vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report, and I was shocked to learn I have been a victim of identity theft. These accounts are identified as fraudulent accounts that I did not authorize to report on my credit report. 
According to ( FCRA ) 15 USC Section 1681i- Reinvestigation of disputed information. ( FCRA ) 15 USC 605 B- Blocking of Information Resulting from Identity Theft, Fraud, or Inaccurate Reporting. ( FCRA ) Section 609 ( a ) ( 1 ) ( A ). 
You are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 
Failure to positively verify these accounts has been hurting me in my ability to obtain credit and as I am in the process of looking buy a home for my family. 
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand to see verifiable proof with : * An original consumer contract with my signature on it. 
* The name, address, license number of the original creditor. 
* The chain of custody/ assignment documentation providing the XXXX legal right to collect. 
* A complete itemized accounting of the debt. 
* The method of verification used by the furnisher during previous reporting. If the information can not be verified, it must be deleted from my credit file in compliance with FCRA law.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies across my credit reports from TransUnion, Equifax, and Experian, specifically involving my accounts with XXXX XXXX XXXX XXXX XXXX  accounts show inconsistent balances, dates of last activity, and late payment reporting : TransUnion reports XXXX with a balance of {$6800.00} as of XX/XX/XXXX, Equifax reports XXXX with the same balance but last activity of XX/XX/XXXX and late XXXX and XXXX delinquencies, while Experian reports XXXX with {$6800.00}, last activity XX/XX/XXXX. Another set of XXXX  accounts has TransUnion showing {$14000.00}, Equifax {$1700.00} with late payments, and Experian {$14000.00} reporting late 90, 120, and 150 days. XXXX XXXX appears with last activity dates and reporting dates that differ across all three bureaus, ranging from XX/XX/XXXX to XX/XX/XXXX, despite the balance remaining {$380.00}. XXXX XXXX also shows conflicting last activity dates, with TransUnion and Experian reporting XX/XX/XXXX, while Equifax reports XX/XX/XXXX, though the balance is {$0.00}. These discrepancies in balances, activity dates, and delinquency information create confusion, misrepresent my payment history, and may affect my ability to obtain credit fairly. I have attempted to verify these accounts and ensure accurate reporting, but the inconsistencies remain across all three major credit bureaus.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies across my credit reports from TransUnion, Equifax, and Experian, specifically involving my accounts with XXXX XXXX XXXX XXXX XXXX  accounts show inconsistent balances, dates of last activity, and late payment reporting : TransUnion reports XXXX with a balance of {$6800.00} as of XX/XX/XXXX, Equifax reports XXXX with the same balance but last activity of XX/XX/XXXX and late XXXX and XXXX delinquencies, while Experian reports XXXX with {$6800.00}, last activity XX/XX/XXXX. Another set of XXXX  accounts has TransUnion showing {$14000.00}, Equifax {$1700.00} with late payments, and Experian {$14000.00} reporting late 90, 120, and 150 days. XXXX XXXX appears with last activity dates and reporting dates that differ across all three bureaus, ranging from XX/XX/XXXX to XX/XX/XXXX, despite the balance remaining {$380.00}. XXXX XXXX also shows conflicting last activity dates, with TransUnion and Experian reporting XX/XX/XXXX, while Equifax reports XX/XX/XXXX, though the balance is {$0.00}. These discrepancies in balances, activity dates, and delinquency information create confusion, misrepresent my payment history, and may affect my ability to obtain credit fairly. I have attempted to verify these accounts and ensure accurate reporting, but the inconsistencies remain across all three major credit bureaus.

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: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Billing Error Department Dept Education Nelnet XXXX XXXX XXXX, XXXX XXXX Re : Formal Billing Error Notice Under 15 U.S.C. 1666b Account Number : XXXX To Whom It May Concern : I am submitting this written notice to dispute your assessment of a late payment on my account referenced above. This dispute is made pursuant to 15 U.S.C. 1666b, which governs the timing of payments and prohibits a creditor from treating a payment as late unless the periodic statement was mailed or delivered at least 21 days before the payment due date. 

