vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am submitting this complaint against Navy Federal Credit Union and XXXX XXXX XXXX XXXX XXXX regarding account number ending in XXXX, which is being reported inaccurately on my credit file. 

Despite multiple formal notices sent under my rights established by 15 U.S.C. 1681i, 1681s-2, 1601 ( FCRA/TILA ) and XXXX  XXXX, the company has failed to respond or provide verified documentation proving the legitimacy of the debt, original signed contract, chain of custody, or accounting records. 

I have reason to believe that my promissory note was unlawfully monetized, securitized, or pledged without full disclosure or my consent, violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) and privacy provisions.

Additionally, Navy Federal Credit Union continues to report the account as " past due '' despite charge-off or possible discharge by IRS Form XXXX, in violation of FCRA 1681s-2 ( b ).

My demands for : Certified copy of the original agreement, Full accounting and custodial record, Disclosure of any trust, SPV, or securitization transaction, Proof of lawful authority to report, have gone unanswered. 

This lack of verified disclosure and continued negative reporting constitutes furnishing false and unverified data, fiduciary breach, and abuse of personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
I am a victim of identity theft. Multiple fraudulent accounts and an unauthorized hard inquiry have been reported on my credit file without my knowledge or consent. 
The fraudulent accounts are : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXX charged off for {$410.00}. 
XXXX XXXX XXXX XXXXXXXX Account ending in XXXX charged off for {$1000.00}. 
XXXX XXXX XXXX XXXX account for {$410.00} ( XXXXXXXX XXXX  ) and Collection account for {$1000.00} ( XXXX XXXXXXXX XXXX ). 
Fraudulent Hard Inquiry : XXXX XXXX XX/XX/year>. 
I have attached my FTC Identity Theft Report ( Report XXXX XXXXXXXX ) for verification. 
I am requesting the immediate deletion of these accounts and hard inquiry from my credit report pursuant to FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ), which mandates the removal of all information resulting from identity theft once properly disputed with an identity theft report.

Please delete all the above fraudulent entries from my report promptly.

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 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> LVNV FUNDING, LLC XXXX XXXX XXXX, XXXX, SC XXXX Debt Amount : {$1200.00} To whom It May Concern, Request for Debt Validation Under 15 USC 1692g Be advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act ( FCRA ) ( 15 USC 1692g ) stating that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address. Still, a request for VALIDATION made under the above-named Title and Section, I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalid information to any of the three major credit bureaus ( XXXX XXXX, or XXXX ), this action may constitute fraud under both federal and state laws. Due to this fact, if any negative marks are found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character. ( per see ).

Suppose your offices can provide the proper documentation requested in the following Declaration. In that case, I will require at least 30 calendar days to investigate this information, during which all collection activity shall cease.

Also, during this validation period, I will consult my legal counsel for a suit if any action is taken that could be detrimental to any of my credit reports. This includes any information in a credit reporting repository that could be inaccurate or invalid.

Suppose your offices fail to respond to this validation request within 30 calendar days from the date of your receipt. In that case, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am submitting this complaint against JPMCB regarding account number ending in XXXX, which is being reported inaccurately on my credit file. 

Despite multiple formal notices sent under my rights established by 15 U.S.C. 1681i, 1681s-2, 1601 ( FCRA/TILA ) and UCC 3-419, the company has failed to respond or provide verified documentation proving the legitimacy of the debt, original signed contract, chain of custody, or accounting records. 

I have reason to believe that my promissory note was unlawfully monetized, securitized, or pledged without full disclosure or my consent, violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) and privacy provisions.

Additionally, JPMCB continues to report the account as " past due '' despite charge-off or possible discharge by IRS Form 1099-A/C, in violation of FCRA 1681s-2 ( b ). 

My demands for : Certified copy of the original agreement, Full accounting and custodial record, Disclosure of any trust, XXXX, or securitization transaction, Proof of lawful authority to report, have gone unanswered. 

This lack of verified disclosure and continued negative reporting constitutes furnishing false and unverified data, fiduciary breach, and abuse of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Aargon Agency , Inc. for inaccurately reporting a collection account to the credit bureaus. The account is for a {$66.00} balance I owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I paid directly to XXXX before this debt was rightfully placed with any collection agency. Debt was paid XXXX XXXX. 

Despite resolving the debt with the gym, Aargon Agency is continuing to report it as an open collection, negatively impacting my credit.

Additionally, this is the second collection agency to report this same debt, which raises further concerns about how this account is being handled and shared. 

