vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least XXXX  days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: TN

Complaint narrative:
Request for Investigation Into Possible Improper Disclosure and Third-Party Contact Concerning My XXXX  Documentation I am submitting this complaint as a documented survivor of XXXX XXXX. In XX/XX/year>, I provided Equifax with my XXXX  documentation and submitted a request for confidential handling and blocking of XXXX-related negative items on my credit report. 

I recently learned that my complete consumer file may have been furnished by Equifax to a debt collection company, XXXX XXXX XXXX, without my authorization. I did not apply for new credit. I did not authorize my report to be pulled. I did not give permission for any creditor or debt collector to access my file. 

Shortly after this, an attorney representing XXXX XXXX XXXX contacted a nonprofit organization that supports me, XXXX XXXX XXXX, and left a voicemail. In this voicemail, the attorney stated that he received paperwork identifying me as a XXXX  victim and questioned the legitimacy of the documentation. He also contacted the nonprofit directly even though they had no involvement in the matter. The voicemail caused me significant concern and raised additional questions regarding how my personal information was handled.

I respectfully request that the Consumer Financial Protection Bureau investigate the following : Whether Equifax properly handled my XXXX  documentation and block request. 

Whether my complete consumer file and sensitive documentation were furnished to XXXX XXXX XXXX without a permissible purpose. 

Whether my personal information or trafficking documentation was shared with unauthorized third parties. 

Why a debt collector received information identifying me as a XXXX  survivor. 

Whether the debt collectors contact with a nonprofit agency regarding my documentation was appropriate or authorized. 

Whether any redisclosure of my personal information occurred. 

I also request : A complete access log identifying every entity or individual who accessed my file. 
Dates and reasons associated with each access. 
Confirmation that my XXXX  block request has been fully processed. 
Removal of any harmful or XXXX-related items appearing on my credit report. 
Correction of any inaccurate information resulting from this disclosure. 
An explanation of how these events occurred and what steps will be taken to prevent similar incidents for other survivors. 

I appreciate the XXXX attention to this matter. I am submitting this complaint to ensure that my rights as a trafficking survivor are fully protected and that my personal information is handled with the confidentiality required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting inaccurate and inconsistent information about my account to Transunion. The reported balance, the account status, the remarks, and the payment history are factually incorrect and do not match the real condition of the account. These errors have caused significant negative impact on my credit report. 
I contacted XXXX XXXX Directly and requested a complete correction. the company stated verbally that they would remove the inaccurate information and information continues to appear incorrectly on Transunion, and the inconsistencies remain unresolved.

I also disputed the inaccurate information with Transunion, and the attached PDF contains the Bureau 's findings, which confirm that the information reported by XXXX XXXX is inconsistent and incorrect. Despite my efforts, the company has not provided a written explanation, has not corrected the false reporting, and the inaccurate data continues to harm my credit profile.

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 2025-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) regarding my dispute of inaccurate information on multiple student loan accounts. I submitted a written dispute and request for reinvestigation via certified mail, and Nelnet received it on XX/XX/year>, per XXXX tracking. As of today, XX/XX/year>, Nelnet has not responded in any way. This is a clear violation of FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). 

On XX/XX/year>, Nelnet received my formal written dispute regarding inaccurate information on several student loan accounts. I requested a reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ), verification documents, and correction or deletion of any information that could not be substantiated. I included identification and address verification documents as required. 

As of XX/XX/year>, Nelnet has not : Responded to my dispute Conducted a reinvestigation Provided documentation supporting the reported information Notified the credit bureaus of any corrections Provided and communications of results This means Nelnet has failed to conduct a timely and reasonable reinvestigation, which is required by law. Furnishers of information are obligated under FCRA 623 ( a ) ( 1 ) ( A ) to report only accurate data and to correct or delete unverifiable information. Failure to respond within the XXXX window is a violation of the requirements. 

Because Nelnet did not verify of substantiate the information within the legal timeframe, the disputed data must be deleted from all credit reporting agencies under FCRA 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
I'm receiving multiple calls from this company. They have called my job. They called today and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: WI

Complaint narrative:
Requested a PSLF reconsideration request on XXXX ( case number XXXX ) and can not find any status updates. Requested status updates and have not received anything. It has been the quoted 45 business days from submission date.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-10 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: CA

Complaint narrative:
Experian, XXXX XXXX XXXX XXXX TX XXXX On XX/XX/XXXX I disputed the accuracy of the following information on my credit report : Collection account from XXXXXXXX XXXX, dated XX/XX/XXXX balance {$2200.00} In response, you experian notified me that the item was " verified '' as accurate on XX/XX/XXXX report # XXXX. However The furnisher XXXXXXXX XXXX  failed to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), after my timely validation request sent on 10/07/2025 via certified mail I sent a Method of Verification Demand under FCRA 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ) Account Number XXXX XX/XX/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 2025-12-10 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: GA

Complaint narrative:
I am disputing this account because it does not belong to me and has been reported inaccurately on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: NY

Complaint narrative:
I RECENTLY REVIEW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future. 

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX is continuing to report an account on my Experian credit report even though this same account has already been removed from XXXX  for being inaccurate. Since the information has been deleted by another credit bureau after investigation, Experian should not continue to report it. The account is not valid and is being furnished incorrectly. 

I have already disputed this information with Experian, and it remains on my report. This inconsistent reporting violates the Fair Credit Reporting Act, which requires that all consumer information be accurate, verified, and consistent across all bureaus. XXXX is failing to correct inaccurate data and is continuing to furnish information that has already been proven invalid. 

I am requesting that the CFPB require XXXX and Experian to : XXXX. Remove the account from my Experian credit report, XXXX. Correct any inaccurate information being furnished, and XXXX. Provide written confirmation once the correction is complete. 

I have attached proof showing that XXXX  deleted the account, which demonstrates that the information is inaccurate and should not be reporting on any bureau. 

Thank you for reviewing this complaint and assisting with resolving this issue. No

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 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
DEBT VALIDATION REQUEST LETTER ( FDCPA XXXX ) XXXX XXXX XXXX Pond Edge XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Ally Financial XXXX XXXX XXXX XXXX MI, XXXX Re : Formal Debt Validation Request / Cease Collection Until Validated Account Number : XXXX Amount Reported : {$0.00} Original Creditor : Ally Financial To Whom It May Concern : This letter serves as a formal request for full validation of the above-referenced alleged debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

You are reporting or attempting to collect an account under the information listed above. Under federal law, I am requesting that you provide complete and proper validation of this account, including : 1. Proof of the debt, including a copy of the original signed contract or agreement. 
2. A complete accounting, showing how the reported balance was calculated including why a balance of {$0.00} is being reported, and if collection activity is still occurring.

3. Proof that Ally Financial is the rightful owner or authorized servicer of the alleged account. 
4. Verification that your company is legally permitted to collect or furnish information in the state of Texas.

5. Date of first delinquency ( DOFD ) and any supporting statements.

6. Any documentation or records used to support reporting this account to credit bureaus. 
Until full validation is provided, you must : Cease all collection activities Cease reporting this account to any credit bureau Cease updating, modifying, or furnishing any information about this account If you can not provide full validation, you are required to immediately delete this account from all credit bureaus and cease any collection efforts, as required by law. 
This is not a refusal to pay. It is a request for proof and validation under federal law. 
Please send all documentation and responses to the address listed above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: NY

Complaint narrative:
I had disputed this bill several years ago per your record and it was resolved. Now they added this collection to my credit report illegally. After I made an appeal to your office twice and you resolved the issue. 
They billed customers exorbitant bills because of the pandemic. If any this bill should a few dollars. 
I do not owe this bill and they have negatively affected my credit. Plus, XXXX XXXX was sue fro illegally charging customers due to the pandemic. 

Thank you for resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TN

Complaint narrative:
I contacted IQ Data International on XX/XX/XXXX to discuss settlement options for a debt related to a XXXX eviction. I was treated extremely unprofessionally by the representative who took my call. 

The agent very quickly became rude and dismissive when I said I could not afford monthly payments. He told me I should take a title loan out on my car to pay the debt, which I believe is inappropriate, predatory, and outside the boundaries of professional debt collection conduct. He would barely let me speak, and when I told him I wouldn't be willing to make monthly payments or take a title loan on my car out he said it would damage my credit further. 
When I told him I was not willing to take out a loan, he responded by saying he would settle this one way or another, which I took as an intimidation tactic rather than a legitimate explanation of their process. 

I called in good faith, hoping to resolve the debt, and instead I was met with hostility and coercive language. This type of behavior discourages consumers from working cooperatively to settle accounts and feels like a violation of the FDCPAs protections against harassment, abusive practices, and unfair pressure. 
I am fully willing to work with IQ Data to settle this debt, but I expect to be treated respectfully and professionally. I am filing this complaint so the behavior is documented, and so that future communication with the agency can be conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: VA

Complaint narrative:
I recently received a copy of my credit report that you mailed to me with the investigation results, and I noticed that you are reporting a * * late payment for XX/XX/year> * * on my * * XXXX XXXX XXXX XXXX * * account ending in XXXX XXXX XXXX XXXX XXXX 

I HAVE NOT authorized the reporting of inaccurate or unverifiable derogatory information on my consumer file. I am writing this myself. No third party, no automated system, and no credit repair company is involved.

Your company is in clear violation of the law. Under * * 15 USC 1681e ( b ) * * MAXIMUM POSSIBLE ACCURACY you are required to ensure all information reported is accurate, complete, and verifiable. A late payment can not be reported without documented proof from the furnisher.

Under * * 15 USC 1681i * *, if information can not be verified with actual documentation, it MUST be deleted immediately.

Additionally, your reporting violates * * Metro 2 Compliance Standards * *, which your agency is required to follow : * * Metro 2 Field 17A ( Account Status ) : * * You reported the account as CURRENT.

* * Metro 2 Field 24 ( Payment Rating ) : * * You also reported a delinquency code for XX/XX/year>. 
These two fields * * CAN NOT legally coexist * * unless the delinquency is fully documented and verifiable.

No such documentation has been provided.

This is a direct violation of Metro 2 guidelines and FCRA 623 ( a ), which prohibit reporting of inaccurate or unverified derogatory data.

-- - Failure to respond satisfactorily with deletion of the above referenced inaccurate item and failure to send a free updated report showing the correction will result in legal action being taken against your company. I will also be seeking * * {$1000.00} per violation * * for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15 USC 1681 violations 4. Civil liability for willful noncompliance * * 616 / 15 USC 1681n * * I have already submitted this matter to the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * State Attorney Generals Office * *, * * XXXX XXXX XXXX * *, and the * * Federal Trade Commission * *. 

-- - * * Best regards, * *

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