vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: NJ

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and TransUnion ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
We were in the process of closing on our home and were initially ahead of schedule, with plans to close XXXX days earlier than originally projected. However, XXXX days prior to our original closing date of XX/XX/year>, the lender performed a final credit check. The report returned with my maiden name and an incorrect Social Security numberoff by XXXX digit. It is apparent that this was a clerical error, such as entering an XXXX instead of a XXXX, yet this mistake has resulted in our closing date being postponed XXXX separate times : first to XX/XX/XXXX, then to XX/XX/XXXX, and now to XX/XX/XXXX. 

Our current lease ends on XX/XX/XXXX, and if we are unable to move into our new home by that date, we will have no place to live, as our landlords already have new tenants scheduled to move in on XX/XX/XXXX. A standard home closing typically requires XXXX days ; our process has now exceeded that timeframe significantly. 

Throughout this ordeal, we have been required to submit multiple copies of our marriage license, Social Security cards, and drivers licenses. Additionally, I have contacted TransUnion multiple times regarding the incorrect information on my credit report. Each time, I have been assured that the information has been correctedyet it has not. Every subsequent credit inquiry has further complicated the situation. 

During several of my calls with TransUnion, representatives have provided inconsistent information. XXXX advised that corrections would take XXXX business days, another stated XXXX business days, and yet another claimed the updates would occur immediately. Despite these assurances, nearly XXXX weeks have passed with no resolution. On multiple occasions, calls were abruptly disconnectednot due to service issues, but in the middle of conversations, both with myself and my husband. 

This issue has caused significant hardship and unnecessary delays. We urgently request that TransUnion correct our credit report information promptly and accurately so that we may proceed with our home closing and avoid further disruption to our housing situation.

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 2025-11-21 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: NC

Complaint narrative:
I, XXXX XXXX XXXX, am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding confirmed identity theft and fraudulent accounts that are currently being reported on my credit files. I have already submitted an FTC Identity Theft Report, which is legally sufficient evidence to trigger mandatory blocking and deletion of all fraudulent accounts and inquiries under FCRA 605B ( 15 U.S.C. 1681c-2 ). 
Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 604 & 605B, inquiries made without authorization must be deleted immediately.

Once an FTC Identity Theft Report is filed, the following laws REQUIRE deletionnot investigation : Federal Law Legal Requirement FCRA 605B ( 15 USC 1681c-2 ) Requires blocking of all fraudulent accounts within XXXX business days. Verification is NOT permitted.

FCRA 611 ( a ) Requires a reasonable investigation not automated verified responses.

FCRA 623 ( b ) Furnishers must conduct a real investigation and report accurate results.

FCRA 602A Consumers have the right to fair and accurate reporting.

FCRA 1681e ( b ) Bureaus must ensure maximum possible accuracy.

FCRA 604 ( a ) ( 2 ) Credit inquiries MUST have a permissible purpose these did not.

FCRA 1681n & 1681o Liability for negligent or willful violations of consumer rights.

18 U.S.C. 1028 Identity Theft & Assumption Deterrence Act illegal to use another persons data.

12 U.S.C. 5531 CFPB authority to intervene and enforce compliance.

Under FCRA 605B, deletion is mandatory the bureaus may NOT verify these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
I, XXXX XXXX XXXX, am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding confirmed identity theft and fraudulent accounts that are currently being reported on my credit files. I have already submitted an FTC Identity Theft Report, which is legally sufficient evidence to trigger mandatory blocking and deletion of all fraudulent accounts and inquiries under FCRA 605B ( 15 U.S.C. 1681c-2 ). 
Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 604 & 605B, inquiries made without authorization must be deleted immediately.

Once an FTC Identity Theft Report is filed, the following laws REQUIRE deletionnot investigation : Federal Law Legal Requirement FCRA 605B ( 15 USC 1681c-2 ) Requires blocking of all fraudulent accounts within XXXX business days. Verification is NOT permitted.

FCRA 611 ( a ) Requires a reasonable investigation not automated verified responses.

FCRA 623 ( b ) Furnishers must conduct a real investigation and report accurate results.

FCRA 602A Consumers have the right to fair and accurate reporting.

FCRA 1681e ( b ) Bureaus must ensure maximum possible accuracy.

FCRA 604 ( a ) ( 2 ) Credit inquiries MUST have a permissible purpose these did not.