I have already communicated with both XXXX and Aargon Agency and informed them that the debt has been paid. I can provide proof of payment. The continued reporting of this collection is unfair, inaccurate, and misleading.

I respectfully request that Aargon Agency immediately remove this collection entry from my credit reports and cease all further collection activity related to this account.

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 2025-06-08 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: RI

Complaint narrative:
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 THESE HARDINQUIRIES DONT BELONG TO ME, HASNT BEING AUTHORIZED BY ME AND HAS TO BE REMOVED. ALSO THIS AS WELL. THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

The account information being reported on all three of my credit reports with ( XXXX XXXX XXXX ) are incorrect and inaccurate. I have disputed several times in the past without any of these accounts getting resolved correctly. The information being reported to each of the consumer reporting agencies are not the same, thus being inaccurate and incorrect. 

I am requesting that account validation and investigative method be sent to 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 explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

The account information being reported on all three of my credit reports with ( XXXX XXXX XXXX ) are incorrect and inaccurate. I have disputed several times in the past without any of these accounts getting resolved correctly. The information being reported to each of the consumer reporting agencies are not the same, thus being inaccurate and incorrect. 

I am requesting that account validation and investigative method be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I do not owe this debt. It needs to be removed from my credit report. I have attempted to reach out to the company and have recorded evidence of them stating that i do not owe this debt. My son attended the daycare for XXXX  days and I paid all monies owed. They are also wrongfully reporting the account says closed but they continue to report late payments and I dont owe this debt. 

I have never done any business with ic system Inc If it is not removed I will sue. XXXX and ic system Inc

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is reporting my student loans from XXXX and the department of education as 2 separate accounts when it should be only one. On my credit report from XXXX, it shows 8 accounts vs only 4 with XXXX and department of education. I contacted XXXX and it seems to be off when i go into the app but on my actual credit report, it shows the double accounts.

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 2025-06-08 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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:
15 USC 1681 c-2 I am making a statement in regards to some fraudulent activity I have found on my credit report I never gave consent to any of these items block and remove all items mentioned on FTC & PDF I want them deleted immediately!!

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have made several request this year and last year for my credit reports and they have not sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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 recently reviewed a copy of my credit report and discovered several accounts that appear to be fraudulent. These accounts do not belong to me and are negatively affecting my credit standing.

I kindly request that these unauthorized accounts be investigated and removed from my credit report as soon as possible.

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 2025-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
I opened a XXXX XXXX Credit Card through Commenity Bank XXXX of last year. I immediately XXXX and was unable to receive my statements. I was contacted by telephone in XX/XX/year> about my bill being due in the minimum amount of about {$40.00}, but I chose to pay {$100.00} to keep my account in better standing. I then waited until XX/XX/year> to pay the remaining balance of {$330.00} on the account to ensure my account was at a XXXX balance with all of the interest accrued. I returned from XXXX in XXXX and to my surprise I had a remaining interest charge of {$4.00} dollars that had incurred interest and was now 2 months past due. I was never contacted about this remaining amount by telephone, nor email and my statements were not on my pile of mail upon return from overseas. I immediately remedied the account, bringing it to an actual XXXX balance. I emailed the company to request some grace given my situation and that it please be removed from my credit report. I have received no response and when I asked a customer service representative over the phone, she told me I just have to wait. I do not think this is good business and the hit my credit has taken from it is completely obscene. I also filed a dispute with experian and they were unable to make any headway, therefore, I am filing a complaint. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-08 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: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX Fl XXXX XXXX, Ny XXXX and i am composing this complaint because there are a few unauthorized accounts that are negatively reporting to my credit profile. I will be listing the accounts here. I've tried to settle this with all XXXX major credit agencies ( XXXX, EXPERIAN, XXXX  ) These reports do not belong to me and i did not provide my signature for them. I am asking for these to be deleted/removed from my credit profile as my score is hindered because of them. Please help. 

Accounts below : XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX Account XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}

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 non-monetary relief
Consumer complaint received 2025-06-08 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: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX Fl XXXX XXXX, Ny XXXX and i am composing this complaint because there are a few unauthorized accounts that are negatively reporting to my credit profile. I will be listing the accounts here. I've tried to settle this with all XXXX major credit agencies ( XXXX, EXPERIAN, XXXX  ) These reports do not belong to me and i did not provide my signature for them. I am asking for these to be deleted/removed from my credit profile as my score is hindered because of them. Please help. 

Accounts below : XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX Account XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}

Company response to consumer: Closed with non-monetary relief