vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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:
I am writing to formally dispute the validity of a collection account currently being reported by your agency, Aargon, on my credit report. Upon reviewing my credit report in preparation for purchasing a home, I was surprised to find this collection account. In XX/XX/XXXX, the XXXX major credit reporting agencies enacted new policies regarding medical debt reporting. Under these changes, no medical collection under {$500.00} may be reported, and for debts exceeding this threshold, a minimum of one year must pass from the time of delinquency before they are eligible to appear on a consumer credit report. According to my credit report, Aargon. received this collection in their office. collection was added to my credit report before the full year expired, as evidenced by the screenshot indicating it was on my XX/XX/XXXX bureau reports. Furthermore, as of XX/XX/XXXX, the Consumer Financial Protection Bureau finalized changes to Regulation V. These updates explicitly prohibit consumer reporting agencies from including medical debt information on credit reports or factoring it into credit scores provided to lenders. This collection is in violation of Regulation V and should be deleted from all 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 explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-08-21 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: FL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I transferred {$60.00} to another account ( XXXX XXXX ). Capital One accidentally charged me twice for that transaction. On XX/XX/year>, I contacted Capital One to alert them of the situation. They promptly issued a {$60.00} provisional refund. They also contacted XXXX XXXX to dispute the transaction with them. XXXX XXXX, according to their policy, promptly returned the money to Capital One. At this point, I'm out {$60.00}. I have sent screenshots of all transactions to demonstrate what I'm talking about. However, all I've been getting is delay after delay. I've been told that the provisional refund was issued while the " investigation '' was being done. However, that's not possible. My provisional refund was issued prior to the bank asking for the money back from XXXX XXXX. When I contacted them today, the supervisor said that I had to agree with a list of things she mentioned. I informed her that I had never been told or informed of that prior to today ( XX/XX/year> ). Her response is that there was nothing else she could do. Requests to escalate the situation to a higher level employee were verbally denied. 

I only request that my money ( {$60.00} ) be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PatientFi, Inc.
State: CA

Complaint narrative:
I signed up for XXXX XXXX at XXXX during a promotion. They encouraged me to finance through PatientFi, assuring me there would be no interest for 18 months. I was shown a screen that recommended how much I should pay each month to have the balance paid off within that timeframe. 

Later, I added an additional service and was told it would simply be added to the original loan. Instead, a second loan was opened in my name without clear disclosure, and my payments were split between the XXXX. As a result, XXXX loan was not paid off in time, and all interest accrued during the XXXXmonth period was retroactively added. 

I only realized something was wrong when, a month later, automatic payments were still being withdrawn. I immediately contacted PatientFi, XXXX, and XXXX. XXXX admitted there was a misunderstanding and apologized, but said there was nothing they could do and directed me to PatientFi. However, when I followed up with XXXX later, staff were extremely rude and unhelpful, again insisting there was nothing they could do. 

I filed XXXX disputes with PatientFi, providing a detailed XXXX  explaining the situation, but both were denied. XXXX and PatientFi told me I should pursue resolution with XXXX since they failed to verbally disclose the second loan and the need to adjust my autopayments. Instead, I was misled into believing my payments were sufficient to fully pay off the balance. XXXX  staff were very pushy about obtaining financing and repeatedly assured me that, with the payments I was making, I had nothing to worry about. 

After doing further research, I discovered I am not the only person this has happened to. I came across a XXXX thread where multiple people described similar experiences with XXXX and PatientFi. I want to make you aware of this because it highlights a larger issue. Employees are not adequately disclosing loan structures or payment responsibilities, and customers are being misled. This needs to be addressed through training and compliance to prevent more people from being harmed the same way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
I am filing this complaint due to unauthorized inquiries persisting on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). This is my second request, as the credit bureau has failed to take adequate action after my initial claim, sent on [ XXXX, XXXX XXXX ]. The involved creditors confirmed that they do not possess written authorization or a permissible purpose for these inquiries. '' Unauthorized Inquiries : List the inquiries you continue to dispute : - XXXX XX/XX/XXXX FCRA Violations and Relevant Case Law : " These unauthorized inquiries violate several provisions of the FCRA and relevant case law, as follows : 15 U.S.C. 1681b ( Section 604 ) - These inquiries do not meet permissible purposes for accessing my credit report as established in XXXX XXXX XXXX XXXX XXXX. 
15 U.S.C. 1681i ( a ) ( 5 ) ( Section 611 ) - The FCRA requires deletion of unverifiable information, in accordance with XXXX XXXX XXXX, XXXX. 
15 U.S.C. 1681s-2 ( Section 623 ) - Information providers must ensure reporting accuracy, as underscored in XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX '' Verification and Documentation Requests : " I specifically requested manual verification of these inquiries and any original documents justifying their presence on my report. However, I have only received generic responses, with no detailed explanation of the verification method, which violates 15 U.S.C. 1681i ( 7 ). I also requested deletion under identity theft protections ( 15 U.S.C. 1681c-1 ), as these inquiries pose a potential fraud risk. ''

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 2025-08-21 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:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I am reporting identity theft involving multiple fraudulent accounts reported by early warning services that do not belong to me. The following accounts were opened or altered without my knowledge or authorization : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX. I never applied for or used these accounts ; they are the result of identity theft. 

Under the fair credit reporting act. ( FCRA ) section 605B ( 15 U.S.C. 1681c-2 ), I am requesting that these fraudulent accounts be blocked and permanently removed from my consumer report within 4 business days of your receipt of this identity theft report and supporting documents, as required by law. please provide written confirmation and an updated copy of my consumer file once the accounts are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} 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 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FMS Inc.
State: NV

Complaint narrative:
I have been receiving repeated collection calls from FMS Inc . I previously informed FMS over the phone that, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I was revoking consent to be contacted by phone and instructed them to cease all further calls. After I cited this law, FMS stopped calling for a period of time.

However, FMS has recently resumed making collection calls to me, despite my clear directive. Under the FDCPA, once a consumer notifies a collector ( verbally or in writing ) to cease communication, the collector may only contact the consumer to confirm they will stop or to provide notice of specific legal action. Any additional calls are considered harassment and unlawful communication. 

FMSs repeated calls after my cease communication request place them in direct violation of the FDCPA. I am requesting CFPB investigation and enforcement to stop these unlawful calls. I am maintaining a call log and evidence of ongoing contact attempts.

Company response to consumer: Closed with explanation