vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
Tried to verify a debt with XXXX XXXX with the XXXX, XXXX XXXX. I was trying to understand why I had a balance with XXXX when I sold my house and closed my account over XXXX  months ago and that the final bill was not sent to my current address. XXXX XXXX tried to compare the debt I XXXX  know I owed to buying groceries and that I should just pay it and get it out of the way He continued to talk over me when I tried to understand this collection paper that I owed that XXXX sent to my house. I felt very overwhelmed with XXXX and pressured into paying this debt ( which I ended paying since he threatened to put me down as not willing to pay and XXXX  not want it to go into my credit report. All I was simply trying to do is understand situation and verify it was my actual debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I received an email that a XXXX account was created in my name and sent {$400.00} to an individual in XXXX and {$100.00} to a different individual in XXXX using my debit card information. I promptly turned my card off and contacted both XXXX and my bank. While discussing with my bank, another money exchange account, XXXX, was created and attempted to send more money. The information stolen was correct except for an unknown phone number that was used. I disputed the charge with my bank and they denied my claim.

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 2025-12-15 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: PA

Complaint narrative:
I am writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my TransUnion credit file. 
These entries are the result of identity theft and were not authorized by me. My dispute falls under the guidelines of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and the Metro 2 credit reporting standard.

This dispute should be processed electronically using your automated systems. This includes classification under Dispute Code 103 Fraudulent, and application of structured fraud suppression logic for entries that were never initiated or authorized by me. As a consumer, I am specifically requesting that your system perform an automated suppression review, and that the data elements I detail below be processed as a factual dispute without escalation to manual review unless statutorily required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
I am writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my TransUnion credit file. 
These entries are the result of identity theft and were not authorized by me. My dispute falls under the guidelines of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and the Metro 2 credit reporting standard.

This dispute should be processed electronically using your automated systems. This includes classification under Dispute Code 103 Fraudulent, and application of structured fraud suppression logic for entries that were never initiated or authorized by me. As a consumer, I am specifically requesting that your system perform an automated suppression review, and that the data elements I detail below be processed as a factual dispute without escalation to manual review unless statutorily required.

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 2025-12-15 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
We have a 0 % interest balance on a XXXX credit card. We've made XXXX purchase in XXXX for {$6200.00}. We have been regularly paying down the balance when synchrony Bank sold to imprint. When they transferred our account. Somehow our mysterious {$4000.00} charge got added to our account. We've requested multiple statements and received no information or response. They are charging us interest on this random charge and not allowing us to report it as fraud because they don't even see the charge on their end.

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 2025-12-16 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: CA

Complaint narrative:
I must emphasize that this complaint is not filed in error. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are causing significant distress and ongoing negative impacts on my life, and correcting them would provide substantial relief during this challenging period.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One is reporting an account number ending in XXXX to my credit as a charge off. They have never sent me the 1099-C to reflect that the account was actually charged off nor have they responded to my request for this document. Therefore the information they are reporting is inaccurate., They need to immediately furnish the 1099-C that supports that the account was actually charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
I am writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my TransUnion credit file. 
These entries are the result of identity theft and were not authorized by me. My dispute falls under the guidelines of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and the Metro 2 credit reporting standard.

This dispute should be processed electronically using your automated systems. This includes classification under Dispute Code 103 Fraudulent, and application of structured fraud suppression logic for entries that were never initiated or authorized by me. As a consumer, I am specifically requesting that your system perform an automated suppression review, and that the data elements I detail below be processed as a factual dispute without escalation to manual review unless statutorily required.

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 2025-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Imprint Payments, Inc.
State: CO

Complaint narrative:
Opened a XXXX XXXX  XXXX credit card for store purchase with 0 % APR for 24 months which was run by XXXX. XXXX XXXX  XXXX transferred cards to Imprint - Imprint is not honoring 0 % APR and immediately changed APR to 33.49 % and subsequently charged me 2 late fee payments of {$110.00} and {$110.00}, as well as late charges. I have called and filed complaints over the last 2 months and they are not updating accounts or changing. They brought a higher balance to my account from XXXX and will not update. This is clear fraud and they are refusing to resolve. First attempt to resolve - no records of call to customer service were made, second attempt I was given a case number but issue has still not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a XXXX.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
After the government shut down XXXX XXXX, they finally absolve all debt. I have the emails from the government that states all debts we would be erased and any credit reports. Well, the debt was erased, but I still have XXXX negative reports on my credit from this school. And that's just the XXXX  reports. I still ended up paying off the personal creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: AR

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-12-15 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: AR

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According FCRA section 60B it is illegal to report information on my credit report without my permission thank you please remove this 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According FCRA section 60B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: AL

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX  XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF XXXX  AND XXXX  LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Harvest Credit Management VII, LLC
State: TX

Complaint narrative:
My mother died on XXXX. I was her only child and she was not married. I transferred her home into my name in an affidavit of heirship. I am trying to sell the home and an abstract of judgment has come up on the property. The original creditor is HarvestCredit Management IV B.. I believe she had an old XXXX card balance of about XXXX. Harvest credit management bought he debt. In XXXX they put the original abstract of judgment on her for XXXX, attorney fees and interest was added. 
20 years later I am trying to sell it and I am trying so hard to get in contact with them to pay the debt through the title company. Its been over XXXX weeks and every # we find for harvest credit management all gets forwarded to XXXX XXXX XXXX oXXXX XXXX XXXX XXXX XXXX. I have reached out to XXXX more who is a representative at XXXX XXXXXXXX XXXX and the first time I spoke to him on XX/XX/XXXX he told me that the case was closed. A week later he didnt want to talk to me anymore. In XXXX of XXXX the attorney named XXXX XXXX filed a writ of execution on my moms property and the amount went up to {$61000.00}, bc of interest. We emailed the XXXX XXXX and he said that the case is no longer in his office that I need to get into contact with original creditor. Harvest management has no way to get in touch with them bc everything on line goes back to the attorneys. I emailed gulfsouth legal and XXXX XXXX several times asking for the original creditor phone number, physical address, and/or email. They do not respond. I am afraid that they are trying to foreclose on my moms property being that no k e lives there anymore. I am trying to get into contact contact with them so I can give them what they want and they are dodging me making it impossible to reach an agreement. Can u please help me anyway. My name is XXXX XXXX and my # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: AL

Complaint narrative:
This is a follow-up complaint regarding [ XXXX XXXX XXXX  / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === CHARGE OFF === XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-12-15 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: PR

Complaint narrative:
I do not have any account with XXXX, XXXX. Multiple Affirm installment loan accounts opened in XX/XX/year> are reporting on my XXXX  and TransUnion credit reports with balances and past-due amounts as of XX/XX/year>. I never applied for, opened, or authorized these accounts. 

I disputed these accounts multiple times with XXXX, TransUnion, and directly with XXXX and requested proof of ownership and identity verification. XXXX did not provide any documentation but continues to verify and report the accounts, causing ongoing harm to my credit.

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 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Wildhorse Financial Services, LLC
State: FL

Complaint narrative:
I went on website for gravity lending asking for rates and info. Didn't enter social security and get an alert shortly after a hard inquiry was placed on my credit. I did get a text about they were busy prior and even said I was only asking about rates. They talked to me after hard pull and kept saying disclaimer I signed. It was a one check box about getting stuff vis sms text. I never gave them approval or provided my social security to have my credit ran.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-15 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: DISCOVER BANK
State: TX

Complaint narrative:
Disputed a charge and ask that the funds be immediately released while it is being investigated

Company response to consumer: Closed with non-monetary relief