vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: DC

Complaint narrative:
I received notice on XX/XX/XXXX that my student loan servicer had transferred my account to a new provider. However, I did not receive my first billing statement or payment instructions from the new servicer until XX/XX/XXXX, almost four months later. Despite this delay, I was notified in XX/XX/XXXX that my credit score had dropped significantly due to reported missed payments on the loan. This is inconsistent with standard reporting practices, as I did not receive any billing statements between XXXX and XXXX, and missed payments are typically reported only after 90 days of delinquency, meaning the reporting of missed payments by XXXX was either premature or improper. When I contacted the new servicer, they claimed to have emailed me about the transition, but I was never properly or clearly informed, nor was any follow-up communication provided through other reliable channels. I was not given sufficient notice or guidance to make timely payments under the new servicer, which led to several delinquencies being reported on my credit. Prior to this, I had maintained a strong repayment history with no missed payments. As a result of this negative reporting, I have experienced financial setbacks including difficulty qualifying for credit, higher interest rates, and being denied an apartment, all of which have caused unnecessary stress and limited my financial options. I am requesting a full investigation and removal of the inaccurate or unfair negative marks from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Recently, I did an an investigation on my report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-09-24 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:
After reviewing my credit report I noticed a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my TransUnion credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question is : XXXX card service account # XXXX Status of account is closed with {$0.00} balance/ Paid, Closed ; was Paid as agreed This reporting is inaccurate and misleading. Under 15 U.S.C. 1681e ( b ), TransUnion is required to follow reasonable procedures to assure maximum possible accuracy of information in consumer reports. The manner in which this account is currently reported does not reflect accurate or complete information, and therefore creates a negative and unfair impression of my credit history. 

I am requesting that TransUnion : 1. Conduct a reasonable reinvestigation of this account under 15 U.S.C. 1681i, and 2. Either correct the reporting to reflect accurate information, or remove the account entirely if accuracy can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
Fair Collections & Outsourcing ( FCO ) is reporting a {$9500.00} collection account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) on my credit report. I am not liable for this debt, and there is no written, verbal, or documented agreement linking me to it. 
This account is being reported inaccurately, including : Illegal re-aging account opened XX/XX/XXXX ; balance updated XX/XX/XXXX, which may misrepresent the original debt.

Misleading payment history shows C and ND without accurate delinquency info.

False terms reporting 1 Month terms on a collection account.

Balance/status inaccuracies shows past due balance updates with no payment activity.

Incorrect joint reporting I am not liable ; joint status is false.

Violations of Law : FCRA 605 ( c ) reporting period must start from original delinquency.

FCRA 607 ( b ) must follow procedures to ensure maximum possible accuracy.

FCRA 611 ( a ) failure to investigate dispute.

FCRA 623 ( a ) ( 1 ) ( A ) & ( b ) ( 1 ) furnisher must report accurate info and investigate disputes.

FDCPA 807 ( 8 ) prohibits false or misleading representations of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
Hi I have a debit on my credit that does not belong to me. Its through aargon agency. Its for {$1000.00}. I have never lived at the address they said it was from. I have lived with my fianc for the last XXXX  years or more so I dont and didnt need electricity in my name. I am not sure how anyone got my social security number but I never authorized anyone to use my number for anything. I have even called the management of the property it was at and she couldnt give me anyones information. Im not sure what to do but at this point someone has stolen my social security number and used it without my knowledge

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 2025-09-24 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: NY

Complaint narrative:
Hello, Upon reviewing my recent consumer credit report, I noticed that there are inaccurate entries related to my account that are not consistent with my payment history. I have always maintained on-time payments and have acted as a responsible borrower. 

The account in question appears to show missed payments and remains on my report, despite being closed for several years. To my knowledge, this account dates back approximately XXXX years, and I have never missed a payment on it or any other account. 

As you know, credit reporting agencies rely on accurate data from creditors, and it is essential that all reported information reflects the truth. Inaccurate reporting can have a serious negative impact on consumers, as it has in my case. 

I am formally requesting an immediate investigation into this matter. Please provide documentationsuch as account statements or payment recordsthat supports the reported delinquencies. If no such evidence exists, I respectfully request that the incorrect information be removed or updated to accurately reflect my on-time payment history. 

AcctXXXX  I take my financial responsibilities seriously and ask that this matter be addressed promptly. Please confirm receipt of this message and advise on the next steps toward resolution. 

Thank you for your time and prompt attention.

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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc.
State: GA

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX for willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding a fraudulent collections account that they are unlawfully reporting on my credit file. 

Facts of the Case : XXXX XXXX XXXX XXXX is reporting a collections account they claim to have acquired from XXXX XXXX XXXX. 
This account does not belong to me. The debt was incurred at a residence I have not lived in for over XXXX years. 
The balance in question belonged to a different individual, XXXX XXXX, not me. 
Since this matter was made known to me, the actual responsible party has already paid XXXX in full. XXXX has updated their records to a XXXX balance. 
Despite the above, XXXX XXXX XXXX XXXX continues to report this collection account on my credit reports as unpaid and active. 

Violations of Federal Law : XXXX. FCRA Violations ( 15 U.S.C. 1681 et seq. ) : XXXXt XXXX XXXX XXXX is knowingly reporting inaccurate and false information to the consumer reporting agencies. 
They have failed in their duty to ensure maximum possible accuracy under 1681e ( b ).

