vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
This is in regards to the original CFPB complaint filed on XX/XX/2025 COMPLAINT ID XXXX : I am writing in response to your recent communication stating that my dispute is considered frivolous. This assertion is entirely unfounded and unacceptable. 

I am supplying new documentation directly from XXXX, clearly and explicitly confirming this account is not mine. This is not a duplicative or frivolous disputeit is a substantive update with critical new evidence. Refusing to investigate a legitimate dispute, especially when supported by new documentation, is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am formally demanding the immediate deletion of : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( corresponding collection for {$810.00} ) Failure to investigate and correct this erroneous information will leave me no choice but to pursue legal action against Equifax for failure to comply with federal law, including but not limited to damages for emotional distress, credit defamation, and statutory violations under the FCRA. 

This is my final notice before legal proceedings are initiated. I am also submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) and will be retaining documentation of all communications. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
My wife, XXXX XXXX, and I signed papers near the close of escrow approving and agreeing to the terms of the Axos Bank loan. The monthly statement from Axos Bank for the first monthly payment shows a discrepancy in the initial monthly payment vs. the loan docs we signed in escrow. I brought this to the attention of Axos Bank and they are telling me that the discrepancy between the signed escrow documents and the monthly statement is an error in the signed escrow papers. I told the bank that they can not depart from the loan terms as specified in the escrow documents. They refuse to correct their monthly statement to conform with the loan terms we signed in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am formally disputing a series of fraudulent Zelle transactions totaling {$3200.00}, which were processed through my XXXX XXXX XXXX XXXX account between XX/XX/XXXX and XX/XX/2023. These payments were made to an individual ( XXXX XXXX ) who fraudulently claimed to operate an auto repair business. This was a well-executed scam involving impersonation, deception, and a fabricated business identity. 

While these transactions may have been technically authorized in the sense that I initiated them using the Zelle interface, they were not legally authorized under the Electronic Fund Transfer Act ( EFTA ) and Regulation E due to the fraudulent circumstances surrounding them. Consent obtained through deception nullifies authorization. The transactions were induced by fraudulent misrepresentation a point on which federal law is clear. 

XXXX  Responsibility Under Federal Law As the account-holding financial institution, XXXX XXXX XXXX XXXX is directly responsible for addressing and resolving disputes under 12 CFR 1005.11. Your institution is required to : Promptly investigate upon notice of an error or unauthorized transfer.

Determine whether an error occurred within 10 business days.

Report the results and correct the error within one business day after the determination.

If more time is needed, provisionally credit the consumers account within 10 business days while continuing the investigation. 

To date, these obligations have not been satisfied. My prior attempts to recover these funds through Zelle were met with a generic denial based on the false assumption that authorization equates to consent. This ignores both CFPB guidance and Regulation E commentary, which states : A consumer who is induced by fraud to initiate an electronic funds transfer has not authorized that transfer for purposes of the act. CFPB XXXX XXXX to XXXX ( m ) XXXX can not waive its responsibility by deferring to Zelle. Zelle is a delivery channel, not a party to the transaction. Your bank processed the payment and holds the liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
Javitch Block LLC sued me on behalf of XXXX XXXX XXXXXXXX in XXXX XXXX. XXXX. I served a Motion to XXXX XXXX and a Motion to Dismiss by certified mail. Javitch Block failed to respond, and the court dismissed the case. I had to pay out of pocket to properly serve my motions a total of {$16.00} in certified mails costs.

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 2025-05-30 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:
RE : Inaccurate Information After reviewing my credit report, I noticed the following accounts are not being reported correctly. Please update the following account ( s ) as paid on time or paid as agreed : Date of late payments : XXXX XXXX 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 2025-05-30 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: TX

Complaint narrative:
RE : Inaccurate Information After reviewing my credit report, I noticed the following accounts are not being reported correctly. Please update the following account ( s ) as paid on time or paid as agreed : Date of late payments : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
RE : Inaccurate Information After reviewing my credit report, I noticed the following accounts are not being reported correctly. Please update the following account ( s ) as paid on time or paid as agreed : Date of late payments : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information was compromised in the Equifax breach. Since then, Ive found several accounts on my credit report that I did not open. On top of that, many of my actual accounts are being reported inaccurately, This includes incorrect dates of last activity, false late payments, inaccurate balances, and other reporting errors. 

