vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
am submitting this complaint regarding a collection account reported by [ Aargon collection Agency ] on my credit report. The original creditor is XXXX XXXX XXXX. 

I have obtained billing history from XXXX XXXX XXXX which clearly shows the first date of delinquency ( FDOD ) as XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), negative accounts are only allowed to be reported for seven years from the FDOD. 

Despite this, [ XXXX collection is reported this account to the credit bureaus in XX/XX/XXXX, and the credit reports list a removal date of XXXX, which is well beyond the XXXX-year limit. This indicates the account has been re-aged, a violation of FCRA Section 605 ( a ).

I disputed this with the credit bureaus, but the item was marked as verified without addressing the incorrect FDOD. I also contacted the collection agency directly and have not received a correction.

I am requesting the CFPBs assistance to : 1. Investigate the improper re-aging of this account.

2. Enforce removal or correction of the reporting so that it reflects the accurate 7-year window from the XX/XX/XXXX FDOD. 
3. Ensure the credit bureaus and data

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 2025-07-08 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 any 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 seven 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 of 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 2025-07-08 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: LA

Complaint narrative:
I am submitting this identity theft report under the Fair Credit Reporting Act, Section 615 ( f ), 15 U.S.C. 1681g ( f ) and 1681c-2. I recently reviewed my credit report and noticed multiple hard inquiries that I did not authorize, apply for, or consent to. 

The following hard inquiries appear to have been made without my knowledge or permission : XXXX. Company : XXXX XXXX  XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Date of Inquiry : XX/XX/XXXX XXXX. Company : XXXX XXXX - XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Date of Inquiry : XX/XX/XXXX XXXX. Company : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Date of Inquiry : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

1681c-2 ) that you, the Experian Credit Services , block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX  Date : XX/XX/year>

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 2025-07-08 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: KY

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. 

FRAUDULENT ACCOUNTS : Account Name : 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 2025-07-08 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: FL

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$00.00}

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 2025-07-08 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: WA

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

1681c-2 ) that you, the Equifax Information Services , block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$900.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/year>, I was charged {$910.00} by XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX and a XXXX rail pass. This charge was the result of a genuine error an unintentional duplicate booking. My wife completed the same purchase just minutes later under her name, and we decided to keep her version instead. I contacted XXXX the same day to request a cancellation and refund, but they declinedeven though the passes were for a future date and remained completely unused. 

I filed a dispute with Citi and submitted a detailed packet that included : The completed dispute response form Booking confirmations from both my account and my wifes Screenshots of my chat with XXXX  support on the day of the booking Proof that none of the vouchers were scanned, activated, or used Despite providing this evidence, Citi closed the case on XX/XX/year>, ruling in favor of the merchant. XXXX falsely claimed I never contacted them, which is simply untrue. I proactively reached out to cancel on XX/XX/XXXX and provided full documentation to support this. XXXX policy of no refund was enforced despite them knowing the tickets were unused and the request was made in good faith within hours of purchase. 

This charge was for services I never received, and the dispute resolution process did not take into account the facts and documents I submitted. Im seeking CFPBs help to ensure this situation is reviewed fairly.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I mailed a combination of debt validation requests and dispute letters ( see attached documents ), using USPS, to the below creditors/collectors and have not received a response from any of them. 

XXXX. XXXX XXXX XXXX debt validation request regarding a XXXX XXXX account. I paid {$100.00} in XXXX of XXXX as a pay for deletion but I don't remember who I spoke with or what the confirmation # was. 

XXXX. XXXX XXXX XXXX debt validation request regarding a XXXX  XXXX account. I paid {$100.00} in XXXX of XXXX as a pay for deletion. I spoke with XXXX and the confirmation # is XXXX. 

XXXX. Comenity Bank dispute letter regarding a XXXX account. I paid {$260.00} in XXXX of XXXX as a pay for deletion. I don't remember who I spoke with but the confirmation # is XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  dispute letter. I paid {$540.00} in XXXX of XXXX as a pay for deletion. I spoke with XXXX and the confirmation # is XXXX. 

XXXX. XXXX XXXX dispute letter regarding a XXXX XXXX account. I paid {$79.00} in XXXX of XXXX as a pay for deletion. I spoke with XXXX and the confirmation # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX I am writing to formally raise a complaint regarding my savings account with Citi Bank, account number [ Your Account Number ]. I recently discovered that my account has been classified as inactive, with a current balance of {$270.00}. However, I am not sure when the account became inactive, as I was never informed of the specific inactivity period that would trigger this status. 

