vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: OH

Complaint narrative:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$290.00} XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$370.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX & XXXX XXXX XXXX * XXXX XXXX XXXX XXXX {$290.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$840.00} XXXX XXXX * * * * * * * * XXXX * Balance Owed : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-05-10 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: CA

Complaint narrative:
I am filing a complaint against Experian Information Solutions XXXX Inc., for willful violations of the Fair Credit Reporting Act ( FCRA ), including failure to conduct a proper reinvestigation ( FCRA 1681i ( a ) ( 1 ) ), providing only electronic results instead of formally sending written mailed results ( violating FCRA 1681i ( a ) ( 6 ) ), and falsely verifying accounts without substantiating accuracy ( violating FCRA 1681e ( b ) ). Furthermore, on XX/XX/XXXX, a debt collector, Shepherds Outsourcing, texted my new number immediately after I updated it with Experian, suggesting Experian shared or sold my personal data without my authorization, violating FCRA 1681b ( f ). Additionally, furnishers provided inaccurate information that Experian failed to correct. On XX/XX/XXXX, I disputed XXXX accounts, received by Experian on XX/XX/XXXX. Their XX/XX/XXXX, electronic results ( Report # XXXX ) removed XXXX accounts but retained XXXX inaccurate accounts : XXXX XXXX XXXX XXXX Re-aged by 18 months ( XXXX XX/XX/XXXX, balance not specified ), violating FCRA 1681c ( a ) ( 4 ), 1681s-2 ( a ) ( 5 ), FDCPA 1692e ( 2 ) ( A ). 
XXXX XXXX XXXX : Re-aged by 8 months ( XXXX XX/XX/XXXX, balance not specified ), violating FCRA 1681c ( a ) ( 4 ), 1681s-2 ( a ) ( 5 ), FDCPA 1692e ( 2 ) ( A ). 
XXXX XXXX XXXX : Overextended reporting ( closed XX/XX/XXXX, reported until XX/XX/XXXX ), violating FCRA 1681c ( a ) ( 4 ), 1681s-2 ( a ) ( 5 ). 
XXXX XXXX : Time-barred, misreported as {$1800.00} past-due ( last payment XX/XX/XXXX ), violating FCRA 1681s-2 ( a ) ( 5 ), FDCPA 1692e ( 8 ) .Experian failed to verify the Date of First Delinquency, violating FCRA 1681i ( a ) ( 5 ) ( C ). 

On XX/XX/XXXX, I sent a second letter demanding Experian remove these accounts, after which they claimed they are reinvestigatingbut why is this necessary when their initial failure to provide written results and the clear violations should have resolved this already? The remaining errors have harmed my ability to secure loans and employment, despite my XXXX XXXX increasing to XXXX ( XX/XX/XXXX ) after XXXX accounts were 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 2025-05-11 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 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding the handling of my personal bank account by Axos Bank. This complaint concerns the reversal of a legitimate check deposit, an unexplained account restriction, and the banks failure to provide timely, accurate, and transparent communication. 

On or about XX/XX/XXXX, I deposited a check into my personal Axos Bank account. The check was issued from my own business checking accountboth accounts are domestic, and I am a XXXX XXXX. Initially, the check was accepted. However, the next day, the deposit was reversed. Upon contacting XXXX customer service, I was told that the transaction was labeled Not Authorized and that this might be due to me being a foreign entity. This claim is completely false and unsubstantiated. 

Soon after, I was informed via email that my account was placed under review. As a result : My debit card was suspended I was locked out of my account I received no formal notice, no explanation for the account restriction, and no timeline for resolution All attempts to obtain information through customer service were met with confusion or vague answers This has had a significant impact on my ability to access my own funds and manage my personal finances. Despite repeated efforts, no clear resolution or pathway forward has been provided by Axos Bank. 

I have already filed complaints regarding this issue with the following agencies : FDIC Office of the Comptroller of the Currency ( OCC ) Federal Trade Commission ( FTC ) These complaints were submitted due to XXXX XXXX potential violations of : Fair banking and deposit handling practices Federal consumer protection laws Requirements for adequate communication and due process in account restrictions To date, Axos Bank has failed to take any corrective action or provide meaningful clarity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: Synovus Bank
State: CA

Complaint narrative:
I hope this complaint finds you well. I am writing regarding myaccount ( Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX with XXXXUpon reviewing my recent credit report, I noticed a latepayment reported on XX/XX/2024. Under the Fair CreditReporting Act ( FCRA ), consumers are entitled to the accurate andfair reporting of their credit information. Given my ongoingcommitment to maintaining a positive account history, Irespectfully request a review and removal of this late payment asa goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-10 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
XXXX XXXX XXXX closed my XXXX XXXX XXXX credit card account without proper notice or explanation. I contacted them and was told the account was closed after a comprehensive review of my credit and balances. However, I was never sent an Adverse Action Notice, which is required under the Fair Credit Reporting Act ( FCRA ). 

