vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: NJ

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information. 
4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-06-06 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: NJ

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account.

Please note that I request all future communication regarding this matter be conducted in writing.

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XXXX of XXXX I switched homeowners insurance companies. I paid the payment two days late because I got the dates mixed up. In XXXX XXXX XXXX  charged me {$29.00} for a two day lapse a year ago. They then put in escrow in XXXX an entire year after this discrepancy. I was able to have them get me out of escrow. However, in XXXX they decided to pay my homeowners insurance for me even though I already paid it and I was not in escrow. This created a negative balance in escrow. I kept paying my mortgage just like I always did and then all of a sudden in XXXX, XXXX, and XX/XX/XXXX XXXX said my payments were short and decided to destroy my credit by saying I had 3 missed payments. The payments were not missed according to XXXX they were short after three years of negative escrow. They refunded the late feeds but refuse to take this off my credit. 

I got a call from XXXX agent # XXXX and she hung up on my twice. Then I got a call from XXXX the " XXXX '' who has no extension. Please help me. My payments were not late and it is hurting my credit. As anyone can see my payments have not changed.

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 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: IN

Complaint narrative:
On XX/XX/scrub>, 2025, around XXXX eastern, I called Wise to cancel a transaction that appeared to be glitched in the app. I spoke directly with an agent and the agent confirmed the transfer would be canceled given that the money had not yet been debited from my account. The agent then followed up with an email at XXXX XXXX  stating that the transfer was canceled and any debited money would be credited. This morning, XX/XX/year>2025 at XXXX XXXX  eastern, I received an email from Wise rhat the money had been sent. I followed up with the merchant and they confirmed that they received the money. When I called Wise they told me there was nothing that they could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$940.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CA

Complaint narrative:
A discover credit was used was mailed to me and account was opened in my name without my permission. I have not done anything with this account I am receiving calls from them as well, and my XXXX is too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are XXXX accounts being reported to all XXXX credit bureaus that I have tried relentlessly to prove should not be there. 
The first account is XXXX which was open without my knowledge nor permission. I contacted both the company and the bureaus XX/XX/year> and XX/XX/year> and they are still reporting this error even after formally written communication. 
The XXXX  account is with XXXX XXXX XXXX where it is being reported I am an authorized user on this account. I have contacted them XXXX  times XX/XX/year>, XX/XX/year> and XX/XX/year> asking for this information to be removed/ updated with no success at all. 
The XXXX  account is with XXXX where it is being reported I have late payments, when I have no knowledge of this account at all. I have contacted them XXXX  times XX/XX/year>, XX/XX/year> and XX/XX/year> asking for this information to be removed/ updated with no success at all. 
The XXXX  account is with XXXX where it is being reported I have late payments, when I have no knowledge of this account at all. I have contacted them XXXX  times XX/XX/year>, XX/XX/year> and XX/XX/year> asking for this information to be removed/ updated with no success at all.

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 2025-06-06 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: MI

Complaint narrative:
There are XXXX accounts being reported to all XXXX credit bureaus that I have tried relentlessly to prove should not be there. 
The first account is XXXX which was open without my knowledge nor permission. I contacted both the company and the bureaus XX/XX/year> and XX/XX/year> and they are still reporting this error even after formally written communication. 
The XXXX  account is with XXXX XXXX XXXX where it is being reported I am an authorized user on this account. I have contacted them XXXX  times XX/XX/year>, XX/XX/year> and XX/XX/year> asking for this information to be removed/ updated with no success at all. 
The XXXX  account is with XXXX where it is being reported I have late payments, when I have no knowledge of this account at all. I have contacted them XXXX  times XX/XX/year>, XX/XX/year> and XX/XX/year> asking for this information to be removed/ updated with no success at all. 
The XXXX  account is with XXXX where it is being reported I have late payments, when I have no knowledge of this account at all. I have contacted them XXXX  times XX/XX/year>, XX/XX/year> and XX/XX/year> asking for this information to be removed/ updated with no success at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. 
These accounts were opened or used without my authorization as a result of identity theft. 
I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence.