Reason for Dispute Your records indicate that my payment due on XX/XX/year> was marked late. However, the corresponding billing statement was not mailed or delivered to me at least 21 days prior to that date. I received the statement on XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which is fewer than 21 days before the due date. 

Because the statement was not provided within the statutory timeframe, you are not permitted to treat the payment as late for any purpose, including but not limited to : Late fees Penalty APR Negative credit reporting Loss of grace period Requested Resolution In accordance with federal law, I request that you : Remove the late fee ( s ) associated with this billing cycle. 

Reverse any penalty APR or adverse interest adjustments. 

Refrain from reporting this payment as late to any credit bureau. 

Provide written confirmation that my account has been corrected. 

Supporting Documentation I have enclosed copies of : The billing statement showing the mailing/delivery date Proof of when I received the statement ( if available ) Any other relevant documents Please investigate this matter and provide a written response within the timeframe required by law. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: HI

Complaint narrative:
On XX/XX/year> at XXXX XXXX and again on Sunday XX/XX/year> text messages were received from Aldous & Associates ( debt collector ) for XXXX XXXX XXXX XXXX with an amount listed as {$26.00}, XXXX. They did not provide any itemization or any context for how they arrived at that amount nor did they provide proof or validity of the debt. 
On XX/XX/year> I called the debt collector and informed them this debt is not valid and requested they stop collecting as the alleged debt in question is part of our active court case and pending court dates. The representative stated it's a valid debt and they can continue to collect, although if I so choose, I can send my request in writing and proceeded to provide their address. 
On XX/XX/year> I sent via certified mail a formal letter to the debt collector demanding they a ) marked the debt as a ) disputed ; b ) suspend collection activity pending the outcome of our case with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; c ) will not sell, assign or transfer the alleged debt and provided them with the court case number and details of the current active court order in place. 
On XX/XX/year> A XXXX text message from the debt collector ; this time sent to my husband 's phone. The message was the same I received on the XXXX, comes with a link and opens up to a portal with an amount owed, with options on payment plans and their contact info - nothing more. 
Nothing else within their site provides their validity or ability to collect on an alleged debt in the State of Hawaii ( XXXX ) and they provide No proof or itemization of how the alleged debt owed is broken down ( XXXX ) and/or, provide any legal documents that they possess that give them the authority to collect on this alleged debt. 
I find this very disturbing that a debt collector can blindly take a property manager 's request to collect monies and not do their own due diligence to make sure the alleged debt they are going to collect on is ( A ) valid for XXXX and ( B ) not part of any pending court order and ( C ) given proof that the debt was properly collected on prior to their acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Modern Adjustment Bureau
State: CA

Complaint narrative:
I am filing this complaint regarding Modern Adjustment Bureau due to their failure to honor a previously agreed-upon settlement and their repeated misrepresentation of our communication history. 

I reached a clear settlement agreement with Modern Adjustment Bureau, including the payment terms and the process through my employer. At {$3200.00} and monthly payments {$350.00}. I fully explained my current medical leave status and inability to receive regular wages at this time, and I provided documentation to support this, including a doctors highliting that I was XXXX XXXX XXXXXXXX. Despite this, the agency later claimed they were not aware of my work status and attempted to retract the agreement we had already reached. 

Additionally, Modern Adjustment Bureau insisted payments had to come through my employeronly to later reverse their position and attempt to change the terms when my employer explained that I was currently being paid by workers compensation and not directly through my employer. Their inconsistent statements and refusal to acknowledge previously provided information have delayed the process unnecessarily and caused significant stress and hardship. 
I am requesting that the agency be held accountable for : 1. Failing to honor the negotiated and accepted settlement agreement.

2. Providing contradictory information and attempting to renegotiate after terms were set.

3. Ignoring relevant medical status documentation I provided multiple times.

4. Engaging in unprofessional and misleading communication practices.

I am requesting that the original settlement agreement be enforced as previously accepted, and that all further communication from the agency be handled in a professional, accurate, and consistent manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: 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: CA

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by 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 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: FL

Complaint narrative:
This complaint is being filed because the credit reporting agency has returned a response to my previous CFPB dispute claiming that the contested accounts, inquiries, and personal identifying information were verified. This verified response is inaccurate, incomplete, and inconsistent with the requirements of the Fair Credit Reporting Act.

Pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), I am invoking my right to request a Method of Verification for every item the credit reporting agency reported as verified, including : 1. All accounts disputed in the initial CFPB complaint 2. All hard inquiries associated with those disputed accounts XXXXXXXX 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 XXXX XXXX All addresses, address-identification numbers, prior address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX references, XXXX non-consumer-provided personal identifiers appearing on the file that are not mine The credit reporting agency has not provided any legally sufficient evidence that they contacted the furnisher, nor have they provided any procedure used to reinvestigate the accuracy of the disputed information. 
The agency did not contact me, did not contact the FTC regarding my identity theft report, and did not verify the authenticity of addresses or address-identification numbers linked to fraudulent accounts.

Therefore, the verified response provided by the credit reporting agency is unsupported. Under the law, I have the right to receive : The exact name, address, and telephone number of the furnisher ( s ) of information A detailed description of the procedure used to verify the disputed items The source ( s ) of any address, inquiry, or account information the agency relied upon The method by which the agency verified the identity and address data appearing on my file The agency failed to provide all of the above.

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 status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WAFD BANK
State: AZ

Complaint narrative:
We reported almost immediately the fraud transactions and the bank account was closed. Our bank XXXX WaFd Bank did an investigation and reported the following : Their investigation determined " no error '' occurred by the Bank. Because it's a business purpose account -- the protections provided to consumer accounts do not apply. The disputed transactions were processed using valid online banking credentials -- obviously hacked somehow. Apparently, with our account there is a Small Business Payments Terms of Service in which we are responsible for all payments initiated using our User Identification and Password, regardless whether we authorized them. They said they are unable to reverse or recall the funds since the payments were sent electronically. 

Here are the details of the fraudulent transactions : Date Amount Transaction Description Account Number XX/XX/XXXX {$20.00} XXXX  to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1900.00} XXXX  to XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1900.00} XXXX  to XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX {$3900.00} XXXX  to XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX {$3400.00} XXXX  to XXXX XXXX XXXX XXXX XXXX # XXXX We came into the bank to close the account on XX/XX/XXXX. Our bank account number ends in XXXX -- if the complete closed bank account number is needed, we can provide. We are following up with law enforcement. The listed number XXXX to an old XXXX - money service discontinued in XXXX.

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: 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: TX

Complaint narrative:
I am filing this complaint because Experian did not comply with my request for the Method of Verification ( MOV ) for a collection account being reported by XXXX XXXX XXXX. Despite initiating a reinvestigation, Experian marked the account as remains and failed to provide the required verification details as outlined under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/2025, I mailed Experian a certified letter requesting the Method of Verification for the XXXX XXXX XXXX XXXX account. 
The letter was delivered on XX/XX/2025, confirmed by XXXX tracking # XXXX. 
Experian initiated a reinvestigation, but : Did not provide the Method of Verification, including who they contacted, how they verified the information, or what documentation was used.

Simply updated the account status to remains, which does not satisfy my MOV request.

Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), when a consumer requests the method used to verify a disputed item, the credit reporting agency must provide : The name, address, and telephone number of the furnisher contacted, A clear description of how the information was verified, Access to documentation, if applicable. 

Experian did not supply any of this 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 2025-12-09 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: SC

Complaint narrative:
I contacted the credit bureaus and informed them that I did not authorize anyone to make inquiries on my credit, and they release information without written authorization from me.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I contacted the credit bureaus and informed them that I did not authorize anyone to make inquiries on my credit, and they release information without written authorization from me.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I XXXX XXXX am a victim of Identity theft request the deletion and removal of the listed accounts on my credit report 1XXXX XXXX open date : XX/XX/XXXX XXXX. XXXX XXXX XXXX open date : XX/XX/XXXX XXXX XXXX open date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  open date : XX/XX/XXXX XXXX. XXXX XXXX XXXX open date : XX/XX/XXXX XXXX XXXX XXXX open date : XX/XX/XXXX XXXX XXXX XXXX XXXX open date : XX/XX/XXXX XXXX XXXX XXXX open date : XX/XX/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 2025-12-09 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: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under 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 explanation