vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Nexus Nova LLC
State: CT

Complaint narrative:
On XX/XX/year>, there was an insurance disbursement payment from my Escrow account in the amount of {$1300.00} XXXX XXXX XXXXXXXX made to the wrong insurance company called XXXX XXXX insurance in which they cashed the check on XX/XX/year>, even though I had no account with the company. On XX/XX/year>, another insurance payment was dispersed from my XXXX account in the amount of {$1300.00} which was sent to the correct insurance company XXXX XXXX XXXX. On XX/XX/XXXX I contacted the insurance department at XXXX mortgage powered by XXXX at XXXX and spoke with a woman who contacted the incorrect insurance company to request a return check, there was a lot of back and forth and even email exchanges between XXXX XXXX and XXXX. I followed up by Phone to request an update on XX/XX/XXXX and have been calling every week since, every time I call I get a different representative some even promising to call me back with an update and never call. My last update from anyone professional from this company was on XX/XX/year>, I spoke to a woman who informed me that XXXX XXXX mailed a check to XXXX with no account information on it, so they had to return the check and request a new check to be issued, I advised her that I will call back to follow up in about XXXX weeks. I called on XXXX XXXX to follow up on the issuing of the new check ; the lady was very rude and refused to look through the notes on file, every time I request to speak to a supervisor I can never get transferred directly, I have to wait for a call back that never comes. I called today XX/XX/year>, for another follow up and although I explained the guy XXXX who I spoke with how long this issue have been going on and gave him a background of what's going on, he then went on to tell me what his job was and basically, I had the wrong department. I went on to ask him several times to look through the notes in which he never did. As a consumer I went through all of this agony to avoid my Escrow account from being short, although this was not my fault and yet nothing is resolved, I have since received my new Escrow analysis and just like I knew its short due to the fault of Rosegate. I have been going back and forth for far too long on an issue that I didn't cause and it's really starting to cause tremendous amount of stress on my as well as the financial burdens the world is already facing. It is not ok to play with people money especially when you're supposed to be a trusted Mortgage company. Throughout all of this my mortgage has never been late or behind.

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 2025-10-06 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: OH

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: SC

Complaint narrative:
RE : FORMAL FCRA DISPUTE All late months disputed ; independent verification required I dispute this tradeline as inaccurate/misleading under FCRA 607 ( b ) and demand a reasonable reinvestigation pursuant to 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ) consistent with Cushman v. TransUnion, 115 F.3d 220. Your version conflicts with other CRA versions ( Open/Placed ), and the record lacks a consistent DOFD. Codes are not proof.

Demand : Provide running statements/ledger proving, for each late month : contractual due date, date received, date posted ; correct Metro 2 ( AS, SC/collection indicator , DOFD, Past Due, DAI ) to the documentary truth ; if you can not independently verify, delete the lates or delete the entire tradeline.

Failure will trigger CFPB/FTC/AG complaints and suit under 15 U.S.C. 616617.

Enclosures : ID ; address proof ; TU pages ; audit excerpt. 
Experian ( address : XXXX XXXX XXXXXXXX, XXXX, TX XXXX ) XXXX ) XXXX XXXX XXXX XXXX Acct [ XXXX ] Quote ( EX ) : Open Placed for collection Balance {$970.00} Date Last Active : XXXX XXXX. 
( Body/demands identical to XXXX  # XXXX ; use this quote. ) XXXX ) XXXX XXXX XXXX XXXX Acct [ XXXX ] Quote ( EX ) : Open Placed for collection Balance {$910.00}. 
( As abovefix XXXX or delete. ) XXXX ) XXXX XXXX Acct [ XXXX ] Quote ( EX ) : Collection account Open Balance {$730.00}. 
( Missing XXXX XXXX  XXXX or delete. ) XXXX ) XXXX XXXX XXXX XXXX Acct [ XXXX ] Quote ( EX ) : Open Placed for collection Balance {$720.00}. 
( Open vs Closed conflict ; XXXX XXXX XXXX or delete. )

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 2025-10-06 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-06 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: MO

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX - XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ Email Address ] [ Phone Number ] Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Charge-Off Reporting Kikoff Lending , LLC Account Name : Kikoff Lending , LLC Account Number : [ Include account number as listed on report, XXXX XXXX XXXX XXXX  Equifax Confirmation Number : XXXX Dear Equifax Dispute Department, I am writing to dispute inaccurate and duplicate information appearing on my Equifax credit file regarding my Kikoff Lending , LLC account. The account is incorrectly listed as a charge-off and appears to have been reported more than once. This information is inaccurate and has negatively impacted my credit score.

I have consistently made on-time payments to Kikoff Lending and have never defaulted on this account. Therefore, the charge-off status and duplicate reporting are both incorrect and misleading. 

I am requesting that Equifax conduct a full investigation under the Fair Credit Reporting Act ( FCRA ) to verify this accounts accuracy. Specifically, I request that : XXXX. The charge-off status be removed, as it is not accurate. 
XXXX. Any duplicate or erroneous entries related to this account be deleted. 
XXXX. The account be updated to reflect positive payment history. 

If Kikoff Lending , LLC can not verify the legitimacy of the charge-off or duplicate reporting, I request that XXXX  delete XXXX correct the information immediately as required by law. 

Please send written confirmation once the investigation is complete. I have enclosed copies of my identification, proof of address, and payment evidence to assist in your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Last XXXX Digits : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: VA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 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 2025-10-06 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-10-06 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: TX

Complaint narrative:
To the Office of the Texas Comptroller of Public Accounts : My name is XXXX XXXX, and I submit this formal complaint regarding the XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). The university is presently under investigation by the U.S. Department of Education ( DOE ) for retaliation against me as a student. 

In the Summer semester of XXXX, I was wrongfully enrolled in a graduate course to which I did not consent. I had no graduate electives available and informed XXXX XXXX XXXX of this fact, explicitly stating that I could not legally be enrolled in the course under financial aid rules. Despite this clear notification, XXXX XXXX unilaterally placed me into the course. When I immediately advised her that this enrollment was improper, she refused to drop the course in a timely manner. This act constituted retaliation designed to prevent me from completing my XXXX XXXX in XXXX. 

This action was not isolated. It followed a pattern of harassment beginning in the Summer of XXXX, when I authored a XXXX XXXX on the plight of Indigenous XXXX. The existence of this thesis contradicted certain prevailing faculty ideologies, leading to my vilification and mistreatment by faculty members. 

In XXXX of XXXX, I filed complaints with the DOE under the XXXX XXXX Acts, citing grade tampering and other forms of faculty harassment. However, my case was not investigated until XXXX of XXXX. After grade tampering and other attempts to obstruct my education failed, the defendants resorted to forced enrollment in an ineligible course, knowing I could not legally undertake it under financial aid rules. This maneuver created a fraudulent debt, which I refuse to pay because I neither consented to nor could lawfully assume it. 

The universitys misconduct demonstrates a clear pattern of retaliation intended to block my academic progress and bar me from further attendance. 

Respectfully submitted, 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 2025-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
I opened a trade market account and was locked out we no way to contact customer service by in forms to communicate.

Company response to consumer: Closed with explanation