vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BK COURT -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( US BK COURT ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BK COURT -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( US BK COURT ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX  data breaches, wch exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-10-07 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I have a checking account, XXXX savings accounts, and a trust with Ally Bank. Recently I had to reset my password and they either locked or froze my account. I have called on XXXX occasions to try to regain access. I was told someone would call me back. During XXXX call I even answered background check questions. No one has ever called me back and my money is being held hostage.

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 2025-10-07 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: IL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-10-07 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. 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.

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 2025-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The auto loan for my XXXX XXXX XXXX ( XXXX ending in XXXX ) with Bank of America was officially charged off and closed on XX/XX/XXXX, and recorded internally as a Profit and Loss Write-Off with a {$0.00} minimum payment balance. 

Despite this, the lien remains active in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) database, and Bank of America has failed to electronically release it as required by XXXX XXXX XXXX XXXX XXXX ), which mandates lien release within 10 days after a loan is satisfied or terminated. 

I contacted a Bank of America representative, who confirmed the account was charged off but refused to provide a written confirmation or transfer me to a department that could assist. 

This failure to release the lien is preventing the correction of my vehicle title and violates state law governing lien satisfaction and consumer rights.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, my Toyota Financial Services account is being reported with XXXX late payments on my credit reports from XXXX XXXX XXXX XXXX XXXX, which I believe is factually incorrect. Also says the account was close XX/XX/year>, when it was close XX/XX/year>. However, XXXX is reporting this same account with no missed or late payments, which aligns with my records. I have never been XXXX or more days late on this account. The late payments listed on your report appear to be erroneous. Under the FCRA, credit reporting agencies and furnishers are required to : Conduct a reasonable investigation into any disputed information ( 1681i ), Correct or delete any information that is found to be inaccurate, incomplete, or unverifiable ( 1681c-2 ), Respond within 30 days of receiving a dispute ( 1681i ( a ) ( XXXX ) ( A ) ). Please conduct a thorough investigation of this account and verify the reporting with Toyota Financial Services. I am requesting that all inaccurate late payment entries be removed from my credit report and that the account reflect accurate, on-time payment history, consistent with what XXXX is reporting. Enclosed Documentation : Copy of my credit report showing the inaccurate reporting ( XXXX ) Copy of XXXX report showing no missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, my XXXX XXXX XXXX account is being reported with XXXX late payments on my credit reports from [ Experian / TransUnion ], which I believe is factually incorrect. Also says the account was close XX/XX/2021, when it was close XX/XX/2021. However, XXXX  is reporting this same account with no missed or late payments, which aligns with my records. I have never been 30 or more days late on this account. The late payments listed on your report appear to be erroneous. Under the FCRA, credit reporting agencies and furnishers are required to : Conduct a reasonable investigation into any disputed information ( 1681i ), Correct or delete any information that is found to be inaccurate, incomplete, or unverifiable ( 1681c-2 ), Respond within 30 days of receiving a dispute ( 1681i ( a ) ( XXXX ) ( A ) ). Please conduct a thorough investigation of this account and verify the reporting with XXXX XXXX XXXX. I am requesting that all inaccurate late payment entries be removed from my credit report and that the account reflect accurate, on-time payment history, consistent with what XXXX  is reporting. Enclosed Documentation : Copy of my credit report showing the inaccurate reporting ( Experian/TransUnion ) Copy of XXXX  report showing no missed payments

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On the XXXX of XXXX I had a call from a strange XXXX which I later realize was a call from a fake number from XXXX XXXX, the woman alerted me somebody was trying to scam me on XXXX XXXX its a platform on which I make transfers to my sister in XXXX there are only XXXX known recipients for me on this platform, a strange name XXXX XXXX XXXX appear on o my platform. I don't know who this is and the currency was unfamiliar XXXX a currency I do not know what this currency is and I have never done business with the said person, she asked me to click on a human Icon on the XXXX for sending money, and any time I click on it little did I know she was trying to steal and not to fix, since my debit card from chase was link to this account it was deducting money from my chase account until it went into overdraft, it went on until I realize it was a scam, I immediately went to t the bank, alert the bank and filled a complain the bank went for a couple of days, came back and told me the claim was denied., upon several pursuits they said I should take it up with XXXX, I have already spoken with send wave and they redirected me to the bank, the amount involved is {$1400.00} it seems like am hitting a dead end. I will be willing to pay any amount just to prove the point.THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AXOS FINANCIAL, INC.
State: NJ

Complaint narrative:
Our mortgage was sold from BOFI to AXOS in XXXX. Obviously, we had nothing to do with that. 
Apparently, the homeowners coverage information for XX/XX/XXXX through XXXX XXXX was not shared, requested, etc. between the XXXX Mortgage Companies We were contacted by some arm of AXOS ( email address - XXXX ) in XXXX requesting proof of insurance for that period or they were going to charge us as if we did not have insurance at the time. That proof of XXXX Homeowners insurance was emailed to that email address on XX/XX/XXXX. 
AXOS is now saying, again, that we did not have insurance for that period and they are attempting to increase our escrow payments by the amount that they supposedly paid XXXX for XX/XX/XXXX to XX/XX/XXXX. 
They have already increased the escrow for the XXXX payment from XXXX XXXX ( XXXX - XXXX ) to XXXX, and then again in XXXX from XXXX to XXXX. Assuming they don't try and increase the escrow again, this results in an attempted annual escrow increase of XXXX. 
Although the taxes did increase by XXXX annually, there has been no increase in our homeowners this year. 
I have since requested an aggregate escrow analysis for the last XXXX computational years but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: GA

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 four 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 : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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 2025-10-07 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:
I did not receive an alert for these inquiries, which may be questionable. Kindly assess the attached information.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
CFPB Complaint Narrative Date : XX/XX/XXXX Complaint Against : Experian, TransUnion, and XXXX XXXX  XXXX this complaint simultaneously against all three entities. ) Account XXXX : XXXX Account ( Acct. # XXXX ) I am filing this complaint regarding the continued and inaccurate reporting of the XXXX account ( Acct. # XXXX ) on my Experian and XXXX  credit files. 
Summary of Violations and Harm : Inaccurate and Inconsistent Reporting ( FCRA 607 ( b ) ) : XXXX  has already deleted this account from my file, demonstrating cross-bureau inconsistency and unreliability. The continued reporting by Experian and XXXX  violates their duty to ensure maximum possible accuracy. 
Legally Unenforceable Debt : The underlying debt is time-barred under D.C. Code 12-301 ( 8 ) ( the 3-year Statute of Limitations expired XX/XX/XXXX ). Reporting this debt as 'charged-off ' without disclosing its unenforceability is materially misleading to creditors and employers, violating FCRA 607 ( b ).

Actual Damages : This inaccurate reporting has directly caused severe harm to me, constituting clear actual damages under the FCRA : It resulted in the denial of mortgage financing. 
It has been used in employment background checks, adversely affecting my ability to secure employment ( see Exhibit E for evidence of harm ).

Furnisher Violation XXXX XXXX XXXX XXXX XXXX continues to violate FCRA 623 ( b ) by furnishing this inaccurate information to the CRAs after receiving direct disputes. 
Pattern of Willful Non-Compliance : I have attached Exhibit F, which is a settlement check from the federal class action XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. This document demonstrates XXXX  's prior liability and a pattern of willful noncompliance with the FCRA. 
Request for Relief : I request the CFPB : Demand the immediate deletion of the XXXX XXXX from Experian and XXXX. 
Require the removal of all outdated personal identifiers ( names, addresses, phone numbers, employers ) and unauthorized hard inquiries. 
XXXX a regulatory investigation into the systemic failures by Experian, XXXX, and 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