vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: VA

Complaint narrative:
Your Name XXXX XXXX Your Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Social Security Number XXXX Date of Birth XX/XX/XXXX Phone Number XXXX XX/XX/XXXX To : [ Experian ] XXXX  XXXX XXXX XXXX, XXXX  XXXX [ Equifax ] XXXX. XXXX XXXX XXXX, XXXX  XXXX [ TransUnion ] XXXX. XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX Also known as XXXX XXXX Account numberXXXX  Subject : Formal Debt Dispute, Request for Validation, and Prohibition on Sale or Transfer Dear EXPERIAN, TRANSUNION, & EQUIFAX This is a formal dispute of the above-referenced alleged debt and a request for validation. This is not an acknowledgment of liability. 

To the Debt Collector ( FDCPA 15 U.S.C. 1692g ) : I request that you provide complete validation of this debt, including : 1. The exact amount of the alleged debt, with a detailed itemization of all interest, fees, and charges.

2. The full name and address of the original creditor.

3. A complete payment history and accounting showing how the balance was calculated.

4. Copies of all signed contracts, agreements, or documents that prove my legal obligation to pay.

5. Documentation proving your authorization to collect in my state. 


Until this is provided in writing : You are prohibited from selling, transferring, or assigning this debt to another entity. 
You must cease all collection activity, including reporting or continuing to report to any credit bureau.

To the Credit Bureaus ( FCRA 15 U.S.C. 1681i ) : I dispute the accuracy and completeness of this account in my credit file. Under the FCRA, you are required to : Conduct a reasonable reinvestigation of the account.

Verify the account with complete and accurate documentation from the furnisher ( debt collector ). 
Remove or correct the account if the furnisher fails to provide sufficient evidence within the statutory timeframe. 


Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and may result in legal action. 

I expect a written response within 30 days from receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: VA

Complaint narrative:
Your Name XXXX XXXX Your Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Social Security Number XXXX Date of Birth XX/XX/XXXX Phone Number XXXX XX/XX/XXXX To : [ Experian ] XXXX  XXXX XXXX XXXX, XXXX  XXXX [ Equifax ] XXXX. XXXX XXXX XXXX, XXXX  XXXX [ TransUnion ] XXXX. XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX Also known as XXXX XXXX Account numberXXXX  Subject : Formal Debt Dispute, Request for Validation, and Prohibition on Sale or Transfer Dear EXPERIAN, TRANSUNION, & EQUIFAX This is a formal dispute of the above-referenced alleged debt and a request for validation. This is not an acknowledgment of liability. 

To the Debt Collector ( FDCPA 15 U.S.C. 1692g ) : I request that you provide complete validation of this debt, including : 1. The exact amount of the alleged debt, with a detailed itemization of all interest, fees, and charges.

2. The full name and address of the original creditor.

3. A complete payment history and accounting showing how the balance was calculated.

4. Copies of all signed contracts, agreements, or documents that prove my legal obligation to pay.

5. Documentation proving your authorization to collect in my state. 


Until this is provided in writing : You are prohibited from selling, transferring, or assigning this debt to another entity. 
You must cease all collection activity, including reporting or continuing to report to any credit bureau.

To the Credit Bureaus ( FCRA 15 U.S.C. 1681i ) : I dispute the accuracy and completeness of this account in my credit file. Under the FCRA, you are required to : Conduct a reasonable reinvestigation of the account.

Verify the account with complete and accurate documentation from the furnisher ( debt collector ). 
Remove or correct the account if the furnisher fails to provide sufficient evidence within the statutory timeframe. 


Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and may result in legal action. 

I expect a written response within 30 days from receipt of this letter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.

In accordance with the Fair Credit Reporting Act, I hereby request that you conduct an investigation into these items and remove them from my credit report. It is my understanding that you are required to verify this information with the respective creditor. Any information that can not be verified by the creditor should be promptly deleted from my report. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receiving this letter. Please also send an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Additionally, I kindly ask that you send correction notices to any parties who have received my credit report in the past six months. Thank you for your attention and assistance in resolving this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax refuses to release my credit score and/or report to a XXXX XXXX XXXX XXXX . I applied for a loan regarding home improvement projects and things of this nature. I have Equifax numerous times asking them to fix this issue however, they continue to fail to do so. I also have contacted XXXX XXXX XXXX XXXX to inquire regarding the status of my loan application. They have stated numerous times specifically Equifax has placed an unauthorized block and/or fraud alert on your credit file, and they are unable to pull the credit. This situation is causing great stress as well as being a financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-15 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-15 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: ME

Complaint narrative:
I have a debt on my credit of {$8700.00} held by XXXXXXXX XXXX XXXX XXXX The original creditor was XXXX XXXX XXXX  in XXXX Washington. I moved away from that apartment building before my lease eneded due to multiple issues. I had my car broken into twice, and filed a police report both times. The apartment itself was also 15-20 degrees hotter than the temperature outside. The apartment heat was rarely below 80 degrees, and was 90 degrees and above in the summer time. I called them to complain and was told to buy an AC. The rent was already XXXX, and I had no plans of adding to that by paying for air conditioning due living in an apartment building that was drastically hotter than outside temperatures due to improper ventillation. Because I left, I was charged with rent for the following 3 months. I told them I was more than prepaired to take the debt to court. They never took me to court, and instead just sent me to collections. I'm requesting that this collection be removed, because I had a legally valid reason to move from the apartment under washington state law- uninhabitable living conditions as well as crime victimization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: ME