I have tried to dispute this online, and the MYEQUIFAX platform can not pull a current credit report or allow me to do anything at this time, even though I have submitted and verified my identity. 

Ive attached documents to support my dispute and to help ensure the credit reporting reflects what the law requires. These errors have seriously damaged my credit and have made it difficult to make necessary purchases. 

XXXX  has already completed its investigation, confirmed the fraud and inaccurate reporting, and removed the accounts I mentioned. Ive attached their results, and I expect Equifax to do the same. The outcome of your investigation should reflect the same findings as XXXX and XXXX. 

I have attached ID Verification Proof of Address and the necessary documents with results showing these accounts have already been removed from XXXX XXXX investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) in relation to a dispute I submitted concerning an account reported by XXXX XXXX XXXX. 

On or around XX/XX/2025, I received a notification from Experian stating that the account has not been changed and will remain on my credit report. The account in question is : - Company : XXXX XXXX XXXX - Account Number : XXXX - Experian Report Number : XXXX - Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX The account with XXXX XXXX XXXXthat starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/2025 Report Number : XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX Despite my proper dispute, Experian failed to provide any documentation or verification to prove the validity of the debt. No evidence was sent to me, and there was no indication of a legitimate reinvestigation process. 

Violations of the FCRA Include : - 15 U.S.C. 1681i ( a ) : Experian did not conduct a reasonable reinvestigation of the disputed information. 
- 15 U.S.C. 1681e ( b ) : The continued reporting of an unverified debt violates the duty to maintain maximum possible accuracy. 
- 15 U.S.C. 1681i ( a ) ( 6 ) : Experian did not notify me with results that included proper documentation or procedures taken. 
- 15 U.S.C. 1681i ( a ) ( 3 ) : If the account could not be verified, it should have been deleted. 

Pattern of Noncompliance : Experian has been previously sued by the CFPB for similar violations, including failure to properly reinvestigate disputes and for continuing to report inaccurate or unverifiable information. This instance reflects a continuing pattern of systemic FCRA violations. 

Requested Relief : I respectfully request that the CFPB : 1. Investigate Experians reinvestigation practices in this case. 
2. Require Experian to delete the XXXX XXXX XXXX account if no verifiable documentation can be provided. 
3. Impose any appropriate penalties for failure to comply with federal consumer reporting requirements. 

I am attaching the response I received and request that this matter be resolved urgently, as it negatively affects my creditworthiness and financial well-being.

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 2025-05-30 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: GA

Complaint narrative:
Please block and delete the unauthorized accounts from my credit report at your earliest convenience. I did not create or approve these accounts and have no knowledge of how they appeared. As outlined in USC 1681g, I am officially requesting their removal within the next 15 days. Attached are relevant documents for your review. Additionally, each credit bureau is reporting different and inaccurate information for these accounts.

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 2025-05-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im filing a formal complaint against XXXX for reporting a charged-off account with a balance of {$2000.00}. The last payment was made in XX/XX/XXXX, yet they continue to update the account monthly as a fresh charge-off through XX/XX/XXXX. This is blatant re-aging, which violates the Fair Credit Reporting Act ( FCRA 1681c ) and falsely resets the delinquency timeline to cause ongoing damage to my credit profile. 

I previously disputed this account, and Affirm failed to correct the errors or provide any form of debt validation, including : The original signed contract A lawful accounting of how the balance was calculated Proof that Affirm has the legal right to report or collect on this debt The continued reporting of this unvalidated, charged-off debtcombined with their failure to properly investigate my disputeconstitutes willful noncompliance with the FCRA and FDCPA ( 809 ). Updating a charge-off monthly is misleading, inaccurate, and designed to extend credit damage beyond whats legally permitted. 

I am requesting full deletion of this tradeline from my Experian credit file. If the account is not removed, then XXXX must immediately correct it to reflect a {$0.00} balance, closed status, and remove all monthly charge-off activity. If no documentation can be produced, the law requires deletion. Period.

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 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: CA

Complaint narrative:
Send a debt validation letter to company asking to validate the debt with a certified letter. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To Whom It May Concern : I am formally disputing a series of fraudulent XXXX transactions totaling {$3200.00}, which were processed through my Citibank , N.A . account between XX/XX/XXXX and XX/XX/year>. These payments were made to an individual ( XXXX XXXX ) who fraudulently claimed to operate an auto repair business. This was a well-executed scam involving impersonation, deception, and a fabricated business identity. 

