vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: NC

Complaint narrative:
Im reporting {$5000.00} in fraudulent charges on my Axos Bank business debit card, made to a XXXX Ads account I do not own or control. I reported the charges immediately, filed a police report ( ID : XXXX ), and was told a fraud case was opened ( # XXXX ). The charges have since posted, and Axos has provided no clear update, timeline, or transparency about how the case is being handled.

I received no fraud alerts or security notifications at the time of the transactions, despite the large amounts and uncharacteristic activity. Ive called multiple times, locked my card, and provided full documentation. All Axos will say is that the charges are under investigation, with no explanation of steps, timeline, or escalation process. Ive asked twice to speak with a manager and was told one was not available. The lack of communication and basic transparency from the bank is unacceptable. 

Adding to this, I contacted XXXX, the merchant that processed the fraudulent charges, and attempted to verify the activity and flag the account ( XXXX Ads account : XXXX ). However, XXXX refused to provide any assistance. I was told they do not speak with victims of fraud and would only respond to law enforcement via subpoena or formal LERS request. 

As a massive platform that stores ad account IDs and billing records, XXXX is in a unique position to quickly confirm whether a charge was tied to the rightful owner of an account. Their refusal to assist either me or the bank directly creates an unacceptable gap in the fraud resolution process. This leaves victims entirely dependent on law enforcement or legal systems, which adds weeks ( or months ) to the process. 

For a small business owner, this is a serious and time-sensitive financial event. Axos has not acted with the urgency required, and XXXX has actively obstructed the ability to resolve the issue quickly. XXXX requesting : A full, expedited investigation from Axos Reimbursement for the unauthorized charges And a formal review of XXXX anti-fraud cooperation policies as a high-volume merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
I am disputing a XXXX  collection reported by Amsher Collection Services for XXXX in the amount of {$320.00}. I was never notified of this debt, never received validation, and do not have any documentation proving its accuracy or legitimacy. 

I have sent a dispute to both Amsher and the credit bureaus. No documentation or proof has been provided as required by law. Continued reporting without validation violates FCRA 611 and FDCPA 809. I am requesting immediate deletion of this account from all credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CORELOGIC INC
State: TX

Complaint narrative:
I am filing a complaint against XXXX  and CoreLogic because during a recent mortgage prequalification with XXXX  XXXX XXXX, I was told that my credit score and/or credit data were inaccessible, preventing the lender from fully evaluating my application.

I have confirmed there is no freeze, lock, fraud alert, or block on my XXXX  or CoreLogic credit files. I was referred to CoreLogic by XXXX  XXXX XXXX to investigate a supposed derogatory account, but CoreLogic did not show any such account, and XXXX  was also reportedly inaccessible during the process. 

I have not received a clear explanation from either bureau about why this information was unavailable to the lender, and I believe this has unfairly impacted my ability to qualify for a mortgage. This issue may also violate my rights 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 2025-07-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
I have called several times trying to get an itemized statement, every time I have spoken with the same person named XXXX. I requested to have this information sent to me via certified mail, and he refused to send it, he stated he has sent this information to me in XX/XX/scrub> 2024 and I advised him that I didnt received it. He used threatening language and when I asked him to clarify what he meant, he again replied with threatening language.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
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 2025-07-24 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding several inaccurate and unauthorized items being reported on my Experian credit report. My report contains two incorrect addresses, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, neither of which I have any connection with. These false addresses raise concerns about errors and possible identity theft. 

Additionally, my credit report lists multiple hard inquiries from various companies on dates when I did not authorize or apply for credit. These companies include XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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. I did not authorize any of these inquiries, and they are negatively impacting my credit score and financial reputation. 

Despite my efforts to dispute these matters directly with Experian, the inaccurate addresses and unauthorized inquiries remain on my report. I request the CFPB investigate these inaccuracies and assist me in ensuring my credit report is corrected promptly by removing all unauthorized and inaccurate information. 

Thank you for your attention and assistance in resolving this matter.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
I discovered unauthorized activity on my credit report and financial accounts that I did not initiate or approve. On or around XX/XX/year> noticed the issue, I noticed a new account and/or credit inquiries that I did not recognize. Additionally, I received bills and/or calls from collection agencies regarding accounts that I never opened or used. 

