vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing this formal complaint because my consumer credit report contains materially inaccurate information and the credit bureau has failed to correct or properly investigate the errors. The inaccurate reporting is causing and continues to cause concrete harm to my creditworthiness, housing and employment prospects, and financial standing. 

I've contacted Experian and Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Requesting this inaccurate information be removed from my credit report. The creditors even notified them to remove it and the accounts remains on my credit report. Causing a great deal of stress. 

Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXXreditor unable to verify this alleged debt belongs to me Account # XXXX XXXX XXXX XXXX XXXX creditor unable to verify this alleged debt is mine Date first reported to bureau : XX/XX/XXXX Bureaus reporting : Equifax and Experian 15 U.S.C. 1681i On notice of dispute the consumer reporting agency must conduct a reasonable reinvestigation within 30 days and correct or delete inaccurate information. I have disputed these accounts on the above reference dates and demanded reinvestigation ; the response was inadequate/unsupported

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 2025-11-12 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 am disputing the following charged-off accounts, inquiries, and late payments on my Experian credit report : Charged-Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$550.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$300.00XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$140.00} Inquiry Disputes : XXXX XXXX XXXX XXXX XXXX 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

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: CT

Complaint narrative:
I deposited a {$2300.00} check into my established Axos Bank business checking account using their XXXX XXXX XXXX mobile app. Axos placed a five-business-day hold on this deposit and refused to release any portion of the funds, including the federally required first-day availability amount under XXXX XXXX, despite no valid exceptions applying. 

My account is not new, the check was not redeposited, the amount was below the large deposit threshold, I have no overdraft history, and Axos provided no Regulation CC exception notice. 

This extended hold caused real hardship for our small agricultural business ( XXXX XXXX XXXX XXXX ). We could not buy gas or groceries, and we were unable to travel to check on livestock at an active job site. This directly disrupted our operations and put our animals at risk.

Axos later responded that mobile deposits are not subject to XXXX XXXX and therefore they can hold all mobile deposits for five business days. This policy was not clearly disclosed at account opening and differs greatly from typical industry practice, where most banks still apply next-business-day availability to remote capture deposits. 

I request that the CFPB review whether Axos Bank : properly discloses its mobile deposit hold policies, is complying with Regulation CC disclosure requirements, is improperly applying blanket extended holds without valid exceptions, and is causing consumer and small business harm through unreasonable delays. 

I am requesting a full review, correction, and oversight to prevent this from happening to other small-business customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mandarich Law Group, LLP
State: WA

Complaint narrative:
Statement Regarding Garnishment Notification Date : XX/XX/year> To Whom It May Concern : On XX/XX/year>, I received my paystub from my employer and observed that my paycheck was significantly less than expected. Upon review, I discovered that a wage garnishment had been applied. After obtaining the related documentation from my employer, I identified Mandarich Law Group as the firm associated with the Writ of Garnishment. 

I wish to formally state that I was never served with notice of this garnishment action, nor did I receive any prior communication or documentation indicating that such proceedings were being initiated. The first notice I received regarding this matter was the reduction in my paycheck. 

Additionally, I have no prior knowledge of any debt allegedly owed to XXXX XXXX, nor have I received any correspondence, billing statements, or validation of debt from this entity. Consequently, I was denied the opportunity to review, dispute, or resolve the alleged obligation before the garnishment was enforced. 

As a single mother, I would have made every effort to establish a payment arrangement or otherwise address the matter had I been given proper notice. Implementing a garnishment without any form of prior communication or due process is both procedurally improper and contrary to principles of fair debt collection. 

I respectfully request clarification regarding this garnishment, including documentation of service, proof of judgment, and verification of the debt in question. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 US

C 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-12 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 US

C 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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 am disputing the charge-off status of the following account : XXXX XXXX, Account Number XXXX, opened on XX/XX/year> with a balance of {$27000.00}. The account status appears to be incorrect based on my records, and I request a thorough investigation to ensure that it is reported accurately or removed if it is not substantiated. 

Late Payment : I am disputing the late payment recorded for XXXX, Account Number XXXX. I believe the reported payment history is not accurate and request that the information be re-verified, and corrected if necessary.

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 2025-11-12 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: OR

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased XXXX XXXX XXXX XXXX XXXX tickets from XXXX on XX/XX/XXXX by using my American Express card ending in XXXX. After i purchased ; i realizing this at the time of purchases, XXXX had not released any official tickets for the event, which means XXXX was selling speculative listings for tickets that did not yet exist. So I tried to dispute the charge with American Express, i called 4 times ; American express didn't even allow me to open a case for it, they said its my own risks buying them ; finally i called the XXXX XXXX the supervisor opened the cases for me and told me its unlikely i can get these dispute. my original statement was citing misrepresentation. But Amex denied my dispute and when i look at the statement it was under " merchandise not received '', they claiming XXXX delivery policy allows tickets to be provided closer to the event date and even if they don't have the tickets its my own risks buying them. However, my issue is not delayed delivery it is that the product sold did not exist at the time of sale, and the merchant misrepresented its availability. American express should have cites my statement as " misrepresentation of goods or services, rather than merchandise not received ''. I believe the sale was inherently deceptive and that a refund or charge reversal is warranted XXXX sale of speculative tickets was deceptive, because they implied availability that did not exist ; and XXXX refusal to act on a clearly deceptive transaction could constitute an unfair or abusive handling of a consumer dispute.