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 2025-06-06 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: IN

Complaint narrative:
Company wrongfully garnished my wages for a debt I do not know about or own. It is not on my credit report I am a victim of identity theft. An a survivor of XXXX XXXX. Currently in court again for motion to have my wages returned. XX/XX/year> next court date. Over XXXX garnished putting me in financial crisis. I live check to check with medical out the pocket cost and no transportation. I have verbally asked for them to stop harassing me I left voicemails and sent emails with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-06 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: NJ

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX Date : XX/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 2025-06-06 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: NJ

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
In or around XX/XX/year>, I took out a loan through Affirm for a purchase made on XXXX XXXX XXXX XXXX XXXX XXXX ). Shortly after the purchase, I became involved in a dispute with my then-landlord while residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result of the dispute, I was forced to vacate the premises, and the landlord retained possession of my property, including the items I purchased through Affirm. 

I immediately contacted Affirm to explain the situation and requested a cancellation or adjustment of the loan, as I never received the merchandise due to no fault of my own. Despite my attempts to resolve the matter and provide context, Affirm refused to stop the loan, stating that the incident was not related to their obligations. 

I paid off the loan out of protest and good faith, despite the fact that I received no benefit from the purchase, and I continued to be reported delinquent on my credit in the meantime. This has negatively impacted my credit report, and I believe it is an unfair and unreasonable outcome given the nature of the situation. 

I am seeking : Full removal of the negative item from my credit report, An investigation into the handling of this matter by Affirm, And a written acknowledgment that this situation was mishandled and resolved. 


Affirm has failed to offer any meaningful resolution or consumer protection in this matter, despite my repeated attempts to communicate in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
During a call with Equifax on XX/XX/year> from XXXX lasting XXXX minutes, I requested the removal of outdated personal informationthis was confirmed and completed.

However, when I asked for an expedited re investigation due to the threat of identity theft and a possible mixed file, I was denied.

I clearly cited my rights under federal law and explained that this situation directly impacts my access to housing, credit, and employment. Despite quoting the FCRA and explaining the urgency, I was told that no exception would be made and I must wait 30 days.

The representative placed me on multiple long holds before transferring me to a manager. I eventually spoke with XXXX, ID code XXXX, who repeated the same refusal. I even stated that I am a verified victim of the Equifax data breach, and that Ive received multiple alerts notifying me that my information has been leaked on the dark webincluding addresses, phone numbers, passwords, and employment history.

I am requesting that the CFPB intervene, investigate, and ensure that Equifax is held accountable for refusing to perform a timely and reasonable reinvestigation, despite being federally obligated under 15 U.S.C. 1681e ( b ) and 1681i ( a ).

claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Trans union is reporting an invalid contract on my credit report. The information below is what is on my cred it report and it is inaccurate. The company that I rented from cancelled my lease and allowed me to move out. I have provided proof that this lease was cancelled. I provided proof that the information that is on my credit report is inaccurate. Trans Union is refusing to take down the information. They have changed the information several times yet fail to remove. The numerous changes highlight the fraudulent nature of the posted information. The Information on my cred report has contradictions that highlight the fraud. The posted owed amount is a fictitious number. The Term of the contract is XXXX months and the balance is XXXX for money owed. They also indicated that they transferred this account to collections, when that is a false statement. This company has no contract to send to collections. This is also highlighted by the fact that the contract is posted with no end date only the start date. This derogatory information needs to be removed from my credit report. Trans Union is participating in fraud ignoring communications and is blocking me from making disputes online. 



Account Number XXXX XXXX XXXX XXXX XXXX Condition Derogatory Responsibility Individual Current Balance {$0.00} Original Balance {$2000.00} Limit XXXX XXXX Monthly Payment {$0.00} Last Payment Status Collection / Charge-Off Loan Term XXXX Loan Type Rental agreement Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Collection Account|Account closed due to transfer Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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