vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$540.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NJ

Complaint narrative:
I am filing this complaint because multiple companies have accessed, used, and updated my credit file without my authorization and without providing any proof when requested. 

Several hard inquiries on my report were not authorized by me and are connected to identity information that does not belong to me. One creditor even sent documentation marked XXXXXXXX XXXX XXXX XXXX, which is NOT my current legal name and does not appear anywhere on my current credit reports. This shows that these companies are accessing my report using incorrect identity information. 

Despite multiple disputes and requests for verification, creditors and the credit bureaus continue to claim accounts and inquiries are verified but never provide any signed applications, contracts, identity records, or documentation showing that I gave permission for my credit file to be pulled. 

During this time, some furnishers also updated the accounts with new negative information while disputes were open, which is not allowed under the FCRA. 

This appears to be : Incorrect identity matching Unauthorized use of my credit file Improper inquiries Mixed-file reporting Failure to verify under FCRA Retaliatory negative updates after disputes These actions have significantly harmed my credit and were done without proper consent or verification.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 XXXX 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 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 2025-12-01 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above. I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : Verification that I am the correct debtor, including full name, original account number, and any documentation bearing my signature.

The amount of the alleged debt, including an itemization of principal, interest, fees, and other charges.

The name and address of the original creditor.

Proof that you are authorized to collect this debt, including your license numbers and the states in which you are licensed ( if applicable ).

A copy of the original contract or agreement showing my obligation to pay the alleged debt.

Until this information is provided, and while this debt is being disputed, you must cease all collection activities, including reporting or verifying this debt with any credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been contacted by Portfolio Recovery Associates regarding a debt that is not mine. I never opened an account with the original creditor, and this debt is inaccurate. Despite this, I have received repeated collection attempts. I request that Portfolio Recovery Associates immediately cease all collection activity and correct any reporting to credit bureaus to reflect that this debt does not belong to me. I am prepared to provide documentation to verify that this debt is invalid and should be removed from my credit history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: CA

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 2025-12-01 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: KS

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: CO

Complaint narrative:
I am filing this complaint against US BANK HOME MORTGAGE for reporting false and unverified late payments on my account ( Account No. XXXX & XXXX ). Despite my written dispute, the furnisher has failed to provide any valid documentation, billing statements, notices, or proof supporting the alleged late payment ( s ). This is a direct violation of FCRA 623 ( a ), which requires furnishers to report accurate and fully verifiable information. 

US BANK HOME MORTGAGE continues to furnish inaccurate derogatory data to the credit reporting agencies, causing damage to my credit profile and financial standing. Their failure to investigate, verify, or correct this information demonstrates non-compliance with federal law and negligent reporting practices.

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 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
The first time they called the woman would not answer any of my questions and the second time a man said he would send the information that I requested and had written about, instead they sent me photos and information documenting a womans move out claim with her personal information attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
I am filing this 8th CFPB complaint because my credit reports continue to display multiple inaccurate, unverifiable, and misleading entries that violate my rights under federal reporting laws, despite repeated disputes. Under FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ), TransUnion is still reporting an inaccurate current address : XXXX XXXX XXXX, XXXX, CA XXXX, which is not mine and has never been associated with me. Additionally, the XXXX XXXX XXXX XXXX account remains inaccurately listed as a late closed account, with Experian showing no balance at all and TransUnion showing a {$0.00} balance, creating conflicting data that fails accuracy standards. Under FCRA 607 ( b ) regarding accurate reporting and the requirement to provide proper documentation for debt exceeding {$600.00}, the XXXX XXXX charge-off continues to appear with a {$1400.00} balance in Experian and TransUnion without any supporting 1099-C, making the reporting incomplete, misleading, and noncompliant. Further, the collection accounts reported under FDCPA 807, FDCPA 809, and FCRA 605B remain unverified and inaccurate, including XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX with a {$620.00} balance in both Experian and TransUnion, and XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX showing a {$67.00} balance in TransUnion, none of which have been validated or corrected despite multiple disputes. These continued reporting failures have caused ongoing harm, unfair credit suppression, and repeated violations of federal accuracy, verification, and reinvestigation standards, requiring immediate intervention and removal.

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 2025-12-01 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: PA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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 am submitting this complaint to report Experians continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. 
The accounts in questionXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Experian has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Experian is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Experian has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

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 2025-12-01 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: MOHELA
State: MD

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$54000.00}, Request for Student Loan Review and Potential Deletion Due to FERPA Violation Dear MOHELA, I am writing to formally request a review of my student loan records in light of potential FERRQ violations that may have impacted my loan XXXX eligibility, terms, or disbursement. Under FERPA, I have the right to privacy and accurate record keeping regarding my educational history. Upon reviewing my records, I have identified 1 discrepancies/misuse of my educational information, including but not limited to- 85, issues 1. Incorrect education records, or errors in enrollment from that student loan freedom affect of my education information, including but not limited to-Incorrect loan disbursement, unauthorized release of education records, or errors in enrollment status, this how this violation affected your loan, such as an incorrect balance, disbursement error, or fraudulent use of your records ] In accordance with FERPA regulations and consumer protection laws, I request:1. A full review of my student loan records and any errors caused by improper record-keeping or data misuse.2. A correction or deletion of any inaccurately reported loan amounts or disbursements.3. Written confirmation of the findings of this review within 30 days of receive of this letter. lf this matter is not resolved, I arg8 prepared to escalate my complaint to the U.S. Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ) .Please confirm receipt of this request? and provide guidance on the next steps.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I was approved for XXXX XXXX XXXX  on XX/XX/year>, but my servicer has failed to implement it. My balance has not been corrected to {$0.00}, interest is still accruing, and Nelnet continues reporting inaccurate information to credit bureaus. I am still receiving bills and negative credit reporting despite a full federal discharge. I repeatedly requested confirmation, correction of my account, reversal of interest, and proper credit reporting. The company has provided no resolution and continues to report inaccurate information, causing financial harm and credit damage. I need the discharge implemented immediately and all reporting corrected.

Company response to consumer: Closed with explanation