vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-28 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 recent XXXX report shows that no active Equifax file was found. This appears to be an error, as several accounts are reported by XXXX XXXX XXXX. 
Please reinvestigate and ensure my file accurately reflects only verified accounts. The following items should not appear or must be deleted if present in your records : XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX  ) XXXX. XXXX ( Account # XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
This error provides a false picture of my financial conduct. Please look into it and make the necessary correction.

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 2025-10-28 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:
As my payment history is reliable, this late mark is a mistake. Kindly remove it and update my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Stratus Financial LLC
State: NY

Complaint narrative:
This company is a hard money lender loan provider hiding behind the curtain of a student loan service company. My son is enrolled in flight school and the school provided us with the Finance company Stratus Financial LLC. The company took months to approved the loan which should have been a red flag under Reg D it should not have taken months to render a decision. They did not disclose that interest would accumulate on the entire loan amount from day 1 at 15 %. They control the disbursement of funds so how can they charge interest on money I do not have access to and they disperse. That interest also compounds so Im paying interest on interest if that isnt usury that what is. They do not mail loan statements or provide online access so you have no idea what is happening. They dont return phone calls or emails. I sent an email on XX/XX/XXXX requesting information and still have not received a reply in 6 days. This company needs to be investigated and closed for unfair business practices and lender fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Hometap Equity Partners, LLC
State: CA

Complaint narrative:
My husband and I signed an Option Purchase Agreement with Hometap Equity Partners , LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  email : XXXX ) on XX/XX/year> and the agent knew my husband was XXXX, so I feel he took advantage of a XXXX XXXX and talked him into this agreement. My husband was not in his right mind and I was trying to work and take care of him at the same time. My husband was just trying to make sure that I could continue living in the home as long as possible. He did pass away as of XX/XX/year>. About a year later I came to find out exactly what was the situation. 

Our Option ID # XXXX. The company invested their money of {$120000.00}, and after fees it came to a total of {$110000.00} and it was in exchange for 28.73 % - 38.31 % of our homes value when we/I sell ( based on whether the home appreciates or depreciates ). I have 10 years to stay here before the option ends. 

I have not reached out to the company because I don't think they would care. I signed my name on the dotted line without even reading the documents because I trusted my husband knew what he was doing.

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 2025-10-28 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: CA

Complaint narrative:
I have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt resolution.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
sent another letter today, This letter constitutes my FIFTH formal written request, within a twelve-month period, for competent and verifiable evidence of the aforementioned debt item that are reporting on my credit file. the previous failures to adequately respond to my disputes and provide this validation are a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires you to conduct a reasonable investigation of any dispute. 
I have demanded that they provide me, immediately, with all documents and records they relied upon to verify the accuracy of this debt. As per the FCRA and applicable case law, they are required to conduct a reasonable re-investigation, and if an item can not be verified, it must be permanently deleted. they have stated that this will be another investigation in 90days! they have NEVER sent the verification information that was requested! NEVER! they are not even coming close verifying the information. As mentioned, THIS IS MY 5TH LETTER TO ALL 3 AGENCIES REQUESTING THE INFORMATION THEY USED TO VALIDATE THE DEBT! THEY NEED TO REMOVE THESE ASAP! 
I have previously disputed this item on the following dates:XXXX XXXX XXXX XXXX Each request was either ignored, inadequately responded to, or resulted in a generic form letter without the specific documentation requested. 
If you are unable or unwilling to provide this documentary evidence within five ( 5 ) calendar days of receiving this letter, you are required by law to PERMANENTLY DELETE this account from my credit report in its entirety. Your continued reporting of an unverified debt is willfully negligent and unlawful. 

This is their final opportunity to resolve this matter administratively. the failure to comply with this demand will leave me with no alternative but to pursue all available legal remedies.

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 2025-10-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Company : XXXX XXXX Product : Mobile internet / XXXX Home Internet billing & collections Issue : Inaccurate billing and repeated assignment of invalid debt Description : XXXX wrongly sent a {$210.00} charge to collections after refunding me that same amount. 

I canceled my XXXX XXXX Home Internet service in XXXX XXXX A XXXX representative told me I did not need to return the device. I was charged a {$210.00} unreturned equipment fee, which I paid. XXXX later acknowledged the error, accepted the returned device ( even though it was slightly late ), and refunded my {$210.00} payment. 

XXXX then sent the same refunded amount to collections with XXXX. I disputed the debt with XXXX, who reviewed my evidence, agreed the debt was invalid, and closed the account. Despite that finding, XXXX then re-assigned the same invalid debt to another agency, IC System, which is now attempting to collect a debt. 

XXXX own actions show the debt was not owed. Their repeated reassignment of an invalid and disputed debt to multiple collectors is inaccurate and harmful.

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 2025-10-28 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: NV

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

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 2025-10-28 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 discovered an account reporting on my credit report that I did not open or authorize. I requested verification and validation from the company, asking for a copy of the original signed application, contract, and any supporting documentation linking me to the account. The company failed to provide proof that I created or authorized this account but continues to report it as valid. This is inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that this account be investigated and permanently removed from all credit reports for being unverified and unauthorized.

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 2025-10-28 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-28 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Citizens Bank placed a XXXX hold on a {$9000.00} check deposited on XX/XX/XXXX. The written notice dated XX/XX/XXXX stated funds would be available XX/XX/XXXX. The bank extended the hold to XX/XX/XXXX and now to XX/XX/XXXX without issuing required new Regulation CC notices. There is no real date of when check will be received as they constantly extend the relaese if funds .This violates 12 CFR 229.13 ( g ). Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-28 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: NY

Complaint narrative:
b'I am writing to dispute inaccurate and incomplete information appearing in my TransUnion credit file. This notice is made pursuant to my rights under the Fair Credit Reporting Act (15 U.S.C.  1681 et seq.), particularly  1681e(b) and 1681i(a)(1)(A).\nPersonal Information Cleanup\nPlease delete all outdated or inconsistent personal identifiers from my file:\n Alternate names: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Only retain my current legal name and address listed above.\nAccounts in Dispute\n1. XXXX XXXX XXXX XXXX XXXX XXXX XXXXno Reported as Paid/Late 90 Days. This account was closed and paid in full in XXXX.\no Lates after closure are inaccurate.\no Please reinvestigate and delete or correct under  1681e(b) and  1681i(a)(1)(A).\n2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* and # XXXX XXXX\no Showing 30/60 day lates in XXXX  despite closure for inactivity.\no Possible re-aging and internal contradiction.\no Please verify and correct or delete.\n3. Dept. of Education (XXXX  XXXX XXXX XXXX XXXX XXXX XXXX.):\no Reports dispute resolved  consumer disagrees with differing 90-day-late dates across bureaus.\no Inconsistent data violates the maximum possible accuracy rule under  1681e(b).\nUnder  1681i(a)(7), please also send me a written description of your reinvestigation procedure, including:\n The business name, address, and phone number of any furnisher you contacted\n The method used to verify the 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 non-monetary relief
Consumer complaint received 2025-10-28 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:
I am requesting a reinvestigation under FCRA 1681i ( a ) ( 1 ) ( A ) and verification under 1681e ( b ) regarding the XXXX XXXX account on my Equifax file.

Account Information : Creditor XXXX XXXX XXXXt Account Number : XXXX XXXX XXXX XXXX XXXX  Reported Issue : Account shows Current status ; however, another bureau XXXX XXXX ) is reporting a 30-day late.

Dispute Basis : The inconsistency between bureaus calls into question the accuracy and completeness of the data being reported by the furnisher and maintained by Equifax.

Company response to consumer: Closed with non-monetary relief