vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account NameXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: PA

Complaint narrative:
Credit Control LLC is attempting to collect a debt that is a fraudulent debt that is a result of identity theft.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : Experian Dispute Department / Legal Department XXXX Experian XXXX XXXX, TX XXXX Subject : Formal FCRA Dispute Inaccurate Reporting of Late Payments on Closed Mortgage Accounts To Whom It May Concern, This is a formal dispute and request for deletion of inaccurate late payment data on two closed mortgage accounts currently listed on my Experian credit file.

1. 

XXXXXXXX XXXX ( Acct Ending : XXXX ) This account is reported as : Despite this, Experian is still reporting late payments ( including XX/XX/XXXX ), which contradicts the pay status. Under FCRA 1681i, Experian must correct or delete information that is internally inconsistent or unverifiable. I request a full Method of Verification under 1681i ( a ) ( 7 ), including : The name of the party who verified the data The date and method used All documentation used in the verification 2. 

Freedom Mortgage ( Acct Ending : XXXX ) This account was closed on XX/XX/XXXX and also states : Yet Experian continues to report late payments on this account, which directly conflicts with its final status. Again, I request immediate deletion of these late entries and a written Method of Verification.

These inaccuracies are damaging my credit standing and are in violation of : FCRA 1681i ( a ) failure to ensure maximum possible accuracy FCRA 1681s-2 ( b ) failure to correct inaccurate or incomplete information after notice Metro 2 Guidelines requiring consistency in account status, pay history, and remarks If Experian can not verify these late payments with documentation from the original furnishers within 15 days, they must be deleted under federal law. I also intend to escalate this matter with the CFPB, FTC, and may pursue legal action under FCRA 1681n for willful noncompliance. 

Sincerely, 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 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Phone : XXXX Date : XX/XX/XXXX TO : Aargon Agency , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX RE : FORMAL DISPUTE DEMAND FOR ORIGINAL CONTRACTS & LEGAL VALIDATION ( FCRA 605B / FDCPA 809 ( b ) ) To Whom It May Concern, This letter serves as your formal legal dispute and demand for full validation of the following account that is currently being reported to the credit bureaus : AARGON AGNCY Acct # XXXX {$140.00} I do not acknowledge or accept this alleged debt, and I am invoking my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). You are now on legal notice and required to provide all of the following documentation within 15 calendar days of receiving this dispute : A wet-ink signed contract between myself and the original creditor A wet-ink signed contract between myself and Aargon Agency, Inc. , proving you have lawful authority to collect or report this alleged debt A complete itemized breakdown of the {$140.00} balance being claimed A valid assignment or purchase agreement showing your legal ownership or collection rights Documentation of your permissible purpose under FCRA 1681b to access and report information to the credit bureaus Written confirmation that this account is not the result of identity theft, fraud, or reporting error, in accordance with FCRA 605B and 609 ( a ) ( 1 ) Billing statements, digital summaries, and screenshots do not meet the requirements for legal debt validation. 
If you can not provide the above documentation, you are required under federal law to immediately remove this account from XXXX XXXX XXXX XXXX 

Failure to comply will result in : Complaints filed with the CFPB, FTC, Illinois Attorney General, and XXXX Formal disputes with the credit reporting agencies demanding deletion Immediate pursuit of arbitration or litigation for : FCRA 1681i and 1681s-2 ( b ) violations FDCPA 809 ( b ) violations UCC 3-501 Failure to produce valid and enforceable documentation Should I find that you used XXXX or another automated system to verify this debt, that will be considered willful failure to investigate and added to my legal claims. 

FINAL WARNING : No signed contract = No legal debt = DELETE IT IMMEDIATELY. 
Continued reporting of unverifiable debt = lawsuit, penalties, and damages. 
This is your final legal notice. You are expected to act in full compliance with all federal consumer protection laws. 

Govern yourselves accordingly. 

Sincerely, 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 2025-07-08 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: PR

Complaint narrative:
On XX/XX/XXXX, I submitted a {$50.00} payment to my Discover account. The payment cleared from my bank account ( XXXX XXXX ) on XX/XX/XXXX, as confirmed by my bank records and screenshots. Despite this, Discover charged me a late fee of {$30.00} and never applied the payment to my account. 

I contacted Discover multiple times asking for clarification and to fix the issue, but they never resolved it or returned the {$50.00}. If the payment had truly failed, I should have received the money back, but it was never refunded. Instead, they claim the payment failed and charged me a fee for it. 

I believe this is an error or misconduct. I sent proof of the transaction, but they still havent addressed the problem or given a proper explanation. Im requesting that Discover reverse the {$30.00} fee and credit back the {$50.00} that was wrongly taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have initiated to transfer payment to my daughters CHASE checking from my CHASE account on XXXX twice ( $ XXXX and XXXX ) due to low balance in her account which I did many times in past via XXXX. I had to use original XXXX phone # that she listed when she opened account few years ago in order for previous transactions to work. So, I assumed that I continue to use that phone number since XXXX didnt let her update XXXX XXXX #. However, these XXXX transactions didnt show up in her account as of today XXXX. I called CHASE and she called CHASE and we provided details of both of our accounts and explained issues and sent emails. I was on call and was transferred to many departments and I was told to wait until XX/XX/year> to receive this back and there is no guarantee that I will receive that money back. We are in panic mode at this time. I did try to reach that phone number which was disconnected by calling and it seems that it is assigned to new person but at the same time I found out that number has not listed with XXXX any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL 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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-08 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: EQUIFAX, INC.
State: LA

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 XX/XX/XXXX -- {$430.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX XXXX {$1800.00} XXXX  # XXXX XX/XX/XXXX -- {$2500.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$1300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account NameXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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 2025-07-08 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:
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 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, North Carolina XXXX, XXXX, XX/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 non-monetary relief
Consumer complaint received 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). Please remove all fraudulent information from my credit 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 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the accuracy of the following addresses listed on my credit report, which do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX These addresses are incorrect, and I have no affiliation with them. I kindly request that these addresses be removed from my credit report as they are inaccurate and do not reflect my personal information.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Properly Verify Disputed Information Fair Credit Reporting Act Violation Filed Under : FCRA 1681i ( 7 ), 1681e ( b ), 1681n, 1681o I, Deja Redmond, am submitting this complaint to report the credit reporting agencys failure to conduct a proper reinvestigation and verification of inaccurate and unauthorized items on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ).

As a consumer, I am entitled to a detailed explanation of the reinvestigation procedures used to verify disputed information pursuant to 15 U.S.C. 1681i ( 7 ). Despite my dispute, I have not received the required documentation or satisfactory proof validating the reported items. The agency has not provided evidence that the information is accurate, complete, and verifiable as required by law. 

Disputed Items Incorrect Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Properly Verify Disputed Information Fair Credit Reporting Act Violation Filed Under : FCRA 1681i ( 7 ), 1681e ( b ), 1681n, 1681o I, Deja Redmond, am submitting this complaint to report the credit reporting agencys failure to conduct a proper reinvestigation and verification of inaccurate and unauthorized items on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ).

As a consumer, I am entitled to a detailed explanation of the reinvestigation procedures used to verify disputed information pursuant to 15 U.S.C. 1681i ( 7 ). Despite my dispute, I have not received the required documentation or satisfactory proof validating the reported items. The agency has not provided evidence that the information is accurate, complete, and verifiable as required by law. 

Disputed Items Incorrect Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
XX/XX/year> To Whom It May Concern, This letter is a formal request for validation of the alleged debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. I do not acknowledge or accept this debt, and I request that you provide the following documentation as required by federal law : 1. A complete copy of the original signed contract or agreement bearing my signature that creates the alleged debt.

2. A full and unbroken chain of title showing legal ownership of the alleged debt, from the original creditor to your agency. This includes : - The bill of sale or purchase agreement between the original creditor and any subsequent debt buyers. 
- All flow agreements governing the transfer or servicing of the alleged debt. - Any and all assignment contracts or transfer of assignment documents.

3. Proof of your legal right to collect on this debt, including documentation of your authorization or license to collect in my state.

4. An itemized breakdown of the alleged debt, including : - The original balance - All interest, fees, payments, and charg
es added since the debt originated - The dates and amounts of any transactions related to the account 5. Identification of the original creditor and account, including : - The original account number - The date of default - The date the alleged debt was charged off, if applicable 6. A copy of your company 's collection authority, including any relevant contracts showing your agency has the right to collect or report this debt.

Until the above documents are provided and the debt is validated, I request that you immediately cease all collection activities and stop reporting this account to any credit reporting agencies, in compliance with the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
If you can not provide the above documentation within 30 days of receiving this letter, you must cease further contact and delete any reference of this alleged debt from any credit report to which it has been reported. 
This is not a refusal to pay, but a request for validation as provided by law. 
Sincerely, [ Signature not required if sending electronically or by mail without return ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation