vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, Aargon Collection Agency submitted a medical debt collection to my XXXX  credit report for {$1900.00}. I never received any communication by mail or phone regarding this debt. 

I made several attempts to dispute the entry with XXXX. I then sent a debt validation letter pursuant to 15 U.S.C. 1692g ( b ), requesting validation and the chain of custody. XXXX responded with a presentment dated XX/XX/XXXX, claiming to collect on behalf of XXXX XXXX XXXX XXXX XXXX for {$1900.00}. They included a document with my signature authorizing treatment. However, they have not provided any documentation validating the debt or the chain of custody as I requested. 

Prior to this, XXXX XXXX XXXX XXXX XXXX attempted to collect on the same debt around XX/XX/XXXX, for {$2000.00}. I also requested debt validation from them but never received any response by mail. 

Both agencies have violated my rights by : Failing to provide proper debt validation. 

Potentially sharing or selling my personal information without my consent. 

I also requested XXXX  to remove the collection from my credit report, as more than 30 days have passed since my initial dispute. I have receipts from the United States Postal Service showing that I sent the letters via registered mail with certified return receipts. I have not received confirmation from XXXX. I have now sent two letters requesting resolution, and this is my final attempt to resolve the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
I believe this late payment was reported in error and is not in line with my payment record. I ask that you correct this by removing it from my credit 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 explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of check fraud. A check was claimed under my name that I did not authorize or sign. I reported this to my bank on XXXX XX/XX/year>, and they stated they would send me a copy of the check so I could verify that the signature was not mine. The bank name is CapitalOne Despite my repeated requests, the bank failed to provide the promised copy. When they eventually sent it via encrypted email about a week later, the email arrived empty. I contacted them again and was told it would be mailed to my physical address, but it has still not arrived. 

I have been actively trying to resolve this issue for 5 months, calling the bank repeatedly, but they have not provided any consistent or concrete response. Their failure to act responsibly and communicate effectively has caused undue stress and potential financial harm.The claim number are XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Its sad I have been going through this for sometime, I just literally reached out to chime only to be told they can't help m and my fun are ineligible to be refunded from my account that was closed. Chime sent you a response only for a front. I am trying to give them my documents and I was basically just told I can't get the funds and hung up on. The rep told me there is nothing more they can do. I will attach the email to where they asking for documents to be returned but I don't have a link to send them to. The letter just says contact Chime I have and they just give me the same old line they can't help me and hang up. Please let me know what to do. I have contacted the IRS they stated for me to do a civil suit. Cause they process and release my funds to my Chime account. Chime is wrong for taking people money like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
To Whom It May Concern : This letter serves as my formal and immediate notice of rescission of the motor vehicle purchase agreement and all related contracts, including but not limited to the security agreement/security interest you hold in my vehicle.

I am exercising my right to rescind this transaction based on material misrepresentation, fraud, and violations of state and federal consumer protection laws that rendered my consent uninformed, involuntary, and legally invalid.

Grounds for Rescission Upon review of my transaction, I have identified the following violations and unlawful practices : Material Misrepresentation and Omission of Material Facts Failure to truthfully disclose financing terms, total costs, fees, or vehicle condition prior to contract execution.

Violation of the Federal Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. Inaccurate, incomplete, or misleading disclosures regarding the finance charge, annual percentage rate ( APR ), and total payment obligations. 
Violation of the Magnuson-Moss Warranty Act, 15 U.S.C. 2301 et seq. Misrepresentation of warranty coverage and/or failure to honor implied warranties.

Violation of the Federal Trade Commission ( FTC ) Act, 15 U.S.C. 45 Engaging in deceptive and unfair trade practices in the course of this transaction.

Violation of State Motor Vehicle Sales and Finance Laws Breach of statutory duties imposed on licensed motor vehicle dealers in [ Your State ].

Notice of Rescission and Termination of Security Interest Pursuant to my rights under TILA ( 15 U.S.C. 1635 ), applicable state contract law, and the Uniform Commercial Code ( UCC ) 2-721, 9-201, and 9-203, I hereby : Rescind the purchase contract and all related agreements as if the transaction had never occurred. 
Revoke and terminate any security interest you claim in the vehicle, its title, or any associated collateral. 
Demand the return of all payments, deposits, and trade-in value tendered as part of this transaction. 
Offer to return the vehicle to your dealership upon your confirmation of acceptance and instruction for delivery, contingent upon full unwinding of the transaction. 
Required Response You are hereby directed to : Provide written confirmation within ten ( 10 ) business days acknowledging receipt of this rescission and detailing the process for unwinding the transaction.

File and deliver a UCC-3 termination statement or other applicable release of lien/security interest with the state motor vehicle department .

Return all consideration received from me within the timeframe prescribed by law. 
Failure to comply with this lawful rescission will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney Generals Office, and, if necessary, civil litigation for damages and statutory penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc.
State: ME

Complaint narrative:
I am filing a complaint against the U.S. Department of Education ( US DEPT ED ) and the major credit reporting agencies for ongoing Fair Credit Reporting Act ( FCRA ) violations. My federal student loan defaulted on XX/XX/XXXX, which under FCRA 605 ( a ) ( 4 ) should have resulted in permanent deletion from my credit reports by XX/XX/XXXX. 

Despite this, US DEPT ED unlawfully re-aged the account on XX/XX/XXXX to make it appear new, causing it to be reinserted into my credit reports with a fraudulent open date. The credit bureaus ( XXXX XXXX XXXX ) have reported this false data without providing the required reinsertion notice, and have failed to conduct a lawful reinvestigation despite XXXX documented disputes I submitted between XXXX and XX/XX/XXXX with proof of the original default date. 

These actions violate : 605 ( a ) ( 4 ) Reporting beyond 7-year limit 611 ( a ) ( 5 ) ( B ) Reinsertion without required notice 611 ( a ) ( 1 ) ( A ) Failure to conduct reasonable reinvestigation 623 ( a ) ( 5 ) Intentional re-aging of account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
This is concerning FNBO bank XXXX XXXX XXXX, XXXX Nebraska, XXXX. 

I have a fraudulent purchase on my FNBO XXXX card on XX/XX/XXXX for {$250.00}. 

I notified FNBO that I did NOT make this purchase on XX/XX/XXXX. Unbeknownst to me FNBO had put a halt on my card on XX/XX/XXXX. 

FNBO has now charged me THREE TIMES for {$250.00}. I have tried repeatedly to resolve this with FNBO to no avail. 

Can you please help me? 

Thank 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
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. 

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 XXXXXX/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 explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. 

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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have contacted both Trans Union and Equifax. I have submitted multiple disputes for them to correct inaccurate information. Also contacted them to remove certain information that does not belong on credit report. I have furnished copies of my credit reports to show you that the information in the personal information also and other negative accounts that I asked to have deleted and incurred disputes company refuses to prove that they have furnished proper identification plus also they have not changed any information that I have provided to them by proof of identification that I have sent them numerous times. I am finally at the point where I am now at your mercy to file a formal complaint for the failure of these credit reporting agencies to do their jobs. I will submit anything that you currently need to make my case and I hope that this can be resolved at a reasonable time. Also want them to delete old information that doesn't pertain to me. Also, trans Union fails to produce a free credit report to me using XXXX XXXX XXXXXXXX. I keep getting the runaround and getting a document that I have to download and fill out and mail in which they are breaking the rules and the law of the fair credit reporting act, and this needs to be brought to your attention as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: AZ

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. 

XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX. # XXXX - Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX 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 2025-08-13 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: FL

Complaint narrative:
This dispute concerns the continued furnishing of inaccurate, incomplete, and unverifiable credit information in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), and 1681i ( a ). Furnishers and credit reporting agencies are required to comply with XXXX XXXX Format standards as established by the Consumer Data Industry Association ( CDIA ) and must properly handle disputes through the XXXX system to ensure accuracy, completeness, and lawful reporting. 

Late payment history and charge-off status are being reported in violation of FCRA requirements, including improper Date of First Delinquency ( DOFD ) reporting, failure to update status after an alleged charge-off, and failure to cease negative reporting where debt has been discharged or is otherwise unenforceable. If a Form 1099-C has been issued or should have been issued under IRS Publication 4681, continued reporting of a balance constitutes false reporting and violates both federal tax law and the FCRA. 

Pursuant to controlling case law such as Cushman v. Trans Union ( 115 F.3d 220, 3d Cir. 1997 ) and Richardson v. Fleet Bank ( 190 F. Supp. 2d 81, D. Mass. 2001 ), furnishers must perform a meaningful investigation of disputes and may not simply confirm their own records. I, as the consumer, am the only person legally able to validate any alleged debt, and any continued reporting without my validation is unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
This dispute concerns the continued furnishing of inaccurate, incomplete, and unverifiable credit information in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), and 1681i ( a ). Furnishers and credit reporting agencies are required to comply with XXXX XXXX Format standards as established by the Consumer Data Industry Association ( CDIA ) and must properly handle disputes through the XXXX system to ensure accuracy, completeness, and lawful reporting. 

Late payment history and charge-off status are being reported in violation of FCRA requirements, including improper Date of First Delinquency ( DOFD ) reporting, failure to update status after an alleged charge-off, and failure to cease negative reporting where debt has been discharged or is otherwise unenforceable. If a Form 1099-C has been issued or should have been issued under IRS Publication 4681, continued reporting of a balance constitutes false reporting and violates both federal tax law and the FCRA. 

Pursuant to controlling case law such as Cushman v. Trans Union ( 115 F.3d 220, 3d Cir. 1997 ) and Richardson v. Fleet Bank ( 190 F. Supp. 2d 81, D. Mass. 2001 ), furnishers must perform a meaningful investigation of disputes and may not simply confirm their own records. I, as the consumer, am the only person legally able to validate any alleged debt, and any continued reporting without my validation is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: CO

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 2025-08-13 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: CO

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