vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: FL

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

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

Company 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 2025-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I am writing to file a complaint against AXOS Bank regarding an improper late fee charged to my mortgage account. 

I have set up automatic monthly payments with AXOS Bank, scheduled for the XXXX of each month. In XX/XX/year>, the XXXX fell on a Saturday. As a result, my payment was processed on the following business day, Monday, XX/XX/year>. Despite this, AXOS Bank charged me a late fee of {$500.00}. 

I contacted AXOS Bank multiple times to dispute this charge, but they have refused to reverse it. I believe this fee is unfair and should not have been applied, for the following reasons : The delay in payment was due to the banks system and the timing of the weekend, not due to any negligence on my part. 
On previous occasions when the due date fell on a weekend, AXOS Bank did not charge a late fee. This inconsistent treatment, without any prior notice, is unreasonable and misleading. 

I am requesting that the CFPB review this matter and require AXOS Bank to refund the {$500.00} late fee. I also ask that AXOS Bank clarify its policy on payment dates that fall on weekends to prevent similar issues in the future. 

Please let me know if additional documentation is required. I can provide full account details directly to AXOS Bank if necessary. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and I'm demanding proof of documentation showing permission consent with signature.

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 2025-09-03 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and I'm demanding proof of documentation showing permission consent with signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-02 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 a verified victim of identity theft. The XXXX Department of Justice has convicted and sentenced the individual who stole and sold my personal information. Despite providing documentation of this conviction, the credit reporting agencies ( Experian, Equifax, and TransUnion ) continue to report fraudulent accounts, inquiries, and negative items dating back to 2020. 
These items are not mine, and their continued reporting is unlawful under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
FCRA Violations by Credit Bureaus : 15 U.S.C. 1681c-2 ( Section XXXX ) : Requires consumer reporting agencies to block identity theftrelated information within XXXX business days of receiving appropriate proof. 
15 U.S.C. 1681i : Requires credit bureaus to conduct a reasonable reinvestigation of disputed information. Failure to delete proven fraudulent data is not reasonable.

15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) : Furnishers may not report information they know or should know is inaccurate. 
FDCPA Violations ( applicable where furnishers or collectors are involved, and by bureaus continuing to publish disputed false data ) : 15 U.S.C. 1692d : Prohibits harassment or abuse in connection with the collection of a debt. Continuing to report fraudulent debts causes direct harm and harassment.

15 U.S.C. 1692e : Prohibits any false, deceptive, or misleading representation. 
XXXX ( XXXX ) ( A ) : Misrepresenting the character, amount, or legal status of a debt. 
XXXX ( XXXX ) : Prohibits communicating or threatening to communicate false credit information, including failing to report that a debt is disputed. 
XXXX ( XXXX ) : Prohibits the use of any false representation or deceptive means to collect or attempt to collect a debt.

15 U.S.C. 1692f : Prohibits unfair or unconscionable means of collecting or reporting debts, which includes knowingly publishing fraudulent accounts or inquiries that result from identity theft. 
Harm Caused : Because of these unlawful reporting practices, I have suffered : Denials of housing applications. 
Denials for vehicle financing. 
Repeated denials of legitimate credit. 
Ongoing damage to my creditworthiness, financial stability, and personal life. 

DOJ conviction and sentencing documentation Copy of Identity Theft Report ( FTC or local police ) Government-issued ID Proof of address The credit bureaus continued failure to comply with FCRA Section XXXX and their violations of FDCPA Sections XXXX, XXXX, and XXXX are unlawful and must be corrected immediately. 
Thank you for your urgent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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 am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My boss give me a loan thru XXXX sent to my bank with amount of {$1000.00} and then Bank of America put the money on hold for XXXX hours I need the funds to get my car from the shop they want to charge me more money for storage fee for XXXX more day I explain this to the supervisor from Bank of America she say she cant help me is no fair the bank already have the money they deduct from my boss account at the moment he sent the 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 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OH

Complaint narrative:
Subject : Dispute of Inaccurate Account Reporting To Whom It May Concern, I am writing to dispute the accuracy of the account reported by Jefferson Capital on my XXXX  credit report. Neither Jefferson Capital nor XXXX  provided me with the disclosures required under federal law prior to reporting this account.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( XXXX ), consumer reporting agencies must conduct a reasonable investigation of disputed information. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), a debt collector is required to provide a written notice containing specific information regarding the debt before taking collection action. 

