vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to inform you that my Social Security number was compromised as a result of a data breach. Consequently, fraudulent accounts and inaccurate information have appeared on my credit report. I have submitted a formal complaint to the Federal Trade Commission, a copy of which is enclosed for your reference.

It has come to my attention that some consumer reporting agencies may delay or dismiss dispute requests based on the assumption that the correspondence was prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) explicitly protects every consumers right to seek assistance in exercising their legal rights. The involvement of authorized third-party support does not constitute a lawful basis to delay or deny a valid dispute. 

Please be advised that all communications submitted under my name were prepared with my full knowledge and consentwhether authored directly by me or with the assistance of individuals acting on my behalf. Any failure to timely investigate and correct the disputed information, as required by the FCRA, will be considered a willful violation of my rights under federal law. 

I respectfully request that you process this matter without delay and in full compliance with all applicable legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AXOS FINANCIAL, INC.
State: MT

Complaint narrative:
In XXXXXXXX XXXX XXXX Axos experienced a technical API error that occurred on my automatically scheduled payment.


This may be directly due to poor quality software from Axos, but may also be due to a partner of theirs. There were sufficient funds in my account at the time the payment was scheduled, and the auto-payment had previously worked for many months without issue.

The FCRA requires fair and accurate reporting of credit data. As soon as I learned of the API error, I scheduled an manual transfer for the funds. Axos did not communicate this to me proactively ( see attached record of emails ). This resulted in the funds being delivered 4 days past due and a derogatory mark being placed on my credit report.

Given that this late payment was due to poor software quality from Axos, I asked that they please correct this error with the three bureaus given it does not reflect my credit worthiness or intent to pay on time.

I previously informed Axos of this error, and was denied resolution twice by the same agent " XXXX ''. 

I understand this to be a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-20 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I only have ever had XXXX names There is XXXX Addresses are also incorrect Employer is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I only have ever had XXXX names There is XXXX Addresses are also incorrect Employer is incorrect

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 2025-05-20 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: CA

Complaint narrative:
This inaccurate reporting is seriously damaging my ability to obtain loans, credit, and housing. The presence of unauthorized negative information is unfair and must not continue to impact my financial well-being. I demand an immediate investigation and removal of these accounts to resolve this matter without delay.

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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: GA

Complaint narrative:
Dear Sir or Madam : I am writing to dispute certain information on my credit report, which I believe is inaccurate due to a recent data breach. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX, to request a verification of the disputed information and potential removal. 
Explanation of the Dispute : " A recent data breach at XXXX exposed my personal information, including my Social Security number, date of birth, and address. I have confirmed that this information has now been reported to credit bureaus, and I believe it is causing inaccuracies on my credit report. '' ] " I am disputing the following items : credit card {$19000.00} Credit Control , LLC. This item were likely added as a result of my personal information being misused after the data breach. 
I request that you verify the accuracy of the disputed information, including all original documentation related to the disputed items, as required by Section 609 of the FCRA. I further request that you remove or correct the inaccurate information as soon as possible due to the fact that I have no signed contract with this company. 

I expect a response within 30 days, as required by the FCRA. Please provide written confirmation of the steps taken to investigate and correct the inaccuracies. 
Thank you for your time and attention to this matter. 
Sincerely,

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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Since XXXX of 2024, I have been disputing this alleged debt. I have been requesting the information of, who the original creditor is. Per XXXX XXXX XXXX ( b ) : " If the consumer notifies the debt collector in writing within the XXXX period that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' As of today, GOLDMAN SACHS has not provided who the original creditor is. I have sent validation of debt, cease and desist, affidavit of truth letters via certified mail to GOLDMAN SACHS. GOLDMAN SACHS claims this has been fully investigated and the alleged debt is validated. However, this is not the case. I since have sent GOLDMAN SACHS an invoice in which they refuse to pay as they have violated multiple United States Codes and continue to try to collect on this alleged debt. Until the identity of the original creditor has been revealed, collection on this account is to be ceased and ultimately desist. Because GOLDMAN SACHS refuses to identify the original creditor and continues to attempt collection on this account, I demand this account to be XXXX and the {$11000.00} invoice that I have sent to be paid in full. Failure to do so will result in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-20 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.

06 PROGRESSIVE Please remove it from my credit report.

This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law.

06 PROGRESSIVE Please remove it from my credit report.

This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
I placed a freeze on my credit reports in XX/XX/XXXX after someone fraudulently applied for unemployment benefits in my name. I tried to temporarily unfreeze my account on XX/XX/XXXX through Experian and was not able to verify my identity over the phone. I learned that my email address and phone number was fraudulently changed so my two factor confirmation was going to another number. I tried to reset my password and realized that the email also went to someone else. I've been attempting to contact someone at Experian for help and can not get access to anybody as I can't get past the initial identification step on their system.

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 2025-05-20 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 inform you that my Social Security number was compromised as a result of a data breach. Consequently, fraudulent accounts and inaccurate information have appeared on my credit report. I have filed a formal complaint with the Federal Trade Commission, a copy of which is enclosed for your reference. 

It has come to my attention that some consumer reporting agencies may delay or dismiss dispute requests based on the assumption that they were prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) expressly affirms every consumers right to obtain support in asserting their legal rights. The involvement of an authorized third party does not constitute a lawful basis to delay or deny a valid dispute. 

Please be advised that all correspondence submitted under my name was prepared with my full knowledge and consentwhether authored directly by me or with the assistance of individuals acting on my behalf. Any failure to timely investigate and correct inaccurate information, as required by the FCRA, will be considered a willful violation of my rights under federal law. 

I respectfully request that you process this matter without delay and in full compliance with all applicable legal obligations.

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 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc.
State: TN

Complaint narrative:
I discovered a collection account from Sentry Credit on my credit report related to a past lease with XXXX XXXX. I was never notified by either Sentry Credit or XXXX XXXX about this debt before it appeared on my credit file. I did not receive a written notice of the debt, my right to dispute it, or any documentation regarding the amount owed. 

I contacted Sentry Credit to dispute the debt and request validation. They responded that they had forwarded my request to XXXX XXXX and were awaiting a response. I then contacted both parties again in writing to follow up, but neither has responded. I have made multiple good-faith attempts to resolve or validate this debt, but I have received no documentation, no explanation, and no next steps. 

This lack of proper notice and failure to validate the debt violates the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that this matter be investigated and that the debt be removed from my credit report if it can not be properly verified. I am also requesting a formal response from both Sentry Credit and XXXX XXXX to resolve this issue in a timely and fair manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. XXXX XXXX :. My correct Employer is : XXXX XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: Prince Parker & Associates
State: TN

Complaint narrative:
I am formally requesting validation of the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you provide written verification to prove the legitimacy and accuracy of this alleged debt. This includes documentation that confirms I am legally obligated to pay, the amount you are attempting to collect, and evidence that you are authorized to collect on behalf of the original creditor.

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 2025-05-20 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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