vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over 20 late payment entries from XXXX which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving XXXX XXXX XXXX which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records XXXX have been compromised or altered without my consent. 

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my XXXX XXXX serviced and reported to the credit bureaus under these conditions. 

Violations and XXXX XXXX XXXX XXXX. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX XXXX have incorrectly or fraudulently reported late payments that I did not actually incur. 

3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

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 2025-04-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: CT

Complaint narrative:
My father passed away in XXXX ; I have been closing out his accounts. I contacted XXXX and finally after XXXX years got them to put me on the accounts as I am the ONLY trustee and they have the paperwork. I requested the XXXX accounts to be closed and I received the checks dated XX/XX/XXXX with my correct address on them. I still do not have the tax form for XXXX, and I need to file my taxes. They mailed the XXXX to the old address of my father 's and depending on who you get they say they have to escalate it and no one gets back to me ever. Something should be done about the way this bank does business, they are terrible and may cost me penalties. 

Please contact me regarding this. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am submitting this complaint because I have been pursued for over 15 months regarding a disputed debt originally tied to a former rental property. The most recent collector, Sequium Asset Solutions, has failed to provide legally required documentation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Timeline : Sequium Asset Solutions first contacted me in XX/XX/XXXX, claiming I owed a balance related to a lease I had already moved out of. 

I immediately disputed the debt in writing and requested full validation. On XX/XX/XXXX, Sequium responded with a copy of the original lease, move-out statement, and final bill all of which I had already received and disputed with the original property management company. After this, all communication stopped. 

On XX/XX/XXXX, I received an email from XXXX pertaining to the debt. I sent a second written request reiterating that the documents provided did not constitute full validation. I clearly asked Sequium to provide : Proof that they are the legal owner of the debt and authorized to collect it, A complete itemized breakdown of the charges, Documentation verifying the accuracy of the claimed balance following my dispute with the original creditor.

To date, I have received no further response from Sequium Asset Solutions.

Further complicating matters, I was previously contacted by a different debt collection agency regarding this same account with a different balance owed. This raises serious concerns about proper documentation, debt ownership, and conflicting attempts to collect. 

Despite repeated efforts on my part to resolve the matter in good faith, Sequium has failed to respond appropriately, and this ongoing situation has caused significant mental and emotional strain. I have had to seek medical treatment for stress-related symptoms, and the prolonged nature of this issue has made it difficult to move forward. 
I am asking the CFPB to investigate Sequium Asset Solutions failure to provide full validation and ensure compliance with federal debt collection laws. I also request that any reporting related to this debt be removed from my credit file due to lack of verification and unresolved disputes. 

Company Name : Sequium Asset Solutions Website : https : //www.sequium.com Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or 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 non-monetary relief
Consumer complaint received 2025-04-14 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: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis is re-reporting previously deleted addresses in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, in response to my prior disputes and CFPB complaints, LexisNexis confirmed in writing ( Case # XXXX ) that it had removed several inaccurate addresses from my consumer report. 

However, in my most recent LexisNexis Consumer Disclosure Report dated XX/XX/year>, I found that several of the deleted addresses were reinserted with no explanation and no notice of reinsertion, as required by FCRA 1681i ( a ) ( 5 ) ( C ). 

Addresses reinserted despite prior deletion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LexisNexis did not notify me within 5 business days of reinserting this information, which is a clear violation of the FCRA. I was not provided any certification from the original data furnisher verifying the accuracy of these addresses.

Violations by LexisNexis include : FCRA 1681i ( a ) ( 5 ) ( C ) : Re-reporting deleted information without certification and without notifying the consumer FCRA 1681e ( b ) : Failing to ensure maximum possible accuracy of the consumer file FCRA 1681i ( a ) : Failing to conduct a reasonable reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: U.S. BANCORP
State: IN

Complaint narrative:
In XX/XX/year> I bought my home I got XXXX  XXXX XXXX XXXX were they paid XXXX for my down payment U.S Bank is my mortgage holder The terms for the XXXX assistance I had to live in the house for XXXX  years and after XXXX  years the XXXX be forgiven I have live here XXXX  years never been late on any payments Escrow is has enough money to pay taxes and insurance, and when every the escrow is short I pay what is need I'm trying to pay my house off early but US bank is telling me I have to pay of the XXXX saying because XXXX XXXX XXXX  I have told them that I was told when I first got the mortgage that if I lived her XXXX  years it would be forgiven they are telling me no that I owe Cam you help me wit this matter please

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 2025-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I have received numerous calls daily from this company from approximately XXXX of XX/XX/year> and every day since then. They have claimed I have an outstanding debt of {$260.00} and each time I have asked to verify this information or that I would like physical copies of this claim they have refused to provide it or ignored my requests. When on the phone, they demand immediate payment, often making comments about this being " my fault '' or making aggressive comments/threats about the damage to my future and current credit but refusing to offer me verification and information or options to dispute these charges. Each call I answered I asked for specific details or how I should collect this information and each time I have been run around or ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch
State: UT

Complaint narrative:
I received a refinance offer through XXXX XXXX that appeared to be personalized based on my credit profile, vehicle make and model, and loan amount. The offer displayed a specific interest rate and monthly savings, leading me to believe I had been prequalified or preapproved under those terms. 