I further note that verification under the FCRA requires attestation or certification of accuracy, as recognized in XXXX XXXX XXXX ( XXXX XXXX. XXXX, 2015 ), and this standard has not been met in this instance. 

I request that XXXX  and Jefferson Capital provide proper verification of this debt, including the documentation used to report it, or remove the account from my consumer report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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 recently reviewed my consumer report and I noticed that there were late payments on my account with XXXX XXXX XXXX XXXX that I havent been late for in addition to that, I have also noticed that several of my consumers rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report have several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15. US Code 1681 a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and i am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX XXXX for the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank YOU! Please see attached screenshot to view the late payments and inaccuracies that i am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA, I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
I recently reviewed my consumer report and I noticed that there were late payments on my account with XXXX XXXX XXXX XXXX that I havent been late for in addition to that, I have also noticed that several of my consumers rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report have several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15. US Code 1681 a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and i am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX XXXX for the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank YOU! Please see attached screenshot to view the late payments and inaccuracies that i am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA, I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: MO

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXXXXXX Date : XX/XX/25 XXXX Date : XX/XX/25 XXXX  Date : XX/XX/25 XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX  XXXX Date : XX/XX/25 XXXX XXXX  Date : XX/XX/25 XXXX XXXX Date : XX/XX/25 GXXXX XXXX Date : XX/XX/25 XXXX XXXX Date : XX/XX/25 XXXX XXXX  Date : XX/XX/25 XXXX  Date : XX/XX/25 XXXX XXXX XXXX Date : XX/XX/25 XXXX XXXX Date : XX/XX/25 XXXX XXXX Date : XX/XX/25 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company 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 2025-09-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Company called me constantly, sent texts, contacted my family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NM

Complaint narrative:
Issue type : Incorrect information on your credit report Companies : Equifax Information Services LLC Experian Information Solutions , Inc. 
TransUnion LLC What happened? 
On XX/XX/XXXX, I sent formal written disputes ( via certified mail ) to all three major credit bureaus Equifax, Experian, and TransUnion regarding an inaccurate XXXX XXXX  tradeline ( Acct # : XXXX ). My dispute outlined multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards, including : Repeated monthly charge-off ( CO ) reporting from XXXX through XXXX, violating Metro 2 XXXX p. XXXX, which requires payment history suppression after charge-off The account is listed as charged-off but still shows a past due balance of {$1500.00}, which is false and misleading under FCRA 1681e ( b ) and 607 ( b ) The account is closed, yet still reports a utilization rate of 126 %, severely damaging my credit score No Date of First Delinquency ( DOFD ) is reported, violating FCRA 623 ( a ) ( 5 ) and 1681g ( a ) The debt is time-barred under New Mexico law. The last payment was XX/XX/XXXX, and the statute of limitations expired XX/XX/XXXX, per XXXX XXXX. XXXX. XXXX As of XX/XX/XXXX, none of the three credit bureaus have sent a response, reinvestigation results, or any communication which is a direct violation of : FCRA 1681i ( a ) ( 1 ) ( A ) 30-day reinvestigation deadline FCRA 1681i ( a ) ( 6 ) Failure to send results within 5 business days of completion Additionally, the credit reports now include the remark Dispute resolved reported by grantor, indicating that XXXX XXXX  responded to the dispute. However, the reporting remains inaccurate, proving that no reasonable reinvestigation occurred, and that the CRAs relied solely on the furnishers word in violation of FCRA 1681i, and as interpreted by Cushman v. Trans Union ( XXXX XXXX XXXX, XXXX XXXX. XXXX ). 

I am requesting : Immediate deletion of the XXXX XXXX  tradeline across all three credit reports Disclosure of method of verification under FCRA 1681i ( c ) Written confirmation of all findings and changes Supporting documents included : Certified dispute letters ( dated XX/XX/XXXX ) Screenshots of the XXXX tradeline showing ongoing CO marks and false past-due balance in XXXX Screenshot showing Dispute resolved reported by grantor USPS certified mail receipt

Company response to consumer: Closed with non-monetary relief