vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
I am writing to demand the immediate deletion of fraudulent accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under Section XXXX U.S.C. XXXX, as I have submitted a valid identity theft claim. 
Accounts involved in the identity theft : XXXX Bank XXXX XXXX XXXX XXXX XXXX  XXXX Card XXXX XXXX XXXX XXXX XXXX Both accounts have been reported as XXXX XXXX despite being clearly associated with fraud and identity theft. According to XXXX U.S.C. XXXX ( a ), credit bureaus are required to block disputed information identified as resulting from identity theft within XXXX ( XXXX ) business days after receiving a valid identity theft report. 
Attached to this letter is a copy of my official identity theft report filed with the Federal Trade Commission ( FTC ), which includes FTC Report Number XXXX. This report serves as legal documentation under XXXX U.S.C. XXXX and should be used as the basis for blocking the fraudulent accounts listed above. Please ensure this report is reviewed and processed within the timeframe mandated by law. 

Legal Basis for My Request : XXXX U.S.C. XXXX ( a ) : Requires credit bureaus to block information that the consumer identifies as resulting from identity theft when a police report or sworn affidavit is submitted. This obligation is automatic and must be fulfilled within XXXX business days. 
XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) : Requires you to verify the validity of any account through the physical verification of the original signed contract. If no such contract exists, the information is considered unverifiable. 
XXXX U.S.C. XXXX ( a ) ( XXXX ) : If the information can not be verified within a reasonable time, it must be deleted from the credit report. I request a detailed description of the procedures used in the supposed investigation already conducted. 
XXXX U.S.C. XXXX ( TILA ) : All creditors are obligated to provide truthful, clear, and understandable information about any credit obligation. The inclusion of fraudulent accounts represents a direct violation of these principles. 
XXXX U.S.C. XXXX : Prohibits the use of credit reports without a permissible purpose. Reporting false or fraudulent information constitutes a violation of this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, JPMorgan Chase closed my merchant account ( Merchant ID XXXX ) without providing any explanation. At the same time, they froze my linked business checking account ending in XXXX, which is used for merchant settlements. 

They are withholding {$10000.00} already in the account plus {$930.00} from recent transactions that have not yet been deposited a total of {$11000.00}. 

To my knowledge, there have been no chargebacks, disputes, or unusual activity. Chase stated the funds will be held for at least XXXX months per the agreement, but they have not cited the specific agreement section or provided any written reason for the prolonged hold. 

This freeze is causing immediate hardship because I need these funds to pay employees, cover rent, and handle essential business expenses. I am requesting the immediate release of these funds, or at least the portion not reasonably needed to cover any possible future disputes, along with a written explanation of the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not authorize this inquiry, nor did I have any communication with that lender on the stated date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MI

Complaint narrative:
In XX/XX/XXXX, I received a letter from the Department of Education that I had been approved for a XXXX 's Defense Discharge from XXXX University, which is now called the University XXXX Arizona XXXX XXXX. The XXXX loans to be XXXX total {$78000.00}. The loans were XXXX in XX/XX/XXXX and they show that I am to be refunded {$1000.00}. When I spoke with a representative on XX/XX/XXXX, he stated that I would be getting the refunded amount. I still have not received the refund of XX/XX/XXXX. My credit reports are reporting the amount of {$78000.00} as of today. Experian, Equifax, and TransUnion will not change the inaccurate information.

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 2025-08-14 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: MI

Complaint narrative:
In XX/XX/XXXX, I received a letter from the Department of Education that I had been approved for a XXXX 's Defense Discharge from XXXX University, which is now called the University XXXX Arizona XXXX XXXX. The XXXX loans to be XXXX total {$78000.00}. The loans were XXXX in XX/XX/XXXX and they show that I am to be refunded {$1000.00}. When I spoke with a representative on XX/XX/XXXX, he stated that I would be getting the refunded amount. I still have not received the refund of XX/XX/XXXX. My credit reports are reporting the amount of {$78000.00} as of today. Experian, Equifax, and TransUnion will not change the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MI

Complaint narrative:
In XX/XX/XXXX, I received a letter from the Department of Education that I had been approved for a XXXX 's Defense Discharge from XXXX University, which is now called the University XXXX Arizona XXXX XXXX. The XXXX loans to be XXXX total {$78000.00}. The loans were XXXX in XX/XX/XXXX and they show that I am to be refunded {$1000.00}. When I spoke with a representative on XX/XX/XXXX, he stated that I would be getting the refunded amount. I still have not received the refund of XX/XX/XXXX. My credit reports are reporting the amount of {$78000.00} as of today. Experian, Equifax, and TransUnion will not change the inaccurate information.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NV

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 explanation
Consumer complaint received 2025-08-14 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C. 
XXXX ) that you, the Equifax 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 : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX BANK XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX  BNK - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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, XXXX as proof from the XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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 writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-14 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: CT

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I am submitting this formal complaint against Aargon Agency , Inc. a third-party debt collection agency, for attempting to collect on a debt that has already been charged off, sold, and subsequently paid to another collection entity.

The amount in question, {$1000.00}, was associated with a charged-off account that was previously settled. Aargon Agency , Inc. is now attempting to collect again, despite the debt being paid and discharged with another party. Furthermore, the debt appears under an inaccurate address, further indicating a potential mismatch or misreporting of identity or location.

This collection action raises concerns of : Duplicate collection on an already resolved debt Failure to validate the debt upon request Potential violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Possible violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, due to inaccurate or misleading credit reporting I have requested that Aargon Agency , Inc. provide full verification and a chain of title confirming their legal right to collect on this debt. As of this filing, no validation has been provided. They continue to pursue collection efforts and have possibly reported this debt to credit bureaus without appropriate documentation.

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 2025-08-14 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: NV

Complaint narrative:
I am writing to formally dispute XXXX or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-14 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: FL

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration regarding the numerous errors on my credit report. I can no longer ignore these inaccuracies, as they have been severely impacting my life and credit score, preventing me from achieving financial freedom and stability.

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 2025-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
In XXXX of XXXX we applied for and got a mortgage in the amount of {$85000.00}. Well after XXXX payment, our outstanding loan balance is still {$76000.00}. we have never missed a payment or been late making a payment. Roughly in XXXX of XXXX I contacted our mortgage company and asked them why so little is being paid on the principal? They said that it may pick up at a later date. I told them that the balance of this loan would Not be paid off in another XXXX years with only about XXXX dollars going towards principal per year. I SPECIFICALLY and DIRECTLY asked them if in XXXX when this mortgage is supposed to be paid off, what happens? They told me that we are done paying. I again told them that this principal amount will Not be paid off at that time. Again they told me that we are done paying. Well by me looking at an amortization schedule our outstanding balance should be approximately {$23000.00} less than what is shown on our statement. Also roughly {$280.00} should be going towards our principal at this time instead of {$55.00} each 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 explanation
Consumer complaint received 2025-08-14 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: NC

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 2025-08-14 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: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX USC XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

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 response to consumer: Closed with explanation