vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
On XX/XX/, I sent a letter requesting validity of the said account that appears on my credit report ; however, to this date I still have not received any correspondence detailing the request I sent. 

Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Request for Debt Validation - Account Number XXXX XXXXXXXX To Whom It May Concern, I am writing to you regarding the above-referenced account, which appears on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide the following : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. Proof that I am legally obligated to pay this debt ; 4. A copy of the original contract or agreement with my signature ; 5. Documentation showing your legal authorization to collect on this debt in my state. 

If you can not provide this documentation, the entry must be removed from my credit report. Furthermore, please cease all collection efforts until this debt is validated. 

This is not an admission of liability. This letter is sent in good faith and without waiver of my rights under the FDCPA or any other applicable laws. 

Sincerely, /s/ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I have been contacted by Aldous & Associates, a debt collection company, claiming I owe {$120.00} for a gym membership with XXXX XXXX. They have my birthdate listed as XX/XX/XXXX, but my actual birthdate is XX/XX/XXXX. I informed them of this discrepancy and that I was a minor when the contract was signed, so I am not legally responsible for the debt. Despite this, Aldous & Associates continues to attempt collection and contact me repeatedly. 

They have also threatened me by stating : We may report information about your XXXXXXXX XXXXXXXX account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
Yours sincerely, Aldous & Associates P.L.L.C. 

THIS IS AN ATTEMPT TO COLLECT A DEBT : ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. 
At this time, no attorney with this firm has personally reviewed the particular circumstances of your account. 

The company refuses to acknowledge my actual birthdate or my status as a minor at the time of signing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My vehicle was stolen and total loss on XX/XX/year>. I have attached the police report below. XXXX XXXX was notified of this and stated they would send me further correspondence on whether they would pick the car up from the tow yard or leave it. I have reached out to XXXX  several times to get clarity on this matter. XXXX has placed a late payment on my account for the month of XX/XX/year> even after knowing the car was total loss and now in there possession. I have been late once over the course of the loan and this was very early on. My credit score reflects my discipline with payments and I do not appreciate the late payment being placed on my account nor the company calling me & my family demanding payment for the month of XXXX. It is now XXXX and the account is reflecting that i owe now for the month of XXXX AND XXXX. I do not want two late payments on my credit because XXXX doesn't do their job. I am attaching screenshots as well as the letter that I mailed to XXXX financial to get this matter sorted out. Each time that I have called I recieve a recorded message stating they are " unavailable '' and the online chat system is asking me to call which I have done several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
My vehicle was stolen and total loss on XX/XX/2025. I have attached the police report below. XXXX XXXX  was notified of this and stated they would send me further correspondence on whether they would pick the car up from the tow yard or leave it. I have reached out to XXXX several times to get clarity on this matter. XXXX has placed a late payment on my account for the month of XX/XX/2025 even after knowing the car was total loss and now in there possession. I have been late once over the course of the loan and this was very early on. My credit score reflects my discipline with payments and I do not appreciate the late payment being placed on my account nor the company calling me & my family demanding payment for the month of XXXX. It is now XXXX and the account is reflecting that i owe now for the month of XXXX AND XXXX. I do not want two late payments on my credit because XXXX doesn't do their job. I am attaching screenshots as well as the letter that I mailed to XXXXXXXX XXXX  to get this matter sorted out. Each time that I have called I recieve a recorded message stating they are " unavailable '' and the online chat system is asking me to call which I have done several times.

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 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My vehicle was stolen and total loss on XX/XX/year>. I have attached the police report below. XXXX XXXX  was notified of this and stated they would send me further correspondence on whether they would pick the car up from the tow yard or leave it. I have reached out to XXXX several times to get clarity on this matter. XXXX has placed a late payment on my account for the month of XX/XX/year> even after knowing the car was total loss and now in there possession. I have been late once over the course of the loan and this was very early on. My credit score reflects my discipline with payments and I do not appreciate the late payment being placed on my account nor the company calling me & my family demanding payment for the month of XXXX. It is now XXXX and the account is reflecting that i owe now for the month of XXXX AND XXXX. I do not want two late payments on my credit because XXXX doesn't do their job. I am attaching screenshots as well as the letter that I mailed to XXXX XXXX  to get this matter sorted out. Each time that I have called I recieve a recorded message stating they are " unavailable '' and the online chat system is asking me to call which I have done several times.

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 2025-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I reached out to the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was never provided proof or no organizational contact or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I am writing to formally dispute a late payment entry associated with the following account, which is currently appearing on my Experian credit report : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$360000.00} This item has been previously disputed, yet it continues to appear with what I believe is inaccurate or unverifiable information. I respectfully request that Experian initiate a full reinvestigation of this account, as provided under the Fair Credit Reporting Act ( FCRA ) 611 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I unfortunately have several student loans with Nelnet. I submitted disputes to each bureau to get them to delete the incorrect reporting on all bureaus where it shows positive reporting for many months and then immediately started reporting 90 days late without acknowledging that the accounts were 30 and then 60 days past due. In other words, the loans all go from positive reporting to immediately 90 days past due. To add to this travesty, I can't even get ahold of anyone at the customer service number they publish in order to rectify this and get my account up to date. This type of reporting is illegal, of which both Nelnet and the bureaus are complicit and do fake investigations that go to nowhere. For this illegal reporting, the accounts are supposed to be removed from my credit reports, per the FCRA, which everyone ignores. THESE ARE FCRA VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NJ

Complaint narrative:
On XXXX XXXX XXXX XXXX suffered a data breach in which my information was leaked. Previously a data breach at equifax was suffered as well. I was informed that my social security number, my home address even my email addresses and passwords were compromised. Theres account from XXXX XXXX, XXXX, and XXXX XXXX that I do not recognize.

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 2025-07-21 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: ND

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I hereby invoke my rights under the Gramm-Leach-Bliley Act ( GLBA ) and federal PII protections. 
My personal dataincluding my name, Social Security number, address, and credit historyhas been furnished, stored, and shared without my express or continuing consent. 
Pursuant to FCRA 604 ( a ), I am now formally revoking any prior authorizationwhether express, implied, or assumedfor the reporting, sharing, or dissemination of my data by you or any party furnishing this information to your agency. This revocation also applies to any affiliate, data broker, third-party vendor, or downstream repository to whom you have sold, transferred, or otherwise shared my personal information. Any continued use or transfer of my datadirectly or indirectlywill be treated as an unauthorized disclosure and breach of federal privacy law. 
To date, neither the credit reporting agencies, the data furnishers, nor the originating creditors have provided any sufficient documentation to prove that the reporting of these accounts is lawful, accurate, or authorized. No contract, original source records, or permissible purpose disclosures have been produced. 
As such, under the doctrine of estoppel by silenceas upheld in Engelhardt v. Gravens ( Mo ) 281 S.W. 715, 719your failure to respond with legally sufficient evidence constitutes a legal presumption that no such proof exists, and therefore no lawful basis for reporting remains. 
Accordingly, these accounts must be removed immediately and permanently from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Complaint Summary : I am filing this complaint against Navy Federal Credit Union for the unjustified and immediate closure of my account, refusal to provide specific reasoning, and denial of appeal despite full compliance and documentation. Their handling of this matter demonstrates a lack of transparency, accountability, and fair treatment. 


-- - Timeline of Events : Account Opened : XX/XX/year> Account Number : XXXX Account Closed : Within XXXX hours ( XX/XX/year> ) Appeal Submitted : XX/XX/year> Appeal Outcome : Denied Reason cited as " suspicious activity '' with no additional context or detail provided -- - Description of the Problem : I opened an account with Navy Federal on XX/XX/year>, and the account was approved and active. However, within XXXX hours, Navy Federal closed the account without warning. I did not receive any prior notice or opportunity to respond. I immediately contacted Navy Federal and was instructed to file an appeal. 

I submitted an appeal on XX/XX/year>, providing all requested documents, including my government-issued ID and proof of address. Despite this, the appeal was denied and I was informed only that the account presented " too much risk '' and was associated with " suspicious activity. '' No specific explanation, evidence, or detailed findings were ever given to support these claims. 

This treatment is deeply concerning. I have no history of fraud or misconduct and have never received clarification on what risk was supposedly posed. I believe this lack of justification and arbitrary closure may constitute violations under consumer protection laws, including Regulation B ( ECOA ), Regulation E ( EFTA ), and Unfair or Deceptive Acts or Practices ( UDAAP ).

-- - Harm Experienced : Denial of fair access to banking services Damage to personal and financial reputation Psychological stress due to vague accusations Interference with my ability to manage finances Time lost attempting to resolve the issue -- - Desired Resolution : 1. A full and specific explanation of the decision to close the account 2. An independent review and reconsideration of my appeal 3. A written acknowledgment that no wrongdoing was found on my part 4. If no violations are found, a reinstatement of my eligibility to bank with Navy Federal Should this matter not be resolved transparently and appropriately, I am prepared to explore legal action on the basis of financial harm, reputational damage, and lack of due process. 


-- - Personal Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NY Phone Number : XXXX Email : XXXX XXXX Federal Account Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2025 Balance : {$26000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-07-21 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: TX

Complaint narrative:
I am writing to formally assert that my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., have been violated. I have reason to believe that one or more consumer reporting agencies ( CRAs ), without my informed consent or lawful purpose, have used, disclosed, or otherwise traded my personal credit information for purposes of profit, data exchange, or resale to third parties not authorized under the law.

Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for specific permissible purposes, such as credit, insurance, employment, or other purposes explicitly authorized by the consumer. At no time did I provide explicit written permission for the use of my consumer report in data trading, resale, or marketing efforts that fall outside these legally permissible purposes.

Furthermore, the dissemination or sale of my personal information for profit without my direct knowledge or informed consent may also constitute a violation of 15 U.S.C. 1681e, which requires consumer reporting agencies to maintain reasonable procedures to ensure that reports are furnished only for legitimate and authorized uses. 

If this conduct has in fact occurred, it would represent an unlawful exploitation of my private data and a breach of federal consumer protection law. I am requesting a full investigation, a clear accounting of where and to whom my consumer information was disclosed, and immediate corrective action to cease any ongoing misuse of my data.

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 2025-07-21 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: Sunset Management, Inc
State: GA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding an account reported by [ Creditor Name ] that includes inaccurate late payments. 

I disputed this with the credit bureau ( s ), but the item was verified without any documented proof from the furnisher. No billing statements, payment history, or evidence of delinquency was provided. This violates FCRA 1681i, which requires complete and verifiable information.

I am requesting the removal of this inaccurate information from all consumer reports. This late payment is damaging my credit unfairly, and the creditor has failed to meet the legal burden of proof. 

I am asking the CFPB to intervene and ensure this account is either verified with documentation or permanently deleted from my credit report.

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