vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: MD

Complaint narrative:
I am a victim of XXXX  XXXX  of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MI

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 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
I am filing this complaint against Argon Collection Agency regarding an invalid debt collection attempt. I paid the original debt of {$120.00} directly to XXXX on XXXX XXXX XXXX through their online portal. Despite providing Argon with proof of payment, they have continued to pursue collection. They have falsely claimed that XXXX has no record of the payment, which is untrue. This constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), particularly Section 807 regarding false representation, and possibly the Fair Credit Reporting Act ( FCRA ) if they report or have reported the account to credit bureaus. 

I have requested that Argon cease collection activity, close the account, and confirm in writing that this account will not be reported to any credit reporting agencies. I was also hung up on during an attempt to resolve the matter by phone, further demonstrating a lack of professional communication.

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 2025-05-07 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: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Wake Field is trying to collect a debt for the same amount twice for {$1800.00} and {$1800.00} for Medical  debt Date XX/XX/year>. The law has passed for Medical debts should not be reported on credit reports. This need to be removed immediately! 

This company needs to provide me with proof from the original debt holder for the {$1800.00} x 2 that they are trying to collect. 

Thank for your understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I am reaching out for your help to review accounts from companies inaccurately reporting late payments. After checking my credit report, I found that some accounts are wrongly marked as late. These accounts should not carry any late payment remarks. Please correct this by removing the late remarks and updating the accounts to show positive standing as agreed.

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 2025-05-07 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: NE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-05-08 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: SC

Complaint narrative:
To : XXXX  | XXXX. XXXX XXXX| XXXX, TX XXXX XXXX  | XXXX. XXXX  XXXX| XXXX, GA XXXX TransUnion | XXXX. XXXX XXXX  | XXXX, PA XXXX Subject : Cease and Desist Unauthorized Hard Inquiries To Whom It May Concern : XXXX XXXX XXXX This letter serves as a formal Cease and Desist demand regarding one or more unauthorized hard inquiries appearing on my credit file maintained by your bureau. I did not authorize these inquiries, nor did I initiate any applications for credit related to them. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), a hard inquiry may only be made with the explicit authorization of the consumer. Additionally, under South Caroli

na Consumer Protection Code 37-5-108, credit reporting agencies are required to ensure that all entries in a credit file are accurate and substantiated. I demand the following : 1. Immediate remo
val of all hard inquiries that were not expressly authorized by me. 
2. Written confirmation that these unauthorized inquiries have been deleted from my credit file.

3. An investigation under your FCRA obligations, with results provided to me in writing within 30 days. 

You are further advised that failure to comply with this notice will result in formal complaints being filed with : The Federal Trade Commission ( FTC ) The Consumer Financial Protection Bureau ( CFPB ) The South Carolina Department of Consumer Affairs Legal action under civil arbitration or state and federal consumer protection laws Please find enclosed a copy of my ID, proof of residence, and a copy of my credit report with the disputed inquiries highlighted. 

I expect full resolution of this matter within 30 days of receipt of this letter. 

Sincerely, 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint Type : Failure to Block Fraudulent Information Identified as Resulting from Identity Theft Summary of Complaint : I am filing this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which requires credit reporting agencies to block identity theft-related information within four business days of receiving a valid identity theft report.

On multiple occasions, I informed Equifax in writing that the following accounts on my credit report were the result of identity theft. I submitted a valid FTC Identity Theft Report ( FTC # XXXX ), along with a copy of my government-issued ID and Social Security card , as required by law. 
Despite this, Equifax failed to block or remove the following fraudulent accounts, which continue to damage my credit and prevent me from obtaining essential housing for my children : 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 Additionally, unauthorized hard inquiries remain on my Equifax report , even after proper notice and documentation XXXX XXXX XXXX Despite more than 60 days having passed, I have not received any proof of a proper reinvestigation or the required block. My repeated follow-up communications have been ignored or responded to with generic notices stating the accounts are " verified as accurate, '' without any documentation. 
Legal Violations Involved : 1. FCRA 1681c-2 ( a ) ( 1 ) : Failure to block fraudulent information identified by the consumer within 4 business days after receiving an identity theft report.

2. FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation upon dispute.

3. FCRA 1681c-2 ( c ) : Failure to maintain the block for one year, with option for consumer to extend.

4. Dodd-Frank Act UDAAP Violation ( 12 U.S.C. 5531 ) : Continuing to report known fraudulent accounts is an abusive and unfair practice.

5. Failure to provide documentation : Equifax did not supply contracts or proof verifying that these accounts belong to me, despite multiple written requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Regions in XXXX Mississippi. 
I have open a CD on XX/XX/year>. Which has {$50000.00} in it. Employee stole my money.

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 2025-05-07 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: MI

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$800.00} XXXX  XXXX - Opened XX/XX/XXXX With a balance of {$260.00} XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$640.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
CREDIT COLLECTION REPORTED ON MY CREDIT REPORT. THIS ACCOUNT IS NOT MINE. I HAVE DISPUTED THIS ITEM SINCE XX/XX/year> WITH NO RESOLUTION.

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 2025-05-07 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: WV

Complaint narrative:
I have a Vanilla Visa Gift Card and I can go online and check the balance, which is {$50.00}, but it shows this message : " Status : On hold - your card is unable to be used at this time. Please immediately call the customer service number at the back of your card. '' I called XXXX and after filling the card info got the message the number is invalid. I was redirected to the customer service attendant and they all instruct me to do the same. I tried four times on XX/XX/XXXX, spoke to a supervisor and he asked me to wait for 24h to try again. Today I did as instructed but still the same response from the system. I requested to speak to another supervisor and he told me he cant do anything to fix it. Told me to use another phone. I even asked to speak to the IT department, because it must be a failure in the system, but he refused to pass me to anyone else. I asked for a replacement for the card, but they say I need to have a receipt of the purchase. It was a Gift ( it's called Vanilla Gift card, is it not? ), so I do not have a receipt. I am stuck. I have a {$50.00} XXXX balance I can not access and a company that refuses to help me do it. 
Also, they failed to inform me where I could file a complaint, no email, no government agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing a XXXX credit card account that was charged off. The account was opened in XX/XX/XXXX, and the last payment was made on XX/XX/XXXX. Since there was no payment activity after that, the account became delinquent in XXXX. 

Under FCRA Section 605 ( a ), negative accounts like this can only remain on a credit report for 7 years from the original delinquency date, which would make this eligible to fall off by summer XXXX. However, Equifax continues to update this account with recent reported dates in XXXX, which makes the account look newer and hurts my credit score even though it is over 5 years old with no new activity. 

I disputed the account with Equifax, but they did not remove it or clarify why it is still being updated so frequently. This may be an example of illegal re-aging of the account. 

Im requesting that the CFPB review this situation and either ( 1 ) ensure the account is deleted early based on age, or ( 2 ) confirm that Equifax stops re-aging the file to make it appear more recent than it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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 reaching out for your help to review accounts from companies inaccurately reporting late payments. After checking my credit report, I found that some accounts are wrongly marked as late. These accounts should not carry any late payment remarks. Please correct this by removing the late remarks and updating the accounts to show positive standing as agreed.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am formally submitting this complaint and dispute regarding a charged-off account being reported by [ Name of Creditor/Collection Agency ] that continues to reflect an updated balance each month, despite its charged-off status. This is a clear violation of multiple federal consumer protection laws and has resulted in the ongoing, unlawful damage to my credit profile and financial integrity. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are being inaccurately reported on my credit profile. Despite submitting a formal debt validation request to the creditor several time resulting in not providing the requested information in addition to them not responding late, they have failed to respond as required by law. This is a clear violation of FDCPA 809 ( b ) and FCRA 611 ( a ), both of which mandate timely and full investigation and response to consumer disputes.

Continued Reporting Violations : The collection agency continues to report the account monthly as active and delinquent, even though it has been charged off. This constitutes furnishing knowingly false data, violating FCRA 623 ( a ) ( 1 ) ( A ). It also breaches 15 U.S. Code 1681s2 ( b ), which prohibits reporting unverifiable or outdated information after receiving notice of a dispute.

Pattern of Delay and Abuse : The company is engaging in willful noncompliance by ignoring the timeline for proper investigation, and has employed delay tactics to skirt federal obligations. These behaviors are also a violation of the Rosenthal Fair Debt Collection Practices Act ( California Civil Code 1788.17 ), which mirrors FDCPA protections in California and strengthens consumer rights.

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