vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: WA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-10 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: PlusFour, Inc
State: NV

Complaint narrative:
PLUSFOUR , INC stated they purchased my file. 

I asked for proof and they only sent me a bill which isn't proof. 

I can not entertain fraudulent companies. When I request for proof a file is mine, it shouldn't be any issues getting that. I shouldn't get pushback or any delays. 

Also, the original account was reported as {$500.00} and every month PLUSFOUR , INC is paying to change the balance on my credit file to something higher. 

At this time they are reporting the balance as {$560.00} when they claimed to have purchased a file with a balance of {$500.00}. 

I am requesting for this collections agency to delete this account from my credit file since it has not been proven to be mine and since it is now banned to report any medical debit on credit reports. 

So please delete this account from my XXXX, XXXX and XXXX file since it has dropped my credit score almost 100 points.

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 2025-01-09 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: AXOS FINANCIAL, INC.
State: AZ

Complaint narrative:
Please see CFPB XXXX # XXXX for detailed explanation of issue. Company refuses to address system issues that is causing me to incur late fees. They repeatedly tell me that I will get a phone call back from a supervisor that will assist. I never receive a call back from any supervisors. When calling back, they tell me that I'm " not allowed to speak to anyone '' to get assistance. While waiting for a call from supervisors, the company continually charges late fees. 

The bank I make my payments from has confirmed to Axos Bank that there is no issue with my payment or balance. Yet Axos bank continues to falsely accuse there is a problem with me/my bank. 

Therefore, the company has a problem with their system that they refuse to fix so they can steal late fees. I receive emails saying my payment was successful ( XX/XX/XXXX ). I was told by supervisors at Axos bank that they would monitor my account so no further payment issues/late fees would be incurred ( Example : XXXX XXXX XXXX Consumer Collections Supervisor ). Then they charge me a late fee ( XX/XX/XXXX ). 

How is it legal for the company to claim they are monitoring my account so additional issues/late fees would be incurred, and then charge me late fees immediately after? And refuse to remove it? This is 100 % blatant fraud. This company should be sued and shut down. 100s of consumers in your CFPB database have reported the same issue with this bank every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: PA

Complaint narrative:
I have informed this company several times that they are furnishing inaccurate and incomplete information to my report. Company has failed to verify the SSN used to make these accounts & inquiries.

Hey Mr Credit Bureaus I Was Looking At My Credit Report And This Account Looks Weird To Me The Last Date Of Activity The Last Date Of Payment The Account Number The Account Balance Everything On This Credit Item On My Credit Report Looks To Be Incorrect Can You Please Delete This Item For My Credit Report Because It'S Not Accurate And It Is Not Complete I Greatly Appreciate You

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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a letter to dispute the validity of this debt. I do not owe this company anything and I have never signed any contracts with this company agreeing to pay a debt or to allow them to report to my credit. They have illegally obtained my information and they are using threatening and harassing tactics to try to obtain money from me. This company never responded with proof, only more threatening letters. I mailed out a second dispute on XX/XX/XXXX and for a second time, they did not verify any information with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
last month i contacted the bureaus to let them know that this account was fraudulent, but they didnt care. they didnt help

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to address the delinquent accounts listed on my credit report. Upon reviewing my recent credit report, I noticed discrepancies that raise significant concerns. Specifically, I question how and why my personal information was shared without my explicit 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 non-monetary relief
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
Dear CFPB Representatives, I am submitting this formal complaint to request immediate enforcement action against the major credit bureaus ( XXXX, TransUnion, and XXXX ) and the creditors associated with the fraudulent and inaccurate accounts reported on my credit file. These violations of my rights under federal and state laws require your urgent attention and intervention. 

Details of Violations XXXX. Fraudulent Accounts and Reporting Errors The following accounts have been reported without my consent or knowledge and contain multiple discrepancies in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX ( Account No. XXXX ) Discrepancies : Charged-off account with discrepancies in payment status, open dates, and lack of proper notification. 

Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g. 

XXXX XXXX ( Account XXXX. XXXX ) Discrepancies : Collection account with balance discrepancies and lack of validation.

Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g. 

XXXX XXXX XXXX ( Account XXXX. XXXX ) Discrepancies : High credit amount variations and conflicting open dates. 

Violations : FCRA 607 ( b ), 611 ( a ). 

XXXX XXXX ( Account XXXX. XXXX ) Discrepancies : Monthly payment inconsistencies and lack of proper validation. 

Violations : FCRA 607 ( b ), 611 ( a ). 

XXXX XXXX XXXX Discrepancies : Erroneously reported bankruptcy filings that I never submitted. 

Violations : FCRA 607 ( b ), 15 U.S.C. 1692g.

2. Unauthorized Credit Inquiries Unauthorized credit inquiries include : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries were made without my knowledge or consent and violate the FCRA and Identity Theft XXXXaws.

3. Incorrect Names and Addresses My credit report contains fraudulent and inaccurate personal information, including : Incorrect names : XXXX XXXX XXXX, XXXX XXXX XXXX. 

Incorrect addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Failure to Protect Personal Information The credit bureaus and creditors failed to protect my personal information, allowing fraudulent accounts to be opened and reported without adequate safeguards, violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ). 

Requested Actions I respectfully request that the CFPB : Enforce Immediate Removal and Blocking of Fraudulent Accounts and Inquiries thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
Dear CFPB Representatives, I am submitting this formal complaint to request immediate enforcement action against the major credit bureaus ( XXXX, XXXX, and Equifax ) and the creditors associated with the fraudulent and inaccurate accounts reported on my credit file. These violations of my rights under federal and state laws require your urgent attention and intervention. 

Details of Violations XXXX. Fraudulent Accounts and Reporting Errors The following accounts have been reported without my consent or knowledge and contain multiple discrepancies in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX ( Account No. XXXX ) Discrepancies : Charged-off account with discrepancies in payment status, open dates, and lack of proper notification. 

Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g. 

XXXX XXXX ( Account XXXX. XXXX ) Discrepancies : Collection account with balance discrepancies and lack of validation. 

Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g. 

XXXX XXXX XXXX ( Account XXXX. XXXX ) Discrepancies : High credit amount variations and conflicting open dates. 

Violations : FCRA 607 ( b ), 611 ( a ). 

XXXX XXXX ( Account XXXX. XXXX ) Discrepancies : Monthly payment inconsistencies and lack of proper validation. 

Violations : FCRA 607 ( b ), 611 ( a ). 

XXXX XXXX XXXX  Discrepancies : Erroneously reported bankruptcy filings that I never submitted. 

Violations : FCRA 607 ( b ), 15 U.S.C. 1692g.

2. Unauthorized Credit Inquiries Unauthorized credit inquiries include : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries were made without my knowledge or consent and violate the FCRA and Identity Theft XXXX. 

XXXX. Incorrect Names and Addresses My credit report contains fraudulent and inaccurate personal information, including : Incorrect names : 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 

4. Failure to Protect Personal Information The credit bureaus and creditors failed to protect my personal information, allowing fraudulent accounts to be opened and reported without adequate safeguards, violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ).

Requested Actions I respectfully request that the CFPB : Enforce Immediate Removal and Blocking of Fraudulent Accounts and Inquiries thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within XXXX business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
I have contacted TransUnion several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period.

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: VA

Complaint narrative:
I am currently doing complaint in regards to expiring due to failure to properly investigate this issue I brought tot heir attention on three or more occasions.

Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf.

See attachment below.

I would like for this to be properly investigated and actually investigate as im aware of lawsuit against your company for lack of 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 2025-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/year> I mailed an initial dispute to Westlake Financial disputing the total amount due on a vehicle that was in an accident. This vehicle was totaled and it was PAID IN FULL by the insurance company. This account is being reported with a balance and being reported as being LATE over 59 times. At the time of my initial dispute, I requested more information on how their company is coming up with this balance due. This company failed to respond. I then sent out two additional disputes, one on XX/XX/year> and another on XX/XX/year>. Each request has gone unanswered. This company is still reporting inaccurate information to my credit and they are violating my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: SC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this dispute regarding inaccuracies in how Ford has reported my payments to the credit bureaus, specifically for the months of XXXX and XX/XX/XXXX. Below is a detailed timeline of events and my attempts to correct these errors : Payments for XXXX are showing as missed and XXXX as not made. 


On XX/XX/XXXX, I made a combined payment intended to cover both my XXXX and XXXX invoices + a portion of XXXX 's early. 
This payment, however, appears to have been improperly allocated by Fords billing system, lumping the entire payment into XXXX and leaving XXXX incorrectly marked as unpaid. 

XX/XX/XXXX {$1200.00} ( is what there system reflects for XX/XX/XXXX invoice ) XXXX XXXX XXXX XXXX XX/XX/XXXX, I made an early payment for the remainder of my XXXX invoice. 

XX/XX/XXXX {$420.00} ( is what there systems reflects for XX/XX/XXXX invoice ) Credit Bureau Updates Missing Payments According to XXXX, an update was transmitted to the credit bureaus on XX/XX/XXXX. 
According to Ford, the update occurred on XX/XX/XXXX. 
Neither update shows XXXX or XXXX paid, even though I made all required payments on time. These updates only reflect that my XXXX payment is current. 

Dispute with Ford I contacted Ford in XXXX after seeing that the XX/XX/XXXX update did not reflect my correct payment history. Ford referred me to their dispute department. 
I provided documentation proving my payments. They asked me to wait for their response. 

On XX/XX/XXXX, Ford denied my dispute, claiming their reporting was accurate. They sent me a transaction history that again shows only XXXX as paid, skips XXXX, and then marks XXXX as paidcompletely disregarding my grouped payment for XXXX. 

Continued Attempts to Resolve I spoke with Ford on XX/XX/XXXX, to demand a correction, as this error has persisted for two months ( soon to be three ).

Ford acknowledged their system lumps my XXXX payment into XXXX invoice, yet they still refuse to provide documentation showing XXXX as paid or to correct the credit bureau reporting. 

They claim their system can not be fixed to reflect the XXXX payment accurately and that the credit bureaus should put two and two together to infer XXXX was paid. All they can do is show my account is current. 

Impact to My Credit Reports As of this filing, my XXXX and XXXX payments are still showing as missing on my credit reports, causing a negative impact on my credit standing. 


Despite multiple calls, disputes, and providing proof of payment, there has been no satisfactory resolution or willingness from Ford to correct these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
ROCKET MORTGAGE ran my credit without my authorization leading to a hard inquiry on my credit report. I need this removed and reported. On XX/XX/year>.

Company response to consumer: Closed with explanation