vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: OH

Complaint narrative:
I am writing to dispute certain information in my credit file as provided to me by your agency. This dispute is being made pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. 
The following accounts are being reported inaccurately and can not be verified by me : XXXX XXXX Account Number : XXXX Amount : {$0.00} XXXX Account Number XXXX XXXX Amount : {$0.00} XXXX XXXX  Account Number : XXXX Amount : {$0.00} XXXX Account Number : XXXX Amount : {$0.00} XXXX  Account Number : XXXX Amount : {$0.00} These accounts are being reported with balances of {$0.00}, yet they remain on my credit file. This is misleading, inaccurate, and does not provide a fair and accurate representation of my credit history. Under the FCRA, you are required to report only information that is complete and correct, and to delete or correct any unverifiable, outdated, or inaccurate entries. 

Please conduct a full investigation into these accounts. If the furnishers of this information can not provide proper documentation verifying that these accounts are accurate and belong to me, I request that these accounts be deleted immediately from my credit report.As required by the FCRA, please respond to my dispute within 30 days of receipt of this letter, and provide me with the updated results of your investigation in writing.I have enclosed a copy of my government-issued ID and proof of address to assist with verification of my identity.

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 2025-08-11 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: AA

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 2025-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I am writing to formally express my dissatisfaction with the handling of my student loan payments, specifically regarding late payment notifications and autopay setup restrictions. 

First, I am concerned about the lack of timely communication after a payment is missed. If I am late on a payment, I would expect to receive frequent and clear reminders starting the day after the missed due date. Instead, I only recently received an email stating that I have been late for multiple months. This delay in notification has prevented me from promptly addressing the issue and avoiding additional late fees or credit impact. 

Second, I am frustrated by the inability to re-establish autopay immediately after settling a late payment. When I attempt to set up autopay, the system appears to require an additional payment for the current month, effectively double-charging me. It also forces me to wait an entire month before autopay can resume. This process is unnecessarily restrictive and creates a higher risk of missed payments in the future. 

I request the following : A clear explanation of your late payment notification process, including why multiple, timely reminders are not sent. 

A review of your autopay policy to allow immediate reinstatement after a late payment is resolved, without duplicate charges. 

Confirmation that my account will not incur any further late fees or penalties due to the limitations of your system. 

I would appreciate a written response addressing these concerns and outlining any steps you plan to take to improve this process for myself and other borrowers.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. Federal law under the FCRA states that you must have my written consent to disclose my personal information, making you liable for any remedy under the 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, it has come to my attention that your office violated my privacy again. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rapid Home Lending Inc.
State: IL

Complaint narrative:
I was looking to refinance with Rapid Mortgage Funding XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX MI XXXX Beginning of XXXX. I was told to stop making payments last of XX/XX/year> XXXX to Rapid taking over the loan with the previous mortgage company. Making XXXX calls a week to find out how the process is going, i was constently told we are waiting for the APR rates to come down but not to continue to make payments to the former company, we are taking care of it all in the month of XXXX. 
The former company contacted me XX/XX/XXXX to inform me that a payoff has not been submitted or received, and my loan still stands. Meaning the current contract with cross country is still valid in which Rapid mortgage just mislead me and put me behind with the cross country. Now i have been informed by Rapid that they cant refinance my load because i haven't had my home for at least a year. If this was known than why have me pay for an appraisal on the home and continue with the matters of refinancing. 
I am truly distraught by the situation these people have just put me through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AL

Complaint narrative:
I have previously disputed Experian and Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
b"My XXXX AMEX Prepaid reward cards have balances but they do not work. I've asked AMEX Prepaid rewards support on why my cards do not work anywhere online or instore. They said that the cards only work at locations where they don't ask for name or address. That pretty much makes my card unusable practically anywhere because most vendors need name and address to match. It looks like AMEX designed their cards intentionally making them unusable. They use security as an excuse to prevent their cards from practically usable. I have searched online and I'm apparently not the only one. There are hundreds of posts online with other people like me facing the same issue. There is no reason for AMEX to practically make them unusable. \nHere are my card numbersXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis is my second request. My previous request was closed as amex needed me to send them the card numbers. I left a voice message at XXXX extension XXXX  over 4 times last week but my call was never returned."

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have previously disputed XXXX  and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: WI

Complaint narrative:
Upon reviewing my credit report i noticed there were several accounts listed that do not belong to me. I have never given these creditors my information or permission to my information. 

The XXXX XXXX XXXX formerly XXXX XXXX XXXX {$820.00}, date opened : XX/XX/XXXX XXXX XXXX XXXX, {$4200.00}, date opened : XX/XX/XXXX XXXX XXXX XXXX, {$870.00}, date opened : XX/XX/XXXX XXXX XXXX XXXX, {$720.00}, date opened : XX/XX/XXXX XXXX XXXX, {$2700.00}, date opened : XX/XX/XXXX XXXX XXXX XXXX, {$370.00}, date opened : XX/XX/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 2025-08-11 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: MS

Complaint narrative:
I need to share how frustrated and disappointed I am with the whole crown situation. It's been over six months since my crowns were delivered, and honestly, this has been a horrible experience. Ive already been to the providers office at least 12 times, and while the dentist and staff are great people, this whole process has become absolutely ridiculous.

When my crowns were finally delivered last week, one of them came out immediately, and the other two are loose. This is completely unacceptable. I tried reaching out on Friday, but my call wasnt returned. Its been so disruptiveI havent been able to eat properly because the crowns arent secure, and my daily life has been seriously interrupted.

Something went wrong with the placement of these implants, and its causing me a lot of pain and inconvenience. I expected professionalism and proper care, but what Im dealing with is beyond frustrating. I need this fixed as soon as possible because I can not keep living like this. Please understand how urgent this is for me

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 2025-08-11 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: MS

Complaint narrative:
I need to share how frustrated and disappointed I am with the whole crown situation. It's been over six months since my crowns were delivered, and honestly, this has been a horrible experience. Ive already been to the providers office at least 12 times, and while the dentist and staff are great people, this whole process has become absolutely ridiculous.

When my crowns were finally delivered last week, one of them came out immediately, and the other two are loose. This is completely unacceptable. I tried reaching out on Friday, but my call wasnt returned. Its been so disruptiveI havent been able to eat properly because the crowns arent secure, and my daily life has been seriously interrupted.

Something went wrong with the placement of these implants, and its causing me a lot of pain and inconvenience. I expected professionalism and proper care, but what Im dealing with is beyond frustrating. I need this fixed as soon as possible because I can not keep living like this. Please understand how urgent this is for me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
I have previously disputed XXXX  and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AL

Complaint narrative:
I recently received a copy of my credit report and I noticed some late payments posted on my credit report : XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15USC subsection 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

In Furtherance, the FAIR CREDIT REPORTING AcT 15 USC subsection 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : Exclusions Except as provided in paragraph ( 3 ), the term Consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experinces beween the consumer and the person making the report ; Correct the above late payments on my consumer report to paid as agreed and STATUS of account as Current every month paid as agreed, this agency is in violation of 15 USC subsection 1681.

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 2025-08-11 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
This morning, I found inaccurate accounts appearing on my credit report, and Im not sure why. I reviewed my report as usual, but this time there were unexpected discrepancies. I refreshed my browser to check if it was a technical error, but the incorrect accounts remained. Due to this problem, I request a thorough review of the documents I submitted so I wont have to worry about this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MD

Complaint narrative:
XXXX XXXX ), ( XXXX ), XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of all the accounts in report attached. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief