vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: MO

Complaint narrative:
XXXX is in violation of the 'opt-out laws '. By law, they are not allowed to submit non public information to any third party without my permission. They are require to provide a ' ... clear and conspicuous notice to the consumer that accurately explains the right to opt out ... ' of reporting personal information to third parties. I have never received any notice whatsoever for XXXX notifying my of my option to opt out ; or asking if I want to opt out. { 12 CFR 1016.7 } Discover is in violation of the Fair Credit Reporting Act.

15 U.S. Code 6802 says that a financial institution may not disclose to a third party any nonpublic personal information regarding the consumer ; unless they provide the consumer with a compliant notice and option to opt out.

12 CFR 1016.4 and 12 CFR 1016.7 are also relevant laws concerning this matter.

According to 15 U.S. Code 6805 the CFPB is required to enforce these codes, laws and statutes. 

XXXX has committed defamation against me. This has caused me emotional distress due to the importance of a credit report to a consumer in the modern American economy. 

The range of dates in question are from XXXX to XXXX of this year.

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 2025-12-15 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: MO

Complaint narrative:
XXXX is in violation of the 'opt-out laws '. By law, they are not allowed to submit non public information to any third party without my permission. They are require to provide a ' ... clear and conspicuous notice to the consumer that accurately explains the right to opt out ... ' of reporting personal information to third parties. I have never received any notice whatsoever for XXXX notifying my of my option to opt out ; or asking if I want to opt out. { 12 CFR 1016.7 } XXXX is in violation of the Fair Credit Reporting Act.

15 U.S. Code 6802 says that a financial institution may not disclose to a third party any nonpublic personal information regarding the consumer ; unless they provide the consumer with a compliant notice and option to opt out. 

12 CFR 1016.4 and 12 CFR 1016.7 are also relevant laws concerning this matter.

According to 15 U.S. Code 6805 the CFPB is required to enforce these codes, laws and statutes. 

XXXX has committed defamation against me. This has caused me emotional distress due to the importance of a credit report to a consumer in the modern American economy. 

The range of dates in question are from XXXX to XXXX of this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: MO

Complaint narrative:
XXXX is in violation of the 'opt-out laws '. By law, they are not allowed to submit non public information to any third party without my permission. They are require to provide a ' ... clear and conspicuous notice to the consumer that accurately explains the right to opt out ... ' of reporting personal information to third parties. I have never received any notice whatsoever for XXXX notifying my of my option to opt out ; or asking if I want to opt out. { 12 CFR 1016.7 } XXXX is in violation of the Fair Credit Reporting Act. 

15 U.S. Code 6802 says that a financial institution may not disclose to a third party any nonpublic personal information regarding the consumer ; unless they provide the consumer with a compliant notice and option to opt out.

12 CFR 1016.4 and 12 CFR 1016.7 are also relevant laws concerning this matter.

According to 15 U.S. Code 6805 the CFPB is required to enforce these codes, laws and statutes. 

XXXX has committed defamation against me. This has caused me emotional distress due to the importance of a credit report to a consumer in the modern American economy. 

The range of dates in question are from XXXX to XXXX of this year.

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 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: TX

Complaint narrative:
Account Number : XXXX MOHELA previously confirmed in writing that my account is in approved General Forbearance through XX/XX/XXXX. This confirmation was central to my original complaint, which sought correction of inaccurate reporting and proper servicing of my account during an approved payment-relief period. 

On XX/XX/XXXX, I submitted a written request via the MOHELA XXXXnline portal for continued payment relief effective XX/XX/XXXX, specifically requesting Economic Hardship Deferment, or alternatively continued forbearance with no lapse in coverage. This request was submitted prior to the end of my approved forbearance. 

To date, MOHELA has not issued a written approval, denial, or request for additional documentation regarding this pending request. 

Despite the absence of any determination, MOHELA issued a Notice of Repayment Schedule Change dated XX/XX/XXXX, placing my account into Standard Repayment with payments scheduled to begin XX/XX/XXXX. 

Issuing a repayment schedule while a timely deferment/forbearance requestsubmitted through MOHELAs own portalremains pending constitutes a servicing error, creates conflicting account records, and presents a risk of improper repayment transition and additional credit harm, particularly in light of the delayed correction of inaccurate reporting raised in my original complaint. 

