vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: MS

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: OR

Complaint narrative:
I was trying to to linked my external account and they said it wasnt matching my legal name that listed on the axos bank account, and I told them both account are mine but I changed my legal name thats why the bank name doesnt match, but that didnt give them the right to freeze everything including my debit card access, the money in the bank is my money and its nothing to do with external account, and they wont removed restrictions on my account, I asked them to delete the external account and they said I have to sent documents??? XXXX  what kind of bank does that?????!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> my wife XXXX and I discovered an unauthorized transfer of {$1500.00} from our personal checking account at Wells Fargo in XXXX XXXX ( personal account ) to a checking a different Wells Fargo checking account for funds related to my deceased Father 's estate ( estate account ). We called to report the unauthorized transfer we were advised of several unauthorized XXXX transfers from the estate account starting on XX/XX/year> and continuing through XX/XX/year>. The unauthorized transfers total {$15000.00}. On XX/XX/year> we reported the unauthorized transfers to Wells Fargo. We have since received correspondence from Wells Fargo dated the next day, XX/XX/year>, telling us their " investigation '' revealed that we somehow authorized all of the transfers were authorized by us. Wells Fargo has closed its investigation. We have requested but have not yet received whatever documentation or facts Wells facts Fargo relied upon to conclude that we had authorized the transfer of the {$1500.00} from our personal account and the subsequent XXXX transfers. 
We have asked Wells Fargo to refund the {$15000.00}.

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 monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Lvnv funding my debt is XXXX. I have been calling to try and settle my debt. They are asking me to give the XXXX to pull up my credit report. Its unethical and it is to much fraud going around to just give my information out. No one can give me information on my account its like they cant even pull it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
Disputed Account Information : I am disputing the following two accounts reported by XXXX XXXX XXXX, both opened on XX/XX/year>, which appear to be either duplicate records or misreported accounts : Creditor Name : XXXX XXXX XXXX Account # XXXX Balance : {$580.00} Account # XXXX Balance : {$210.00} Date Opened ( Both ) : XX/XX/year> Account Type : Charge-Off / Collection Account Responsibility : Individual These accounts were not authorized, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To Whom It May Concern, I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i.

The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
In XX/XX/year>, I reviewed my Experian credit report and discovered a XXXX XXXX account reporting a balance of {$2000.00} that I did not authorize or open. I have never had an account with XXXX, nor have I applied for one. This account is fraudulent and appears to be the result of identity theft. I previously attempted to dispute the account directly through Experian, but the dispute was not resolved in my favor, and the account remains on my report. I have since filed an FTC Identity Theft Report and included XXXX in the documentation sent to all three credit bureaus, requesting the removal of this fraudulent tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/year>, I reviewed my Experian credit report and discovered a XXXX XXXX account reporting a balance of {$2000.00} that I did not authorize or open. I have never had an account with XXXX, nor have I applied for one. This account is fraudulent and appears to be the result of identity theft. I previously attempted to dispute the account directly through Experian, but the dispute was not resolved in my favor, and the account remains on my report. I have since filed an FTC Identity Theft Report and included XXXX in the documentation sent to all three credit bureaus, requesting the removal of this fraudulent tradeline.

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 2025-06-24 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-25 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:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX 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 2025-06-24 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CarMax, Inc.
State: KS

Complaint narrative:
I have an issue with CarMax. I never gave permission for my credit to be run for an auto loan. I only submitted a pre-qualification application, which, according to their website, should not result in a hard inquiry on my credit report. 
Despite this, I began receiving emails about loan denials from various lenders. I want to clarify that I never completed or submitted a full credit application, and Im concerned that my credit was accessed without proper authorization.

Theres no reason why I should have any inquiries because I never gave them permission to run a full Credit Report this is thats not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-24 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : BANKRUPTCY - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
I am formally disputing multiple inaccurate and outdated late payment entries on my Equifax credit report. The accounts in question are : XXXX XXXXXXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is reporting a late payment dated XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, showing a late payment dated XX/XX/XXXX, despite being a closed or paid account with a XXXX balance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported late on XX/XX/XXXX, though the account is closed and paid in full. 
XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was settled and paid for less than the full balance back on XX/XX/XXXX, yet still shows a derogatory payment history despite the age and status of the account. 

These entries are both misleading and potentially in violation of the Fair Credit Reporting Act ( FCRA ), specifically under Section 607 ( b ), which mandates Equifax maintain maximum possible accuracy in consumer reports. Continuing to report closed or settled accounts with XXXX balances as delinquent misrepresents my creditworthiness and unfairly suppresses my credit score. 

Additionally, XXXX late payment entry is especially egregious given its agenearly a decade old. Under Section 605 ( a ) of the FCRA, derogatory payment history that is obsolete and no longer relevant should not remain on a consumer 's credit file beyond the allowable reporting period. If Equifax can not verify these entries with complete documentation from the original creditorsincluding dates of delinquency, proof of notification, and reconciliation with the current account statusthen these entries must be corrected or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: PA

Complaint narrative:
I am submitting a formal complaint regarding inaccurate information being reported by all three major credit bureaus : XXXX XXXX and Experian. 

My XXXXXXXX XXXX XXXX  ending in XXXX is incorrectly showing an outstanding balance on my credit reports. This account has been paid off in full, and XXXX has confirmed that the current balance is {$0.00}. Despite this, the credit reporting agencies have failed to update the information accordingly. 

I have contacted XXXX, and they verified that they have submitted the correct balance to the bureaus. The issue appears to be with XXXX XXXX and Experian not reflecting the accurate data in their reports. 

This incorrect information is impacting my credit profile and may affect my ability to access credit fairly.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue and take action to ensure that the credit bureaus correct my account information immediately. 

Thank you for your help and attention to this matter. 

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 2025-06-24 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: PA

Complaint narrative:
I am submitting a formal complaint regarding inaccurate information being reported by all three major credit bureaus : XXXX  Equifax, and XXXX 

My XXXXXXXX XXXX XXXX  ending in XXXX is incorrectly showing an outstanding balance on my credit reports. This account has been paid off in full, and XXXX has confirmed that the current balance is {$0.00}. Despite this, the credit reporting agencies have failed to update the information accordingly. 

I have contacted XXXX, and they verified that they have submitted the correct balance to the bureaus. The issue appears to be with XXXX Equifax, and XXXX not reflecting the accurate data in their reports.

This incorrect information is impacting my credit profile and may affect my ability to access credit fairly.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue and take action to ensure that the credit bureaus correct my account information immediately.

Thank you for your help and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: PA

Complaint narrative:
I am submitting a formal complaint regarding inaccurate information being reported by all three major credit bureaus : TransUnion, XXXX XXXX XXXX 

My XXXXXXXX XXXX XXXX  ending in XXXX is incorrectly showing an outstanding balance on my credit reports. This account has been paid off in full, and XXXX has confirmed that the current balance is {$0.00}. Despite this, the credit reporting agencies have failed to update the information accordingly. 

I have contacted XXXX, and they verified that they have submitted the correct balance to the bureaus. The issue appears to be with TransUnion, XXXX XXXX XXXX  not reflecting the accurate data in their reports.

This incorrect information is impacting my credit profile and may affect my ability to access credit fairly.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue and take action to ensure that the credit bureaus correct my account information immediately.

Thank you for your help and attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-06-24 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: SC

Complaint narrative:
There are various mistakes on my credit report all detailed in a letter. I am exercising my rights under the FCRA to have these mistakes investigated and have the mistakes deleted for inaccurate reporting within the 30 day 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 non-monetary relief