Complaint narrative:
I have a debt on my credit of {$8700.00} held by XXXXXXXX XXXX XXXX XXXX The original creditor was XXXX XXXX XXXX  in XXXX Washington. I moved away from that apartment building before my lease eneded due to multiple issues. I had my car broken into twice, and filed a police report both times. The apartment itself was also 15-20 degrees hotter than the temperature outside. The apartment heat was rarely below 80 degrees, and was 90 degrees and above in the summer time. I called them to complain and was told to buy an AC. The rent was already XXXX, and I had no plans of adding to that by paying for air conditioning due living in an apartment building that was drastically hotter than outside temperatures due to improper ventillation. Because I left, I was charged with rent for the following 3 months. I told them I was more than prepaired to take the debt to court. They never took me to court, and instead just sent me to collections. I'm requesting that this collection be removed, because I had a legally valid reason to move from the apartment under washington state law- uninhabitable living conditions as well as crime victimization.

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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is the result of the recent XXXX XXXX XXXX XXXX breach and constitutes identity theft. I have never authorized or initiated the accounts, inquiries, or activities in question, and I request immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) 605B and 611.

I was notified that my personal informationincluding potentially my Social Security number, date of birth, and other sensitive identifierswas compromised in the XXXX XXXX XXXX breach. Since then, I have reason to believe that fraudulent activity has occurred on my credit file. 


I am writing to formally dispute and raise concerns regarding the 2017 data breach involving XXXX, in which the sensitive personal and financial data of approximately XXXX XXXX XXXX, including mine, was compromised. 
As a result of this breach, I believe that my personal informationincluding but not limited to my name, Social Security number, date of birth, and potentially credit card or financial datawas exposed without my consent due to XXXXXXXX XXXX failure to adequately safeguard consumer data.

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 2025-08-15 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: PA

Complaint narrative:
Permanently delete all inaccurate late payment entries for the following accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were paid as agreed, and no proper billing notices or due dates were provided, making the reporting a billing error under 15 U.S.C. 1666B and a violation of FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681i ( a ). Provide a corrected credit report and written confirmation of deletion within 15 business days.

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 2025-08-15 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: VA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-15 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 ask for the immediate removal of this unauthorized account from my credit report, as I have no affiliation with it. Additionally, I request a thorough review to address any further inaccuracies.

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 2025-08-15 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 ask for the immediate removal of this unauthorized account from my credit report, as I have no affiliation with it. Additionally, I request a thorough review to address any further inaccuracies.

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 2025-08-15 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:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 1 ) XXXX Amount : {$430.00} Date:XXXX 2 ) XXXX XXXX XXXX Amount : XXXX Date:XXXX  3 ) XXXX  Amount : {$8200.00} Date:XXXXXXXX  INCORRECT NAMES LISTED : XXXX ) XXXX XXXX  XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 2025-08-15 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: VA

Complaint narrative:
Your Name XXXX XXXX Your Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Social Security Number XXXX Date of Birth XX/XX/XXXX Phone Number XXXX XX/XX/XXXX To : [ Experian ] XXXX  XXXX XXXX XXXX, XXXX  XXXX [ Equifax ] XXXX. XXXX XXXX XXXX, XXXX  XXXX [ TransUnion ] XXXX. XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX Also known as XXXX XXXX Account numberXXXX  Subject : Formal Debt Dispute, Request for Validation, and Prohibition on Sale or Transfer Dear EXPERIAN, TRANSUNION, & EQUIFAX This is a formal dispute of the above-referenced alleged debt and a request for validation. This is not an acknowledgment of liability. 

To the Debt Collector ( FDCPA 15 U.S.C. 1692g ) : I request that you provide complete validation of this debt, including : 1. The exact amount of the alleged debt, with a detailed itemization of all interest, fees, and charges.

2. The full name and address of the original creditor.

3. A complete payment history and accounting showing how the balance was calculated.

4. Copies of all signed contracts, agreements, or documents that prove my legal obligation to pay.

5. Documentation proving your authorization to collect in my state. 


Until this is provided in writing : You are prohibited from selling, transferring, or assigning this debt to another entity. 
You must cease all collection activity, including reporting or continuing to report to any credit bureau.

To the Credit Bureaus ( FCRA 15 U.S.C. 1681i ) : I dispute the accuracy and completeness of this account in my credit file. Under the FCRA, you are required to : Conduct a reasonable reinvestigation of the account.

Verify the account with complete and accurate documentation from the furnisher ( debt collector ). 
Remove or correct the account if the furnisher fails to provide sufficient evidence within the statutory timeframe. 


Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and may result in legal action. 

I expect a written response within 30 days from receipt of this letter. 

Sincerely, 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 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On the date of XX/XX/year> I logged into my PayPal account and noticed my account was restricted and I couldnt access my funds. I called the company to get explanation of why my account was restricted and that I need to access my funds. They wouldnt tell why but only that I have to wait and referred me to an email that was sent. I have a PayPal balance and a Savings account with them. {$12.00} is in my PayPal balance and {$9200.00} is in my Savings account. If I could please get help I really need my funds that is most of my life savings

Company response to consumer: Closed with explanation