vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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 am writing once again regarding the fraudulent items that continue to appear on my credit report. Despite my repeated efforts to resolve this issue, I am still battling these unauthorized entries. It is extremely troubling that such inaccuracies can remain for such a prolonged period, especially when they stem from fraud and identity theft. I have also noticed that my credit report reflects incorrect personal information, which is allowing these inaccurate accounts to be tied to me. As a victim of identity theft, my personal details were misused, resulting in multiple accounts being reported under my name that I never opened or authorized. I followed the required steps, including filing an FTC report as instructed by Experian, and I provided this documentation. Yet, these fraudulent items are still present.

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 2025-08-29 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I constantly check my credit report and noticed that the inquiries were not authorized by me. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items below. 

IR Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/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 2025-08-29 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint Regarding Fingerhut Account Reporting Beyond Legal Time Limits FCRA Violation Dear CFPB Representative, I am submitting this formal complaint regarding a XXXX account that continues to be reported on my credit file by Equifax and TransUnion, despite being paid in full and over XXXX XXXX XXXX. 

This account has remained on my credit report well beyond the time legally allowed for negative or closed accounts under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ).

According to the FCRA : 15 U.S.C. 1681c ( a ) ( 4 ) states that accounts placed for collection or charged off must be removed seven ( 7 ) years from the date of the first delinquency. 

Even if the account is paid, it should not remain on my report for more than 7 years from the date of last activity if it was ever delinquent. 

If this was a positive account, then it should have been voluntarily closed or removed after a reasonable time. Keeping it reported indefinitelyparticularly when closed and paidis not justified. 

Despite this, the XXXX account is still appearing on both Equifax and TransUnion over XXXX years later, affecting the accuracy and fairness of my credit report. I have attempted to resolve this issue with the credit bureaus directly, but the account remains. 

I respectfully request that the CFPB : Investigate why Equifax and TransUnion are continuing to report an outdated, paid XXXX account beyond the legal time limits allowed by the FCRA. 

Require the removal of this account from all credit reports if it is found to be beyond the XXXX reporting window. 

Ensure that all consumer reporting agencies are held accountable for removing obsolete information, per 15 U.S.C. 1681c ( a ).

Attached are copies of my credit reports showing this account, along with the relevant details indicating it exceeds the 7-year limit. I ask that you review and take action to enforce my rights under federal law. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I attended XXXX XXXX, which closed while I was enrolled. I completed coursework, but my credits are not transferable to any accredited institution. The Department of Education denied my Borrower Defense claim, even though the school misrepresented its accreditation, faculty qualifications, and the transferability of credits. I now face repayment on loans for a program that provided me with no usable degree or transferable education.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-29 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:
In line with USC 1681g, these misrepresented accounts must be expunged within 15 days.

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 2025-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX Complaint Reference : XXXX Debt Collector : Aargon Agency , Inc . 
Creditor : XXXX XXXX Hospital Background I am filing this follow-up complaint because the debt collector, Aargon Agency , Inc. , has provided an inadequate and misleading response to my disputes regarding an alleged medical debt. Their most recent letter, dated XX/XX/year>, repeats the same assertions from their prior response and does not comply with the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). 



Issues With Collectors Response 1. False Statement of First Dispute Aargon claims this was my first dispute. This is demonstrably false. I have sent multiple written disputes directly to Aargon and the credit bureaus. Ignoring my prior correspondence and misrepresenting the history of my disputes shows bad faith and violates 15 U.S.C. 1692e ( false or misleading representations ).

2. Insufficient Verification Under FDCPA Aargon asserts that providing an itemized statement and a copy of alleged admission paperwork fulfills their duty. However, 15 U.S.C. 1692g ( b ) requires them to cease collection until they provide meaningful verification. Courts have held that parroting the creditors balance is not verification.

In cases of alleged fraud or identity theft, a mere unsigned or unverified document is not sufficient. They would need certified authentication from a handwriting expert or other reliable proof to demonstrate that the alleged signature belongs to me.

3. Failure to Address Identity Theft Allegations I have clearly alleged identity theft linked to the XXXX  data breach. Aargon has refused to meaningfully investigate this and continues to attempt collection. Under 15 U.S.C. 1681c-2, consumers have the right to block fraudulent information resulting from identity theft.

4. Ongoing FCRA Violations Aargon continues furnishing this disputed debt to credit bureaus without proper investigation, in violation of 15 U.S.C. 1681s-2 ( b ).

They claim they accurately report whatever their client provides, but the law requires reasonable procedures to ensure accuracy. Simply passing along unverified information is not compliant.

Violations FDCPA 1692g ( b ) Continued collection activity without proper verification.

FDCPA 1692e False statement that this was my first dispute.

FCRA 1681i & 1681s-2 ( b ) Failure to reasonably investigate disputed, potentially fraudulent information.

15 U.S.C. 1681c-2 Failure to block fraudulent identity theftrelated reporting.

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 2025-08-29 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: LA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-29 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: CA

Complaint narrative:
I am writing once again regarding the fraudulent items that continue to appear on my credit report. Despite my repeated efforts to resolve this issue, I am still battling these unauthorized entries. It is extremely troubling that such inaccuracies can remain for such a prolonged period, especially when they stem from fraud and identity theft. I have also noticed that my credit report reflects incorrect personal information, which is allowing these inaccurate accounts to be tied to me. As a victim of identity theft, my personal details were misused, resulting in multiple accounts being reported under my name that I never opened or authorized. I followed the required steps, including filing an FTC report as instructed by Equifax, and I provided this documentation. Yet, these fraudulent items are still present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
Despite my repeated efforts to dispute the fraudulent, inaccurate, and misleading information appearing on my consumer report, these items continue to remain unresolved. The presence of this unauthorized information has caused me considerable stress and financial hardship, as I never consented to or authorized the association of these accounts with my personal information. As a victim of identity theft, I require immediate assistance in removing these damaging entries that do not reflect my actual credit history or financial behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
I was at car repair shop in XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I was told its going to be $ XXXX for the repairs I applied for the easypay finance and I was approved. I only owe them $ XXXX I was told its needs to be paid within XXXX days.. I couldnt pay them back whole .. that was XX/XX/XXXX .. as of XX/XX/XXXX I have paid them $ XXXX I have proof of every payment .. now I was told I have to pay XXXX XXXX XXXX payments with a {$39.00} processing fee .. total would have been close to $ XXXX - its unfair how they are charging me so much interest ( a whole new loan at this point ) I have no property from them it was a credit loan for $ XXXX .. in the XXXX XXXX XXXX this is illegal .. XXXX at XXXX XXXX  interest rates disguise in leases. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute regarding a fraudulent account reported under my credit history. I never authorized or opened this account. Its reporting is false, misleading, and causing damage to my financial reputation.

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 2025-08-29 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: CA

Complaint narrative:
I constantly check my credit report and noticed that the inquiries were not authorized by me. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items below. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Paraphrased from my attachment fully detailing complaint : Request for CFPB Investigation on Rocket Mortgages lenders placed insurance draw from my mortgage for the XXXX policy period which I believe did not meet the notification requirements of RESPA. 

On XX/XX/XXXX received an Escrow Analysis that my 30yr fixed mortgage ( 15 years into it ) is going from $ XXXXmonth to $ XXXXmonth with the justification of placing LPI ( 525 % increase ). 
This is in direct conflict of a letter issued by the lender XX/XX/XXXX that the lender is cancelling all steps towards placing insurance on the property. 
This power point shows for the XX/XX/XXXX policy term the lender did not inform consumer nor issued/funded the policy during its term, leaving the consumer totally unaware a policy ever existed during the term. 
I believe the XX/XX/XXXX LPI premium withdraw should be removed from the escrow account as it was not issued IAW RESPA This behavior appears to be systemic with this lender as it took 5 months after the XX/XX/XXXX policy term startedand only upon consumer request ( 3+ hour phone call ) that the consumer received proof of insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: MD

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As mandated by USC 1681g, these incorrect entries must be removed within 15 days.

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 2025-08-29 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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