vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Experian credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If Experian can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-09-05 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I filed an identity theft report against XXXX XXXX bank back in 2022 they a opened a unauthorized account that I didn't apply for I keep disputed letting them know I didn't authorize this and that it's effecting my credit score and there saying there's no fraud involve and im not the only XXXX involved these a lawsuit XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: PA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-05 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I recently disputed the inaccuracies on my credit report and was constantly being ignored. 15 U.S.C. XXXX is the foundational section of the Fair Credit Reporting Act ( FCRA ), which outlines XXXX XXXX  findings and purpose for regulating consumer reporting agencies. It establishes that consumer reporting agencies must use reasonable procedures to collect, maintain, and disclose consumer information in a way that is fair, equitable, accurate, and respectful of privacy to meet the needs of commerce in areas like credit, insurance, and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> Re : Formal Notice of Dispute Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ) Account No : XXXX Bank of america XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Whom It May Concern, This letter serves as a formal dispute and demand for immediate correction or deletion of inaccurate and damaging information that you are furnishing to the consumer reporting agencies concerning the above-referenced account. 

Pursuant to 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), furnishers of information have a legal duty not to report information that they know, or should know, is inaccurate. Furthermore, under 15 U.S.C. XXXX ( b ), once a consumer disputes information, you are required to conduct a reasonable investigation, review all relevant evidence, and correct or delete any information found to be inaccurate or unverifiable. 

The information you are reporting is false, misleading, and incomplete. This constitutes a violation of federal law. Your failure to ensure maximum possible accuracy has caused and continues to cause harm to my creditworthiness. 

Sincerely XXXX 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 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Ive tried to talk to plenty of people about the situation and instead of actually listening to me and trying to understand everyones just making accusations and accusing me, but it was an act of fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
this parent plus loan was in 2016 when my Daughter attend XXXX University. I am parent plus borrower of a federal PARENT PLUS LOAN ORGINALLY SERVICED BY GREAT LAKES, WITHOUT CLEAR NOTICE OR CONSENT, MY LOAN WAS TRANSFERRED TO NELNET.I DID NOT AUTHORISE THIS CHANGE, WAS NOT INFORMED IN ADVANCE, AND HAVE EXPEIENCE AND DISRUPTION IN ACCESSING MY ACCOUNT, I AM REQUESTING A FULL ACCOUNT HISTORY, PROOF TRANSFER NOTIFICATION, AND ASSURANCE THAT MY RIGHTS AS A BORROWER HAVE NOT BEEN VIOLATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$390.00} UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
On Friday XX/XX/XXXX, 2025 I was requested to verify a closed and paid account with a student loan company. I was told that I would have to do this through a XXXX way call initiated by XXXX. I participated in the call between XXXX and XXXX and then XXXX  call NFCU to report the findings. NFCU said that was not enough. They requested that XXXX then send the information in wiritng, which XXXX did. On today XX/XX/XXXX I was told that was not enough. They can see that I owe a XXXX balance and that I never was late and paid as required, now they want to know what was the source of money that paid the balance. The loan was forgiven, however, in perfect standing being paid as requested prior to forgiveness. All credit reporting agencies report that I have a XXXX balance and that I have no due payments. NFCU stated that now it has to say that it was forgiven and when. AT first they only wanted to know the balance and date of XXXX balance. The loan was approved with NFCU thought that I owed over XXXX on the student loan and now that I owe nothing, they want to know how. This is in line with the unfair practices that they have been accused of by other XXXX females. I earn well over XXXX figures and am able to pay to loan, my home is work XXXX  times as much as what i have requested on my heloc and from a financial stand point there appears to be no reason for underwriting to continue to delay with frivilous requests. This has now gone on for XXXX weeks and they always wait to inform me on Friday afternoon, to ensure that there will be delays over the weekend. These delays are delaying my construction plans and will soon cost me more money than will be worth. I believe that instead of deniying the loan they are now tryin to give me the run around to make me back out of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
I filed an identity theft report against XXXX XXXX bank back in 2022 they a opened a unauthorized account that I didn't apply for I keep disputed letting them know I didn't authorize this and that it's effecting my credit score and there saying there's no fraud involve and im not the only XXXX involved these a lawsuit XXXX XXXX XXXX XXXX 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 2025-09-05 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: GA

