vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, I filed a small claims lawsuit in Michigan against Equifax for failing to reinvestigate an inaccurate XXXX  XXXX XXXX 30-day late payment within the 30 days required under FCRA 1681i . My mailed disputes, sent with proof of identity ( drivers license, Social Security card, and utility bill ), were received by Equifax weeks earlier. No investigation results were ever sent to me.

This blocking of my account is not a one-time event. It has happened twice : The first time, I had to call Equifax multiple times and open a ticket. It took about three weeks before they finally restored my access. Now, immediately after I filed my lawsuit, Equifax has again blocked my account ( on Saturday XX/XX/XXXX ), even though I am using the same device and face-recognition login. 

At the same time, Equifax briefly marked my XXXX  XXXX XXXX account as Consumer Disputes reinvestigation in process, but then removed that notation and restored the late payment the very next business day ( a Saturday ). It is impossible for Equifax to have conducted a reasonable reinvestigation in that time frame.

Violations include : 1. Denial of my right to access my credit file under FCRA 1681g ( on two separate occasions ).

2. Failure to provide reinvestigation results within 30 days under FCRA 1681i ( a ) ( 1 ).

3. Failure to provide written notice within 5 business days if my disputes were deemed frivolous or unverifiable, as required by FCRA 1681i ( a ) ( 3 ) ( B ).

4. Improper handling of dispute status by adding and removing dispute notation within one business day, which does not qualify as a reasonable reinvestigation.

5. Retaliation for exercising my rights under the FCRA, demonstrated by sudden account blocking and removal of dispute notation immediately after my lawsuit was filed.

Harm suffered : As a direct result of Equifaxs failures and inaccurate reporting, I was denied credit by XXXX XXXX  and XXXX XXXX, causing financial harm, higher borrowing costs, and emotional distress. 

This shows a pattern of Equifax denying me my rights under the FCRA, failing to follow dispute procedures, and taking retaliatory actions once I sought relief through the courts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: SC

Complaint narrative:
I attempted to login into my account on XX/XX/year> nd the login was broken. It has been broken for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX, Bank of America charged off my XXXX XXXX  Since then, I have been told repeatedly by representatives that I have no active loan. Despite this, Bank of America has continued to hold the lien on my XXXX, preventing me from selling the vehicle. 

From XXXX until XXXX, I made voluntary monthly payments ranging from approximately {$300.00} {$600.00}. Bank of America required me to renew a payment plan every six months, applied the payments to the balance, but never reported them to credit bureaus and never provided a path to lien release. 

Since XX/XX/XXXX, Bank of America representatives consistently read me a disclaimer at the start of calls stating that, due to the age of the debt, the bank could not pursue legal action or credit reporting. On a call in XX/XX/XXXX, however, a representative denied the disclaimer was ever read and instead threatened that the XXXX  was out for repossession and that repossession would be reported to my credit. Reporting repossession now would constitute illegal re-aging of a time-barred debt under the Fair Credit Reporting Act. 

I have acted in good faith for seven years by making voluntary payments on a charged-off account, yet Bank of America refuses to release the lien or provide clear title. Their handling of this account has been inconsistent, misleading, and abusive.

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 2025-09-29 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: KS

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
The company randomly closed my XXXX XXXX account with no explanation or out reach. I had previously experienced fraud on my account that I reported that I thought was resolved.

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 2025-09-29 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
The XXXX credit bureaus Transunion, Equifax and Experian are reporting a remaining balance of {$3200.00} for SANTANDER. They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) in general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am requesting my contract for the purchase of the vehicle, and I am requesting My coverage contract for my Guaranteed Asset Protection insurance. I was coverage through out the duration of owning this vehicle. My vehicle was totaled and My coverage for the Guaranteed Asset Protection insurance should have paid the remaining balance on my account. I therefore request that you immediately delete this specified item. I have written multiple letters and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I did not give them WRITTEN SIGNATURE to report on credit! I need written consent of me allowing the report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FRAUDULENT INQUIRIES : 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 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 2025-09-29 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: NY

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 explanation
Consumer complaint received 2025-09-29 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: SC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX  - 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 XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
Our builder made us use Cross County Mortgage who is the lender XXXX XXXX told us we had use. XXXX XXXX would not release the loan to move from a construction loan to move to a mortgage loan without XXXX releasing XXXX XXXX of all liabilities and signing that the house construction is completed. The house is falling apart and has mold in it and has failed 3 inspections. We tried talking to Cross County a number of times to let them know what's going on and that we needed to talk with a attorney because something is not right and XXXX would tell us do not talk to lawyers because he would not be able to talk to us and we need to trust them, to make this workout. We tried telling him and XXXX that the house is full on mold and has major structural problems and the house can not be moved into or even repaid to make it livable and XXXX said that he does not care he is here to make loans and not work with home owners XXXX went on to say that I hung up on him when we talked on the phone. I have the emails and request for information. We told him that we can not accept the house and XXXX said accept it and release XXXX from claims or pay the property off if we did not then he would foreclose on XXXX because we had hit the time limit on the loan after XXXX said months ago not to talk to no one and trust them. After paying over {$44000.00} in interest over several months XXXX made the demand for {$400000.00}. I asked XXXX to please tell me why we needed to pay that amount to Cross County as we only had two draws just over {$300000.00}. XXXX said see closing docs I advised him I did and the amount was off by around {$69000.00} because we did use draw XXXX and that XXXX does not and can not be paid do to the lawsuit being filled. I reminded him that we need to sign off on all money to be paid before it's paid and XXXX would not respond to me. I still do not have nothing showing me who's been paid and where the money paid in went.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: AR

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 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
A creditor has violated my rights by reporting inaccurate information on my credit report without providing proper validation, chain of title, or legal documentation proving their right to collect this debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) requires furnishers and consumer reporting agencies to ensure the maximum possible accuracy of all reported information. Additionally, 15 U.S.C. 1681i mandates that disputed information must be promptly reinvestigated and deleted or corrected if found to be inaccurate, unverifiable, or fraudulent. The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, further requires debt collectors to validate debts and provide documentation such as the original contract or chain of title upon request. 

I demand that all inaccurate, unverifiable, and unvalidated information be deleted from my credit report immediately. Failure to comply will compel me to initiate legal action for violations of my rights under the FCRA and FDCPA, with potential claims for statutory damages, actual damages, and attorneys fees under 15 U.S.C. 1681n and 1681o. Take this matter seriously and act without delay to remedy your reporting errors.

Company response to consumer: Closed with explanation