vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
In reviewing my credit reports, I discovered that Equifax, Experian, and Transunion is reporting a late payment for my account with Creditor Name XXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX - XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX - XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX - XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX - XX/XX/XXXX The report shows a payment as late. I have never been 30 days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. 

I contacted Equifax, Experian, and Transunion to dispute this late-payment entry and requested verification. The bureau failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any evidencesuch as billing statements or account historiesshowing that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Equifax, Experian, and Transunion is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing.

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 2025-11-25 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: TX

Complaint narrative:
In reviewing my credit reports, I discovered that Equifax, Experian, and Transunion is reporting a late payment for my account with Creditor Name XXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX - XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX - XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX - XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX - XX/XX/XXXX The report shows a payment as late. I have never been 30 days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. 

I contacted Equifax, Experian, and Transunion to dispute this late-payment entry and requested verification. The bureau failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any evidencesuch as billing statements or account historiesshowing that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Equifax, Experian, and Transunion is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing.

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 2025-11-25 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:
In reviewing my credit reports, I discovered that Equifax, Experian, and Transunion is reporting a late payment for my account with Creditor Name XXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX - XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX - XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX - XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX - XX/XX/XXXX The report shows a payment as late. I have never been 30 days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. 

I contacted Equifax, Experian, and Transunion to dispute this late-payment entry and requested verification. The bureau failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any evidencesuch as billing statements or account historiesshowing that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Equifax, Experian, and Transunion is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts and inquiries listed on my TransUnion credit report. I believe that the information provided is either incomplete or inaccurate, and I am requesting a full investigation into these items. 

Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} Late Payments : XXXX XXXXXXXX, Account Number : 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 2025-11-25 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:
I am disputing the following items on my Experian credit report. The information appears to be inaccurate and/or unverifiable. I request that these items be fully investigated and removed if they can not be validated according to FCRA regulations. 

CHARGED-OFF ACCOUNTS ( EX ) 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 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 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
Fifth Third Bank, my car was repossessed, a credit union paid my vehicle off so I can get it back, with the truck now being paid off they were supposed to hold the truck and they told us they would hold the truck for us to go get it. the Credit Union paid approximately {$7000.00} it was clean and clear title no payments left, this transaction was made through transfer wire, first Third Bank confirmed they got their payment. We went to pick it up the vehicle, first third Bank kept the {$7000.00} and kept the pickup truck took the truck to an auto auction XXXX hours away, to resell it and kept the {$7000.00}. All of the phone calls have been recorded and we have copies of all of the legal documents and paperwork. At this point the vehicle was not there vehicle to take and resale they took the Credit Union 's money kept the Credit Union 's truck then put it up on The Auction Block to resell a vehicle that was not their property to make money off of the same vehicle again. First Third Bank is not part of the XXXX XXXX XXXX  but we are following a report with him anyway, and the attorney 's general office and their local website for Fifth Third Bank and all of the Outsource reviews on Fifth Third Bank. The credit union actually contacted them about a payoff amount they said they do not have a department they can tell us what the payoff was on the automobile, and they refuse to give us any of that information at first we went in and around in circles to get it since they was even unable to tell any information on the loan anything name of the credit union and the loan officer 's name can be given if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AXOS FINANCIAL, INC.
State: AZ

Complaint narrative:
I recently signed up for an account with AXOS bank to take advantage of their high-yield savings rate. 

I scheduled a transfer from AXOS to a checking account at XXXX XXXX XXXXXXXX on XXXX XXXX for a little over {$900.00} to pay a bill. I woke up to find my checking account at XXXX was overdrawn. I contacted AXOS to ask when the money would be transferred, and they said " Please wait until XXXXXXXX XXXX XXXX XXXX XXXX. The amount will be released. '' I then asked, " Okay, so really I have to schedule a transfer for the day before or in this case the Friday before, right? '' And they confirmed that was the case. 

That is duplicitous. I have never had this experience with another bank. 

It is now XXXX XXXX. The money has still not been transferred. The customer service agent said, " However, due to a technical glitch, it was not processed. I kindly request that you wait one business day and then reinitiate the transfer for this amount. '' That is unacceptable. 

To top it off, I scheduled a transfer for today, XXXX XXXX, in order to cover the overdraft that has resulted. I received notification that the money was withdrawn, but it has not appeared in my other account. When I asked about that transaction, I was told, " I would like to inform you that an outgoing transfer in the amount of {$500.00} has been scheduled for today. The funds are expected to be available after XXXXXXXX XXXX XXXX today. '' Again, I consider that duplicitous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

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 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : Transunion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian 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 2025-11-25 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: TX

Complaint narrative:
I am requesting a review and correction of multiple charged off accounts and inquiries listed on my TransUnion credit report. Please verify the information under FCRA guidelines and ensure all reported data is accurate. 

Charged Off Accounts XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$650.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX Account Number : XXXX XXXX Open : XX/XX/XXXX Balance : {$790.00} XXXX XXXX Account Number : XXXX XXXX Open : XX/XX/XXXX Balance : {$900.00} Inquiries : XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX XXXX Date Open : XX/XX/XXXX Late Payment : XXXXXXXX XXXX Account Number : 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 2025-11-25 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: FL

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 explanation
Consumer complaint received 2025-11-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a XXXX  '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: The J. G. Wentworth Company
State: IN

Complaint narrative:
i entered in to an agreement with JG WENTWORTH for debt consolidation at which time they said they could help XXXX  months into the program ive paid in {$2300.00} and they have paid XXXX of XXXX creditors {$300.00} thats it. I called and they said they collect all of there fees first they were also misleading on how negative of an impact this would have on my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint as a documented victim of identity theft. 
I have attached a sworn Identity Theft Affidavit pursuant to FCRA 609 ( e ).

Multiple fraudulent accounts were created in my name without authorization.

These accounts were later deleted by Experian, but I am requesting full identity theft processing under federal law.

I am requesting the following : 1. Removal of all fraudulent accounts, inquiries, and identity-theftrelated items.

2. Removal of any internal fraud markers, suppression codes, or non-public fraud flags still tied to my file.

3. Removal of all associated addresses, employers, phone numbers, and personal identifying information connected to past fraud.

4. Full documentation required under FCRA 609 ( e ), including : applications signatures IP logs authorization forms transaction histories internal fraud determinations These accounts were not mine, not authorized by me, and were created by unknown individuals.

I did not receive goods, services, or funds from any of these accounts.

Attached : CFPB-compliant Identity Theft Affidavit Experian dispute results showing accounts were deleted I request full investigation and compliance with FCRA 609 ( e ), FCRA 605B, and all CFPB identity theft requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint as a documented victim of identity theft. 
I have attached a sworn Identity Theft Affidavit pursuant to FCRA 609 ( e ).

Multiple fraudulent accounts were created in my name without authorization.

These accounts were later deleted by Experian, but I am requesting full identity theft processing under federal law.

I am requesting the following : 1. Removal of all fraudulent accounts, inquiries, and identity-theftrelated items.

2. Removal of any internal fraud markers, suppression codes, or non-public fraud flags still tied to my file.

3. Removal of all associated addresses, employers, phone numbers, and personal identifying information connected to past fraud.

4. Full documentation required under FCRA 609 ( e ), including : applications signatures IP logs authorization forms transaction histories internal fraud determinations These accounts were not mine, not authorized by me, and were created by unknown individuals.

I did not receive goods, services, or funds from any of these accounts.

Attached : CFPB-compliant Identity Theft Affidavit Experian dispute results showing accounts were deleted I request full investigation and compliance with FCRA 609 ( e ), FCRA 605B, and all CFPB identity theft requirements.

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