vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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:
I checked my recent credit report and noticed multiple accounts that do not belong to me reporting fraudulent under my name. Im request immediate delete of these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
Conflicting Status Reporting The account is reported as Charged Off ( {$19000.00} written off ) while simultaneously showing a {$0.00} balance and a note stating Purchased by another lender. These contradictory designations violate FCRA 1681e ( b ), which requires reporting to be accurate and not misleading. 

Incomplete Payment History Payment records list charge-offs from XX/XX/XXXX through XXXX XXXX, a repossession in XX/XX/XXXX, and delinquencies ( XXXX  days ) in XXXX, yet balances and monthly payments remain blank or inconsistent. Such incomplete history renders the reporting unverifiable under FCRA 1681i ( a ) ( 1 ) ( A ). 

Ownership and Transfer Issues The account states it was sold to XXXX XXXX XXXX, XXXX, but no chain of title or proof of lawful ownership has been provided. Reporting by Exeter after transfer violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( furnishers must not report inaccurate or misleading information ). 

Outdated/Misleading Data Reporting a charge-off while reflecting a XXXX balance and transfer to another lender misrepresents the true status of the account, materially misleading creditors in violation of FCRA 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under 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 explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I had an XXXX insurance policy that ended in XX/XX/year>. I received a notice from a collection service on XX/XX/year> stating that there was a debt amount of {$430.00} owed to XXXX for a XX/XX/year> bill. XXXX never attempted to contact myself or my husband regarding a debt owed, nor did we have coverage with XXXX in XXXX of 2025. I have contacted the collection company regarding this matter and has requested the information that was sent to this collection company, because we never received anything from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IA

Complaint narrative:
Multiple fraudulent accounts that aren't mine is reporting to my credit file

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 2025-09-30 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: EQUIFAX, INC.
State: AL

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
I have reached out to Experian several times regarding a closed XXXX XXXX XXXX. All 3 bureaus are reporting the closing date, credit limit, and opening date incorrect. However, Experian is also reporting a late payment which is incorrect. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states that : Credit bureaus must maintain accurate and complete information on consumers. 

If you dispute an item, the bureau must investigate within 30 days and correct or delete any information that is inaccurate, incomplete, or unverifiable. 

Reporting wrong account opening/closing dates, credit limits, balances, or payment history counts as inaccurate information. 

Please see attached Credit Reports from TransUnion, Equifax, and Experian. Being that none of the information matches, that account must be removed from ALL 3 credit reports completely.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reached out to Experian several times regarding a closed XXXX XXXX XXXX. All 3 bureaus are reporting the closing date, credit limit, and opening date incorrect. However, Experian is also reporting a late payment which is incorrect. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states that : Credit bureaus must maintain accurate and complete information on consumers. 

If you dispute an item, the bureau must investigate within 30 days and correct or delete any information that is inaccurate, incomplete, or unverifiable. 

Reporting wrong account opening/closing dates, credit limits, balances, or payment history counts as inaccurate information. 

Please see attached Credit Reports from TransUnion, Equifax, and Experian. Being that none of the information matches, that account must be removed from ALL 3 credit reports completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
In XX/XX/year>, my identity was stolen. I had to close XXXX financial accounts ( bank & credit card ), including my childrens saving accounts. Every financial institution assisted with the closure of accounts, transition to new accounts, and refund of money stolen. However, AXOS BANK/UFB DIRECT refused to return all the stolen funds.

Axos Bank/UFB Direct are refusing to return the remaining 37 % of the funds that were stolen. They closed my hacked accounts AND suspended my new active accounts. Clearly, they were aware of the identity theft that took place. 

I was assured that the remaining funds would be returned no later than 90 days. It has now been XXXX months and the remaining amount of stolen funds of {$11000.00} + {$70.00} in wire fees + back interest has NOT been returned to my accounts at Axos Bank/UFB Direct . I have called and messaged them every week, but still nothing. 

I have filed 2 FTC reports, 1 report with the XXXX XXXX Police Department Economic Crimes division, 1 report with the CFPB, 2 reports with the OCC, and 1 report with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXXXXXX  Date : XX/XX/XXXX XXXXXXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} UNAUTHORIZED COLLECTION - Account Number : XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — Conventional home 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: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I am formally starting an civil action lawsuit to answer and to put this nightmare to rest. My mortgage company has deceived and has never address all my concern. My original mortgage was done by country wide and later was transfer to XXXX XXXX XXXX XXXX XXXX in the process I discovered several violations in all the documents I was able to recover from no help from Carrington mortgage. I want all documents related to my mortgage all transcripts on assignment all payments since the the loan started all closing any transactions from one lender to another a complete transaction history and how it was transfered how it was transferred and legal transferred all payments since the loan started from 2004 to present and how it was applied and explanation of how a XXXX mortgage turned into a XXXX liability. I formally asked for this documents and never received it. They failed to report for almost 3 years and have had a negative impact on my finances due to the way they reported to the credit burear. Once I receive all my documents I will start the process of demanding answers to all my questions. I want to make it perfectly clear I want ALL documents including proof of ownership and proof if it was transferred transcript of transactions and assignments a clear and legible transaction history of all money paid and how it was applied.