After reviewing my credit report, I identified the following suspicious activity : An account was opened on [ insert date ] with [ company name ] for [ amount or type of account, e.g., credit card or loan ]. 
Multiple credit inquiries were made between [ insert date range ] without my knowledge or permission. 
I was billed for a product or service I never received, totaling [ insert amount ]. 
I did not authorize these actions and believe my personal information was used fraudulently. In response, I took the following actions : Filed a report with the Federal Trade Commission ( FTC ) at IdentityTheft.gov.

Placed a fraud alert with the major credit bureaus.

Contacted my financial institutions to secure my accounts and stop any further unauthorized transactions.

Filed a police report with the [ insert police department name ] on [ insert date ]. 
I am requesting that these fraudulent accounts be closed or blocked and that any negative marks related to this identity theft be removed from my credit report. Please let me know if further documentation is needed.

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 2025-07-24 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: CA

Complaint narrative:
I discovered unauthorized activity on my credit report and financial accounts that I did not initiate or approve. On or around XX/XX/year> noticed the issue, I noticed a new account and/or credit inquiries that I did not recognize. Additionally, I received bills and/or calls from collection agencies regarding accounts that I never opened or used. 

After reviewing my credit report, I identified the following suspicious activity : An account was opened on [ insert date ] with [ company name ] for [ amount or type of account, e.g., credit card or loan ]. 
Multiple credit inquiries were made between [ insert date range ] without my knowledge or permission. 
I was billed for a product or service I never received, totaling [ insert amount ]. 
I did not authorize these actions and believe my personal information was used fraudulently. In response, I took the following actions : Filed a report with the Federal Trade Commission ( FTC ) at IdentityTheft.gov.

Placed a fraud alert with the major credit bureaus.

Contacted my financial institutions to secure my accounts and stop any further unauthorized transactions.

Filed a police report with the [ insert police department name ] on [ insert date ]. 
I am requesting that these fraudulent accounts be closed or blocked and that any negative marks related to this identity theft be removed from my credit report. Please let me know if further documentation is needed.

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 2025-07-24 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: GA

Complaint narrative:
I am filing this dispute regarding several accounts that were fraudulently opened in my name. I did not authorize or open the following accounts : XXXX  XXXX ( XXXX accounts with balances of {$1100.00}, {$2700.00}, and {$2100.00} ) XXXX  XXXX ( {$1300.00} ) XXXX XXXX XXXX  ( {$750.00} ) XXXX XXXX XXXX ( {$20000.00} ) XXXX ( {$17000.00} ) XXXX XXXX ( {$9900.00} ) XXXX XXXX XXXX XXXX ( XXXX accounts totaling {$25000.00}, {$20000.00}, and {$4500.00} ) XXXX ( {$5000.00} ) XXXX XXXX ( {$8700.00} ) XXXX XXXX  ( {$36000.00} ) I contacted the credit bureaus by phone and was advised to file a police report to support my claim. I have complied and submitted a police report. The official case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-07-24 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: AR

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TN

Complaint narrative:
bXXXX XXXX\nXXXX\nXXXX\nXXXX XXXX XXXX XXXX\nTennessee XXXXn\nEquifax Information Services, LLC\nXXXX XXXX  XXXX\nXXXX, GA  XXXX\n\nSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Equifax Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1.\tXXXX XXXX XXXX XXXX \n2.\tXXXX XXXX XXXX XXXX \n3.\tXXXX XXXX XXXX XXXX XXXX \n4.\tXXXX XXXX XXXX XXXX \n5.\tXXXX XXXX \n6.\tXXXX XXXX XXXX XXXX XXXX \n\nINQUIRIES:\n1.\tXXXX XXXX XXXX XXXX XXXX\n2.\tXXXX XXXX XXXX XXXX XXXX XXXX XXXX\n3.\tXXXX XXXX XXXX XXXX XXXX XXXX\n\nI request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n\nXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$220.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX NXXXX XXXX Date : XX/XX/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 2025-07-24 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: SC

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 Services, 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 SC XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$330.00} INQUIRIES : XXXX XXXX  Date : XX/XX/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 2025-07-24 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: WI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XXXX/XXXX/24

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