vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
AARGON AGENCY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Subject : Formal Cease and Desist Demand This correspondence serves as your official notice to immediately cease and desist from [ clearly describe the unlawful or harmful behavior, such as making defamatory statements, harassment, unauthorized use of company assets, and damages to my credit report. Your actions constitute a violation of my legal rights and have resulted in financial loss, reputational harm, and emotional distress. 
This company is reporting {$910.00} on my credit report for some medical data from a hospital I received care at through my insurance. I submitted the appropriate forms to the company, and later I never received any other communications from them. 
If you fail to comply with this demand, I am prepared to pursue all available legal remedies, including but not limited to filing a lawsuit, seeking injunctive relief, and demanding monetary damages. Be advised that continued misconduct may also expose you to liability for court costs and attorneys fees. 
This letter serves as a final warning before formal legal action is initiated. I strongly urge you to take this matter seriously and confirm, in writing, within 10 business days of receipt of this letter, that you have ceased all unlawful activity. 
Failure to respond or comply will leave me with no alternative but to escalate this matter through the appropriate legal channels.

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 2025-09-25 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: MI

Complaint narrative:
To Whom It May Concern, I am disputing the accuracy of the late payment ( s ) you have reported on the above account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you are required to report accurate information. The burden is on the furnisher to provide documentation proving the validity of any derogatory entry ( see XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXXXX/XX/XXXX) ). 

Accordingly, I demand : 1. Copies of records that substantiate the alleged late payment ( s ).

2. Evidence of your procedures used to verify accuracy ( XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) ). 

If you can not produce such documentation, you must immediately remove the negative reporting with all credit bureaus to remain in compliance with the FCRA. Failure to do so may constitute willful noncompliance under 15 U.S.C. 1681n.

Inaccurate late payments that need to be removed : XX/XX/XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: MI

Complaint narrative:
To Whom It May Concern, I am disputing the accuracy of the late payment ( s ) you have reported on the above account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you are required to report accurate information. The burden is on the furnisher to provide documentation proving the validity of any derogatory entry ( see XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXXXX/XX/XXXX) ). 

Accordingly, I demand : 1. Copies of records that substantiate the alleged late payment ( s ).

2. Evidence of your procedures used to verify accuracy ( XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) ). 

If you can not produce such documentation, you must immediately remove the negative reporting with all credit bureaus to remain in compliance with the FCRA. Failure to do so may constitute willful noncompliance under 15 U.S.C. 1681n.

Inaccurate late payments that need to be removed : XX/XX/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 explanation
Consumer complaint received 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting to formally dispute the reporting of several hard inquiries that appear on my TransUnion credit report. These inquiries were not authorized by me and may have been made without a permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ) 604 ( 15 U.S.C. 1681b ). Under FCRA, hard inquiries may only be reported and maintained on a credit file if they are initiated by the consumer or made with proper authorization. I did not initiate or provide consent for many of the inquiries listed below, and as such, I am requesting that you investigate and permanently remove them from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2025-09-25 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: NY

Complaint narrative:
Credit bureaus are allowed identity thieves and crooks clone my credit report and change my contact and other personal information. My credit report is being forged by identity thieves as well as using an unauthenticated credit report attached to me with last XXXX of another social or XXXX number or forged number of 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 2025-09-25 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: NY

Complaint narrative:
Credit bureaus are allowed identity thieves and crooks clone my credit report and change my contact and other personal information. My credit report is being forged by identity thieves as well as using an unauthenticated credit report attached to me with last XXXX of another social or XXXX number or forged number of 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 2025-09-25 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX  # XXXX XX/XX/year> -- {$0.00}

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 explanation
Consumer complaint received 2025-09-25 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 am submitting this complaint after carefully reviewing my credit report and discovering multiple unauthorized and inaccurate credit inquiries that I did not authorize. These inquiries have negatively impacted my credit profile and misrepresent my financial activity. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize any of these companies to access my credit file. The Fair Credit Reporting Act ( FCRA ) protects consumers like myself by requiring that credit reporting agencies obtain my permission before furnishing reports, follow reasonable procedures to ensure maximum possible accuracy, and reinvestigate disputed items within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
I am submitting this complaint after carefully reviewing my credit report and discovering multiple unauthorized and inaccurate credit inquiries that I did not authorize. These inquiries have negatively impacted my credit profile and misrepresent my financial activity. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize any of these companies to access my credit file. The Fair Credit Reporting Act ( FCRA ) protects consumers like myself by requiring that credit reporting agencies obtain my permission before furnishing reports, follow reasonable procedures to ensure maximum possible accuracy, and reinvestigate disputed items within 30 days.

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 2025-09-25 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: NC

Complaint narrative:
I am filing this complaint because the credit bureaus continue to report inaccurate late payments on my credit reports despite these entries constituting billing errors under 15 U.S.C. 1666 ( b ). These late payments are unverifiable, inaccurate, and damaging to my creditworthiness.

Legal Basis Under the Fair Credit Billing Act ( FCBA ), incorporated into the Truth in Lending Act, creditors are required to ensure accurate reflection of payments and correct accounting errors. The issues in my credit report fall under : 15 U.S.C. 1666 ( b ) ( 4 ) : Failure to accurately reflect a payment made by the obligor or credit issued on a statement.

15 U.S.C. 1666 ( b ) ( 5 ) : Computation or accounting error by the creditor. 

Additionally, I was not provided with billing statements XXXX  days prior to payment due dates, meaning late payments should not have been recorded at all. 

Inaccurate Items Being Reported XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) Failure of the Bureaus Despite my disputes, the credit bureaus have failed to : Obtain documentary evidence showing I was actually late. 

Correct inaccurate payment histories. 

Ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Delete unverifiable late payments as required by 15 U.S.C. 1681i ( a ) ( 5 ).

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 2025-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
i didn't know i was married to someone who wanted me XXXX  and took my identity we started dating in 2020 in XXXX come to find out he fled after being together so long but 4 years i wanted to escape with out conflict but while i was away so i would be XXXX  at home by him i look further into my account checking, Saving, credits, loans he took my XXXX my XXXX XXXX  and my personal information for personal gain I even paid for his papers so he can stay safe here my credit score was at XXXX now XXXX Please i need help n idk where to start i got a XXXX against him but it was denied for the extension he even removed my sim card from my XXXX XXXX with out me knowledge and deleted a lot of the evidence i have against him he has an acomplices and i even lost my job since he also redirected my mail else wear... i was A XXXX XXXX  due to them hacking i couldn't return to work n i was on fmla just for me to come back home to be let go : ' c i went to all police station n they refused to help or take my report emails hacked my money stolen and i maintained him he didn't work but then i saw in my bank he was using another name and cashing checks im not okay im furious i should have check sooner and ran away then deal with this chase bank XXXX XXXX  usps XXXX even compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: MI

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: MI

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, my XXXX  XXXX  account was compromised through a SIM swap attack. My phone service was deactivated, and the attacker activated service on their own device. With control of my phone number, the attacker was able to reset my Wells Fargo online banking credentials, change my password, and initiate unauthorized transfers through XXXX  and other XXXX reported the incident to Wells Fargo on the same day (XXXX XXXX XXXX). The bank opened claims, conducted an investigation, confirmed the SIM swap fraud, and reimbursed the fraudulent transactions that occurred on that date. Wells Fargo also advised me to close my online banking account temporarily, which left me without access until I established a new mobile carrier XXXX regaining access, I discovered two additional unauthorized transactions that posted on XXXX XXXX XXXX. According to Wells Fargo, both transactions were initiated on XXXX XXXX XXXX (the day of the SIM swap attack) but did not settle until XXXX XXXX XXXX. These transactions XXXX  Purchase authorized on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Money transfer authorized on XXXX XXXX XXXX XXXX XXXX XXXX promptly reported these and filed claims (XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX). However, Wells Fargo denied reimbursement, despite the fact that the transactions occurred during the same SIM swap fraud event on XXXX XXXX XXXX, and were unauthorized by 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 monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This dispute concerns the inaccurate reporting of accounts that do not belong to me. I never opened, authorized, or approved these accounts, and I was not notified when they were added to my credit file. To make matters worse, each bureau is reporting different and conflicting information. This is a violation of the FCRA, 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain the highest level of accuracy.

It is also a violation of 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within XXXX  days, and 15 U.S.C. 1681g, which ensures consumers have access to complete and accurate disclosures.

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 2025-09-25 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 dispute concerns the inaccurate reporting of accounts that do not belong to me. I never opened, authorized, or approved these accounts, and I was not notified when they were added to my credit file. To make matters worse, each bureau is reporting different and conflicting information. This is a violation of the FCRA, 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain the highest level of accuracy.

It is also a violation of 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within XXXX  days, and 15 U.S.C. 1681g, which ensures consumers have access to complete and accurate disclosures.

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 2025-09-25 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: CA

Complaint narrative:
I am requesting the removal of XXXX fraudulent account from my credit reports with Experian, TransUnion, and Equifax. Please review my supporting documents and remove the account that was fraudulently added to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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