This violates the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ), which protect consumers from being charged for misrepresented or undelivered goods. I also believe this may constitute a deceptive o
r unfair practice under the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5531 & 5536 ). 

I am requesting assistance because : XXXX charged me for tickets they do not yet have and may never have.

Amex refuses to refund or investigate the misrepresentation. 
This sale constitutes speculative ticketing and unfair trade practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
my information was released into the data breach and I checked my consumer profile and I had multiple accounts that are unauthorized, inaccurate and unverifiable information I did not authorize these accounts I am a victim of identity.

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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Goldman Sachs has repeated charged me on my XXXX credit card for a XXXX purchase that I did not make, despite definitive evidence to the contrary. 
When I requested the evidence that Goldman Sachs was relying on in its insistence in charging me, I saw that from the evidence they provided that the billing name, delivery name, delivery address and all other information proved that I did not purchase the items. In conversation with a Goldman Sachs representative, they accepted that I did not make the purchase, resolved the claim and credited the money to my account. 

Then on XX/XX/year>, they again applied the charge. 

Despite a different name, address, email address, they are refusing to give me the refund. 

Goldman Sachs states that this is insufficient evidence that I did not make the purchase. 

Essentially, I am being accused of fraud, with the Goldman Sachs representative accusing me of collaborating with a third party to defraud them. 
The advice that I received was to XXXX ) confront the buyer of the item whose information I have and confirm with them that they made the purchase ( potentially risking assault ) or XXXX ) file a police report on the matter. 

Goldman Sachs ' approach is unreasonable, unwarranted, unduly burdensome and, in my view, designed to deny consumers an equitable outcome in the face of a disputed charge, even when all evidence demonstrates that one did not make the purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 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: VA

Complaint narrative:
Dear XXXX, I am writing to dispute the following accounts on my credit report, as they contain errors and inaccuracies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the disputed accounts for each bureau. 

Charged Off : Chapter XXXX Bankruptcy Account Number : XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} Child Support Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I asked both bureaus to provide what XXXX XXXX sent them to prove a valid charge-off : complete account/payment ledger ; billing statements leading into charge-off ; default/acceleration notices ; charge-off calculation ; and any UCC/deficiency docs. After more than six months, Ive received no documentsjust restated reports and automated messages ( including TUs third party note ). That is not a reasonable investigation under FCRA 611 or 623 ( b ). First Tech auto account is reported only to Equifax and TransUnion as a charge-off with inconsistent supporting fields, removed from XXXX ( Discrepancies : Past Due balances differ by bureau ; dates/activity dont line up ), which violates Metro 2 internal-consistency requirements for Payment Status, Past Due, High Credit/Credit Limit, Date Last Active , Date of Last Payment, and Last Reported. These conflicts affect how severity/recency are scored and demonstrate a lack of maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IN

Complaint narrative:
I was told to re-apply for an Idr/Icr payment due to the Save program fiasco Trump caused XXXX I can not get any info from Mohela on the status of the application. It's been well over the 90 Day processing time. I need to and want to resume payments as I only have 10 payments to go for PSLF. 
It's ridiculous trying to get any information from Mohela.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continues to report an inaccurate collection account from XXXX XXXX XXXX for XXXX XXXX, despite proof from the original creditor showing a {$0.00} balance as of XX/XX/year>. This violates FCRA 605 ( b ) and 611. I am requesting immediate deletion and written confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent written disputes and document requests more than 40 days ago. To date, the only verification I have received is a restatement of what already appears on my credit report, which is not competent verification.I am disputing late payment markers reported by XXXX XXXX on my revolving credit card ending XXXX. The XXXX XXXX tradeline shows inconsistent and materially conflicting data across the three CRAs for the same period, which indicates a failure to ensure maximum possible accuracy and proper Metro 2 reporting : Dates & Balances conflict : Date of Last Activity ( DOLA ) differs dramatically across bureaus ( e.g., XX/XX/XXXXXXXX  vs XX/XX/XXXXXXXX  vs XX/XX/XXXXXXXX  ), which can not all be accurate for the same account and cycle. 
Reported Balance differs ( {$10000.00} vs {$11000.00} ) and Credit Limit is missing/ {$0.00} on one bureau while present on others ( {$11000.00} ), which violates completeness/consistency standards. 

The two-year payment grid shows 30-day delinquency in at least one bureau while others show OK for the same months, and one bureau uses UN/unknown placeholders rather than accurate monthly compliance codes. This is inconsistent with the Metro 2 XXXX requirement th

at Payment Rating/Current Status and month-by-month history be internally consistent and synchronized across CRAs. Law since you all are not aware of violations : FCRA 607 ( b ), 15 U.S.C. 1681e ( b
) duty to follow reasonable procedures to assure maximum possible accuracy. 
FCRA 623 ( a ) duty of furnishers to report accurate information and correct/complete information when notified.

FCRA 623 ( b ) duty to conduct a reasonable investigation after receiving dispute notice from a CRA.

Metro 2 XXXX requires accurate, complete, internally consistent fields-Payment Rating, Current Status, Date of First Delinquency, Credit Limit/High Credit , monthly repayment grid For a late-payment allegation you have to show competent documentary evidence is required-let me tell you examples : complete internal payment ledger, accounting system screenshots showing posted dates/amounts, billing statements, notice of delinquency, and bank remittance logs showing when my payments actually settled. A duplicate of my credit report or a generic XXXX response is not verification.

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