I also identified XXXX fraudulent transactions on the account that I did not authorize. These may have influenced their decision, yet I was never notified or given the opportunity to dispute them prior to closure. 

Ive since reported the fraudulent transactions, but XXXX has still not provided the Adverse Action Notice or a valid explanation for the account closure. I was only sent XXXX duplicate statements no detailed communication about the closure. 

Ive maintained a 100 % on-time payment history, and I believe this closure was premature, based on compromised activity and without proper due process. 

Im requesting that XXXX reconsider and reinstate my account in good standing, and that they be required to comply with federal law by providing a proper notice of adverse action.

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 2025-05-10 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: OH

Complaint narrative:
Equifax continues to report inaccurate information. XXXX XXXX XXXX  is reporting a charged-off account on my credit report, but the debt has been transferred or sold to XXXX XXXX  XXXX XXXX XXXX XXXX ) and only XXXX XXXX is reporting which is a violation. 

The balance is still showing, but XXXX XXXX no longer owns the debt. 
The account is inaccurately marked as XXXX  days past due even after the account has been charged off. 
The reporting is inconsistent with FCRA guidelines for sold or transferred debts. 

Equifax reports first delinquency as XX/XX/XXXX but reflects as paid in time. 

Equifax reports that the account was XXXX  days past due in XX/XX/XXXX, then XXXX  days past due in XX/XX/XXXX and XXXX  days past due in XX/XX/XXXX but Equifax never reported a XXXX  days past due this is reporting inaccurate reporting. 

XXXX XXXX XXXX  continues to report inaccurate and potentially misleading information to Equifax who then inaccurately reports on my credit report. 

I have disputed XXXX XXXX XXXX  with the three major credit bureaus and each time it comes back as updated or verified when this is clearly reporting inaccurately. 

When reviewing these findings Im am requesting permanent deletion of this XXXX XXXX XXXX  Account with all three credit bureaus due to multiple violations along with monetary compensation of {$1000.00} for each violation that has came back as VERIFIED. 

FCRA 607 ( b ) 15 USC 1681e ( b ) Information must be accurate and complete.

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 2025-05-10 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: OH

Complaint narrative:
Equifax continues to report inaccurate information. XXXX XXXX XXXX  is reporting a charged-off account on my credit report, but the debt has been transferred or sold to XXXX XXXX  XXXX XXXX XXXX XXXX ) and only XXXX XXXX is reporting which is a violation. 

The balance is still showing, but XXXX XXXX no longer owns the debt. 
The account is inaccurately marked as XXXX  days past due even after the account has been charged off. 
The reporting is inconsistent with FCRA guidelines for sold or transferred debts. 

Equifax reports first delinquency as XX/XX/XXXX but reflects as paid in time. 

Equifax reports that the account was XXXX  days past due in XX/XX/XXXX, then XXXX  days past due in XX/XX/XXXX and XXXX  days past due in XX/XX/XXXX but Equifax never reported a XXXX  days past due this is reporting inaccurate reporting. 

XXXX XXXX XXXX  continues to report inaccurate and potentially misleading information to Equifax who then inaccurately reports on my credit report. 

I have disputed XXXX XXXX XXXX  with the three major credit bureaus and each time it comes back as updated or verified when this is clearly reporting inaccurately. 

When reviewing these findings Im am requesting permanent deletion of this XXXX XXXX XXXX  Account with all three credit bureaus due to multiple violations along with monetary compensation of {$1000.00} for each violation that has came back as VERIFIED. 

FCRA 607 ( b ) 15 USC 1681e ( b ) Information must be accurate and complete.

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 2025-05-10 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: GA

Complaint narrative:
I am a victim of identity theft and have submitted an FTC Identity Theft Report along with copies of my government-issued ID and proof of address to the credit bureaus. 

