vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish any 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 of 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 2025-09-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Transworld System Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Request for Validation of Alleged Debt To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe. Please be advised that I dispute this debt in its entirety, and I request validation as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request : 1. Documentation proving that I am legally obligated to pay the alleged debt.

2. A complete accounting of the alleged debt, including original amount, payments made, and fees/interest added.

3. The name and address of the original creditor.

4. Documentation proving that your agency has the legal right to collect this alleged debt ( including assignment, transfer, or purchase agreements ).

Until such validation is provided, you must cease all collection activity, including reporting this debt to credit bureaus. If you have already reported it, please notify the credit bureaus that the debt is disputed.

Be advised that I am keeping detailed records of all correspondence regarding this matter. Failure to comply with my request may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-02 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: NJ

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported. 

Accounts : 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I am filing a formal complaint against Nissan Motor Acceptance Corporation ( XXXX ) and XXXX XXXX, regarding serious and potentially illegal actions tied to an auto loan I entered into in XX/XX/XXXX. 

The vehicle was valued at approximately {$80000.00}, and I paid {$5000.00} in advance, even though I qualified for {$0.00} down. Payments were scheduled to begin on XX/XX/XXXX. 

However, I was illegally XXXX  on XX/XX/XXXX, with no charges or valid evidence. During this time, my sister attempted to make payments on my behalf in XXXX and XX/XX/XXXX, but XXXX and XXXX XXXX  refused to accept them, which put the loan into default through no fault of my own. 

In XXXX XXXX, my vehicle was unlawfully repossessed from inside my locked garage, while I was still in XXXX. My home was forcibly entered, and doors were left open resulting in unauthorized access, squatters, and over {$250000.00} in property damage. 

I was later informed that I owe {$11000.00} in fees despite XXXX 's earlier refusal to accept payments and lack of any notice or legal justification for their actions. 

Additionally, negative credit reporting has been filed against me related to this account, damaging my credit profile. I believe these actions constitute : Wrongful repossession Bad faith collection practices Illegal credit reporting Retaliation due to civil rights activity and XXXX research Potential violation of federal consumer protection laws DUE TO ILLEGAL XXXX, XXXX, AND burglary in MY HOUSE, I DON'T HAVE ALL THE INFORMATION however I provide the best information that I could obtain in the federal lawsuit XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
Date of discharge : XX/XX/year> My federal student loans were canceled under the XXXX loan forgiveness program due to my schools misconduct. The U.S. Department of Education discharged my loans in full. Despite this, [ XXXX XXXX continues to report negative payment history tied to those loans. This information is inaccurate and misleading since the debt was voided. I am requesting removal of all derogatory history and correction of my file to show a {$0.00} discharged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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 letter is a dispute of the late payment reported on my account. My documented records confirm punctual payments at all times. The reporting is inaccurate and misleading, negatively affecting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
I formally request the removal of this inaccurate account from my credit report, as I never consented to its creation or use. The required documents are enclosed to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: PA

Complaint narrative:
I am filing this complaint because both XXXX XXXX XXXX and XXXX XXXX, as furnishers, along with the credit reporting agencies ( Experian, XXXX, TransUnion ), are reporting inaccurate, misleading, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes filed under FCRA 611 with the credit bureaus, and direct disputes under 623 ( a ) with the furnishers, the accounts remain reported inaccurately and materially harm my credit profile. 

XXXX. XXXX XXXX XXXX ( Auto Loan ) : Account is reported as closed with an outstanding balance of {$5200.00} despite being settled/terminated.

Payment history reflects only 23 % on-time, but the records are incomplete, inconsistent, and misleading.

If the loan was transferred or charged off, XXXX should not continue to report a balance. This constitutes duplicate reporting and violates FCRA 607 ( b ) ( reasonable procedures for accuracy ). 

XXXX. XXXX XXXX ( Credit Card ) : Account closed on XX/XX/XXXX, yet continues to report utilization at 128 % in XXXX. This is factually impossible and materially misrepresents my creditworthiness.

Payment history shows 28 % on-time, but reporting is incomplete, misleading, and inconsistent across bureaus.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate.

Both furnishers failed to conduct a reasonable investigation under FCRA 623 ( b ), and the credit bureaus failed their obligation under FCRA 607 ( b ) to ensure maximum possible accuracy.

I am requesting that the CFPB require : Immediate deletion of the XXXX XXXX and XXXX XXXX tradelines from all consumer reporting agencies if they can not be fully verified with complete documentation.

Correction of any payment history or utilization data that is factually impossible or misleading. Confirmation in writing of the corrective action taken. These inaccuracies are causing material harm to my credit profile, my ability to obtain housing and financing, and are a direct violation of federal law.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( 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  ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 
At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file.

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, TransUnion continues to report the account and the inquiries, causing ongoing harm.

TransUnion has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met.

As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized account When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial stress and embarrassment.

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 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau XX/XX/year> Alliance One has not met the required information that I requested and refuses to verify the alleged debt that was securitized { meaning the original is not the owner of debt } .My complaint XXXX state s the required information I need to verify the alleged debt Alliance One still continues to not release the information that I requested making this alleged debt null and void

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: PA

Complaint narrative:
I discovered a collection account from XXXX XXXX XXXX for {$1600.00} that I do not recognize. I have no knowledge of this debt, and I have not received proper validation or documentation proving that this account belongs to me. I am disputing this account because I do not have enough information about its origin, and I believe it may be inaccurate or reported in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Kashable LLC
State: GA

Complaint narrative:
I borrowed {$4700.00} from Kashable/XXXX  XXXX XXXX  in XX/XX/XXXX with scheduled bi-weekly payments of {$120.00}. Since then, I have made ongoing payments, including multiple {$60.00} {$83.00} weekly payments in XXXX that are confirmed in Kashables own mobile app ( Exhibit D ). 

Despite this, Kashable has repeatedly misapplied my payments, combined payments, or failed to credit them properly. As a result, they reported false 30-day late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and inconsistent balances across my credit reports : XXXX  shows {$1400.00} with a $ 262 monthly payment ( incorrect ). 
XXXX  shows {$1400.00} with a past due balance. 
Kashable letters from XX/XX/XXXX and XX/XX/XXXX, report different balances ( {$1400.00} vs. {$1400.00} ). 
Kashables app shows I have paid {$5000.00} with only {$1300.00} remaining. 

I requested documentation multiple times, including a full payment ledger, debt validation, and correction of inaccurate reporting. Kashable responded with contradictory letters and false statements ( e.g., claiming I only made one {$83.00} payment when their own app shows otherwise ). On XX/XX/XXXX, they told me to call the Helpdesk instead of providing records. 

This inaccurate reporting has directly harmed my credit scores and made it harder for me to rebuild financially. I am requesting that the CFPB require Kashable to : 1. Correct or remove the inaccurate tradeline from all three credit bureaus.

2. Provide a full and accurate accounting of my payments and balance.

3. Stop reporting false delinquencies while payments are pending or misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation