vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: IN

Complaint narrative:
I am filing a report for identity theft regarding a fraudulent XXXX account. A credit inquiry has appeared on my credit report in the amount of {$450.00} on XX/XX/2024 by AARGON AGENCY INC. This account was not opened by me, nor do I have any knowledge of it. 
Although I currently reside in Indiana, this fraudulent activity occurred in XXXX, Illinois. I have already filed an online identity theft report regarding this XXXX charge and have also notified the three major credit bureaus of the matter. I reported this to them multiple times as well as I have filed a police report and they still have not taken it off when it suppose to been took off. I respectfully request that this report be documented as part of the ongoing investigation into the theft of my identity. I want this inquiry deleted because I have no knowledge of this account it's fraudulent.

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 2025-09-18 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: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
CFPB Complaint Inaccurate Late Payments Issue : Inaccurate reporting of late payments on my credit reports I am filing this complaint because my creditors are inaccurately reporting late payments on my credit reports across all three major credit bureaus. These late payments are false and remain on my reports despite multiple disputes. 
I have formally disputed these items directly with the credit bureaus and the creditors, but the late payments remain without proper validation or supporting documentation. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), creditors are required to report accurate information. Likewise, under 15 U.S.C. 1681i, the credit bureaus must conduct a reasonable investigation within 30 days of a dispute. 

Accounts in question ( as listed on my credit reports ) : Lockhart Morris & Montgo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also concerned about recent data breaches involving the credit bureaus, which could contribute to inaccurate reporting. Regardless, the bureaus are required under the Fair Credit Reporting Act to investigate and remove unverifiable information promptly. 

To date, neither the creditors nor the credit bureaus have provided sufficient evidence to substantiate the reported late payments. I request that these inaccurate late payment entries be removed immediately from my credit reports unless the creditors can provide proper documentation proving their accuracy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: NV

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Valon Technologies, Inc.
State: LA

Complaint narrative:
Filed for loan modification in XXXX. Loan modification approved pending I made the modi payments. I paid those and on time. Now they are saying I am ineligible for the loan modification because Im not on the title. I am! So I asked them to send me what they are looking at and they said no. They sent the INDEX only. So I sent them the copies but I feel like they are being super shady. In XXXX  years of having mortgages I have never seen this happen. And now they sent me a letter saying my mortgage is XXXX months past due but with the loan modification the next mortgage payment is due XX/XX/XXXX. So they cancelled that agreement and then sent me an email threatening to start the foreclosure process on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
1. I am requesting validation of this debt 2. This alleged debt is being reported twice on my credit report by the named company and a company called XXXX XXXX XXXX. This violates FCRA ( 15 u>s>c>1681i AND 1681s-2 ( duplicate reporting ). I am providing a 'Debt Validation '' letter demanding this vendor validate this debt.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus and creditor are inaccurately reporting a late payment on my open account. This is false, misleading, and unverified. The account is active and paid as agreed, yet it continues to show a derogatory late remark.

This reporting violates : FCRA 1681e ( b ) : Duty to ensure maximum possible accuracy FCRA 1681i : Obligation to investigate and correct disputed information FCRA 623 ( a ) : Furnishers duty to report accurate data Truth in Lending Act, 15 U.S.C. 1666 : Billing error correction requirements Despite prior disputes, the bureaus and creditor have failed to correct this error, which constitutes willful noncompliance. Reporting an account as both current and late is contradictory and misleading under Metro 2 compliance standards.

This error also increases my risk of harm given my personal information was compromised in the Equifax Data Breach and National Public Data Breach. I should not be exposed to further consumer harm due to inaccurate and unverified reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Company closed my account where all payments were up to date Ive asked capital one about my increasing rates and fees they were not able to answer I also wrote capital one a letter staying please see below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX nj XXXX Capital one XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Capital one XXXX XXXX XXXX Re : Cease and Desist Request Unauthorized Collection Efforts This letter is to formally notify you to cease all communication and collection efforts regarding the alleged debt identified by account number [ XXXX and XXXX ], pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ).

Under 15 U.S. Code 1692c ( a ) ( 2 ), a debt collector may not communicate with third parties about a consumers debt, and under 1692c ( c ), a consumer has the right to request that a debt collector cease all further contact with them. I hereby request that you stop all attempts to contact me in connection with this matter. 

Please be advised that any further collection efforts, including phone calls, letters, or other forms of communication, will be considered a violation of my rights under the FDCPA, and I am prepared to take appropriate legal action if necessary. 

I require that you confirm in writing that you have received this cease and desist request and that no further contact will be initiated or continued. 

Thank you for your immediate compliance with this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: AL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute 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 2025-09-17 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: MI

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am the victim of identity theft, and the XXXX XXXX account ending in XXXX is fraudulent. I did not open, authorize, or benefit from this account. I have already filed an FTC Identity Theft Report and provided supporting documentation. Under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2, the credit bureaus are required to block this account from my credit file within XXXX business days. I am requesting that Experian, Equifax, and TransUnion immediately remove and block this account, notify XXXX XXXX of the identity theft, and ensure the account is not reinserted.

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 2025-09-17 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: FL

Complaint narrative:
I am the victim of identity theft, and the XXXX XXXX account ending in XXXX is fraudulent. I did not open, authorize, or benefit from this account. I have already filed an FTC Identity Theft Report and provided supporting documentation. Under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2, the credit bureaus are required to block this account from my credit file within XXXX business days. I am requesting that Experian, Equifax, and TransUnion immediately remove and block this account, notify XXXX XXXX of the identity theft, and ensure the account is not reinserted.

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 2025-09-18 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:
1. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : 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 non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
My mortgage is being serviced by Freedom Mortgage. I started sending in my payments twice a month, paying XXXX in advance. I noticed they didn't apply the payment. I called to ask why and was told its in their unapplied bucket and they wouldn't apply the payment until the second half was paid. 

This is not a fair practice. If I have paid them money apply to the principle, interest and escrow they should apply the payment the day I submit the payment not hang on to it for XXXX weeks.

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 2025-09-17 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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