FCRA 1681n & 1681o Liability for negligent or willful violations of consumer rights.

18 U.S.C. 1028 Identity Theft & Assumption Deterrence Act illegal to use another persons data.

12 U.S.C. 5531 CFPB authority to intervene and enforce compliance.

Under FCRA 605B, deletion is mandatory the bureaus may NOT verify these accounts.

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 2025-11-21 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: CA

Complaint narrative:
Dear TransUnion, I am writing to dispute the inaccuracies present on my credit report, and I request your assistance in investigating the following accounts under the guidelines of the Fair Credit Reporting Act. 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Please verify and correct the reported charged-off status of this account. 

Late Payments XXXX Account Number : XXXX Please investigate the reported late payment history and adjust if necessary. 

XXXX Account XXXX : XXXX Kindly verify and correct the payment history to reflect accurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX  Please review and correct the payment history for accuracy.

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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I paid merchant XXXX XXXX XXXX {$10000.00} via XXXX ( funded by my Wells Fargo account ) for real estate properties between XXXX XXXX. I received absolutely nothing - no property ownership transfers, no deeds, no services. 

XXXX XXXX, XXXX  official records prove the fraud : merchant 's LLC ( XXXX XXXX XXXX ) owns XXXX XXXX XXXX and NO TRANSFER to me exists in county records. The merchant kept the property after taking my money. 
The merchant created a deceptive settlement contract attempting to release himself from paying me XXXX XXXXXXXX by only paying {$3200.00}. The contract was specifically supposed to be for " taxes '' ( I have messages asking specifically about the taxes ), but he hid broad release language attempting to release himself from all other debts. He never fulfilled this contract either, paying {$0.00} of the promised {$3200.00}, making it void. 
The merchant actively deceived me through XX/XX/XXXX when I texted asking about reimbursement and he made false promises about probate and needing " XXXX more months. '' I discovered the full fraud via county records showing merchant still owns property. 

I called Wells Fargo on XXXX XXXX XXXX to file fraud disputes. The representative stated " the time period doesn't matter '' for fraud cases and opened a dispute for XXXX transaction. However, she only processed XXXX dispute out of the XXXX fraudulent XXXX payments totaling {$10000.00}. 

When I called back on XX/XX/XXXX, a different representative stated they " can't investigate because payments are too old '' and " can only go back to XX/XX/XXXX, '' refusing to file disputes for the remaining $ XXXX in fraudulent payments. 

This is inconsistent and incorrect. Under fraudulent concealment doctrine, the dispute timeframe starts from the last deceptive contact ( XX/XX/XXXX - just XXXX  days ago ), not the original payment dates. The merchant 's own text messages admit I " bought properties '' and he still needs to transfer " the others '' - written confession of fraud. 

I have comprehensive evidence : XXXX XXXX property records proving merchant retained ownership, merchant 's text admissions, fraudulent unrecorded deed, voided deceptive settlement contract, XXXX payment receipts, XX/XX/XXXX text asking specifically about taxes, and XX/XX/XXXX messages showing ongoing deception just XXXX  days before filing. 

Wells Fargo is refusing to investigate {$10000.00} in documented fraud based on an incorrect application of dispute timeframes that doesn't account for fraudulent concealment. I request Wells Fargo investigate all XXXX XXXX payments as fraud cases with fraudulent concealment exception applied.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: MI

Complaint narrative:
I am writing to dispute the reporting of the Penn Credit on my credit report listed. The information being reported is inaccurate and does not reflect my true account history. I am requesting that this item be removed from my credit report as soon as possible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
I believe this is a direct result of identity theft and unauthorized use of my data. I have contacted these companies regarding the same and nothing has been removed. Experian, XXXX XXXX XXXX have all had data breaches and my information has been exposed. If these accounts are removed immediately, I will file a lawsuit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-21 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: IL

Complaint narrative:
I believe this is a direct result of identity theft and unauthorized use of my data. I have contacted these companies regarding the same and nothing has been removed. XXXX XXXX  and Transunion have all had data breaches and my information has been exposed. If these accounts are removed immediately, I will file a lawsuit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
I believe this is a direct result of identity theft and unauthorized use of my data. I have contacted these companies regarding the same and nothing has been removed. XXXX, Equifax and XXXX have all had data breaches and my information has been exposed. If these accounts are removed immediately, I will file a lawsuit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 am writing to dispute several inaccurate items on my credit report. There are collection and charge-off accounts that contain incorrect or unverified information, unauthorized hard inquiries that I did not approve, and late payment statuses or remarks that are not accurate. In addition, my personal informationincluding name variations, addresses, and other identifying detailsis being reported incorrectly. I request a full reinvestigation of these items, and if any information can not be properly verified with complete documentation, please correct or delete it in accordance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The debt that National Credit Systems ( NCS ) is attempting to collect is based on charges that are not legally owed. The debt originates from XXXX XXXX in XXXX, GA and includes fees that violate the Fair Housing Act ( FHA ), charges caused by the propertys own negligence, and amounts that were improperly assessed. 

I submitted valid Emotional Support Animal ( ESA ) documentation for both of my ESAs from a licensed mental health professional. My ESA paperwork fully met FHA and HUD requirements, yet the property denied one of my ESAs and charged me illegal ESA-related fees. Charging any fee for an ESA violates FHA reasonable accommodation requirements ( 42 U.S.C. 3604 ( f ) ( 2 ), 42 U.S.C. 3604 ( f ) ( 3 ) ( B ), 24 C.F.R. 100.204, and HUD FHEO-2020-01 ). These unlawful ESA fees were added to my balance and are now included in the debt NCS is collecting.

My apartment also flooded due to maintenance failing to properly secure a washing machine hose. This flooding caused significant property damage. Despite the flooding being caused by the propertys own staff, I was charged for carpet replacement and other related costs. These charges should not be attributed to me, and collecting them violates FDCPA 807 ( 2 ) ( A ) and 808 ( 1 ).

Multiple habitability issues existed throughout my tenancy, including an ongoing ant infestation and numerous unresolved maintenance requests. The property failed to maintain safe and sanitary living conditions, yet still assessed charges that NCS is now attempting to collect. 

I disputed these charges with the original property and attempted to resolve the issue, but the property refused to correct the unlawful fees and inaccurate charges. NCS is now reporting and collecting this debt even though it includes discriminatory, improper, and unsupported fees.

I requested information and documentation regarding the charges, and while the company responded, the information provided was incomplete, inaccurate, and did not justify the amounts being collected.

Because the charges stem from FHA violations, illegal ESA fees, maintenance negligence, and habitability failures, the debt being collected is not valid and should not be reported or pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-11-21 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: IL

Complaint narrative:
I am requesting a reinvestigation of the following accounts on my Equifax credit report. I believe some of the information may be inaccurate or unverifiable, and I kindly ask that Equifax review and correct or remove any unverifiable information. 

INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NJ

Complaint narrative:
I am absolutely frustrated with the continued inaccurate reporting of a late payment entry on my credit report for XXXX XXXX ( account number : XXXX ). Despite my previous disputes, the issue remains unresolved, and its becoming increasingly intolerable. The late payment was originally reported in XX/XX/2024, but upon reviewing my most recent credit report, I discovered that a new late payment has been listed for " XX/XX/2024, '' a date that was never reported before. This is completely false! I have NEVER been late on this account, and I have not received a single letter from Experian confirming that this issue has been fixed. This is a clear violation of my rights under 15 U.S.C. 1681i ( a ) because my previous dispute was not properly investigated. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and the repeated errors on my file are damaging my creditworthiness and hindering my ability to secure financial opportunities. This is my SECOND attempt to resolve this issue through the CFPB. I initially submitted a complaint last month asking for your help, but the issue remains unresolved. Also, I have submitted an FTC to ask for their help, I was not able to file a complaint last month because their operation was shut down. Also, I have filed TX Office of the Attorney General for this issue since FTC was shutdown before. Now, I am reaching out again, hoping that the CFPB will provide the guidance and assistance necessary to compel Experian to correct these inaccuracies. Experian 's failure to address this issue promptly is unacceptable, and I demand that they remove the inaccurate late payment entry and update the account to reflect Paid as Agreed or OK. This is the only correct status, as I have never been late on this account, and I expect a full reinvestigation as required under 15 U.S.C. 1681e ( b ). If this matter is not resolved within 30 days of receiving this complaint, I will have no choice but to escalate this issue to federal regulators and take legal action under 15 U.S.C. section 1681n ( willful noncompliance ) and 15 U.S.C. section 1681o ( negligent noncompliance ). This may result in statutory damages, actual damages, punitive damages, and legal fees. I expect immediate attention and resolution 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