vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-12-09 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:
This correspondence serves as an official complaint and second notice regarding the incorrect and inconsistent reporting of the account known as XXXX XXXX ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX  in my Equifax credit report. I previously submitted a sworn affidavit identifying errors and inconsistencies in the reporting of this account. More than 30 days have passed since my first dispute, and Equifax has not corrected nor properly reinvestigated the inaccurate information, as required under Federal Law. 

Due to Equifaxs failure to correct or verify this information within the legally required timeframe, I have now filed an official Federal Identity Theft Report, since Equifax continues to report incorrect information and has failed to comply with proper reinvestigation procedures under FCRA. 

Reporting Errors & Inaccuracies ( XXXX XXXX ) Equifax is currently reporting several inconsistencies related to this account, including but not limited to : Contradictory dates regarding opened, closed, and last reported status Incorrect and inconsistent status remarks Unverifiable balance and status information Inconsistent reporting compared to other bureaus Failure to update or correct after affidavit and dispute Failure to provide reinvestigation documentation within the statutory time frame These inconsistencies demonstrate that Equifax continues reporting incorrect, unverifiable, and contradictory information, which must be corrected or removed under the Fair Credit Reporting Act.

Violation of Federal Law Equifax is currently violating multiple sections of Federal Law, including : 15 U.S.C. 1681i ( FCRA 611 ) duty to reinvestigate properly 15 U.S.C. 1681e ( b ) failure to ensure maximum accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) duty to report accurate information 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) duty to correct or delete unverifiable information XXXX  and XXXX  have already received notices regarding this account, and your continued reporting of inaccurate information constitutes ongoing violation of federal consumer protection statutes. 

Identity Theft Report Filed Because Equifax failed to correct these errors after affidavit and dispute, and continues showing multiple recording inaccuracies, I have now filed a Federal Identity Theft Report and I am attaching it to this complaint.

This action was necessary due to Equifaxs continued failure to comply with federal law and correct inaccurate information after proper notice. 

Formal Request I am demanding the following under the Fair Credit Reporting Act : immediate correction of all inaccurate information regarding XXXX XXXX  immediate reinvestigation immediate deletion if the information can not be corrected Federal law requires deletion where information remains unverified, inaccurate, or uncorrected after dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: SC

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 2025-12-09 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: FL

Complaint narrative:
I am writing to dispute the accuracy of the following items on my credit report, which I believe to be inaccurate or incomplete. The details of the disputed items are as follows : CHARGED OFF ACCOUNTS DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES 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 2025-12-09 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:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-09 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: FL

Complaint narrative:
o Whom It May Concern : This letter is a formal 7-day demand under the Fair Credit Reporting Act requiring Equifax to verify or delete the inaccurate, outdated, and unverifiable accounts listed below. The information reporting on my Equifax file violates : FCRA 602 ( A ) Maximum possible accuracy FCRA 607 ( b ) Failure to assure accuracy FCRA 611 ( a ) ( 1 ) ( A ) Duty to investigate FCRA 611 ( a ) ( 5 ) ( A ) Mandatory deletion of unverifiable information FCRA 605 ( a ) Time limits for reporting derogatory information FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate data The CFPB lawsuit against Equifax ( XXXX ) further demonstrates their repeated history of failing to investigate disputes and allowing inaccurate information to remain on consumer reports. I am holding Equifax to all federal requirements. 





ACCOUNTS REQUIRING IMMEDIATE DELETION XXXX XXXX  Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reported : XX/XX/XXXX Highest Balance : {$190.00} Reported On-time Payment Rate : 1 % ( factually impossible on a closed/paid loan ) Violations : FCRA 605 ( a ) ( 4 ) Derogatory information may not be reported after 7 years ( This account is nearly 10 years old, and any derogatory marks MUST be removed. ) FCRA 607 ( b ) Reporting inaccurate on-time rate FCRA 611 ( a ) Incorrect reinvestigation procedures FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate payment history Demand : This account is WELL PAST the 7-year reporting period. 

You must delete the entire tradeline immediately. 



If Equifax can not verify its accuracy within 7 days, the FCRA requires deletion. 



XXXX XXXX XXXX XXXX XXXX XXXX  ( Transferred, Charge-Off ) Opened : XX/XX/XXXX Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Status : Charge-off + Transferred Payment history showing late mark ( s ) beyond legal timeframe Problems Identified : Account is still reporting charge-off derogatories past the legal limit Payment history shows XXXX ( 90+ days late ) without proper date sequence Transferred accounts can not continue reporting derogatory marks Equifax is reporting payment history for years after closure , which is not possible Violations : FCRA 605 ( a ) Reporting obsolete derogatory information FCRA 607 ( b ) Failure to maintain accurate reporting FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct reasonable reinvestigation FCRA 623 ( a ) ( 5 ) Illegal re-aging of delinquency dates FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate status after transfer Demand : I request full documentation establishing : The correct DOFD ( Date of First Delinquency ) Proof no illegal re-aging occurred Proof of derogatory reporting authority after transfer If Equifax can not provide documentation within 7 days, this account must be deleted completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: CT