Complaint narrative:
I filed an identity theft report against XXXX XXXX bank back in 2022 they a opened a unauthorized account that I didn't apply for I keep disputed letting them know I didn't authorize this and that it's effecting my credit score and there saying there's no fraud involve and im not the only XXXX involved these a lawsuit XXXX XXXX XXXX Company 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 non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
What happened : Aargon Agency Inc is reporting a collection account on my credit report related to XXXX XXXX, with a balance of {$560.00}. The account is reported as : Opened : XXXX XXXX XXXX Status : Collection Status Updated : XXXX XXXX XXXX Balance : {$560.00} past due as of XXXX XXXX Terms : 1 Month Responsibility : Individual Comments : Account information disputed by consumer I dispute the accuracy and completeness of this reporting for the following reasons : 1. Incomplete information The Company Sold field is blank, leaving the chain of ownership unclear. FCRA requires complete and accurate reporting of account transfers.

2. Misleading account terms Reporting the account as 1 Month is inaccurate and misleading. Medical bills or collection accounts do not have loan terms like an installment account ; labeling it this way mischaracterizes the account type.

3. Responsibility inaccuracy The account is reported as Individual. If there were insurance payments, adjustments, or shared responsibility, this reporting misrepresents the actual liability. 
4. Balance accuracy The account shows {$560.00} as both the original balance and past-due balance. If any payments, insurance adjustments, or credits were applied, the balance is likely overstated.

5. Improper verification The account is flagged as Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ), but I have not received documentation verifying the debt, including itemized bills or proof of liability. Verifying the account without proper documentation may violate FCRA 1681s-2 ( b ).

6. Timing discrepancies The account was opened XXXX XXXX  and updated XXXX XXXX. If there were any insurance processing or billing disputes, reporting the full balance as past-due may be premature or inaccurate.

These inaccuracies and misrepresentations are damaging my credit and may be in violation of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-09-05 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: GA

Complaint narrative:
I reviewed my credit report and found that the account listed below is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) The account Include : Account name : XXXX, Account XXXX Account name : XXXX, Account XXXX Account name : XXXX XXXX, Account XXXX Account name : XXXX, Account XXXX Account name : XXXX XXXX, Account XXXX Account name : XXXXXXXX XXXX, Account XXXX Account name : XXXXXXXX XXXX, Account XXXX Account XXXX : XXXXXXXX XXXX, Account XXXX Account name : XXXXXXXX XXXX, Account XXXX Account name : XXXX, Account XXXX Account name : XXXXXXXX XXXX, Account XXXX XXXX Hard Inquiry Include : Name : XXXX Date : XX/XX/XXXX Name : XXXX  Date : XX/XX/XXXX Name : XXXX Date : XX/XX/XXXX Name : XXXX Date : XX/XX/XXXX The Incorrect Personal Details Include : Address : XXXX XXXX XXXX XXXX GA XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX GA XXXX XXXX : XX/XX/XXXX Name : XXXX XXXX XXXX, XXXX Name : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-05 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: FL

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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX : I was enrolled into this without any explicit knowledge. There was no explanation provided that I will be charged extra money every month and I was signed up for monthly autopay. 

This was a 0 % interest loan, and over the past XXXX months, I was charged XXXX} in addition to the XXXX XXXX monthly payment. It was only when I noticed the XXXX payments going out to synchrony bank that I realized that I was scammed into paying additional money every month.

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 monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is unfair, illegal, fraudulent, and inequitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

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