vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TN

Complaint narrative:
On XX/XX/year>, I spoke to an AFNI representative about a disputed debt related to an insurance claim. I had already forwarded them an email from XXXX confirming the matter was a word vs. word case not a settled liability. 

I told the representative I did not owe this debt and didnt understand why they were continuing to contact me. She responded with extreme hostility and belittlement, saying : > What, do you think this is your 15 minutes of fame? Do you think the local news will pick this up? 



Since that call, I have received over 30 additional calls, despite making it clear the debt was disputed and causing me XXXX XXXX. I have documented call logs and sent a formal Notice of Intent to Sue under the FDCPA. 

I am requesting that the CFPB investigate AFNI for harassment, failure to honor a dispute, and abusive communication tactics that violate the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
This letter is to dispute the collection account that is being reported on my credit profile. Despite a formal request for debt validation, I have received no credible documentation proving that I owe this amount or that your agency has the right to collect or report it.

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-07 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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

Complaint narrative:
" I found an inaccurate negative item on my credit report. I contacted the furnisher, XXXX and havent received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item and I also sent them a copy of identity theft report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: LA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian reporting agency, block information appearing on my consumer credit report that is the result in identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate and false information consist of an account named XXXXXXXX XXXX  opened XX/XX/XXXX with account number XXXX, a XXXX XXXX XXXX XXXX account XXXX XX/XX/XXXX with account number XXXX, a XXXX account opened XXXX, XXXX XXXX with account number XXXX, an auto loan account XXXX opened XX/XX/XXXX with account number XXXX, XXXX XXXXXXXX XXXX opened XX/XX/XXXX with account number XXXX. These accounts have resulted in several fraudulent reporting to my consumer FICO credit report. I have attached a list of the fraudulent accounts as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, chargeoffs as reported. The aforementioned accounts and chargeoffs appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts and chargeoffs are a result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, chargeoffs are the result of identity theft and fraud.

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 2025-07-07 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:
I have identified what I believe to be a misreported late payment on my credit report. I am confident that this entry is inaccurate and request that it be re-evaluated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
" I found an inaccurate negative item on my credit report. I contacted the furnisherXXXX XXXX XXXXXXXX and I havent received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I went on Vacation to XXXX and visited XXXX XXXX where I went to the XXXX XXXX. At this mall I shopped in a store with signage and all merchandise portrayed as XXXX. I made several purchases in this store under the assumption it was a XXXX, XXXX outlet as this was a large legitimate mall near the XXXX XXXX XXXX XXXX XXXX. It was not a flea market or other type of street outlet where I might expect counterfeit goods. It was designed as a very high end store in the style of XXXX. 
All of the goods I purchased are XXXX designs and the labels and the shopping bag they gave me were all marked XXXX. 
However, when I returned to the XXXX, I learned through internet information and the official XXXX site that these stores are indeed fraudulent and use a XXXX XXXX XXXX loophole to label and sell fake goods. 
These goods were not inexpensive and needless to say I am upset that these goods were portrayed as real but they are not, and they are not worth the prices paid. 
It took me some time to figure out who actually owned this store because it isnt even listed on the mall website, there is no online presence or contact information on anything I received. 
The charge records mention a company called XXXX XXXX which I also believe is a sort of made up designer that is only present in the XXXX XXXX. 
I wrote a letter to them expressing my concerns and asking for a refund. This letter has been uploaded. They never responded to this letter. 

I opened a dispute regarding the goods with American Express. They continue to close the dispute even though I have submitted pages of information regarding the goods being fake. Yes, I do not dispute the purchase of these goods. I do dispute being satisfied with being sold inferior, fake goods under the pretense of them being original. 

they keep telling me the retailer has provided a return policy but this is untrue. They have only present a copy of the receipt. The retailer has never addressed the fake nature of the goods sold. American Express refuses my attempts to have this addressed.

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

Complaint narrative:
Upon reviewing my recent credit report, I noticed a hard inquiry from an entity with whom I have no current or past business relationship. I never authorized this entity to access my credit report, and I have not applied for credit with them.

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

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting a formal complaint against Equifax regarding several debt collectors including XXXX XXXX XXXX, XXXX XXXX XXXX, and others that were originally listed as collections but have since been reclassified as closed accounts with balances still reporting. 

These accounts were previously disputed and have never been properly verified. None of the furnishers have provided contracts, statements, or chain of title documentation to validate their legal right to collect or report. 

Equifax is continuing to report these as closed tradelines with balances, which is misleading, damaging, and possibly duplicative of collections appearing under other agencies. This practice violates FCRA 1681i and 1681s-2 ( b ). 

I am requesting a full deletion of any XXXX XXXX, XXXX, or related accounts that remain unverifiable or inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
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 {$0.00} XXXX XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX XXXX  {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  {$450.00} XXXX XXXX XXXX XXXX XXXX  {$1000.00}

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

Complaint narrative:
I was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to act swiftly and remove fraudulent accounts within 4 business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and legitimacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-07 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
the original debt owned by XXXX XXXX, I never received any bills or emailed billing statements. I attempted to pay the debt online and over the phone, their systems did not accept the payments, the online account was disabled and when I tried to pay as a guest the account was not found. this was in XXXX  then the next thing I get is a summons that I was being sued by portfolio associates llc, I had no idea the debt was sold and due to not being billed I had forgotten about the account.

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

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-07 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am filing a complaint regarding the account listed above with XXXX XXXX XXXX as reported by XXXX XXXX. I believe the information provided regarding this account is inaccurate, and I am requesting a full investigation into the matter. Specifically, I dispute the accuracy of the balance owed and the reporting of this account on my credit file. I request that the Consumer Financial Protection Bureau ( CFPB ) assist in resolving this issue by requiring XXXX XXXX and Fair Solutions to provide the necessary documentation and verification to support the reported balance.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-07-07 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: GA

Complaint narrative:
XXXX XXXX is reporting a charge-off account on my credit report that contains multiple factual inaccuracies and is not verifiable under FCRA 611 ( a ) ( 1 ).

The reporting fails Metro 2 compliance, including inconsistent balance updates, misaligned dates, and payment history that is incomplete or unclear. The account shows past due amounts that were allegedly written off, which is contradictory and misleading. 
Additionally, I have not received documentation or a signed contract verifying that this account belongs to me. This account was allegedly sold or transferred, and no party has presented proof of assignment or right to collect. 
I am requesting permanent deletion, not correction, under FCRA 609 and 611 due to the account being unverifiable, inaccurate, and misleading. This information is causing unjustified harm to my credit profile and must be removed in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting a charge-off account on my credit report that contains multiple factual inaccuracies and is not verifiable under FCRA 611 ( a ) ( 1 ).

The reporting fails Metro 2 compliance, including inconsistent balance updates, misaligned dates, and payment history that is incomplete or unclear. The account shows past due amounts that were allegedly written off, which is contradictory and misleading. 
Additionally, I have not received documentation or a signed contract verifying that this account belongs to me. This account was allegedly sold or transferred, and no party has presented proof of assignment or right to collect. 
I am requesting permanent deletion, not correction, under FCRA 609 and 611 due to the account being unverifiable, inaccurate, and misleading. This information is causing unjustified harm to my credit profile and must be removed in full.

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