Complaint narrative:
This number has been calling me every single day for weeks to the point of XXXX calls yesterday 84 calls today. They start at XXXX XXXX  and they continue all the way until XXXX XXXX. I have the number blocked and it continues to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: HI

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 explanation
Consumer complaint received 2025-12-09 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: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio Recovery Associates , LLC is reporting and attempting to collect a consumer debt without providing a complete and lawful chain of title or valid assignment showing legal ownership of the account. This constitutes multiple violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

FDCPA Violations and Monetary Exposure : Portfolio Recovery has failed to properly validate the alleged debt after timely dispute, while continuing collection and credit reporting activity, in violation of 15 U.S.C. 1692g ( b ). They have falsely represented the character and legal status of the debt and their authority to collect by claiming ownership without proof of assignment, in violation of 15 U.S.C. 1692e, and have engaged in unfair and unconscionable collection practices under 15 U.S.C. 1692f.

Under 15 U.S.C. 1692k, these violations subject Portfolio Recovery Associates to statutory damages of up to {$1000.00}, in addition to actual damages, court costs, and mandatory attorneys fees should civil action be filed. 

FCRA Violations and Monetary Exposure : Portfolio Recovery Associates is furnishing inaccurate, incomplete, and unverifiable information to consumer reporting agencies without demonstrating a permissible purpose or legal ownership, in violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( b ). Portfolio Recovery failed to conduct a reasonable investigation after receiving notice of dispute and continues to verify incorrect information.

These violations subject Portfolio Recovery to actual damages, statutory damages of {$1000.00} per violation for willful noncompliance under 15 U.S.C. 1681n, punitive damages where applicable, and recovery of attorneys fees and costs. If violations are found to be negligent under 15 U.S.C. 1681o, Portfolio Recovery is still liable for actual damages and attorneys fees. Additional Violations Increasing Liability : If Portfolio Recovery altered or re-aged the date of first delinquency, such conduct v
iolates 15 U.S.C. 1681c ( a ) ( 4 ) and materially increases statutory and punitive damages exposure. Any access to or use of my consumer report without a lawful permitted purpose violates 15 U.S.C. 1681b, subjecting Portfolio Recovery to statutory damages of {$1000.00} per unauthorized access, plus punitive damages.

Demand for Resolution : Due to the above violations and associated monetary exposure, I am requesting immediate deletion of all Portfolio Recovery Associates tradelines from all consumer reporting agencies, written confirmation that Portfolio Recovery will cease all collection activity, and a full correction of my consumer file. Failure to resolve this matter will leave me no alternative but to pursue all available civil remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Request for Full Discharge of Student Loans Due to Nelnet Misleading and Unlawful Practices I am writing to formally request the discharge of all student loans held by Nelnet due to the company 's deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. 
Nelnet misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, Nelnet has a history of misreporting my payment status to credit agencies, severely damaging my credit score. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which Nelnet has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). Nelnet conduct has caused me significant financial harm, mental distress, and a long-term burden that could have been avoided with honest and fair guidance. As a borrower who relied on Nelnet advice and entrusted them to manage my student loans be fully forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: MA

Complaint narrative:
This is a request to REOPEN CFPB complaint # XXXX because the company misrepresented delivery of funds and no settlement payment was ever received. 

This is a request for enforcement of the U.S. Bank ReliaCard settlement and a dispute of the company 's closure of my prior CFPB complaint ( # XXXX ). 

U.S. Bank sent a letter dated XX/XX/XXXX stating they mailed two settlement checks : one on XX/XX/XXXX, and a second replacement check on XX/XX/XXXX. 

The first expired before I ever saw it ( VOID after 180 days ), and the second check they claim to have mailed never arrived. 

U.S. Bank closed the CFPB complaint as if the settlement had been satisfied, but no funds were ever delivered to me. This is a failure to provide court-ordered restitution and a misrepresentation of compliance. 

I am requesting that CFPB : XXXX. Reopen or link this complaint to the original, XXXX. Require U.S. Bank to reissue the settlement payment, XXXX. Require the bank to send the funds by a secure, trackable method, and XXXX. Verify that the settlement is actually honored. 

I can not call the company due to emotional distress. I need this handled in writing through CFPB. 


This matter is unresolved and causing ongoing harm.

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 2025-12-09 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: FL

Complaint narrative:
XXXX XXXX from XXXX and XXXX keeps calling me frequently throughout the day. I spoke to a representative XXXX time telling them to quit calling me because the information they had was false. The increased the amount of times they call throughout the day. I blocked XXXX number and then they'll call from a new one. I've blocked several different numbers from this company and it doesn't stop. 

They are trying to collect a debt of unpaid gym membership, when I paid up my contract and no longer live in the area that they are operating in. I contacted the gym but they couldn't find my account due to new ownership.

Company response to consumer: Closed with explanation