vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I am contacting regarding an unknown debt collection being placed onto my account by " AMSHER COMPASSIONATE XXXX '' for a {$490.00} XXXX phone bill that is not owed by me and was mistakenly placed due to XXXX 's error on closing a phone line. 

Previously, my XXXX account was a joint account with my ex-partner, who we shared a plan together. I am a victim and survivor of XXXX XXXX against my ex of XXXX  years. XX/XX/year> I had called police and escaped the apartment to which he had unfortunately taken his life in response. I was left under financial struggles but upon confirmation of his death, paid the final XXXX bills on XX/XX/XXXX and marked his phone for cancellation. I have not received any letters regarding this unpaid balance and my number is now shared on a new plan ( my mothers ), so I can no longer retrieve the previous information. 

I can provide all evidence of his death certificate ( confirming it was his phone number ), restraining order that was filed documenting the abuse and proof of the final bill payment email.I also have contacted XXXX support who confirmed it was mistakenly placed, was under my ex 's phone number and recommended I dispute the debt explaining my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: Zions Debt Holdings
State: TX

Complaint narrative:
I had an account with XXXX at XXXX point. However, there is an account that has been referred to Zion Debt Holdings. When I disputed this account and requested validaton I was provided with documents with a signature that does not belong to me. I contacted an FCRA attorney and they advised that I reach out to the CFPB since I did have an account, but also received documents from them you did not sign, we refer to the CFPB I have attached XXXX documents : XXXX called Our signatures and XXXX called " Not our signatures '' ( which is what was provided to me by XXXX when I requested validation )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This letter sent to XXXX XXXX. Removed personal information per CFPB instruction. This communication resulted from a phone call to XXXX XXXX today at XXXX XXXX EST call lasted 39 minutes. I was instructed to write the letter below to XXXX XXXX disputing it. The XXXX XXXX XXXX on the call stated and i knew that the {$100.00} was an increase in the credit line not owed funds. I was clear that the interest expense was {$0.00} and the penalty indicator at {$0.00}. Under penalty of perjury I have NEVER not paid my bill before the XXXX XXXX XXXX due date. 

Both TransUnion and XXXX are reporting inaccurate information. all one has to do is look at the {$0.00} owed. 

XXXX XXXX, 2025 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX RE : Dispute with XXXX  XXXX / Misapplied $ $ $ $ Reported the TransUnion ( Credit Line Increase Was Reported As A Balance On The XXXX XXXXXXXX Statement Please Note : Taking The Following Into Consideration For issues related to information that XXXX XXXX has reported to the credit reporting agencies, you can dispute directly with us. 
For issues on your credit report that are not related to your XXXX XXXX account, you can dispute with the credit reporting agencies or with other credit institutions. 
The Fair Credit Reporting Act ( FCRA ) gives you the right to dispute incomplete or inaccurate information. XXXX XXXX is required to report accurately and conduct reasonable investigations of disputes. We will investigate your dispute using the information you provide, and we will respond within 30 days of receiving the dispute. 

Dear XXXXl XXXX, Please be advice that I never place my full social security number in a letter. That is for obvious reasons. 

TransUnion and XXXX are reporting that I have an outstanding balance of {$100.00}. The information used was from the XX/XX/scrub> 2025 XXXXXXXX XXXX, 2025 ( 1st Page Enclosed ) report indicating a new balance of {$100.00}. In the same statement no debt obligation was incurred ( no penalty or interest payments required ), that is because I have made 100 % of any payment obligation well before the XXXX of a month ( the due date ), no question and confirmed by my bank. 

Here is what happened. My credit line increased by {$100.00}. It looks as though it was misapplied in the statement. My credit scored dropped! But I knew immediately I have never missed paying off owed funds before the XXXX XXXX due date. XXXX willing, I never will!!! 

So, how do we fix this and restore my good name? I would appreciate your assistance. 

Thank you,

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 2025-04-09 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: MA

Complaint narrative:
This letter sent to XXXX XXXX. Removed personal information per CFPB instruction. This communication resulted from a phone call to XXXX XXXX today at XXXX PM EST call lasted XXXX minutes. I was instructed to write the letter below to XXXX XXXX disputing it. The XXXX XXXX XXXX on the call stated and i knew that the {$100.00} was an increase in the credit line not owed funds. I was clear that the interest expense was {$0.00} and the penalty indicator at {$0.00}. Under penalty of perjury I have NEVER not paid my bill before the XXXX XXXX XXXX due date. 

Both XXXX and Experian are reporting inaccurate information. all one has to do is look at the {$0.00} owed. 

XX/XX/year>XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX RE : Dispute with XXXX XXXXXXXX / Misapplied $ $ $ $ Reported the XXXX ( Credit Line Increase Was Reported As A Balance On The XXXX XXXXXXXX Statement Please Note : Taking The Following Into Consideration For issues related to information that XXXX XXXX has reported to the credit reporting agencies, you can dispute directly with us. 
For issues on your credit report that are not related to your XXXX XXXX account, you can dispute with the credit reporting agencies or with other credit institutions. 
The Fair Credit Reporting Act ( FCRA ) gives you the right to dispute incomplete or inaccurate information. XXXX  XXXX is required to report accurately and conduct reasonable investigations of disputes. We will investigate your dispute using the information you provide, and we will respond within XXXX  days of receiving the dispute. 

Dear XXXX  XXXX, Please be advice that I never place my full social security number in a letter. That is for obvious reasons. 

XXXX and Experian are reporting that I have an outstanding balance of {$100.00}. The information used was from the XX/XX/year> XX/XX/year> ( XXXX Page Enclosed ) report indicating a new balance of {$100.00}. In the same statement no debt obligation was incurred ( no penalty or interest payments required ), that is because I have made XXXX XXXX of any payment obligation well before the XXXX of a month ( the due date ), no question and confirmed by my bank. 

Here is what happened. My credit line increased by {$100.00}. It looks as though it was misapplied in the statement. My credit scored dropped! But I knew immediately I have never missed paying off owed funds before the XXXX XXXX due date. XXXX willing, I never will!!! 

So, how do we fix this and restore my good name? I would appreciate your assistance. 

Thank you,

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 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To : Wells Fargo XXXX Department XXXX XXXX XXXX Request Unauthorized ATM Withdrawal Claim number XXXX Dear Wells Fargo, I am writing to formally request a reinvestigation of my recent fraud claim regarding an unauthorized ATM withdrawal on XX/XX/year>, in the amount of {$2100.00}, from my account ending in XXXX. 

My XXXX XXXX is in my position all the time and have not used it to withdrawal this money. 

This transaction was not authorized by me, and I did not receive any benefit from it. I believe your initial investigation did not fully consider the facts or evidence. I am requesting a copy of your findings under the Electronic Fund Transfer Act and a full reinvestigation. 



I would appreciate confirmation of receipt of this letter and expect a timely response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I WANT THIS INACCURATE ACCOUNTS REMOVED AND BLOCKED FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-04-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-09 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: NY

Complaint narrative:
I have not supplied proof under the XXXX  of XXXX  by XXXX, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-04-09 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: PA

Complaint narrative:
A company named XXXX is reporting on my credit report Account # XXXX Balance : {$1200.00} and the account is not mine. 

I asked Experian, Equifax and Transunion to investigate. I also requested Tek-collect to validate this debt. I asked for the following information : In accordance with the FDCPA, please provide the following : 1. The name and address of the original creditor.

2. A detailed itemization of the alleged debt, including how the amount of {$1200.00} was calculated.

3. A copy of any judgment ( if applicable ).

4. A copy of the original signed contract or agreement, or other proof that I have a legal obligation to pay.

5. Verification that you are legally authorized to collect debts in my state.

Tek-collect has failed to comply. If they do not have the information how is Experian, Transunion and Equifax verifying this account??? They are failing to properly investigate. 

Attached is a copy of the letter ( XXXX ) and emails Ive sent to Tek Collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
A company named XXXX is reporting on my credit report Account # XXXX Balance : {$1200.00} and the account is not mine. 

I asked Experian, Equifax and Transunion to investigate. I also requested Tek-collect to validate this debt. I asked for the following information : In accordance with the FDCPA, please provide the following : 1. The name and address of the original creditor.

2. A detailed itemization of the alleged debt, including how the amount of {$1200.00} was calculated.

3. A copy of any judgment ( if applicable ).

4. A copy of the original signed contract or agreement, or other proof that I have a legal obligation to pay.

5. Verification that you are legally authorized to collect debts in my state.

Tek-collect has failed to comply. If they do not have the information how is Experian, Transunion and Equifax verifying this account??? They are failing to properly investigate. 

Attached is a copy of the letter ( XXXX ) and emails Ive sent to Tek Collect.

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 2025-04-09 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: TX

Complaint narrative:
I am following up to formally request the removal of the items from my report that I previously asked to be deleted. Although I submitted this request several months ago and provided all necessary documentation, the items still appear on my account. I would appreciate an explanation for the delay and clarification on the steps needed to resolve 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 explanation
Consumer complaint received 2025-04-09 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: CO

Complaint narrative:
XXXX credit have now gotten to this point if not removed. XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CO

Complaint narrative:
XXXX credit have now gotten to this point if not removed. Applied bank. And credit first.

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 2025-04-09 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: CO

Complaint narrative:
XXXX credit have now gotten to this point if not removed. Applied bank. And credit first.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit info
rmation.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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