While these transactions may have been technically authorized in the sense that I initiated them using the XXXX interface, they were not legally authorized under the Electronic Fund Transfer Act ( EFTA ) and Regulation E due to the fraudulent circumstances surrounding them. Consent obtained through deception nullifies authorization. The transactions were induced by fraudulent misrepresentation a point on which federal law is clear. 

Citibanks Responsibility Under Federal Law As the account-holding financial institution, Citibank , N.A . is directly responsible for addressing and resolving disputes under 12 CFR 1005.11. Your institution is required to : Promptly investigate upon notice of an error or unauthorized transfer.

Determine whether an error occurred within 10 business days.

Report the results and correct the error within one business day after the determination.

If more time is needed, provisionally credit the consumers account within 10 business days while continuing the investigation. 

To date, these obligations have not been satisfied. My prior attempts to recover these funds through XXXX were met with a generic denial based on the false assumption that authorization equates to consent. This ignores both CFPB guidance and Regulation E commentary, which states : A consumer who is induced by fraud to initiate an electronic funds transfer has not authorized that transfer for purposes of the act. CFPB Official Interpretation to XXXXXXXX XXXX XXXX XXXX Citibank can not waive its responsibility by deferring to XXXX. XXXX is a delivery channel, not a party to the transaction. Your bank processed the payment and holds the liability.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I found there are some unauthorized hard inquiries on my TransUnion report from XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
My credit report contains multiple collection accounts that are inaccurate or unverifiable : XXXX. XXXX XXXX XXXX is reporting a {$250.00} collection. I was not notified and have not received any validation of this debt, including proof of assignment or the original creditor 's documentation. 

XXXX. XXXX XXXX is reporting a utility charge-off for {$440.00} without proper billing statements or final balance breakdown. I never received any notice or verification. 

XXXX. XXXX is reporting a {$9000.00} collection related to an apartment lease. I was never notified of this debt and have not received any proof, itemized charges, or a lease agreement to support the amount reported. 

XXXX XXXX XXXX XXXX XXXX reporting a {$380.00} collection for XXXX. I was not provided with a validation letter, and this item remains disputed with no documentation provided. 

I am requesting the removal of these accounts if they can not be verified within 14 days, in accordance with FCRA 611 and FDCPA 809.

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 2025-05-30 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: TX

Complaint narrative:
My credit report contains multiple collection accounts that are inaccurate or unverifiable : XXXX. XXXX XXXX XXXX is reporting a {$250.00} collection. I was not notified and have not received any validation of this debt, including proof of assignment or the original creditor 's documentation. 

XXXX. XXXX XXXX is reporting a utility charge-off for {$440.00} without proper billing statements or final balance breakdown. I never received any notice or verification. 

XXXX. XXXX is reporting a {$9000.00} collection related to an apartment lease. I was never notified of this debt and have not received any proof, itemized charges, or a lease agreement to support the amount reported. 

XXXX XXXX XXXX XXXX XXXX reporting a {$380.00} collection for XXXX. I was not provided with a validation letter, and this item remains disputed with no documentation provided. 

I am requesting the removal of these accounts if they can not be verified within 14 days, in accordance with FCRA 611 and FDCPA 809.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureaus Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Reporting Failure to Provide 1099-C To Whom It May Concern : I am writing to formally dispute a charged-off account currently listed on my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX  : ( XXXX XXXX XXXX XXXX ) Account Number : XXXX Amount : {$620.00} Reported as Charged-Off on : they have conflicting information and have listed XXXX different dates XX/XX/XXXX and XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be complete and accurate. This account is listed as a write-off or charge-off, which typically indicates a cancellation of debt. However, I have not received a 1099-C form, which is required by the IRS when a lender cancels a debt of {$600.00} or more. 

If this debt was indeed cancelled or forgiven, the creditor is legally obligated to issue a 1099-C, and I should have received a copy for tax purposes. The absence of this form raises serious concerns about the accuracy and completeness of this accounts reporting.

Therefore, under 15 U.S.C. 1681i and 1681s-2, I request that you remove XXXX XXXX off of my credit reports from all XXXX credit bureaus respectively. 

Please conduct your investigation and provide a written response within the 30-day time frame as required by the FCRA. 

Attached are copies of my identification and a copy of my credit report showing the item in question for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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