I am requesting the following corrective actions : Immediate placement of my account into administrative hold pending resolution of my request ; A written determination on my pending request for Economic Hardship Deferment effective XX/XX/XXXX, or confirmation of continued forbearance ; Rescission or suspension of the repayment schedule issued while my request was pending ; and Written confirmation that no payment obligation will be billed, enforced, or reported while this request remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
We opened a business bank account with XXXXXXXX XXXX We requested to utilize Zelle through the bank. Zelle requested to have access to my contact lists to verify any other Zelle users. I granted access. I then transferred money using their system to a familiar contact to their email. I then sent another transfer on a different day and the name is correct but the number is off by one digit but Zelle uploaded that contact in my contact lists because in my phone its a different number. {$200.00} was sent for a rent balance to our landlord XXXX XXXX. We contacted the bank and Zelle for them to correct their error in the system because like I mentioned that number is not in my contact list for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
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 id-entity 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 m
y 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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:
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 id-entity 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 m
y 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 non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear EQUIFAX, My name is XXXX XXXX and I have a trouble with my Equifax report. The problem is under CONSUMER FILE NOTICES_ FRAUD VICTIM ( associated with trade ) indicator ( I am attaching screenshot from myequifax.com ), because of this indicators block creditors are not able to pull my Equifax credit file and it harms my ability to obtain any credit.

I am kindly requesting Equifax to remove this indicator block from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, I submitted dispute to the fraud charges ( {$440.00} and {$1300.00} ), as shown in the attachment, on my credit card that have been stolen. 
Citibank responded to me on XX/XX/XXXX and stated that the fraud credit will not be issued to my account.

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 monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I am a victim of identity theft, and I have filed an official FTC Identity Theft Report. The FTC report number related to this matter is XXXX. 
Despite providing this documentation, Experian continues to report information on my credit report that I did not authorize and did not consent to. This information was reported without a permissible purpose and has not been properly investigated or removed. 
The following negative accounts were opened fraudulently and do not belong to me : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX In addition, the following hard inquiries were made without my authorization and without a valid permissible purpose : XXXX XXXX XXXXXXXX Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX  XXXX Date of Inquiry : XXXX XXXX XXXX  XXXX Date of Inquiry : XXXX XXXX  XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX This inaccurate and unauthorized information has caused serious damage to my credit profile, affecting my ability to obtain credit and causing ongoing financial harm. 

I am requesting that the CFPB intervene so that Experian is required to properly investigate this matter and remove all unauthorized accounts and inquiries from my credit report in accordance with the 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a )

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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 id-entity 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 t
he 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 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XX/XX/XXXX, I used my Capital One credit card to purchase a multi-year prepaid home warranty from XXXX XXXX XXXX for {$2700.00}. 

In XX/XX/XXXX, XXXX XXXX XXXX filed for XXXX  XXXX bankruptcy and permanently ceased operations. As a result, XXXX terminated performance under my warranty contract and could no longer provide the prepaid services I purchased. This constituted a material breach and total failure of performance, through no fault of my own. 

I initially disputed the charge with Capital One as a chargeback for services not provided. Capital One denied the dispute, citing internal time limitations based solely on the original transaction date. 

After receiving the denial, I spoke by phone with a Capital One manager named XXXX and specifically requested that my dispute be reconsidered under Regulation Z ( 12 CFR 1026.13 ) as a billing error based on services not rendered due to merchant bankruptcy and contract termination. Despite this explicit request and explanation, I was told that nothing could be done due to Capital Ones internal time limits, without regard to federal law governing billing errors and failure of service.

Capital One has therefore refused to properly investigate my dispute under Regulation Z, relying exclusively on internal policies rather than the requirements of the Truth in Lending Act. 

On XX/XX/XXXX, my home heating system failed. I attempted to contact XXXX XXXX XXXX to initiate a covered claim but was unable to reach them due to their bankruptcy and shutdown. As a result, I was forced to pay {$190.00} out of pocket to Roots Heating & Cooling to restore heat to my homean expense directly caused by XXXX  failure to perform under the warranty contract. 

Key facts Purchase date : XX/XX/XXXX Amount charged : {$2700.00} Merchant bankruptcy and cessation of service : XX/XX/XXXX Nature of dispute : Total failure of service due to merchant bankruptcy Out-of-pocket repair caused by failure to perform : {$190.00} What Ive done to try to resolve the issue I disputed the charge with Capital One as a chargeback for services not provided. 
After the dispute was denied twice, I spoke with a Capital One manager ( XXXX ) and explicitly requested reconsideration under Regulation Z. 
I explained that the dispute is based on the merchants subsequent bankruptcy and failure to perform, not dissatisfaction with the original purchase. 
I provided documentation supporting XXXX XXXX XXXX bankruptcy and my five-year home warranty contract. 
Despite these efforts, Capital One has refused to apply Regulation Z and continues to deny relief based solely on internal time limits. 

Because Capital One has refused to comply with federal consumer protection law even after being placed on notice, I am requesting CFPB assistance.

Company response to consumer: Closed with explanation