vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am filing a complaint regarding several inaccuracies on my credit report with Equifax, Experian, and TransUnion, specifically related to my XXXX XXXXXXXX account ( Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and my XXXX account ( Account XXXX. XXXXXXXX XXXX XXXX ). The XXXX XXXX account is showing an incorrect balance of {$2700.00}, with late payments reported as XXXX days and XXXX days late, even though my payment history does not reflect any such delinquencies. The last payment date of XX/XX/year> is also incorrect, as this is a future date. The XXXX account is reported with an outstanding balance of {$20000.00} and indicates a repossession, which is inaccurate, as I have never missed a payment or been notified of any repossession. These errors are a clear violation of FCRA 623 ( a ) ( 1 ) ( A ), which mandates the reporting of accurate information, and they have led to my credit report being misrepresented. I have already attempted to resolve these issues with the creditors, but the incorrect information remains on my report, continuing to harm my creditworthiness. The XXXX XXXX account is also subject to FCRA 1666 regarding the correction of billing errors and should be updated to reflect my accurate payment history, while the XXXX account should be corrected in accordance with FCRA 605 regarding the reporting period and status.

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 2025-12-15 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: AR

Complaint narrative:
I am filing a complaint regarding several inaccuracies on my credit report with Equifax, Experian, and TransUnion, specifically related to my XXXX XXXXXXXX account ( Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and my XXXX account ( Account XXXX. XXXXXXXX XXXX XXXX ). The XXXX XXXX account is showing an incorrect balance of {$2700.00}, with late payments reported as XXXX days and XXXX days late, even though my payment history does not reflect any such delinquencies. The last payment date of XX/XX/year> is also incorrect, as this is a future date. The XXXX account is reported with an outstanding balance of {$20000.00} and indicates a repossession, which is inaccurate, as I have never missed a payment or been notified of any repossession. These errors are a clear violation of FCRA 623 ( a ) ( 1 ) ( A ), which mandates the reporting of accurate information, and they have led to my credit report being misrepresented. I have already attempted to resolve these issues with the creditors, but the incorrect information remains on my report, continuing to harm my creditworthiness. The XXXX XXXX account is also subject to FCRA 1666 regarding the correction of billing errors and should be updated to reflect my accurate payment history, while the XXXX account should be corrected in accordance with FCRA 605 regarding the reporting period and status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc.
State: CA

Complaint narrative:
My CarMax loan payments ended in XX/XX/year>, which is the same month that I filed a XXXX XXXX Bankruptcy. 

I received the pink slip ; however, CarMax continues to inaccurately report to XXXX that I was late on payments in XX/XX/year> and XX/XX/year>. 

An attached letter states that CarMax will update my XXXX file, but the inaccurate and hurtful data remains on my credit report. 

CarMax has not responded to the E-mail inquiry that I sent regarding the original CFPB complaint. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
I am submitting this 8th follow-up regarding my previous disputes and formal requests for the permanent removal of inaccurate, unverifiable, and unauthorized items appearing on my credit reports maintained by Experian, Equifax, and TransUnion. Despite my prior communications and multiple formal disputes, several accounts and inquiries continue to appear on my credit reports, which are false, misleading, and damaging to my financial reputation and creditworthiness. 
The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance, reported in Experian, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$0.00} balance in Equifax, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance, all of which are inaccurate and must be permanently removed. These listings violate FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires that all information reported to consumer reporting agencies be accurate and verifiable, as well as FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, which holds furnishers responsible for reporting accurate information and prohibits the reporting of false or unverifiable data. 
Additionally, XXXX XXXX XXXX reported with a {$0.00} balance in both Equifax and TransUnion, and XXXX XXXX XXXX XXXX XXXX reported with a {$0.00} balance in TransUnion, are also inaccurate, unverifiable, and must be permanently removed under the same FCRA provisions. These inaccurate listings continue to create a misleading impression of my credit history and unfairly impact my financial standing. 
Unauthorized inquiries also remain on my credit reports, including XXXX ( XX/XX/XXXX ), XXXX XXXX XXXXXX/XX/XXXX ), and XXXX XXXX XXXX XXXX  ) in Experian, which were made without my authorization and violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and 604 ( f ) 15 U.S.C. 1681b ( f ). These inquiries must also be permanently removed from my credit files immediately.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The listed accounts is incorrect and irrelevant to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
I am submitting a complaint regarding inaccurate information on my credit reports from Equifax, Experian, and TransUnion. A collection account listed by XXXX XXXX with the original creditor XXXX XXXX XXXX XXXX XXXX and a reported balance of {$1100.00} is inaccurate and does not match my records. I dispute this debt as it may be a reporting error or otherwise unverifiable, and it is harming my credit report. This inaccurate reporting may violate the Fair Credit Reporting Act ( FCRA ), and I request that the CFPB take action to ensure the matter is properly investigated and 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 non-monetary relief
Consumer complaint received 2025-12-15 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: MD

