vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
I must emphasize that this complaint is not a mistake. 
My credit report contains inaccuracies that are not assured to be of the maximum possible accuracy. 
These errors are profoundly affecting me, causing significant distress and ongoing negative impacts that are difficult to fully articulate. 
These are challenging times, and correcting or removing these inaccuracies would provide immense relief and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We had someone charge hundreds of XXXX charges on our personal checking account. Wells Fargo has denied our claim even after asking us to provide documentation that these were not our charges. XXXX provided us with a list of transactions that were made with our card that were not associated with our XXXX account. We provided the list to Wells Fargo and they still denied our claim. We are disputing between {$15000.00} and {$25000.00} worth of charges.

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 2025-12-08 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: NC

Complaint narrative:
My personal identification such as my social security number and ID was left in a storage unit, that was auctioned off. Whoever had access to the unit has opened plenty of accounts in my name, Please remove these accounts as they were opened due to identity theft. Thanks!

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 2025-12-08 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: OneMain Finance Corporation
State: CO

Complaint narrative:
On XX/XX/year>, I participated in a pre-qualification process for the XXXX credit card, which involved a soft credit inquiry. The pre-qualification result was an insufficient offer which I did not accept or pursue. At no point did I submit a full application or provide my final, explicit authorization ( written or verbal ) to open a credit card account. 

Despite my lack of consent and acceptance of any final terms, the company unilaterally proceeded to open a credit card account in my name, with a credit limit of {$2000.00} ( Account XXXX. ending in XXXX ). 

The unauthorized opening of this account resulted in XXXX violations that have been reported to the credit bureaus : An unauthorized XXXX XXXX was placed on my credit report on XX/XX/year>. 

The unauthorized account ( ending XXXX ) was opened and is currently being reported as a valid trade line. 

I believe the company is in violation of the Fair Credit Reporting Act ( FCRA ) by opening and reporting this account without my express agreement to the final terms. 

On XX/XX/year>, I sent the company a formal email demand for immediate action. I demanded the permanent closure of Account XXXX and the immediate deletion of both the account trade line and the unauthorized XXXX XXXX from all three credit reports. I have received no confirmation that these demands have been met. 

I require the CFPB 's assistance to compel the company to permanently close the account and remove all reporting related to this unauthorized action from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
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 XXXX 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. XXXX  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 XXXX 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.

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 2025-12-08 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:
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 XXXX 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. XXXX  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 XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
I am filing a new complaint because Harris & Harris did not provide proper validation of the alleged XXXX XXXX debt, even though I made a formal written request under the FDCPA and FCRA. The previous complaint was closed despite the collector failing to supply the required documents. 



The documents they provided do not meet the legal requirements of debt validation. They sent only billing statements, which do not prove that : I agreed to or authorized the account The charges are accurate All equipment was returned or properly credited They have legal ownership or assignment of the debt The final balance was correctly calculated Specifically, they failed to provide : A signed contract or service agreement with my signature Proof of ownership or legal assignment ( chain of title ) from XXXX XXXX Harris & Harris XXXX showing equipment return status A complete itemized final bill with all credits, fees, reversals, and adjustments Any evidence tying me personally to the debt beyond generic billing statements Billing statements are not validation under FDCPA XXXX ( b ). 



Additionally, Harris & Harris reported the debt to the credit bureaus before validating it, which is a potential violation of : FDCPA XXXX ( XXXX ) furnishing inaccurate or unverified information FCRA XXXX ( a ) ( XXXX ) ( A ) reporting information that is not verified as accurate FCRA XXXX ( a ) ( XXXX ) failing to mark the account as disputed I am disputing this debt in full, and the collector has not met their legal obligations. Because the debt remains unvalidated, the continued credit reporting is improper and must be corrected or deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
I purchased a vanilla gift card at XXXX XXXX for a coworker. We collect collected money for her because her father died. I put the card in an envelope with postage on my mailbox. The Tuesday after XXXX XXXX in 2025. After 20 days she still hadnt received the card so I called the vanilla gift card. Customer service line. At that point I made a claim and I got email correspondence that there were several inappropriate purchases on the card at a city about 45 minutes away from where the intended recipient lives. For example, the very first purchase was that XXXX XXXX XXXX XXXX XXXX As per the claim request, I sent proof of purchase of the card, which was the XXXX XXXX receipt card, as well as a picture of the envelope that I had taken for the intended recipient as well as a picture of the outside back of the vanilla gift card. After further correspondence, I also sent them an attachment, which showed that I had involved the XXXX XXXX XXXX XXXX  security in this matter. The vanilla gift card can not explain to me what investigation they did given. This was a federal crime and they just repeatedly told me that they werent responsible for the {$450.00} that were supposed to go to my coworker. They continue to not be able to relay to me what investigation was done, if they were working with the agent assigned by the XXXX XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: AR

Complaint narrative:
I have reviewed my credit report and found unverified items.

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 2025-12-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been a victim to identity theft and my information was exposed in a data breach which caused hard inquiries on my credit report that I didnt authorize.

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 2025-12-08 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: WA

Complaint narrative:
I had no knowledge of these fraudulent inquiries nor did I authorize them. XXXX 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 non-monetary relief
Consumer complaint received 2025-12-08 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: VA

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit report by XXXX XXXX, account number. This account is inaccurate, unverifiable, and its inclusion violates the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). This account is also falsely representing themselves as the original creditor which violates consumer protection laws Specifically, my reasons for disputing this account are as follows : 1. Lack of Debt Validation : I have previously requested documentation from XXXX XXXX to validate this alleged debt. To date, they have failed to provide sufficient documentation to prove the debt 's validity and age. This includes a complete chain of purchase history and documentation with my signature and their name as listed as the original creditor showing I went to any contractual agreement with them for this debt. 


Statute of Limitations Violation : I believe this debt is beyond the statute of limitations for collection in my state. Pursuing collection on a time-barred debt is a violation of consumer protection laws.

4. Failure to Thoroughly Investigate : I previously filed a dispute with TransUnion, Equifax, Experian regarding this account. However, the investigation was inadequate, and the inaccurate listing remains on my credit report, causing significant damage to my credit score.

I demand that TransUnion, Equifax, Experian conduct a thorough reinvestigation of this account. I request that you immediately : * Cease and desist all reporting of this account.

* Delete this inaccurate and unverifiable collection account from my credit report Immediately

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
ABILITY RECOVERY XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research ABILITY RECOVERY XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: DC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: AL

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate, incomplete, or unverifiable information on my credit file. I have disputed these items with Equifax, but they have not properly investigated them or provided any verification. 
Charged-Off I dispute the following accounts because the information is inaccurate or can not be verified : XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$420.00} XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$140.00} Foursight Acct : XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$16000.00} These accounts show inconsistent balances and reporting across bureaus, and Equifax has not provided proper verification.

2. Inquiries ( Equifax ) There are inquiries appearing on my Equifax report that were not included in my dispute responses. I request that Equifax verify every inquiry reported on my file with proof of authorization or remove anything unverifiable.

3. Late Payments ( Equifax ) I dispute the following late payment as inaccurate or not properly verified : XXXX Acct : XXXX XXXX XXXX XXXX XXXX Equifax has not provided any documentation supporting the reported delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: DC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XX/XX/XXXX 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.

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