vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I have recievd multiple calls this month from XXXX. An AI leaves a message on my voicemail if I do not answer the call. If the call is answered or returned, it claims to be from a debt collection agency. When the system directs to a live person, the individual is rude and pushy. When I attempted to verify the name of the company prior to giving personal information, I was yelled at and hung up on. The man said that if I didn't " verify '' my personal information then he couldn't tell me anything. He talked over me as I asked questions.

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 2025-06-26 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 a XXXX of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXXXXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$930.00} XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$110.00} XXXX - XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$2000.00} XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$3000.00} XXXX XXXX - XXXX XXXX XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX * * * * * XXXX - XX/XX/XXXX - {$1900.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
I recently reviewed my credit report and identified several fraudulent accounts and unauthorized hard inquiries. These accounts are not mine, I did not authorize them, and I do not recognize them. They are negatively impacting my ability to obtain credit and are creating financial hardship. I am demanding the immediate removal of these fraudulent accounts and hard inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the XXXX XXXXXXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Nelnet , Inc., a federal student loan servicer, for reporting delinquent payments without properly notifying me. Nelnet used an email address I have never owned or authorized ( XXXX ) as the primary contact on my account. As a result, I received no communication and was unaware of any missed payments until my credit score dropped from XXXX to XXXX due to three months of reported delinquency. 

I contacted both Nelnet and the XXXX XXXX XXXX XXXX  ( via XXXX ). Both confirmed having different, incorrect contact emails on fileNelnet with XXXX and the XXXX XXXX XXXX with XXXX. I have never used either of these. My contact email has been XXXX / XXXX since XXXX  and was associated with my original loan record. 

Nelnet acknowledged the email discrepancy but refused to remove the late payment reports, despite my lack of notification. I am willing and able to pay any legitimate balance but request fair treatment and correction of this avoidable credit damage. 


I have updated my contact information with Nelnet and the XXXX XXXX XXXX and can provide records of communications. Please hold Nelnet accountable for their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MS

Complaint narrative:
In XX/XX/XXXX, I discovered two XXXX XXXX credit card accounts on my credit report that I didnt open. They were opened in XXXX, used throughout XXXX, and charged off in early XXXX. I wasnt receiving money through any account tied to them and had no idea they existed until I checked my reports. 

Back in XXXX, my XXXX XXXX  account was also hit with fraud. Someone used my debit card without permission, and the account was closed. Now that incident is on my XXXX XXXX report, making it harder to bank normally. 

I believe my information was stolen in the XXXX  data breach or possibly a more recent one. I work remotely and am away from home often, so I wasnt able to catch these issues in real time. I also suspect spoofing or hacking mightve been involved. 

This has affected my ability to move forward in life. I just want these fraudulent accounts removed so I can rebuild my credit and access what Ive worked hard for.

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 2025-06-26 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: MS

Complaint narrative:
In XX/XX/XXXX, I discovered two XXXX XXXX credit card accounts on my credit report that I didnt open. They were opened in XXXX, used throughout XXXX, and charged off in early XXXX. I wasnt receiving money through any account tied to them and had no idea they existed until I checked my reports. 

Back in XXXX, my XXXX XXXX  account was also hit with fraud. Someone used my debit card without permission, and the account was closed. Now that incident is on my XXXX XXXX report, making it harder to bank normally. 

I believe my information was stolen in the XXXX  data breach or possibly a more recent one. I work remotely and am away from home often, so I wasnt able to catch these issues in real time. I also suspect spoofing or hacking mightve been involved. 

This has affected my ability to move forward in life. I just want these fraudulent accounts removed so I can rebuild my credit and access what Ive worked hard for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX, I lost my job with the federal government. Since then I have exhausted everything that I have trying to pay credit card and loan debts despite opting in to a program entitled payment protection plan agreement and disclosure. When I opted into the program I was told that with this protection your loan or credit card balances will be cancelled in the event of loss of life. Additionally, the plan can also cancel the monthly payments on your loans should you become XXXX or unemployed. I was determined XXXX in XXXX of XXXX and placed on social security. I have requested lower interest rates, lower payments, skip payments for 90 days and was denied. Despite going through the hardship process. I have been with Navy Federal Credit Union for over 26 years and have never requested assistance but this is egregious. Today when I called and asked why my protection plan was not kicking in, I was told that the plan ended in XXXX. I asked for proof of this change and I was send a brochure regarding checking and saving. I checked my email to see if I received notice of this program change and on an email dated XXXX XXXX at XXXX, I received an email regarding my loan payment being deferred. In that email it states XXXX XXXX XXXX fees will continue to accrue during the extension period. If there was not plan why would it be included on my email. Hence, this is fraud and misrepresentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NJ

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the accounts is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX  XXXX Late 30 days XX/XX/XXXX .XXXX XXXX XXXX XXXX Late 30 days XX/XX/XXXX XXXX Late 60 days XX/XX/XXXX, XXXX XXXX  XXXX XXXX Late 30 days XX/XX/XXXX, XX/XX/XXXX and late 60 days XX/XX/XXXX XXXX  XXXX XXXX Late 30 days XXXX XXXX XXXX XXXX XXXX Multiple late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: AZ

Complaint narrative:
I request your help to review accounts that these companies are mistakenly reporting as late. Upon checking my credit report, I found late payment marks on some accounts that are not accurate. These accounts should not have any late payment remarks. Please remove these incorrect remarks and update the accounts to reflect the agreed positive status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX XXXX XXXX XXXX I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-26 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: MS

Complaint narrative:
This CFPB complaint is submitted to request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you, TransUnion, block from my consumer credit report any information resulting from identity theft and fraud within XXXX business days of receiving this complaint. 

The disputed information includes multiple unauthorized accounts, collection entries, and hard inquiries that I did not initiate or authorize. These entries are inaccurate and fraudulent, and they now appear on my consumer credit report maintained by your agency. 

I do not recognize any of these accounts, collections, or inquiries. They were not opened, made, or initiated by me and are solely the result of identity theft. For verification, I have attached a copy of my FTC Identity Theft Affidavit along with supporting documentation, including a copy of my credit report and a list of the disputed inquiries.

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 2025-06-26 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: IA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX. My social security number was used to open several fraudulent accounts without my consent or knowledge. I have tried to resolve this with the company with nothing being resolved. This is not my account, and this does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: IA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX. My social security number was used to open several fraudulent accounts without my consent or knowledge. I have tried to resolve this with the company with nothing being resolved. These accounts do not belong to me and are a result of XXXX XXXX 
The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: IA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX. My social security number was used to open several fraudulent accounts without my consent or knowledge. I have tried to resolve this with the company with nothing being resolved. These accounts do not belong to me and are a result of XXXX XXXX 
The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I sent letters regarding my concern with creditors reporting charges off each month instead of reporting one charge off. These accounts were charged off only once. In my letter I requested that creditors send a copy of 1099. I have not received any 1099s and these request was almost 5 months ago.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing a collection account from XXXX XXXX XXXX ( original creditor : XXXX at XXXX XXXX  ) still reported as open by Experian. 

However, my XXXX  report from XXXX clearly reflects this account as closed as of XX/XX/year>, showing a pay status of " Collection '' and listing the " Date Closed '' explicitly. 

Experian has failed to match the accurate closure and reporting details required by FCRA 607 ( b ) and Metro 2 guidelines, which require uniform data across all CRAs. This inconsistency unfairly impacts my score and creditworthiness.

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 2025-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: MD

Complaint narrative:
CRI Servicer for Federal Student AidXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX -- XXXX, was called by me on XX/XX/XXXX, regarding a forbearance of a Student Loan for XXXX. I inquired about the college the money was for and learned the loans were taken twice in XXXX and in XXXX, for XXXX XXXX XXXX XXXX XXXX. 
I stated, I never attended the XXXX XXXX XXXX XXXXXXXX, but another college I thought the loans were referred to. 
I was instructed to complete a Loan Discharge Application and upon inquiry a month later I learned a police report should've been submitted with the application. I got a XXXX XXXX Police Report and submitted with the Loan Discharge Application again, XXXX, XXXX. 
I called CRI, today and learned the loans were consolidated in XXXX, but taken in XXXX. 
The CRI Representative had no updates regarding my status, so I'm seeking help at other levels, as to why I'm writing Consumer Finance. 
Thank you

Company response to consumer: Closed with explanation