vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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:
I filed a complaint with complaint # XXXX in reference to identity theft and items reporting on my credit report the I was not aware of. After investigating Equifax complied and removed those items except for XXXX which they said was not reporting on my credit report. But upon reviewing my report through XXXX XXXX, I saw it was in fact on my credit report. Please go back to referenced complaint and go back to review this and documents submitted. Also attached a screenshot of the XXXX  XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I went into the lobby of my bank ( Truist ) yesterday to make a withdrawal. The teller gave my debit card and drivers license to someone in the drive thru. The teller just said sorry, they will probably return it. I tried to call their fraud line and was just told to just go get a new card. No one has followed up with me at all/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 non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX recieved a letter from midland credit management that I took a loan out in 2022 from XXXX  XXXX bank for the amount of XXXX dollars, which I never did, called the bank they said they have no record of me borrowing money .this is on my Credit report .called mcm today on XXXX, and all they told me is to file a police report so I did on XXXX .this is a fraud from midland credit management XXXX I never recieved a credit card bill from comenity and got sent this letter from mcm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C. 
XXXX ) 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  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX CARD - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} 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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
XXXX ( XXXX XXXX ) Address : Axos Financial , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX Consumer Complaint Summary Axos Bank I am filing a complaint against Axos Bank regarding XXXX unauthorized transaction disputes : Claim # XXXX ( filed XX/XX/year> ) Claim # XXXX ( filed XX/XX/year> ) As of XX/XX/year>, more than XXXX month has passed and no resolution has been provided. 



I have followed up with XXXX every XXXX weeks since filing these disputes, but I have received no provisional credit, no written acknowledgment of an extension, and no final determination. 



Under federal law : Regulation XXXX ( XXXX CFR XXXX ) requires banks to resolve unauthorized debit/ACH/ATM disputes within XXXX business days, or issue a provisional credit while extending the investigation. 

Regulation XXXX  ( XXXX CFR XXXX ) requires credit card issuers to acknowledge a billing error dispute within XXXX  days and resolve it within XXXX  days. 



XXXX Banks failure to provide provisional credit, timely acknowledgment, or a resolution appears to be a violation of these regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C. 
XXXX ) 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 : ACCOUNTS : XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$49.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$94.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$3400.00} 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: GA

Complaint narrative:
I paid the account balance in full for a pay for delete from XXXX, XXXX  and XXXX. TekCollect is refusing to remove the debt and is still reporting on my credit report to all three bureaus. I contacted TekCollect today and " XXXX '' stated they would not be removing the debt because it wasn't received through certified funds. I paid XXXX XXXX XXXX XXXX in full. I have validation from their office as well that they are requesting it to be deleted as well not just show as paid in full. I have further proof of receipts of this account being paid in full, as well as communication emails from the original creditor XXXX XXXX XXXX XXXX. The money has been withdrawal from my checking account and I can provide proof of that as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account XXXX : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-09-26 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: AL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: SC

Complaint narrative:
These accounts are unauthorized and are not mine. I would like all of these accounts to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
My Citizens Pay account is being reported inaccurately. The balance and charge-off status do not reflect my actual payment history, and the information being furnished is inconsistent with my records. Because the tradeline is inaccurate and unverifiable, I am requesting its deletion from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I received a {$170.00} XXXX  payment from [ payers first name/initial ] for XXXX XXXX The payment note referenced their XXXX  XXXX. After I provided the service, the payer disputed the transaction. I submitted documentation including our written messages, photos/video of the dog in my care, and the payment note. Despite this, XXXX  reversed the full {$170.00} without allowing me to present my evidence. 

yesterday XX/XX/XXXX, I spoke with XXXX  support ( Ref # XXXX, agent XXXX ) who confirmed the dispute should be resolved in my favor and that the {$170.00} would be returned by XX/XX/year>. However, the Dispute Team ( Ticket # XXXX, Dispute # XXXX ) later told me the funds would not be credited, citing restricted activity. No explanation was given for why my documentation was not considered or why the outcome conflicted with what customer service told me. 

As a result, I provided services at no cost while the payer retained both the benefit of my services and their money. I believe XXXX dispute process was unfair and request that the {$170.00} be restored and my evidence properly reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding unfair and deceptive practices by Shellpoint Mortgage Servicing related to my mortgage on the property at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. My spouse and I, XXXX XXXX ( formerly XXXX XXXX ) and XXXX XXXX ( formerly XXXX XXXX ), have faced wrongful foreclosure actions that violate federal and California laws. 

No Named Trustee in Deed of Trust : The original Deed of Trust, recorded on XX/XX/XXXX ( Instrument Number XXXX ), lacks a named trustee, as confirmed by a document from the original lender, XXXX XXXX XXXX. This defect violates California law ( XXXX XXXX XXXX et seq. ), rendering the foreclosure process invalid. Shellpoint initiated foreclosure despite this, recording a Substitution of Trustee, Notice of Default ( XX/XX/XXXX, Instrument Number XXXX ), and Notice of Trustee Sale without legal standing.

Invalid Assignment : The assignment of the Deed of Trust to XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) as Trustee for XXXX, XXXX, XXXX XXXX  XXXX-Through Trust XXXX was executed in XXXX, after the trust closed in XXXX. No assignments were recorded for prior transfers ( e.g., to XXXX XXXX XXXX ), further invalidating Shellpoints authority. 
Failure to Validate Debt : On XX/XX/XXXX, I sent a debt validation letter via certified mail, acknowledged by Shellpoint on XX/XX/XXXX, at XXXXXXXX XXXX  Despite offering to tender the full amount due ( even though discharged in bankruptcy ), Shellpoint has not responded, violating RESPA ( 12 CFR 1024.35 ).

Dual Tracking : Shellpoint " dual tracked '' my account by pursuing foreclosure while reviewing a complete modification application, breaching the California Homeowner Bill of Rights ( Civil Code 2923.6 ) and Regulation X ( 12 CFR 1024.41 ).

Imminent Foreclosure Sale : The sale date has not been postponed as of today, XX/XX/XXXX, posing an immediate threat of losing my home. Shellpoint and XXXX Foreclosure recorded false documents, including a Notice of Default stating a {$100000.00} default as of XX/XX/XXXX, without validating the debt.

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 2025-09-26 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 am submitting this complaint against the XXXX major credit bureausXXXX XXXX and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX XXXX, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated 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