vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
What happened? 
On or around XX/XX/2025, I submitted a formal dispute to XXXX regarding the unlawful and unauthorized reporting of a XXXX XXXX XXXX XXXX account ( Account # : XXXX ). This entry was reported on my consumer credit file without my consent or a legally valid permissible purpose, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and federal privacy laws. 

I never authorized XXXX to maintain or furnish a credit report to XXXX XXXX XXXX XXXX for this transaction. Under 15 U.S. Code 1681b, a credit report can only be provided if there is a permissible purpose which was never established in this case. Additionally, under 15 U.S. Code 1681c-2, any data resulting from identity theft must be blocked upon dispute and submission of supporting documentation. I have already submitted a formal written dispute and expect full legal compliance. 

Despite prior disputes, XXXX  has continued to issue evasive responses stating the account was verified or updated without producing proof of permissible purpose or documentation with my signature authorizing such inquiry or account. This is a violation of XXXX U.S. Code 1681i, which requires a reasonable reinvestigation and deletion if the information can not be verified.

I consider this continued reporting to be willful noncompliance, damaging to my credit reputation, and an ongoing breach of federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights.

The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : 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 non-monetary relief
Consumer complaint received 2025-06-04 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AXIA FINANCIAL, LLC
State: MT

Complaint narrative:
Axia Home Loans has failed to apply our 100 % VA XXXX veteran tax exemption and updated homeowners insurance to our escrow account, despite receiving complete documentation starting XX/XX/year>. 

We have submitted multiple formal requests to update our escrow, audit past payments, and refund the overage. They have repeatedly delayed action, ignored audit requests, and continued overcharging us by hundreds of dollars monthly. 

Their conduct appears to violate RESPA ( 12 CFR 1024.17 ), especially sections : ( f ) : Escrow surplus refund requirements ( i ) : Borrower audit rights ( k ) : Obligation to recalculate escrow based on material tax changes We are seeking immediate : 1. Escrow recalculation 2. Full audit of prior escrow activity 3. Refund of overpayment Documentation attached.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX SS # XXXX XXXX  Experian XXXX XXXX XXXX XXXX TX XXXX Subject : Goodwill Adjustment Request for Late Payments I hope this message finds you well. I am writing to respectfully request a goodwill adjustment regarding some late payments reported on my account : XXXX : Account Number XXXX XXXX XXXX : Account XXXX XXXX : Account XXXXXXXX XXXX XXXX  Account Number : XXXX I understand the importance of making timely payments, and I sincerely regret the late payments that occurred on my account on XX/XX/XXXX. These delays were not intentional, the reason for this late payment was due I unexpectedly lost my job I was unable to keep up with my monthly payments. In addition, I suffered a significant financial loss that left me unable to meet my obligations at the time. Since then, I have taken significant steps to ensure that all future payments are made on time and have maintained a consistent payment record. 
I have been a loyal customer and value my relationship with your institution. I respectfully ask that you consider removing the late payments from my credit report as a gesture of goodwill. This would make a meaningful difference in my credit profile, especially as I work toward improving my financial health and stability. 
Please know that this request is not intended to dispute the accuracy of the information, but rather to ask for leniency based on my overall record and improved financial management. 
Thank you for your time and consideration. I would deeply appreciate any positive action you can take on my behalf. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MO

Complaint narrative:
Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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 Consumer Financial Protection Bureau, I am writing to file a formal dispute and complaint regarding a derogatory item that continues to appear on my credit report, despite multiple previous efforts to have it corrected and/or removed. 

The account in question is as follows : Debt Collector : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Account Open Date : XX/XX/year> Partial Account Number : XXXX I have disputed this entry several times through both the credit bureaus and the debt collector directly, yet the information remains inaccurately reported. I assert that this account is either inaccurate, unverifiable, or not legally collectible under current credit reporting standards and the Fair Credit Reporting Act ( FCRA ). 

To date, I have not been provided with any documented validation proving that XXXX XXXX XXXX has the legal right to collect on this debt or report it. Furthermore, I believe the continued reporting of this account may violate my rights under 15 U.S. Code 1681i, which requires that disputed items be investigated and removed if they can not be fully verified. 

I respectfully request that the CFPB conduct an immediate investigation into the reporting of this account and take appropriate enforcement action to ensure its permanent removal from my credit profile if it can not be fully validated according to FCRA standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio
State: WV

Complaint narrative:
I am disputing the validity and accuracy of a collection account reported by Vance & Huffman LLC in the amount of {$9500.00}. This collection account is tied to a charged-off auto loan originally financed through XXXX XXXX XXXX 

XXXX reported the original loan as charged off with a {$0.00} balance and noted that the account was sold to another lender. Vance & Huffman is now reporting a collection account but has failed to properly identify XXXX as the original creditor, and has not provided any documentation showing how the deficiency balance was calculated including vehicle repossession details, auction sale proceeds, and the resulting deficiency balance. 

Furthermore, I did not receive any debt validation notice or any written communication from Vance & Huffman LLC prior to their reporting the collection to the credit bureaus, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) 1692g ( a ). 

I am requesting that this tradeline be immediately deleted due to the improper reporting, failure to validate the debt, and the failure to provide accurate, complete information as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with 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 have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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 writing to dispute several inaccuracies on my credit report. I am requesting that these items be investigated and removed or corrected as required by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy.

The following items on my credit report are inaccurate or incomplete : Date : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX Amount : XXXX Issue : Account shows a charge off and I did not receive a 1099 c form.

Requested Action : 1099 c form As required by FCRA 1681i ( a ), please conduct a reasonable investigation into these items. If the items can not be verified within 30 days, they must be deleted from my credit report. Please also provide written confirmation of your investigation and the outcome.

This letter is being sent in good faith and is not an acknowledgment of liability. If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to protect my rights. 

Please send a written response to the address listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: LA

Complaint narrative:
To Whom It May Concern, After reviewing my credit file, I discovered multiple unauthorized inquiries. I did not approve, initiate, or authorize these. Under 15 U.S.C. 1681b, a credit report may not be accessed without permissible purpose and written consent. The following inquiries must be removed : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries violate 15 U.S.C. 1681e ( b ), as they are inaccurate and harmful to my report.

I also invoke my rights under : - 15 U.S.C. 1681c-2 : Block of information resulting from identity theft - UCC 1-308 : Reservation of rights without prejudice - UCC 1-103 : Enforcement of commercial rights Demand for Action : 1. Permanently delete these inquiries from my report. 2. Provide confirmation of deletion within 15 calendar days.

3. Do not issue stall letters. Non-compliance will result in complaints to the CFPB, FTC, and Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax Complaint On XX/XX/year> I attempted to lift a credit report freeze with all three credit reporting agencies. Everything went well until I hit the Equifax site. They gave me to some female in XXXX who had no business even being connected to my credit information. 

She attempted to identify me using transactions on their credit report & XXXX  ; which I have never read and now will NEVER read.


Instead of using valid identity markers in their process they choose to : # 1 use a device of their own design. This should be a standardized methodology with oversight. # 2 use a foreign national to pursue this identification. Foreigners should mind their own business and stay out of ours. Any US company that can't handle the business themselves should likewise stay out of matters beyond their functional or operational capability. # 3 act as though they have the divine right of kings to do this. God did not leave Equifax in charge of the world. I personally would like to see Equifax to be removed as a credit reporting agency for what I construe to be gross incompetence and misconduct. Foreign nationals should not be in my credit report at any level.

Company response to consumer: Closed with explanation