Despite the inactive status, I have been charged monthly service fees without prior notification or explanation. This is particularly concerning since this account is meant to serve as an emergency fund, and I am currently unable to withdraw money when I urgently need to. 

Additionally, I am extremely frustrated by the requirement to send a written request by certified mail to reactivate my account. This process imposes unnecessary expenses on me, including the cost of certified mail, purchasing paper, and envelopesitems I do not readily have and must spend money on just to access my own funds. This is an unreasonable and burdensome barrier, especially given the urgent nature of accessing my savings. 

It is unacceptable that Citi Bank would impose fees and restrict access to my funds without clear communication or notification, and then require costly and inconvenient steps to regain access. 

I request the following actions be taken immediately : A full explanation of the inactivity policy, including the specific time frame and related fees. 
Immediate reversal of all service fees charged during the period my account was inactive. 
Prompt reactivation of my savings account to allow immediate access to the {$270.00} currently in the account. 
Clear instructions on how to avoid future inactivity and fees, with accessible and reasonable reactivation procedures. 
Implementation of better communication practices to inform customers about important account status changes. 

Please treat this matter with urgency. I expect a written response within 14 business days addressing my concerns and outlining the steps Citi Bank will take to resolve this issue. 

If I do not receive a satisfactory response, I will consider escalating this matter to banking regulatory authorities and seeking legal advice. 

Thank you for your prompt attention to this important matter. 

Sincerely, 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their 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 2025-07-08 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX am I called Wells Fargo XXXX XXXX and reported the following : XX/XX/XXXX XXXX to XXXX XXXX on XX/XX/XXXX for XXXX in my savings account XX/XX/XXXX XXXX to XXXX XXXX on XX/XX/XXXX for XXXX in my savings account XX/XX/XXXX XXXX to XXXX XXXX on XX/XX/XXXX for XXXX in my checking account XX/XX/XXXX XXXX to XXXX XXXX on XX/XX/XXXX for XXXX in my checking account The fraud department asked if I gave my log in information to anyone ( no ). The asked if anyone else had access to my XXXX or my phone ( no ). They also asked if I was contacted on line or by phone from anyone. ( no ) On XX/XX/XXXX, I got a letter which states that the transfers were not fraud and authorized by me. I was not able to send a copy of the letter due to the XXXX limit. 

XXXX XXXX XXXX XXXX XXXX claims XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Claim no. XXXX XXXX to those XXXX transactions coming out of my accounts, I had only used XXXX for once a month to send my 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 2025-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recently I received a letter my XXXX was being garnished from a student loan, from XX/XX/year> This is XXXX yrs ago I looked at website, never took a loan, addresses are wrong, any info they sent I never received, XXXX yrs later, XXXX ive heard of this. Never on credit report, the loan holder was not existing then XXXXXXXX XXXX  I requested proof, signature, promissory note. 
A pkg came from XXXXXXXX XXXX XXXX XXXX, nothing with proof, signed, XXXX  address, .How can they garnish. Wages when there's no contract. 
I've called servers everyday for XXXX wks no response Loan Period Begin XXXX Loan Period End XXXX XXXX being scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MA

Complaint narrative:
This letter is a formal follow-up regarding previously disputed items on my credit report. I am demanding immediate action and removal of the following inaccurate and unverifiable accounts that remain on my file.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: WI

Complaint narrative:
My student loans have showed up as 90 days past due ( delinquent ) on my credit report. This greatly affected my score. I started back school XX/XX/year>. At this point my loans may have been 30 days past due at this point. So I filed a deferment request with my loan servicer at the time ( neltnet ) and they never processed the request. I called them and they stated they had no records of the request but I have an email stating that I did. Therefore, my status was showing out of school and not in deferment. I have contacted the university I am enrolled in and they have manually processed my in school deferment form. I filed a dispute with Transunion and they found nothing inaccurate. I dont understand that verdict because I am literally enrolled in school and have been since the 90 day delinquent mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTION ASSOCIATES, LTD.
State: AL

Complaint narrative:
I am writing to formally dispute the unauthorized access and/or use of my consumer credit report in violation of theFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. This section clearly outlines the specific circumstances under which a consumer reporting agency may furnish a consumer report, and it requires that the requester have apermissible purposeas defined by law. 
Upon reviewing my credit report obtained from XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C. 1681b ( a ), a consumer report may only be furnished for limited purposes, such as in connection with credit transactions, employment, insurance underwriting, or legitimate business needs initiated by the consumer. I believe these collections was madewithout a permissible purpose, and therefore, constitutes a violation of the FCRA.

Company response to consumer: Closed with explanation