The interface and wording gave the impression that this was a soft inquiry or that terms would be close to what was shown. However, upon clicking Take Offer, the lender performed a hard credit inquiry and presented loan terms that were significantly different than what was advertisedfar less favorable than the original offer. 

I would not have proceeded had I known the true terms or that a hard credit inquiry would be involved. I believe this was a deceptive and misleading marketing tactic that caused harm to my credit through an unnecessary hard inquiry based on inaccurate advertising. 

I am requesting that XXXX XXXX ( and/or the lender ) be held accountable for misleading consumers in this manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
Upon reviewing my credit report, I discovered several unauthorized heart inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress, and it's negatively affecting my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: MS

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized heart inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress, and it's negatively affecting my financial standing.

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 2025-04-14 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: AZ

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-14 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from Experian Information Solutions Inc. associated with XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, Experian Information Solutions Inc. has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been with Capital one for XXXX  years and have XXXX cards. I haven't missed payments and have been in good standing with them. Within the last XXXX weeks, I came into a financial issue in which I didn't realize but my bank account went below XXXX and it returned my capital one payments. I then realized this, got my resources together and paid off the ENTIRE balance of all three credit cards including any payments that were returned to my bank. Right after I paid off all my balances, Capital one closed my accounts with zero warning. I am extremely upset and have called and they will not help me at all. I feel cheated in the fact that I was not warned and that I had essentially no time or warning to fix the issue with my bank and fix the issue with the returned payment. The customer service number would barely explain anything to me and will not allow me any way to reopen an accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
I am a victim of identity fraud theft upon requesting a credit report in results the following accounts and inquires don't belong to me or authorize by me I have requested to please remove, and I have submitted/Uploaded supportive documents along with this complaint XXXXXX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting and unresolved dispute of a XXXX XXXX credit card, account number XXXX, opened on XX/XX/XXXX, and now showing a {$0.00} balance. 

There are multiple, ongoing issues with this account : Inconsistent late payment reporting across credit bureaus : XXXX bureau is showing XXXX late payments, while my XXXX report only shows XXXX. 

This inconsistency directly affects my credit score and is misleading to lenders. 

Conflicting account statuses across the XXXX credit bureaus : XXXX XXXX reports this account as a charge-off. 

Another states it was paid in full. 

Another lists it as closed by the grantor. 

The account was previously disputed and no proper resolution was provided. 

The disputed remark remains, but the entry has not been corrected or removed. 

Unresolved and unauthorized inquiry : A hard inquiry from XXXX XXXX dated XX/XX/XXXX still appears on my credit file. 

I previously disputed this inquiry and requested proof that I authorized it. 

To date, no documentation has been provided, and the inquiry has not been removed. 
These actions represent a failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and consistent information to credit reporting agencies.

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 2025-04-14 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: CA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting and unresolved dispute of a XXXX XXXX credit card, account number XXXX, opened on XX/XX/XXXX, and now showing a {$0.00} balance. 

There are multiple, ongoing issues with this account : Inconsistent late payment reporting across credit bureaus : XXXX bureau is showing XXXX late payments, while my XXXX report only shows XXXX. 

This inconsistency directly affects my credit score and is misleading to lenders. 

Conflicting account statuses across the XXXX credit bureaus : XXXX XXXX reports this account as a charge-off. 

Another states it was paid in full. 

Another lists it as closed by the grantor. 

The account was previously disputed and no proper resolution was provided. 

The disputed remark remains, but the entry has not been corrected or removed. 

Unresolved and unauthorized inquiry : A hard inquiry from XXXX XXXX dated XX/XX/XXXX still appears on my credit file. 

I previously disputed this inquiry and requested proof that I authorized it. 

To date, no documentation has been provided, and the inquiry has not been removed.

These actions represent a failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and consistent information to credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
A credit building company which I had an account many years ago was still charging me an annual fee for service I canceled and never used for over XXXX to XXXX  years. When attempting to call them their lines had been deactivated and go to a dead line. The name of this corrupt company is " Self Financial. It is outrageoues they would have the illegal action by submitting to the credit reporting agencies, that I was late on payments for a so-called credit building service. Espcially since I had canceled the service years ago and they recently stated I was owed a refund in the amount of {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
I am writing to address a critical issue regarding inaccurate information on my credit report. These errors are not only deeply concerning, but they are also actively jeopardizing my financial stability. My credit applications are being denied as a direct result, which is severely hindering my ability to move forward and build a secure financial future. This situation is unacceptable and is causing me significant emotional and financial distress. I am demanding immediate action to review and correct these inaccuracies without delay. My financial freedom depends on it.

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