vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: MO

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: NY

Complaint narrative:
XXXX. Date Opened : The account shows different opening dates across the XXXX bureaus, which is inconsistent. 
XXXX. High Credit / Credit Limit : XXXX  reports a much higher credit limit ( {$3500.00} ) than XXXX  and XXXX  ( {$420.00} ), creating inaccurate information. 
XXXX. Payment Status : The payment history differs : XXXX  shows XXXX  days late, XXXX  shows XXXX  days late, and XXXX  shows XXXX  days late. 
XXXX. Date Last Active : The last activity date is inconsistent across bureaus : XX/XX/year> ( XXXX  ), XX/XX/year> ( XXXX  ), XX/XX/year> ( XXXX  ). 
XXXX. Date of Last Payment : The date of last payment is reported differently, causing inaccurate reporting of late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: TX

Complaint narrative:
I wrote a letter to LexisNexis in response to a credit report that contained multiple errors. I sent XXXX letter in XXXX that was returned to me with the statement, " Not Deliverable As Addressed ''. I then double-checked the original address given to me by my insurance company, XXXX, and verified it on the LexisNexis website . It turned out that both addresses were identical, so I assumed I had made a mistake. I addressed another letter and sent it off, but it was returned shortly thereafter with the same " Not Deliverable '' message. 

I will attach images of the returned envelope, a screenshot of the unusable address found on the LexisNexus website, and an image of the unusable address on the XXXX letter informing me of how to dispute my credit score. 

In addition, I will attach a copy of my letter of dispute regarding the LexisNexis credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
There isn't a specific amount but I've been receiving offers from credit lender that I've never heard of hand any contact with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My FICO score in the Experian app had lowered by XXXX points after my most recent billing period. This was confusing as I had paid my balance fully and ended with less credit usage this period than the last. According to my credit report there were no new negative factors ( hard checks etc. ). There is a menu in the mobile app to see what changed since the last report and in that it only had possible positives about me having a lower balance and credit usage. On XXXXXX/XX/year> I attempted to dispute this through the app but it was not possible, so I called the number shown in the app. This number led to an answering machine that could not resolve the issue and refused to connect me to a real person. I went online and found another number to call and that number did route me to a representative. After explaining my issue to the person they then said they would route me to someone that could help and proceeded to route me right back to the answering machine. After struggling for a few more minutes I got it to finally route me to a 'specialist ' as it claimed. After waiting for XXXX minutes in queue I finally got through to someone. This person refused to explain or elaborate on why my score changed, saying I should speak to a 'licensed financial advisor ' instead. I asked to be routed to someone who would be able to explain something and then waited another XXXX minutes in queue. The person I spoke to next said they were in the fraud department and that they couldn't help me either. I asked if there was anyone else I could be routed to for this and they said no because Experian doesn't have any licensed financial advisors. I asked to speak to a manager and was told that I could not for this issue. I ended up with no resolution and only frustration and a wasted hour of my time.

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 2025-09-30 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: NY

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom it May Concern,\n\nThis letter serves as a formal dispute of the negative accounts currently reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act (15 U.S.C 41681 et seq.) I am requesting that you immediately investigate and verify the accuracy and validity of all negative information listed on my credit report.\n\nIf the accounts in question cant be fully verified, validated and documented with proper evidence as required by the FCRA, they must be deleted promptly. Continued reporting of unverifiable or inaccurate accounts is a direct violation of federal law.\n\nFurthermore, under UCC provision regarding fair dealings and consumer protections, any attempt to collect or report information that cant be substantiated may be considered unlawful.\n\nTherefore, I demand deletion of any negative accounts that fail to meet the legal standard of complete and verifiable accuracy.\n\nPlease provide me with written confirmation of the results of your investigation within 30 days, as required under the FCRA.\n\nSincerely,\nXXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-30 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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.

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 2025-09-30 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Complaint Against : Nelnet Servicing , LLC Issue : Incorrect reporting of late payments on closed student loans Details of the Complaint : I am disputing late payment notations being reported by Nelnet on my closed student loan accounts. These lates are inaccurate and should not be present for the following reasons : XXXX. Servicer Mismanagement of Documentation I worked multiple times with Nelnet representatives to provide the documentation they requested. After providing the information, I was repeatedly told additional items were still needed, despite confirmation from management that everything required had already been submitted. 
XXXX. In-School Deferment Notification At the time the alleged late payments occurred, I was enrolled in school. I had notified Nelnet of my in-school status beforehand, which should have placed my loans in deferment and prevented any late payments from being reported. 
XXXX. Redispute of Inaccurate Reporting I have redisputed these inaccurate late payments, providing evidence of my enrollment status. Attachments included with this complaint show proof of my school enrollment during the periods in question. 

Requested Resolution : Remove all late payment notations tied to these loans for the periods I was in school. 
Correct my credit reports with all three credit reporting agencies to accurately reflect my in-school deferment status. 
Ensure proper handling of borrower-provided documentation in future servicing. 

Attachments Provided : Proof of school enrollment during the disputed time periods

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reviewed my credit report and found these unverified items. Please remove or block these items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of a student loan entry with Mohela Student Loan Service. Under the Fair Credit Reporting Act ( FCRA ), I request an investigation into this account and a validation of the debt. 

Please obtain and provide the following documentation from the data furnisher to substantiate the legitimacy of this loan : - A copy of the original Master Promissory Note ( MPN ) bearing my signature - A complete payment history and account ledger - Documentation of any loan transfers or servicing changes - Chain of Custody and Evidence that this debt was legally incurred and is enforceable If the reporting entity can not produce these documents, I request that this account be removed from my ALL Credit Bureau Reports, immediately.

Thank you for your attention to this matter. I look forward to your response within the XXXX window required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IN

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
XXXXTotal Visa card advertised on XXXX XXXX seems to be totally fraudulent.  I have spoken with them 5 different times and they promise each time they assure me card is being sent.  I payed the $95.00 processing fee.  Imagine that for a XXXX  peopleXXXX XXXX XXXX  dollars.  Then they send me a bill foXXXX XXXX for card ending in (4 digits) and say my account is delinquent when I have never received this stupid credit building card in the first place.  This government does not care about average Americans credit and wonder why we cant qualify to buy a home and afford the American dream.  Maybe I should start a fake card company and charge people XXXX  dollars to XXXX  of people then I could live the good life.  This company that keeps giving me the runaround is Total Visa, XXXX XXXX XXXX XXXX XXXX  SD XXXX  phone XXXX XXXX XXXX  Every time I call them they ask for full social then put me on hold 2 timesXXXXConcerned XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I sent {$900.00} to a recipient in XXXXXXXX XXXX On XX/XX/XXXX, I canceled the {$900.00} transaction through the XXXXXXXX XXXX and received an email stating that I would receive a refund of {$900.00} back to my debt card within five business days. On XX/XX/XXXX, I had not received any refund from XXXX  so I called their customer service number. After speaking with a rep, I was informed that they needed proof that I had not received the refund into my bank account. So I sent the XXXX  copies of my bank statement showing that I have not received a refund from them. As of today, I still have not received the {$900.00} refund from XXXX. And they have stated that they released the funds to my bank account and theres nothing else that they can do to assist me. Again, I have not received ANY money from XXXX. This has been very frustrating and they have done nothing to assist, even though they know they should refund the money and I received an email on XX/XX/XXXX from a XXXX  supervisor stating exactly that. Any assistance with this would be greatly appreciate it and others should know of XXXX terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$64.00}

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