Complaint narrative:
I have requested several times for you to reinvestigate and delete disputed item ref : to confirmation XXXX XXXX XXXX ) that were to be reported as Settled. Closed and Discharged from the reporting of the following banking institutions XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX from my credit report and ask numerous times via telephone communication to correct or remove these items from my report. As of this date, you have failed to respond to my request The law stipulates that you must investigate within 30 days of receiving my communication and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. I have suffered damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was using a virtual credit card provided through Capital One in lieu of my physical card to make online purchases for XXXX. While attempting to retrieve the card information from the app I was prompted to select my phone number so I could be texted a code verifying my phone number. When I selected my number I given a notification that said they were unable to verify my number. When I repeated this process several times I was then given a notification that I had maxed out my code requests for XXXX hrs. 

When I contacted Capital One support it was immediately apparent that I would not be given an answer to why my phone number couldnt be verified, even though I had given the Capital One agent all my confirming information including my phone number. Even after calling XXXX times all the Capital One agents would say is the system is performing a security check on my phone number. They refused to elaborate or fix the issue. They could also not answer why the Capital One XXXX XXXX XXXX has tighter security access than my other account information such as my checking and savings account and routing numbers. In essence they seemed to be either masking an internal error with their system or had no true ability to fix problems or answer questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
On XX/XX/year> I called and spoke to someone named XXXX at Axos bank loan servicing. I inquired about sending a principal payment. I was told that I could write a personal check and to put my account number and principal only payment on the check. I mailed the check along with the bill payment stub to their address at city of industry California, which is listed on their bill. The check was for the amount of {$84000.00}. I also wrote on the bill stub that it was for principal only payment. I handed the postal carrier the payment envelope, not put in mailbox. 
I called Axos to check on the status on XX/XX/XXXX. They had not received the payment at that time and told me to check back on XX/XX/XXXX. I called on XX/XX/XXXX. They still had not received the payment. I was told that it was most likely forwarded to their XXXX XXXX address and to give it a few more days. I called back on XX/XX/XXXX spoke to someone named XXXX and she told me that there was no supervisor that I could speak to and told me that the check most likely was sent to XXXX XXXX, but there was no record whatsoever. they do not take electronic payments which would be more secure. I spoke with the credit union where the check was written from and Im going to be charged {$25.00} fee to cancel the check. 
I feel its very dishonest to not post the payment because theyre going to lose interest and now I am going to suffer more loss on interest, plus a check fee. 
To protect myself I will cancel the check on XX/XX/XXXX by XXXX XXXX  if the payment has not been posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NC

Complaint narrative:
So ive been having a unresolved problem with cashapp for the past XXXX weeks or so since XX/XX/year> ive contacted them through their support in the app, phone, email everything and explained everything to them and they are so rude and do not care to fix the problem and send me the same copy and paste messages everytime. leading to my account being closed and i cant make any new ones because they have banned my email and phone number. all because of me pushing the borrow money feature on cashapp which i didnt mean to do and that lead me verifying my identity which they said the information was wrong when i had everything in front of me and even had my parents help. it didnt even let me get to the id part .. from there it would never let me verify my identity or even try again. i havent been without cashapp for this long i dont know what to do and ive tried everything theyve told me over the phone and through email and no ones willing to help me im so frustrated. ive never had any suspicious activity ive been with cashapp since i had a family account with my dad. cashapp is completely unprofessional and their customer service and support is so rude and could not and did not help me only the same replies over and over and steps i already did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
I am submitting this complaint due to Equifax Information Services, LLCs continued publication of unverified, inaccurate, and disputed credit information despite multiple formal notices and lawful disputes submitted in good faith. Beginning on XX/XX/year>, I issued a detailed Equitable Dispute and Demand for Verification identifying multiple accounts reported by XXXX XXXX that lack lawful verification, completeness, and proof of ownership. Equifax was specifically instructed to conduct a reasonable reinvestigation and obtain substantive evidence from the furnishers, including a verified accounting ledger, proof of lawful consideration, and documentation establishing authority to report the alleged obligations. Despite receiving this notice, Equifax failed to provide any substantive verification and instead continued to publish the disputed accounts. On XX/XX/year>, I issued a second Notice of Continuing Dispute and Dishonor, formally placing Equifax on notice of its failure to comply with its duties under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ). This notice clearly outlined Equifaxs failure to conduct a lawful reinvestigation, its reliance on automated or boilerplate processes, and its continued dissemination of unverified information causing ongoing harm. After Equifax again failed to cure these violations, I issued a final Notice of Dishonor and Demand for Deletion on XX/XX/year>. At this stage, Equifax had exhausted its opportunity to verify the disputed information and was formally notified that any continued reporting constituted bad faith, negligent publication, and willful non-compliance. Equifax nevertheless chose to continue reporting the disputed XXXX accounts without evidence or lawful verification, despite clear notice that such conduct was causing ongoing injury and regulatory violations. Equifaxs actions demonstrate a pattern of ignoring substantive disputes, failing to obtain proof from furnishers, and continuing to publish information it can not verify as accurate or complete. This conduct violates federal law, undermines the integrity of consumer reporting, and causes continuing financial and reputational harm. I am requesting CFPB intervention due to Equifaxs refusal to correct the record voluntarily despite repeated lawful notice and opportunity to cure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: SC

Complaint narrative:
I am submitting this follow-up complaint after conducting a thorough review of my credit profile, which has revealed multiple serious discrepancies, errors, and instances of reporting that are inconsistent with my personal financial history. What began as a routine verification of my accounts has revealed information on my credit report that is not mine, including an inaccurate address and multiple unauthorized inquiries. These discrepancies misrepresent my financial behavior and suggest that my personal information may have been misused or incorrectly associated with accounts belonging to another individual. I am formally requesting a full, documented reinvestigation of each inaccuracy described below, invoking my rights under the Fair Credit Reporting Act ( FCRA 1666, 1666a, 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 623 ( b ) ) and the Fair Debt Collection Practices Act ( FDCPA 807809 ) regarding false, misleading, and unverified debt reporting. 
The first discrepancy is an inaccurate address listed in my file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX, which I have never lived at, received mail at, or conducted financial transactions associated with. The presence of this address raises concerns that accounts, inquiries, or obligations may have been erroneously or fraudulently attributed to me. This violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ), as furnishers are obligated to report accurate identifying information, including addresses and dates of first delinquency. The incorrect address may have caused or contributed to other inaccuracies on my credit file, including unauthorized inquiries and misreported accounts. 
In addition, I have discovered multiple unauthorized hard inquiries associated with this address, including : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX 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. I did not apply for any credit or authorize these inquiries. Reporting these inquiries without consent violates FDCPA 807, 808, and 809, and negatively impacts my credit score, misrepresents my financial behavior, and could imply obligations I have never assumed.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX -- -- Opened : XX/XX/XXXXXXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXXXXXX XXXX # XXXX -- -- Opened : XX/XX/XXXXXXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX Bankruptcy # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-12-15 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX -- -- Opened : XX/XX/XXXXXXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXXXXXX XXXX # XXXX -- -- Opened : XX/XX/XXXXXXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX Bankruptcy # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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