vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
A false report was sent to my credit bureau from XXXX XXXX XXXX for all XXXX of my accounts stating that I was " XXXXXXXX XXXX XXXXXXXX has flagged your account as XXXX Days Past Due on XX/XX/XXXX. '' This is not the case. I initiated payment on XX/XX/XXXX ( Payment Confirmation # : XXXX ) to stay in compliance and avoid the XXXX past-due reports on my credit. 

I will attach correspondence showing that I initiated payment of {$600.00} on XX/XX/XXXX to all XXXX accounts, which exceeds the {$510.00} that was requested on the notice sent on XX/XX/XXXX I paid off the remaining balance on XX/XX/XXXX, yet my credit bureau keeps getting notices from the XXXX XXXX XXXX that I am past due, continuing to harm my XXXX XXXX. Due to this false reporting, I went from XXXX down to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-03-28 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: IL

Complaint narrative:
I am filing this complaint regarding an account that has been inaccurately reporting on my credit report. XXXX has already updated the report and removed any remarks, yet Experian and XXXX have failed to do the sameeven after more than a year. 

Despite my repeated efforts, these bureaus have not corrected the inaccurate reporting, causing ongoing frustration and financial setbacks. I feel completely defeated by this situation as I have been denied my right to accurate reporting under the Fair Credit Reporting Act ( FCRA ). 

I have attached an FTC report as supporting documentation, as the credit bureau and the creditor are unjustly denying me my rights. Given the prolonged delay and lack of resolution, I demand that this account be removed immediately from my credit report. 

I expect swift action to resolve this matter and will escalate further if necessary.

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 2025-03-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
I used them to buy a new laptop. I made all my payments to the company except 3 but the amount still owed is far more than it should be according to my math and what the representative told me they were charging for. She claimed that missed payments come with a late fee of around {$32.00} but even that added on to every payment I missed does not add up to {$670.00}. I feel like Im being scammed and not they have access to my bank account to take funds out every week. It doesnt seem fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

The disputed accounts are XXXXXXXX XXXX FOR {$6200.00} and XXXX/XXXX {$5700.00}, thank you for removing these

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: MD

Complaint narrative:
Below is the history of and my letter to AXOS Bank, detailing my efforts to correct this significant financial problem : From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX To : AXOS BANK XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX Savings XXXX Checking XXXX Banks Errors : 1. ) Incorrect interest rate applied [ i.e., 1 % vs. 4.86 % on {$200000.00} ] 2. ) Repeated phone calls [ 14 *see log below ] with representatives, assuring me the error would be investigated and a supervisor would have to correct and call/contact me ]. Never received 1 call back. 
3. ) AXOS Bank through your error [ Apps and/or representatives ] transferred {$5000.00}. twice from my checking to my savings account, leaving balance of {$9.00} [ thus leaving my account underfunded for the 4.86 % promised interest ]. 
4. ) When speaking to last representative on XX/XX/XXXX, complaining that I still have not received the accurate interest rate, she said that the supervisors had determined that the case ( s ) had been resolved/closed. 

In my last 3 calls I stated that I have the forms to file a complaint with the FDIC ; the most recent representative agreed to document this, given that the others had not. She also said that the other representatives never should have assured me that they and their supervisors would be calling me, as the representatives are busy handling their high call volume. 

Therefore, given AXOS consistent misrepresentation, misinformation, and unprofessional, unethical customer service, I want AXOS Bank to return [ to my external XXXX XXXX XXXX XXXX ] all of my money, including all of the 4.86 % interest accrued since XXXX, XXXX, immediately. 
I am also filing this complaint with the Consumer Financial Protection Bureau. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX *Phone calls w/Representatives XX/XX/XXXX XXXX XXXX XXXX min. 
XX/XX/XXXX XXXX XXXX XXXX min. 
XX/XX/XXXX XXXX XXXX XXXX min. 
XX/XX/XXXX XXXX XXXX XXXX min [ Wi-Fi call ] XX/XX/XXXX XXXX XXXX XXXX min. 
XX/XX/XXXX XXXX XXXX XXXX min. 
XX/XX/XXXX XXXX XXXX XXXX min. 
XX/XX/XXXX XXXX XXXX  XXXX min. 
XX/XX/XXXX XXXX XXXX XXXX min. 
XXXX XXXX XXXX XXXX min. 
XX/XX/XXXX XXXX XXXX XXXX min. 
XX/XX/XXXX XXXX XXXX XXXX min. 
XX/XX/XXXX XXXX XXXX XXXX min. 
XX/XX/XXXX XXXX XXXX  XXXX min.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: CBC Companies, Inc.
State: MD

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I started receiveing emails about transactions on my PayPal accountback in XXXX of XXXX when my Identity Theft occured. I honestly didnt remeber opening an account with PayPal XXXX but i fiound that I did back in XXXX. I had never used it and I dont remember why I opened it in the first place. When I received the first email in XXXX  I called PayPal and let them know I did not make the purchase I was emailed about. They did not have any information for me but noted it in my account. XXXX passed and now I have received XXXX more emails stating I made purchases or Transactions on my account. I have not once used that account nor do I have a card or card information for PayPal. The billing info they have is for an address I lived at from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-28 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: MS

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-28 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: VA

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
In XXXX we received a letter stating our loan had been sold to XXXX XXXX XXXX and as of XX/XX/year> The Loan Store would not accept payments from us. 

On XX/XX/year> we received an invoice from The Loan Store asking for payment for XX/XX/year>. Since we had the letter about the XXXX payments I figured this was in error. I reached out with the letter attached to the email asking for clarification. 

On XX/XX/year> they told me they were looking into it. They did not and I received a notice about late payment with my invoice. 

On XX/XX/year> I reached out again asking if it had been clarified since I believe it was in error. They responded that they were contacting XXXX XXXX since it was unclear in their system. 

On XX/XX/year> I reached out again asking if this has been resolved yet because I do not want a late payment hurting my credit. They have not responded to this inquiry as of XX/XX/year>. 

These events have been sprinkled with events where I have been put on hold and disconnected and spoken to a service representative who told me they would call me back and that never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-28 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-28 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-03-28 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: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
These accounts have been charged off and are still reporting late payments on my credit report and the accounts need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I demand that this closed account be deleted under the FCRA law 15 USC 1681 this account is not mine and my report is inaccurate i have tried to rectify this situation three times i will be contacting my lawyer. There is an identity theft report for XXXX!! 

This should not be on my credit file at all!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: PA

Complaint narrative:
I have previously disputed with TransUnion, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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