/Mr XXXX XXXX from my credit report. 

I am requesting compensation of no less than XXXX. This matter has caused hardship and misreporting to the Credit Reporting Agencies ( CRAs ), requesting restoration of XXXX points and the removal of XXXX/Mr XXXX Cooper from my credit report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
VICTIM OF IDENITY THEFT PLEASE REMOVE FROM CREDIT REPORT

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 2025-03-02 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: TX

Complaint narrative:
I am submitting this complaint regarding the inaccurate and incomplete credit reporting by Equifax. I previously sent a dispute letter XX/XX/XXXX, which is dated and time-stamped, yet the disputed information has not been validated or corrected, and it is still inaccurately reporting on my credit file. 

The following accounts contain erroneous late payment entries : XXXX  ( Account # : XXXX ) Late payments reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX ( Account # : XXXX ) Late payments reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX According to federal law ( 15 U.S. Code 1681a, 15 U.S. Code 1681a-1, 15 U.S. Code 1666b ) , late payments should not be reported without explicit consent, and my report should not include transactions or experiences that I have not authorized. 

These inaccurate late payments are negatively impacting my credit and violating my consumer rights. I request immediate removal of these late payments and for my credit file to reflect accurate and verified information. I have attached supporting documentation as evidence of the errors. 

Please correct this reporting within 14 days, or I will escalate this matter further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
am writing to formally dispute inaccurate information 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 XXXX 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 fail 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.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are multiple addresses on my credit report the address is XXXX XXXX XXXX XXXX, XXXX XXXX it appears multiple times on my credit reports and I would like the address to appear once.

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 2025-03-02 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-02 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: TX

Complaint narrative:
I had this discover card and it was charged off closed by the bank. we both agreed upon a monthly payment to payoff whatever the balance is. The agreement was to pay monthly {$310.00} every month until XXXX XXXX which i am paying every month. I have attached the payment proof. I have been paying every month of XXXX. but for some reason discover have been sending wrong report to credit bureaus as missed payments. Since XX/XX/XXXX my payment plan started and have been paying on time every month. but they have been sending reports to bureaus as late payment. The latest update is till XX/XX/XXXX and it says late.. no. Thats incorrect. I can fight this on the court with lawyer too because i have every proof.. I have attached the credit bureaus report and also the proof i have been paying on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: NY

Complaint narrative:
My Equifax score is not reflecting on myXX/XX/XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of a data breach. My address is XXXX XXXX XXXX XXXX, Michigan XXXX. All other listed addresses are over 10 years old and should be removed

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of a data breach. My address is XXXX XXXX XXXX XXXX, Michigan XXXX. All other listed addresses are over 10 years old and should be removed

Company response to consumer: Closed with non-monetary relief