vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-12 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-12 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:
This account is not mine, I have no knowledge of this account, please delete per 15 USC 1681 a, b, s, n

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: KY

Complaint narrative:
This account is not mine, I have no knowledge of this account, please delete per 15 USC 1681 a, b, s, n

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 2025-05-12 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: SC

Complaint narrative:
XXXX XXXX has continually reported wrong information on my credit report. They state I opened an account on XX/XX/2023 with ca credit card and I notified them over 8 months ago that this was identify theft. I have asked them to stop reporting this to all credit bureaus, they report this inacuuate information 2 times a week to the credit bureaus. I have mailed them information that supports this is not my credit 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 explanation
Consumer complaint received 2025-05-12 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: SC

Complaint narrative:
XXXX XXXX has continually reported wrong information on my credit report. They state I opened an account on XX/XX/year> with ca credit card and I notified them over 8 months ago that this was identify theft. I have asked them to stop reporting this to all credit bureaus, they report this inacuuate information 2 times a week to the credit bureaus. I have mailed them information that supports this is not my credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I sent money from my bank to cash app to a individual that I wanted servicing from that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 if 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 2025-05-12 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: TX

Complaint narrative:
This CFPB complaint is filed pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), requesting that the TransUnion credit reporting agency block the following fraudulent accounts from my consumer credit report within XXXX business days : A collection account with XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX A collection account with XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX A retail credit account with XXXX XXXX  opened on XX/XX/XXXX A collection account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX These accounts were not opened by me, authorized by me, or initiated by me in any form. They are the result of identity theft and fraud. I have attached my consumer FICO credit report, which documents the fraudulent items, as well as the FTC Identity Theft Report XXXX  ( private case number ) to support this claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
Since I never opened these fraudulent accounts and was unaware of their existence, I demand that they be removed from my credit report. I'm asking them to be deleted within 15 days in accordance with USC 1681g. Relevant documents are enclosed as evidence.

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 2025-05-12 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: NY

Complaint narrative:
I am filing this formal dispute and complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding an account that has been paid in full and closed, yet it continues to appear on my credit report with inaccurate and misleading information.\n Account Details : - Creditor Name : ] - Credit Reporting Agencies : [ Equifax, Experian XXXX TransUnion ] - XXXX Paid in Full : [ CLOSED OR PAID XXXX XXXX ] - ] accounts below was settled and closed, and as such, reporting it as unpaid, active, or derogatory is a direct violation of my consumer rights under federal lawXXXX XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. - 1681i ( a ) Requires credit reporting agencies to investigate any disputed information within XXXX  days. - XXXX ( a ) ( XXXX ) ( A ) Furnishers of information must not report inaccurate or incomplete information. - XXXX ( a ) ( XXXX ) Prohibits reporting accounts older than XXXX  years from the date of first delinquency. - XXXX ( b ) Requires credit bureaus to maintain maximum possible accuracy. XXXX. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) - Debt collectors must cease collection and verify a debt when requested in writing. If no proper validation or proof of ownership is provided, they may not continue to report such debt. I am demanding that this account be : XXXX. Removed or corrected on all credit bureaus where it is inaccurately XXXX. Properly validated if the furnisher or collector insists it is accurate. Validation must include a signed agreement, a full payment ledger, and chain of custody or XXXX. Cease and desist from any further reporting if validation can not be provided under FDCPA 15 U.S.C. 1692g ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-12 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: NY

Complaint narrative:
I am filing this formal dispute and complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding an account that has been paid in full and closed, yet it continues to appear on my credit report with inaccurate and misleading information.\n Account Details : - Creditor Name : ] - Credit Reporting Agencies : [ Equifax, Experian XXXX TransUnion ] - XXXX Paid in Full : [ CLOSED OR PAID XXXX XXXX ] - ] accounts below was settled and closed, and as such, reporting it as unpaid, active, or derogatory is a direct violation of my consumer rights under federal lawXXXX XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. - 1681i ( a ) Requires credit reporting agencies to investigate any disputed information within XXXX  days. - XXXX ( a ) ( XXXX ) ( A ) Furnishers of information must not report inaccurate or incomplete information. - XXXX ( a ) ( XXXX ) Prohibits reporting accounts older than XXXX  years from the date of first delinquency. - XXXX ( b ) Requires credit bureaus to maintain maximum possible accuracy. XXXX. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) - Debt collectors must cease collection and verify a debt when requested in writing. If no proper validation or proof of ownership is provided, they may not continue to report such debt. I am demanding that this account be : XXXX. Removed or corrected on all credit bureaus where it is inaccurately XXXX. Properly validated if the furnisher or collector insists it is accurate. Validation must include a signed agreement, a full payment ledger, and chain of custody or XXXX. Cease and desist from any further reporting if validation can not be provided under FDCPA 15 U.S.C. 1692g ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
My husband and I have been dealing with XXXX for quite some time now and they are being completely unreasonable and discriminatory. I have been dealing with a serious injury that recently ( XX/XX/year> ) required XXXX. XXXX is refusing to understand that I can not legally make financial decisions or transfer power of attorney to my husband due to the post-op medications that I am on. We have tried to explain this to XXXX several times and they basically want us to foreclose on the house while I am physically limited to do anything. That is not right at all. 