XXXXXXXX XXXX : I have repeatedly disputed a XXXXXXXX XXXX account that does not belong to me. I provided full documentation to Experian, Equifax, and TransUnion including my FTC Identity Theft Report. The account remains on my credit report despite being properly disputed under FCRA 605B. 

XXXX XXXX Services : I have disputed an XXXX XXXX XXXX collection account which does not belong to me. I contacted XXXX, but they refused to speak with me or verify the account. I also contacted TransUnion and Experian was told the account does not exist in their system, even though I have a current IdentityIQ credit report showing that XXXX is reporting it. 

These companies are violating FCRA 611 by failing to conduct reasonable investigations, and XXXX is violating FDCPA 809 by refusing to validate the debt with me while continuing to report it. 

I am requesting immediate deletion of both accounts from all credit bureaus and a full investigation by the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and have submitted an FTC Identity Theft Report along with copies of my government-issued ID and proof of address to the credit bureaus. 

XXXXXXXX XXXX : I have repeatedly disputed a XXXXXXXX XXXX account that does not belong to me. I provided full documentation to Experian, Equifax, and TransUnion including my FTC Identity Theft Report. The account remains on my credit report despite being properly disputed under FCRA 605B. 

XXXX XXXX Services : I have disputed an XXXX XXXX XXXX collection account which does not belong to me. I contacted XXXX, but they refused to speak with me or verify the account. I also contacted TransUnion and Experian was told the account does not exist in their system, even though I have a current IdentityIQ credit report showing that XXXX is reporting it. 

These companies are violating FCRA 611 by failing to conduct reasonable investigations, and XXXX is violating FDCPA 809 by refusing to validate the debt with me while continuing to report it. 

I am requesting immediate deletion of both accounts from all credit bureaus and a full investigation by the CFPB.

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 2025-05-10 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:
XXXX XXXX, XXXX, AND XXXXXXXX XXXX ARE ALL REPORTING FALSE FRAUDULENT INFORMATION ON MY CREDIT REPORT AND THE XXXX CREDIT AGENCIES IN EQUIFAX, TRANSUNION, AND EXPERIAN ARE WILLFULLY VIOLATING MY CONSUMER RIGHTS BY ALLOWING THEM TO REPORT INVALID AND FRAUDULENT INFORMATION. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS. 

15 U.S. Code 1681c2- 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, not later than XXXX business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, this fraudulent account in which i never gave written instructions to anyone to open or report in my name, has violated my rights. 

Negligence and Willful Non-compliance. 
I am prepared to SUE all parties involved. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal 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 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: NY

Complaint narrative:
I sent a Debt Validation Request Pursuant to 15 U.S.C. 1692g via Certified Mail Receipt # XXXX, Return Receipt ( XXXX ). 

Date : XX/XX/year> Credit Control , LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Reference Number : XXXX Debt Validation Request Pursuant to 15 U.S.C. 1692g Dear Credit Control , LLC, I am writing to formally dispute the validity of the alleged debt referenced above and to exercise my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g. I received your initial communication, and I am requesting that you provide validation of this debt. Until such validation is provided, please cease and desist all collection activities and communications with me regarding this matter, as required by law. 

To validate this debt, I request the following information and documentation : A full, detailed list of the payment history on this account, including all payments made, dates, amounts, and any remaining balance. 
A copy of the original contract or agreement bearing my signature, which demonstrates that I agreed to this debt with the original creditor. 
Documentation indicating whether an insurance claim has been filed or paid on this debt, and if so, the details of such a claim. 
A complete chain of title showing your legal authority to collect on this debt, including all assignments, transfers, or sales of the debt from the original creditor to your agency.

Under 15 U.S.C. 1692g ( b ), you are required to provide verification of the debt or a copy of a judgment if one exists. If you fail to provide the requested validation within 30 days of receiving this letter, I will consider the debt invalid and expect all collection efforts to cease permanently. Additionally, please note that I am disputing this debt in its entirety, and I request that you mark this account as disputed with all credit reporting agencies to which you report. 

Please send all correspondence and the requested documentation to me in writing at the address listed above. To ensure proper tracking, I am sending this letter via certified mail with a return receipt requested. Do not contact me by telephone or any other means unless expressly permitted by law. Be advised that I am keeping a record of all communications regarding this matter and reserve my right to take further action if my consumer rights are violated. 

Thank you for your prompt attention to this request. I look forward to your response within the timeframe prescribed by 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 explanation
Consumer complaint received 2025-05-10 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with non-monetary relief