vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: IL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
Over the past year Aldous and Associates have called me nonstop despite me telling them to stop calling. They continued this harassment with robocalls from XXXX XXXX over and over again. Multiple times per day before XXXX XXXX  and as late as XXXX XXXX. I told them to cease communications early on in their collection process and they ignored my request and the calls and emails continued. 

They falsely reported a collection on my credit account and refused to send me proof because I disputed it and they verified it with the original creditor but still did not send me proof after asking multiple times. They emailed me again XXXX after telling them to stop. I believe they are in violation of numerous FDCPA laws and have been sued for similar things in the past. I plan on taking legal action against them and encourage anyone harassed by ALDOUS AND ASSOCIATES to do the same. They HARASSED me and threatened to tarnish my credit report and did not send proof via mail after 30 days of my request. It has been over 180 days since I asked them and still only got an email with no actual proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXX XXXX XXXX with {$0.00} balance opened on XX/XX/year> has violated my rights. 

You violated the United States Code Law ( TILA 12 U.S. Code 166 ( b ) charge error ).

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose. 

The XXXX XXXX XXXX XXXX account with {$0.00} balance opened on XX/XX/year> SHOULD NOT BE REPORTING NO LATE PAYMENTS WHAT SO EVER. PLEASE REMOVE/DELETE ALL LATE PAYMENTS.

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 2025-09-11 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Re : Identity Theft Dispute & Demand for Deletion of Fraudulent Accounts Under FCRA 605B, 15 U.S.C. 1681c-2 ; FDCPA ; UCC ; Cease & Desist Dear Credit Bureau , I am a verified victim of identity theft and write to dispute and demand deletion of fraudulent accounts appearing on my credit report. I have attached my FTC Identity Theft Report ( # XXXX ), a copy of my Ohio Drivers License, and supporting evidence. 

Pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), you are required by law to block and delete any information resulting from identity theft within 4 business days of receipt. 



Fraudulent Accounts & Collections to Delete : XXXX XXXX ( Auto Loan ) {$18000.00} balance ( fraudulent auto loan opened XX/XX/XXXX ) XXXX XXXX {$1600.00} ( fraudulent, account closed XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX  {$450.00}, fraudulent credit card XXXX XXXX  {$1600.00} fraudulent credit card XXXX XXXX XXXX XXXX fraudulent account opened XX/XX/XXXX Collections : XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$800.00} & {$1300.00} XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX  {$650.00} These accounts were opened without my knowledge or consent and must be permanently removed. 



Legal Basis FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires deletion of fraudulent tradelines.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Furnishers must report accurately and investigate disputes.

FDCPA ( 15 U.S.C. 1692c & 1692e ) : Prohibits collection activity on fraudulent debt ; requires cease & desist. 
UCC 1-308 : I reserve all rights without prejudice.

Demands 1. Block and permanently delete all fraudulent accounts listed.

2. Cease and desist from reporting or re-inserting these accounts.

3. Send me written confirmation within 30 days that my file has been corrected.

4. Notify all creditors, lenders, and parties that received the inaccurate report.

Failure to comply will result in complaints to the CFPB, FTC, and State Attorney Generals Office. 


Sincerely, XXXX XXXX XXXX XXXX Without Prejudice

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 2025-09-11 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:
This false mark creates a misleading impression of my financial record. I ask that it be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CT

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair credit reporting act 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 whom the report relates to according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general after any reinvestigation under ( 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- ( 1 ) 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 ( 2 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681 s-2 they are supposed to 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. 


I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair credit reporting act 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 whom the report relates to according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general after any reinvestigation under ( 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- ( 1 ) 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 ( 2 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681 s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I submitted a written dispute and validation request to Portfolio Recovery Associates , LLC on XX/XX/year>, under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). They failed to provide proper validation, including a signed agreement, itemized charges, chain of assignment, and proof they have the right to collect in Florida. Instead, they marked the account as disputed without fulfilling their legal obligations. 

I also opened a complaint with the CFPB on XX/XX/year>, which is still currently active. Despite this, on XX/XX/year>, Portfolio Recovery Associates updated my credit files with XXXX  and XXXX, flagging the account as a collection account with a balance of {$710.00}. This demonstrates they continue reporting and engaging in collection activity without first providing proper validation. 

I am uploading supporting documentation, including my Cease and Desist letter and the recent reporting alerts. I am requesting the CFPB investigate this matter and require the company to either properly validate or remove the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Looking at Sloan on credit report misleading late entries inaccuracy on both account. account on deferred how can report 180 days late XXXX ok in XXXX, XXXX  90 days late, This is misleading the whole accounting is inaccurate missleading and can be considered fraudulent The account numbers on report can not be verified on phone or portal, student loan service rep gave a list of all my loans and none was matching what is reporting, also ask if the school attend was XXXX XXXX that i never attend still is reporting these late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
To Whom It May Concern, I am writing in regard to the alleged debt you claim is owed to XXXX XXXX and that you are currently reporting and/or attempting to collect. 

Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am hereby demanding that you immediately cease all communication with me regarding this alleged debt. This includes, but is not limited to : Phone calls to my residence, workplace, or mobile phone Text messages, emails, and voicemails Contacting my family, friends, neighbors, or employer You are further reminded that : Contacting me outside of the hours of 8:00 AM to 9:00 PM ( local time ) violates 15 U.S.C. 1692c ( a ) ( 1 ).

Contacting me at my place of employment violates 15 U.S.C. 1692c ( a ) ( 3 ) when you know, or should know, that my employer prohibits such communications.

Communicating with any third party about this alleged debt violates 15 U.S.C. 1692c ( b ).

If you believe you have the right to pursue this matter further, you may only contact me in writing and only to inform me of one of the following : That you are ceasing all collection efforts ; or That you intend to pursue specific legal remedies.

Be advised that any further violation of my rights under the FDCPA will be documented and used as evidence in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and in any legal action I may pursue against your company for statutory damages, actual damages, attorneys fees, and costs. 

You are expected to comply fully with this demand.

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