Also, XXXX has opened up a loan modification process without our consent. We have mentioned that we never asked for a loan modification but they dont care or investigate who is doing this without our consent. We are now making payments as regular as we can and paying close {$400.00} extra from our regular mortgage payment. Why cant they just allow us to pay extra without altering the terms of our loan? XXXX been asking to do that but they dont help us at all. 

I lost my job a week after I put my XXXX in jail and we have done our level best to keep things going such a difficult time. I then lost my job due to discrimination and there is an active XXXX case about it. Now that I am employed and we are finally starting to catch up even with my physical challenges and the XXXX. We can not agree to any modifications for multiple reasons : Im not cleared by my surgeon to even return to work ( let alone make important financial decisions ) and we never consented to a loan modification. 

Also, I am repeatedly getting phone calls from XXXX where I cant talk to anyone and it is just a recorded message, basically harassing only me. My husband, XXXX XXXX, never receives those calls even after we informed them of my medical issues and requested that they not call me. 

Why cant we simply pay what weve been doing for the past few months? Basically our original mortgage payment was around {$950.00} a month and we have been sending XXXX XXXXXXXX over the past few months. That is what we want to do and need to do based on the XXXX that I have. We shouldnt be subjected to a loan modification that we never asked for or be threatened with foreclosure just because Im less than XXXX weeks out from a XXXX that has a XXXX month recovery time. We have offered to provide medical documentation to prove what is happening but they never even acknowledge that. 

Why cant I recover from XXXX in peace without the harassment and threats from XXXX? They are going to get another payment of {$1400.00} on Friday. We are doing our best but we need XXXX to stop threatening foreclosure because Im recovering from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute the accuracy of a collection account being reported by Aargon Agency Inc in the amount of {$430.00}, as last reported on XX/XX/year>. The account is still listed as open and assigned to your agency by an unidentified original creditor. 

While I acknowledge that I may have had an outstanding balance with a past service provider, the details being reported by Aargon Agency Inc are incomplete, unclear, and potentially inaccurate, for the following reasons : 1. The original creditor is not named, making it impossible for me to verify the legitimacy of the debt. 
2. The balance has remained unchanged and does not reflect any resolution efforts or correspondence. 
3. No documentation has been provided to validate the debt or prove that Aargon Agency Inc has a legal right to collect it.

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 2025-05-12 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: NY

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX # XXXX -- - Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I never heard of the company and I asked them to remove the inquiry from my report because it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: OneMain Finance Corporation
State: AL

Complaint narrative:
I never heard of the company and I asked them to remove the inquiry from my report because it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I have tried to settle with this company several times about late fees late fee started back in XXXX, which they helped with extensions and move payments still in the loan, which is fine but then I will get caught up and later my truck transmission went out and I had to go to pocket {$7000.00} and Ive been paying what I can on the vehicle loan but these late fees are adding up and they have not help me resolve this issue. I have asked several times to get late fees removed and I can start getting caught up on this Loan and now the Loan is such a big behind and theyre not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SG and Associates
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under XXXX XXXX section XXXX o XXXX states have the right to privacy ( XXXX XXXX XXXX ( section XXXX XXXX XXXX a section XXXX ( it also states a consumer reporting agency can not furnish an account without my written instructions under XXXX USCS XXXX a creditor may not treat a payment on a credit card account under an open end consumer credit any purpose I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report.

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 2025-05-12 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: IN

Complaint narrative:
With the files i attached down below will be all the inquiries i would like to be removed i attached it down below so you can see each inquiry with the date. I appreciate your help Im just trying to get these removed because these are the only thing holding me back from getting approved for my house

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
In XXXX, I made an XXXX purchase for medical equipment while recovering from a XXXX XXXX XXXX. I used Affirm for the payment and later fell behind. Affirm charged off the account and stated they no longer accept payment. They transferred the debt first to XXXX XXXX XXXX and then to XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX confirmed in writing that they have ceased collection on the account. Despite this, Affirm continues to report the account monthly to XXXX  as a charge-off with a balance due, even though no party is collecting, and no payments are being accepted. 

This violates the Fair Credit Reporting Act ( FCRA ) 1681s-2, which requires furnishers to report accurate and complete information. Continued monthly balance reporting on a charged-off account that has been transferred and is no longer being collected is inaccurate and misleading. According to XXXX XXXX credit reporting standards, this account should reflect a {$0.00} balance and show sold/closed, not ongoing delinquency. 

I have disputed the reporting with XXXX  multiple times, but they continue to verify the account based on Affirms ongoing updates. I can not pay Affirm, and no other party is collecting, yet I am penalized every month on my credit. Im requesting the CFPB to investigate this matter and require correction or deletion of the inaccurate tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
This is my XXXX  formal request to address and resolve the inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-05-12 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 recently reviewed a copy of my credit report and noticed. I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with explanation