They have ignored clear proof that this account does not belong to me, violating 1681s-2 ( a ) and 1681i. 
XXXX. FDCPA Violations ( 15 U.S.C. 1692 et seq. ) : XXXX XXXX XXXX XXXX is attempting to collect a debt that is not mine, which is a direct violation of 1692e ( 2 ) ( A ) ( false representation of the character, amount, or legal status of a debt ). 
By continuing to report and attempt to collect on a fraudulent account, they are engaging in unfair and unconscionable practices under 1692f.

They have failed to properly investigate or validate the debt once disputed, violating 1692g ( b ). 

Requested Remedy : I am demanding the immediate and permanent deletion of this fraudulent collection account from all consumer reporting agencies ( XXXX XXXX and XXXX  ). XXXXXXXX XXXX XXXXXXXX XXXX has no legal right to continue reporting or attempting to collect on this account, and their actions are causing direct and irreparable harm to my credit standing, reputation, and financial opportunities. 

Failure to act swiftly will subject XXXX XXXX XXXX XXXX to further regulatory action, civil liability, and potential damages under both the FCRA and FDCPA.

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 2025-09-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Subject : Formal Dispute for Inaccurate and Incomplete Credit Reporting To Whom It May Concern, This letter serves as a formal complaint and dispute against Experian for reporting inaccurate, incomplete, and unauthorized credit information on my consumer file. 



I am disputing the erroneous items listed below that currently appear in my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am demanding that you provide written documentation of the procedures used to verify these accounts. If you are unable to verify their accuracy, they must be deleted immediately, as they are unlawfully damaging my credit and financial well-being. 



Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have a fundamental right to financial privacy. Section 1681 ( 4 ) of the FCRA further emphasizes the importance of maintaining maximum possible accuracy and protecting consumer credit information.

Experian is also in violation of 15 U.S.C. 1681b ( 2 ), as there exists no permissible purpose to maintain or furnish inaccurate information. The continued reporting of these accounts represents a direct violation of my privacy rights. 



Furthermore, under 18 U.S.C. 1028a, the misuse of personal information and identity theft constitute federal crimes. Any continued reporting of fraudulent or unauthorized information must cease immediately. 



Lastly, 15 U.S.C. 1681c-2 requires credit reporting agencies to block all information resulting from identity theft. The presence of such items on my report is a direct violation of my rights as a consumer. 



Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15 U.S.C. 1681s-2 Terms and conditions were not clear and conspicuous, and no opt-out option was disclosed. Reporting constitutes unlawful transfer of private information. 

Action Requested : DELETE FROM CREDIT REPORT. 





XXXX XXXX Account XXXXXXXX XXXX XXXX No written agreement exists. I never signed or participated in any contract with this furnisher. 

Action Requested : DELETE FROM CREDIT REPORT. 



Final Demands Provide written verification procedures for each disputed account. 



Delete or block all inaccurate, unauthorized, or unverifiable information. 



Send me an updated corrected credit report. 



Cease all further unauthorized reporting in violation of federal law. 



Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages under 15 U.S.C. 616 & 617. 



Respectfully, 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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have not been working due to health issues that I have been experiencing. I have a XXXX account ending in XXXX thats been charging me {$34.00} per transaction in overdraft fees. I currently have a total balance of {$1100.00} dollars worth of overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have had a XXXX dollar credit balance on my closed card for weeks and multiple statement cycles due to a refund. I am amazed that Citi is still holding onto this balance after all this time without refunding it. I can not access my account online as I shredded my card ( website is requesting verification using security code ), and the phone system continues to inform me of a credit balance. I have not received any letters or checks from Citi regarding this yet.

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 monetary relief
Consumer complaint received 2025-09-24 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:
I am extremely distressed to see that this inaccurate account is still on my credit report and has not been taken off. I am pleading for the documents Ive attached to be carefully reviewed so I can finally stop living in constant wI am deeply troubled to see that the inaccurate accounts are still appearing on my credit reports, and they have not been taken off. This has left me with no peace of mind, and I am begging that the documents I have attached be examined carefully so that I can finally stop living in constant worry.orry over this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: OH

Complaint narrative:
hello, I would like to file a dispute with Equifax because XXXX days ago XX/XX/year> XXXX XXXX XXXX was reported good and current standards now all of a sudden XX/XX/year>. It is now showing XXXX  days past due that is incorrect and inaccurate information. I am going to copy and paste my payments. This is against the FRCA with their keep on reporting in accurate information and its really interfering in my lifestyle and my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the XXXX XXXX XXXX XXXX online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : Credit Score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with XXXX  under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, XXXX reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I am contacting you regarding the derogatory account you furnished to the credit bureaus : - Creditor/Furnisher : Upgrade , Inc . 
- Account XXXX ( masked ) : XXXX - Status Reported : Personal loan, charged-off This tradeline was disputed with the credit bureaus. You verified it without producing original evidence. Such verification is inadequate and violates your obligations under the Fair Credit Reporting Act ( FCRA 623 ( a ), 623 ( b ), 611 ) and the XXXX  Consumer Fraud and Deceptive Business Practices Act ( XXXXXXXX XXXX XXXXXXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the XXXX XXXX XXXX XXXX online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

This is a formal complaint against ALLY FINANCIAL a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

ALLY FINANCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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