vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: PR

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-04-22 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: TN

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within XXXX business days. Please notify me of the actions taken in response to this request.

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 2025-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Viking Client Services
State: NE

Complaint narrative:
am writing to formally dispute the debt your company is attempting to collect on behalf of XXXXXXXX XXXX XXXX ( Reference # : XXXX ). This claim is invalid, as I returned the rental vehicle in the same condition it was rented, with no damages or mileage discrepancies. 

Key Facts : Rental Dates : Start : XXXX XXXXXXXX XXXX XXXX, End Date : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Checkout Receipt : An XXXX agent inspected and approved the vehicle at return, providing a signed receipt confirming proper condition and mileage ( attached ).

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Accordingly, I demand the following : Full documentation proving the alleged debt, including : XXXX  pre- and post-rental inspection reports ( mileage readings and date and time ) Mileage logs showing discrepancies ( my receipt confirms none ). 

Proof that I was notified of damages within a reasonable timeframe ( per XXXX  rental agreement ). 

Immediate cessation of all collection efforts until this validation is provided.

If Viking Collections can not validate this debt within 30 days, you must close this claim and notify credit bureaus to remove any erroneous reports. Failure to comply may result in legal action for FDCPA violations, including harassment or false representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-22 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Around XX/XX/2024 I financed a XXXX e-commerce course through Affirm. Before signing up, I had a XXXX XXXX with a representative named XXXX from the team of XXXX XXXX, who promised a 90-day money-back guarantee if I wasnt satisfied. This verbal guarantee is what convinced me to go forward with the purchase I was told I could make my money back within the 90 days or get a full refund. 

After enrolling and paying through Affirm, I was sent a written contract that did not include the 90-day refund policy that was promised on the call. I brought this up, and only after several days did they send a new version of the agreement but the updated guarantee had so many strict requirements and conditions that it made getting a refund practically impossible ( e.g., completing all content, launching ad campaigns, submitting detailed documentation, etc. ). None of these conditions were disclosed during the initial call when I made the purchase decision. 

At that point, I felt misled but had already signed the contract. I tried to move forward based on what I was told, but after requesting a refund, I was locked out of the course. I now do not have access to the service Im still being charged for making it impossible for me to even attempt to meet their refund conditions. 

Affirm has told me I have no choice but to continue paying, even though I feel I was sold this course through false and deceptive promises. When I attempted to dispute the charge and get support, I received no meaningful resolution. 

Additionally, the course provider XXXX XXXX has begun harassing me with legal threats, falsely accusing me of posting defamatory comments online under a XXXX username that is not mine. I have denied authorship, yet they continue to send threatening messages, which feels like an attempt to intimidate me and stop me from pursuing a refund. 

I would like to say that Affirm is the company I did the financing but the course company is XXXX XXXX, and they're the ones who are denying the refund and threatening me I am asking Affirm to pause or reverse this loan and request the CFPB to investigate this providers business practices, especially the bait-and-switch refund scheme, misrepresentation during sales calls, and retaliation when I tried to speak up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-04-22 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding inaccurate and inconsistent reporting by the major credit reporting agenciesXXXX XXXX and XXXXconcerning my Macys/American Express account . 

Specifically : XXXX  and XXXX  are reporting the account as closed. 

XXXX, on the other hand, is reporting the account as 120 days late. 

This discrepancy is not only confusing and misleading, but it also constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires that information furnished to consumer reporting agencies be accurate and consistent across all bureaus.

I did not authorize nor was I made aware of any activity that would warrant this derogatory and inconsistent reporting. The conflicting information is damaging my creditworthiness and financial standing.

I am requesting that this matter be fully investigated and that the inaccurate derogatory reporting be removed from my credit reports with all three bureaus immediately.

Please let me know what additional information or documentation is required to move this forward.

Thank you for your assistance in 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 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute to XXXX XXXX XXXX XXXX, regarding an alleged debt they are attempting to collect on behalf of LVNV Funding, LLC. This dispute was sent via certified mail and explicitly invoked my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), including a request for validation and a demand that all collection activity cease until such validation was provided. 

Despite receiving that notice, XXXX XXXX has sent me daily collection emails over the course of at least XXXX consecutive days, from XX/XX/XXXX through XX/XX/year> including contact on XXXX XXXX  and the federally observed holiday that followed. 

These emails were sent from multiple domains, including : XXXX XXXX XXXX XXXX These contacts were made without any validation being provided. The volume, frequency, and evasive sending behavior constitute a deliberate and coordinated campaign of harassment and disregard for federal law. 

This conduct violates : 15 U.S.C. 1692g ( b ) ( failure to cease collection after dispute ) 15 U.S.C. 1692c ( c ) ( continued contact after cease request ) 15 U.S.C. 1692c ( a ) ( 1 ) ( contact at inconvenient time ) 15 U.S.C. 1692d ( harassment through repeated contact ) 15 U.S.C. 1692e ( 8 ) ( potential misrepresentation about credit status ) I am documenting each instance of contact in an evidentiary log, and I have retained copies of emails for review. Some midstream emails were lost due to a local device failure, but the pattern is clear and continues uninterrupted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I, XXXX XXXX, am submitting this formal complaint to report that I have been a longstanding victim of identity theft, stemming from a XXXX XXXX XXXX that occurred on XX/XX/XXXX, at approximately XXXXXXXX XXXX, near the intersection of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin. During this traumatic event, I was XXXX XXXX XXXX XXXX XXXX  of my purse, which contained all of my personally identifiable information, including : Social Security Card Drivers License Birth Certificate copy Bank Debit Cards Insurance Cards Cell Phone and login credentials Despite filing a police report and taking the necessary precautions after the incident, over the years I have discovered numerous fraudulent accounts and hard inquiries appearing on my credit report from XXXX XXXX and XXXXaccounts I never applied for or authorized. 

The following are just a few of the unauthorized accounts and activities still affecting my credit today : XXXX. XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Not mine. 
XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Fraudulent. 
XXXX. XXXX Opened : XX/XX/XXXX Unauthorized. 
XXXX. XXXX XXXX Reported : XX/XX/XXXX Unknown to me. 
XXXX. Hard Inquiries from auto lenders, online finance companies, and department stores from XXXX to XXXX All unauthorized. 

These entries have no connection to me, and they have continued to appear across all three credit bureaus despite my repeated efforts to dispute them.As a result of this identity theft and the negligence of credit bureaus and creditors to properly verify these accounts, I have suffered : Severe drops in my credit score Denial of credit, housing, and employment opportunities Emotional distress, fear, and trauma related to the original robbery Repeated re-traumatization as I continue to explain and dispute these fraudulent entries Filed a Police Report with the XXXX Police Department in XXXX ( Report # : XXXX ) Submitted an Identity Theft Report to the FTC ( Report # : XXXX ) Requested and placed a 7-year extended fraud alert with all three credit bureaus Sent dispute letters and identity theft affidavits to XXXX XXXX , and XXXX  Notified the companies reporting the accounts and demanded deletion under FCRA 605B Sent supporting documents including my police report, FTC report, and proof of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: Velocity Portfolio Group
State: WI

Complaint narrative:
I, XXXX XXXX, am submitting this formal complaint to report that I have been a longstanding victim of identity theft, XXXX XXXX XXXX XXXX XXXXXXXX XXXX that occurred on XX/XX/XXXX, at approximately XXXXXXXX XXXX, near the intersection of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Wisconsin. During this traumatic event, I was hXXXX XXXX XXXX XXXX XXXX of my purse, which contained all of my personally identifiable information, including : Social Security Card Drivers License Birth Certificate copy Bank Debit Cards Insurance Cards Cell Phone and login credentials Despite filing a police report and taking the necessary precautions after the incident, over the years I have discovered numerous fraudulent accounts and hard inquiries appearing on my credit report from XXXX XXXX and XXXXaccounts I never applied for or authorized. 

The following are just a few of the unauthorized accounts and activities still affecting my credit today : XXXX. XXXX XXXXXXXX XXXX  Opened : XX/XX/XXXX Not mine. 
XXXX XXXX XXXX Opened : XX/XX/XXXX Fraudulent. 
XXXX. XXXX Opened : XX/XX/XXXX Unauthorized. 
XXXX. XXXX XXXX Reported : XX/XX/XXXX Unknown to me. 
XXXX. Hard Inquiries from auto lenders, online finance companies, and department stores from XXXX to XXXX All unauthorized. 

These entries have no connection to me, and they have continued to appear across all three credit bureaus despite my repeated efforts to dispute them.As a result of this identity theft and the negligence of credit bureaus and creditors to properly verify these accounts, I have suffered : Severe drops in my credit score Denial of credit, housing, and employment opportunities Emotional distress, fear, and trauma related to the original robbery Repeated re-traumatization as I continue to explain and dispute these fraudulent entries Filed a Police Report with the XXXX Police Department in XXXX ( Report # : XXXX ) Submitted an Identity Theft Report to the FTC ( Report # : XXXX  ) Requested and placed a 7-year extended fraud alert with all three credit bureaus Sent dispute letters and identity theft affidavits to XXXX XXXX XXXX  and XXXX Notified the companies reporting the accounts and demanded deletion under FCRA 605B Sent supporting documents including my police report, FTC report, and proof of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I requested full validation of an alleged debt that is being reported by Fair Collections & Outsourcing ( FCO ) related to an apartment lease. They responded with partial documentation ( lease agreement, fee breakdown, etc. ), but failed to provide proof that they have the legal right to collect this debt such as an assignment of debt or written authorization from the original creditor.

I also asked for full contact information of the original property/creditor and received only what was already included in the lease. I was told no one at the agency can provide the full validation I requested.

As this debt remains unvalidated under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am requesting that it be removed from all consumer and tenant screening reports until such proof is provided.

I made my request in writing and over the phone and was told they could not provide the documentation I asked for.

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 2025-04-22 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 you about the compromising of my social security number. I am a victim of Identity Theft due to the Equifax Data breach I contacted the Federal Trade Commission and filed complaint # XXXX. The information listed below, which appears on my Equifax credit report, does not relate to any transactions that I have made or accounts I have opened. It is the result of identity theft. 
1. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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