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
A new card came to the house that we thought was a replacement or updated VISA DEBIT card from Truist, our bank account for checking and savings. We used the card a few times and attempted to see what account the card was linked to, because we had XXXX accounts with Truist. None of the accounts showed a charge to the account, so the bank was called and asked them to close the account because we had not asked for this card. We didnt verbally request a credit card from Truist or verbally authorize a new credit card. They would not speak to my husband, because he was not the name the account was opened under, even though he is the primary on our bank account at Truist. He tried to call them XXXX separate times but no one would speak to him, and we were not both available to be on the phone during the customer service business hours. At the very least, from those phone calls, they should have been alerted to their error and reversed the whole situation at that time. They eventually sent a credit card billing statement to the house that included several initial purchases totaling around {$200.00} made ( when we thought the card was a new debit card ), and a {$2000.00} balance transfer that was made to some unknown XXXX account upon the opening of the account. At this time, we knew for sure they had opened up a credit card in XXXX name without request or authorization. We also then learned about the balance transfer for {$2000.00}. We suspect that this is some kind of internal fraud or scam occurring at Truist. Truist is now trying to charge us late fees and asking for the balance in full. We did not approve this credit line, credit card, or the balance transfer to who knows where. We also should not have to pay late fees for an account we did not authorize to open in the first place. Wherever that balance transfer went will probably lead to the culprit of this illegal activity. We will be happy to pay for the small purchases made when we were trying to find out what bank account this card was linked to, but we will definitely not pay for late fees, or the balance transfer that was created on our behalf.

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 2025-09-30 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ] Subject : Formal Dispute of Inaccurate Credit Information Dear Equifax XXXX am writing to formally dispute the inaccurate information appearing on my credit file, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq.

The following information reported on my credit file does not match my identification and is inaccurate : Creditor Name / Account Number : [ Insert here ] Inaccurate spelling of my first and last name account does not belong to me, The information reported does not match my Social Security Number or date of birth, or This is a case of mistaken identity. ] Under 15 U.S.C. 1681i ( a ), I have the right to dispute information that I believe is incorrect or incomplete. The credit reporting agency is required to investigate my claim, forward all relevant information to the furnisher of the information, and correct or delete any data that is inaccurate, incomplete, or unverifiable within 30 days.

Conduct a proper investigation under 15 U.S.C. 1681i.

Delete or correct the inaccurate item ( s ).

Provide me with written confirmation of the results of your investigation.

Failure to comply with the requirements of the FCRA may result in further action to enforce my rights under federal law.

Thank you for your prompt attention to this matter. Please send confirmation of your receipt of this dispute and the results of your reinvestigation to the address above. 
Sincerely, XXXX 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 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Credit charge me an annual fee for a card I haven't used in over 5 years. They made no attempt to contact me via phone for payment and reported me late to all of my creditcreports. I have since closed all of my accounts and in the process of closing my families accounts. I have never been late haven't used the card in over5 years. This is abuse of power

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Dear Sir/Madam, please help with this problem I am having with Best Buy. On XXXX, I spoke with XXXX, and explained to him that on XXXX, I purchased an XXXX at Best Buy with my Best Buy Visa Card. I told him that shortly after on XXXX, I went in to return the XXXX because they had a better deal at XXXX. I also explained to XXXX that when returning the XXXX, the customer Service XXXX forgot to return the XXXX XXXX coverage, which was more than {$200.00}. XXXX refused to refund the total amount I paid and said they could only give me a partial refund. I further explained that the customer service rep should've refunded me the XXXX XXXX plan when I returned the XXXX and I asked him if he could escalate this issue. He escalated the issue, but this is the XXXX time I've spoken to the Best Buy Customer Service line in a time frame of 2 months and am having a hard time reaching a solution with them. XXXX the customer service supervisor, gave me a case number : XXXX. 
Sir/Madam, please help me find a solution with them and have them refund the full amount. I never used the XXXX XXXX plan and it really should've been refunded. I only had that XXXX for 1 day. I appreciate your attention to this matter. This has caused a bit of stress, time and gas and late fees on my credit card statements because I was not expecting such a high bill due to the return.

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