vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain accounts reported by Equifax. Below are the accounts that are incorrect or need further review : Charged Off Accounts XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Issue : This account is reported as charged off. I request verification of the charge-off status. 

XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$500.00} Issue : Please verify the reporting of this account. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : Please verify the charge-off and provide supporting documentation. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$610.00} Issue : The account is incorrectly reported as open. Please investigate the charge-off status. 

XXXX  Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$4100.00} Issue : Please verify and provide proof of charge-off status. 

Inquiries XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX Late Payments DEPTED/XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
INACCURATE LATE PAYMENTS. I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject 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. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-11-18 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-18 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting five ( 5 ) different versions of the same Dept. of EducationXXXX XXXX XXXX loan. Experian is publishing multiple duplicate accounts with different balances, different dates opened, different account numbers, and conflicting payment histories, including false 120-day and 150-day delinquencies.

These are identity-theft-related inaccuracies under FCRA 603 ( q ), mixed-file corruption, and materially misleading reporting under 602 and 607 ( b ).

FEDERAL LAW PROVES THE REPORTED DELINQUENCY IS LEGALLY IMPOSSIBLE ( EXHIBIT H ) Experian is reporting that this loan is 150 days past due and 120 days past due even though the servicer reports the account as Open Deferred, with no payments due until XX/XX/year>. 

Under binding federal regulations, a deferred federal student loan can not be reported as delinquent : 34 C.F.R. 685.211 ( a ) ( 6 ) : A borrower is not considered delinquent during periods of deferment or forbearance.

34 C.F.R. 682.208 ( c ) ( 1 ) ( ii ) : The lender must not treat the borrower as delinquent during a period of authorized deferment or forbearance.

Federal Student Aid Handbook ( U.S. Department of Education ) : A borrower can not be delinquent on a loan during an
authorized period of deferment or forbearance. No payment is due.

Federal Servicer Manual : Delinquency begins only when a required payment is missed. During deferment, no payment is required.

Metro 2 Credit Reporting Standards : Status Code must be 11 Deferred Payment Rating must be XXXX Current No delinquency codes may be reported on accounts in deferment Do not report delinquency on accounts in deferment.

This is Exhibit F in my attachments.

Therefore, Experians reporting of a 150-day or 120-day late status on a deferred loan is not just inaccurate it is factually and legally impossible under federal law, and violates : FCRA 602 Maximum possible accuracy FCRA 607 ( b ) Reasonable procedures FCRA 611 ( a ) ( 1 ) ( A ) Reasonable reinvestigation required FCRA 611 ( a ) ( 5 ) Failure to delete after dispute FCRA 623 ( a ) ( 1 ) ( A ) Furnisher may not report information known to be inaccurate FCRA 605B Failure to block identity-theft-related information within 4 business days FAILURE TO REINVESTIGATE & WILLFUL NONCOMPLIANCE After I disputed these inaccuracies, Experian issued a result stating : The company that reported the information has certified that the information is accurate. 

This is impossible. Federal law prohibits the delinquency they claim to have verified.

This constitutes willful noncompliance under FCRA 616.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS SUED ME ABOUT ONE CREDIT CARD I NEVER USED AND NEVER RECOGNIZE THE CLAIM IS FOR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request violates 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am filing a complaint against LexisNexis for failing to accurately report my bankruptcy information and for returning my mailed dispute, despite my address being correct and verified. 
LexisNexis returned my mailed dispute as undeliverable, even though the address I used is accurate. This prevented my dispute from being processed properly and obstructed my rights under the Fair Credit Reporting Act ( FCRA ). Because of this failure, the bankruptcy information in my LexisNexis consumer file remains inaccurate, incomplete, and not reflective of the official federal court records. 
I previously disputed the following bankruptcy record : Court : Florida XXXX XXXX XXXX XXXX Number : XXXX Issue : LexisNexis is reporting incorrect, conflicting, and unverifiable information. 


The information LexisNexis is reporting does not match the official PACER data. For example : LexisNexis lists the case as " OPEN / UNKNOWN, '' but PACER shows the debtor was discharged and the case is pending closing. 


LexisNexis reports no attorney representation, which contradicts PACER records showing representation. 


LexisNexis lists a debtor address that does not appear anywhere on PACER. 


The disposition, case status, and other details are factually wrong or incomplete, making the record misleading. 
They report that the Petitioner has no attorney, even though PACER clearly lists attorney XXXX XXXX XXXX as representing the debtor. 
They list a home address for the debtor that is not shown anywhere on PACER. 
They continue to report incomplete and contradictory case details, which misleads creditors and damages me as a consumer. 


LexisNexis had a legal duty under FCRA 1681e ( b ) ( accuracy ) and 1681i ( a ) ( proper reinvestigation ) to ensure the information they reported was correct and verified. Their failure to update or correct the bankruptcy record, combined with their returned-mail error, means they did not conduct a reasonable investigation and did not give my dispute proper consideration. 
Despite multiple disputes and clear documentation, LexisNexis has not corrected these inaccuracies. Instead, they are using the excuse of returned mail to avoid resolving the dispute Because the bankruptcy record they are reporting contains material errors, and LexisNexis has failed to correct those errors, I am requesting the CFPB to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I was involved with a government grant scam. I send x-amount, and I receive x-amount back. Tax free. They used a picture of a trustworthy friend. When I brought the scam to the cash app support team, they said they would investigate. They returned 1 of the 3 transactions I made to my scammers. They returned {$92.00}, but said the {$700.00}, and {$1200.00} after their investigation was not. I explained all 3 transactions went to the same person, I sent a few screenshots of the conversations I had with this '' government agent '' explaining I am not tech savvy, so she would circle on cash app what she wanted me to do and then send her a screenshot when I was done. She did this step by step, and all 3 transactions went to the same person, so I kept asking for the reason it was denied for the {$700.00} and {$1200.00}, but not the {$92.00}. The response was we finished our investigation and do not feel they were scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im writing to demand the immediate removal of several fraudulent inquiries that appear on my credit report. These inquiries were made without my knowledge, consent, or authorization they are the result of identity theft, and I should not be held responsible for any part of them. 

Let me be absolutely clear : I did not initiate these credit pulls, I did not apply for credit with the companies that made them, and I never gave anyone permission to access my credit file in these instances. These inquiries are unauthorized, and their presence on my report is a direct violation of my rights under 15 U.S. Code 1681c-2.

Under this law, I have the legal right to block and remove any item on my credit report that is the result of identity theft. Im invoking that right now.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal dispute regarding the following items on my credit report. The details of the accounts in dispute are outlined below, separated by each credit bureau. 

Charged Off Accounts Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX SelfInc/Lead Account Number : 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 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My name is XXXX XXXX and I live in XXXX, Pennsylvania. Today, via XXXX, I received a certified letter, that I had to sign for, " supposedly '' from Bank of America. The letter reports I have an ongoing safe deposit box with them, and, as of XX/XX/2025, I owe them {$200.00}. I DO NOT have a safe deposit box with any bank, let alone BOA. I did an AI XXXX search on this, and it recommended I file this report with you ; as it was likely a scam of some kind. This is first time I've ever received something like this. 

I have attached a copy of the document as seen from the front. There is no information on the back, its blank. 

Thank you! 

Sincerely, 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 2025-11-18 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: VA

Complaint narrative:
I am writing to formally dispute the following items on my credit report, as they contain inaccuracies and inconsistencies that need to be addressed. Below, I have outlined the details of the accounts I am disputing, separated by each credit bureau. 


Charged Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries FactualData Date : XX/XX/XXXX FactualData Date : XX/XX/XXXX FactualData Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation