vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The companys response is inaccurate and does not resolve my complaint. 

I am again disputing all three Portfolio Recovery Associates ( XXXX ) accounts. XXXX claims these debts belong to me, but they have not provided any actual validation. They only repeated information from the original creditor, which does not meet the legal standard for verifying a debt. 

XXXX. XXXX still did not provide a signed contract or proof I opened these accounts. 

XXXX did not provide : A signed credit card agreement Application with my signature IP address, phone number, or application method Statements showing I used the cards Any proof I benefited from or authorized these accounts Simply restating what XXXX or XXXX XXXX told them is not verification. 

XXXX. XXXX repeatedly references a SSN ending in XXXX this is NOT sufficient to prove identity. 

Identity theft is common, and matching only the last XXXX digits is NOT legal proof that I opened or used these accounts. 

XXXX. XXXX claims they sent letters, but I never received any of the initial notifications. 

If I never received these letters, then any claim that I didnt respond is invalid. 
Failure to notify me properly violates the FDCPA. 

XXXX. XXXX did NOT provide validation required under the FDCPA. 

Debt collectors are required to provide : Proof that I am legally responsible for the debt A complete accounting Documentation showing how the balance was calculated They provided none of this. 

XXXX. XXXX admits they BOUGHT these debts that does not make me responsible. 

XXXX states no contract exists between them and myself. If they bought unverified debt, that is their business risk. 
They can not legally collect without proper validation. 

XXXX. The accounts were previously disputed with the credit bureaus. 

XXXX ignored those disputes and continues reporting inaccurate information, which violates : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) XXXX. I am requesting the CFPB to intervene. 

I need XXXX to either : Provide real, lawful validation or Delete the accounts from my credit reports immediately Their response did not resolve anything, and the debts remain unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and it is has been hindering my ability to obtain credit. They have been reinstated without my consent or notification after being removed and deleted over FIVE TIMES. This HAS BEEN AN ONGOING ACT OF AGGRAVATED IDENTITY THEFT.

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 2025-12-03 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: TX

Complaint narrative:
This is not a trivial error. Multiple accounts on my credit report contain inaccuracies and are not being reported with the level of accuracy required by law. These false entries are harming my financial standing and causing real, ongoing hardship. I take my credit seriously, and these persistent errors are creating stress and tangible negative consequences in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I am disputing the following charged-off accounts on my TransUnion credit report : XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$68000.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1300.00} XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$3600.00} XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1400.00} XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1300.00} XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$9300.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$840.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1700.00} XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$870.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$5300.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$670.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$24000.00} XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX TOL - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$870.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$2400.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$2800.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} Late Payments : I am disputing the following late payments on my TransUnion credit report : XXXX FCU - Account No. XXXX XXXX XXXX  - Account No. XXXX XXXX XXXX - Account No. XXXX XXXX FCU - Account No. 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 2025-12-03 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-03 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: IL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality XXXX USC XXXX accounts below have violated my XXXX U.S.C XXXX section XXXX. States I have the right to XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Anyother adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX U.S.C XXXX ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate .Delete the accounts below XXXX XXXX XXXXXXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX/ XXXX 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 2025-12-03 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: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX U.S.C. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-03 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. 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 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
DriveTime/Bridgecrest is reporting a {$17000.00} charge-off on my credit file. Under IRS Regulation XXXX, a creditor must issue a XXXX when cancelling/charging off more than {$600.00}. I have received no XXXX, no cancellation documentation, and no explanation of debt status. 
Additionally, Experian is reporting illegal future dates, conflicting payment history, and incomplete information. 
This violates : FCRA XXXX, XXXX, XXXX, XXXX CFPB Accuracy Standards Consumer Data Accuracy & Transparency Act ( 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 2025-12-03 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:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX XXXX MN XXXX XX/XX/year> Dear Trans Union Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete the accounts above immediately, unless you want to be held {$1000.00} per violation

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 2025-12-03 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
Received an unsolicited offer for a conventional home mortgage. This was from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MI XXXX. ( XXXX ) XXXX. 

I was asking them on the phone about their interest rates and closing costs. I told them I did not want a hard credit pull, they assured me that one would not be done. I was not applying for a loan with them. They did a hard credit pull anyway, without authorization. This resulted in a recorded inquiry has affected my credit score.

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 2025-12-03 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: Nelnet, Inc.
State: IL

Complaint narrative:
Nelnet Credit Reporting Issue Company : Nelnet Product : Student Loan Servicing Issue : Incorrect or inappropriate credit reporting action despite servicer communication issue Complaint : I am submitting this complaint regarding Nelnets refusal to correct late payments reported for XXXX, XXXX, and XX/XX/year> on my student loan account. These late payments resulted from billing confusion caused by changes in my payment schedule, which I was not clearly notified or properly informed of. Once I became aware of the issue, I corrected it immediately and have maintained an on-time payment history since. 

I have requested that Nelnet provide either : A goodwill adjustment, or A retroactive administrative forbearance for the affected months ( which is commonly used in cases involving servicer-related communication issues ). 
Nelnet has declined to make any adjustments, despite the fact that the late payments stemmed from a servicer communication failure, not intentional or negligent non-payment. 

This situation is causing an immediate hardship. I am currently in mortgage underwriting, and my lender has given me a deadline of XX/XX/XXXX to resolve the credit reporting issue. If Nelnet does not correct the reporting, I will lose the ability to purchase a home. 

I am requesting CFPB assistance in : Getting Nelnet to review my case under their administrative exception policies Correcting the credit reporting for XXXX 2025 Ensuring the account reflects paid as agreed due to the servicer confusion and prompt correction I have documentation available and will provide any additional information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX ID : XXXX DOB : XX/XX/XXXX ID TYPE : Drivers Licence ID number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX To Whom It May Concern, I am writing to formally dispute fraudulent activity that occurred on my bank account and to request an investigation and correction of any negative records reported to Early Warning Services. 

Bank : XXXX  XXXX XXXX ( Open Date ) XX/XX/XXXX Account # : XXXX Routing # : XXXX In the month of around XXXX of XXXX, I entrusted my debit card to an individual I believed I could trust to help me with one authorized transaction only. Without my knowledge or permission, this individual later used my card and account information to deposit stolen checks and conduct transactions that I did not authorize. At the time, I was unaware that the checks being deposited were stolen or fraudulent. 
I did not participate in, benefit from, or have prior knowledge of these illegal activities. As soon as I learned that unauthorized and fraudulent transactions had been made, I took steps to address the issue and report the situation. I am providing this statement to clarify that I was a victim of deception and misuse of my account by another party. 
I respectfully request that Early Warning Services review this information, investigate the matter, and update any records related to this incident to accurately reflect that these activities were unauthorized and not initiated by me. 
If additional documents or clarification are needed, I am willing to provide further information. 
Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I hold no connection to these accounts ; take them down within 15 days in line with USC 1681g.

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 2025-12-03 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief