vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, Texas XXXX ( XXXX ) XXXX XXXX XX/XX/2025 HARRIS & HARRIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear HARRIS & HARRIS XXXX Re : Request for Debt Validation I am writing to request validation of the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt, and I would like to ensure the accuracy and legality of the claim. Please provide the following information : 1. The amount of the debt you claim I owe. 2. The name of the creditor to whom the debt is currently owed. 3. A copy of the original signed agreement or contract that legally obligates me to pay this debt. 4. A detailed breakdown of the charges that make up the total amount of the debt. 5. Proof that you are authorized to collect on this debt in my state, including a copy of your license to collect in Texas. 6. A copy of the judgment, if applicable, showing that a court has ruled that I am liable for this debt. Please also provide proof that this debt is not outside the statute of limitations for collection in my state. I request that you cease all collection activities until this debt is properly validated. If you can not provide adequate documentation, I request that you remove any negative information related to this debt from my credit report. Please note that this request is made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). I look forward to receiving the requested documentation within 30 days. Should you fail to validate the debt as required by law, I expect that this matter will be considered resolved. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: AR

Complaint narrative:
There are accounts on my credit report that I have no knowledge of and did not give consent to open. The names and or addresses are incorrect. Ive tried updating my personal information multiple times as well.

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 2025-02-28 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ) as my client has identified inaccurate, unverifiable, or outdated information on their credit report. The credit reporting bureau has requested a Power of Attorney ( POA ) as a prerequisite to processing the dispute. As the authorized representative for my client, I am attaching the required POA documentation to ensure compliance with their request. However, under the FCRA, credit reporting agencies are obligated to conduct reasonable investigations and can not impose unreasonable barriers, such as additional documentation, to dispute investigations ( 611 of the FCRA, 15 U.S.C. 1681i ).

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 2025-02-28 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: OR

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 of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and must be blocked immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This block should remain in place for one year, at which point I may request an extension. During the block, you may not report this information or share it with any third parties.

I have contacted your bureau multiple times regarding these fraudulent accounts, but I have not received a satisfactory resolution. This situation is severely affecting my ability to secure a new home for my children, which is a critical priority for my family.

Additionally, I have requested contracts or documentation from the companies associated with these accounts to verify their legitimacy. However, after more than 60 days, I have not received any response. This lack of response further confirms that these accounts do not belong to me.

I urge you to take immediate action to delete these accounts from my credit report. I have attached the FTC report and all necessary documentation to support my claim. I trust that you will review my case thoroughly and make a fair decision to resolve this matter.

Thank you for your prompt attention to this issue. I look forward to receiving written confirmation that these accounts have been removed from my credit report.

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 2025-02-28 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 formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have been placed on my credit report due to identity theft. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts removed permanently. I am a victim of a data breach, and the following accounts were fraudulently opened in my name without my consent : Fraudulent Accounts : XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$850.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$320.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$220.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$400.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$6500.00} XXXX XXXX XXXX************** - XX/XX/XXXX XXXX {$270.00} XXXX XXXXL - XXXX - XX/XX/XXXX - {$1100.00} XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$460.00} Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX while I was at work someone was taking funds from my account there was nothing I could do bc I had lost my cellular device & wallet they bought food and sent {$1700.00} with XXXX XXXX  upon getting off work and arriving at home to my business phone I noticed it so I reported my card stolen & immediately called Wells Fargo today XX/XX/XXXX I check my account and noticed I was only credited {$16.00} from them buying food Wells Fargo is saying that these transactions came from my device which is XXXX XXXX false i reported said device stolen immediately when I lost it whoever XXXX XXXX is did these transactions without my approval the device which said transactions were created was stolen from me XX/XX/XXXX the same day of the transactions I called to get a better understanding and was met by a very rude claim specialist by the name of XXXX I told him that whoever stole my phone/ wallet had access to very sensitive personal information and from that point forward he attempted to place the blame on me Ive lost a total close to {$3000.00} dealing with Wells Fargo letting someone take $ from my account which is totally unfair Ive never experienced anything of this nature until XXXX I XXXX XXXX had XXXX to do with these transactions whoever stole my phone hacked into it and spent my entire work check that I work my XXXX off for

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 2025-02-28 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:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
Upon reviewing my credit report, I was disturbed to find accounts that I do not recognize. I never opened these accounts, yet they are appearing under my name, which is completely inaccurate and unacceptable. This misinformation is damaging my credit history, and I need immediate action to correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: MI

Complaint narrative:
XXXX Is the complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX **Subject : ** FCRA Complaint Regarding Dispute Resolution Exceeding XXXX XXXX To Whom It May Concern, I am writing to formally file a complaint under the Fair Credit Reporting Act ( FCRA ) regarding a dispute resolution process that has exceeded the XXXX timeframe mandated by law. Below are the details of my complaint : XXXX. XXXX XXXX - XXXX - Social Security Number : XXXX - Contact Information : XXXX XXXX 2. Equifax, Experian, TransUnion ] - Date Dispute Filed : XXXX - Method of Dispute Submission : [ Online, - Description of Dispute : [ incorrect account information ] 3. **Violation of FCRA : ** - According to the FCRA , credit reporting agencies are required to complete investigations of disputes within XXXX XXXX of receiving the dispute ( 45 days if the dispute is based on additional information provided after the initial dispute ). 
- As of today, more XXXX XXXX have passed since I submitted my dispute, and I have not received a resolution or any communication regarding the status of my dispute. 

4. **Impact on Me : ** - The delay in resolving this dispute has caused denial of credit, higher interest rates, emotional distress. 

5. **Request for Action : ** - I request that the CFPB investigate this matter and ensure that the credit reporting agency complies with the FCRAs requirements. 
- I also request that the inaccurate information be corrected or removed from my credit report immediately. 
- Please provide me with written confirmation of the resolution of this matter. 


Thank you for your attention to this matter. I look forward to your prompt response. 

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 2025-02-28 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
The collection thats reported on my credit report does not belong to me. This is fraud and I ask that this debt be removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-02-28 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:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below farmers furniture XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
I want all the negative accounts removed from Equifax. 
Equifax, did not do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 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 XXXXXX/XX/XXXX has violated my rights XXXX 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2025-02-28 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 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 XXXXXX/XX/XXXX has violated my rights XXXX 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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