vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Against TransUnion for Inaccurate Credit Reporting and FCRA Violations To Whom It May Concern, I am filing this complaint against TransUnion for failing to properly investigate my recent credit report dispute and for inaccurately updating a closed account with a XXXX late payment. 


The account in question is with XXXX XXXX XXXX  XXXX ( Account opened XX/XX/XXXX, closed XX/XX/XXXX ). It had been reporting as Current for over a year after closure. On or around XX/XX/XXXX, I submitted a written dispute to TransUnion, including supporting documentation ( a side-by-side screenshot showing how the account appeared across all three credit bureaus ). Since submitting that dispute : I have received no confirmation or notification from TransUnion that my dispute was received, processed, or investigated, as required under the FCRA. 
Following that submission, TransUnion added a XXXX late payment to this account, even though the account has been closed since XX/XX/XXXX. 


No explanation or verification of this derogatory information has been provided. 


I am concerned this change was made either in retaliation for my dispute or based solely on how the account was reporting with another bureau without any verification from XXXX XXXX XXXX  XXXX. This violates my rights under the Fair Credit Reporting Act, including : 611 Failure to investigate disputes 611 ( a ) ( 6 ) Failure to notify consumer of dispute results 611 ( a ) ( 5 ) ( A ) Improper re-reporting of inaccurate information 623 ( a ) ( 3 ) Furnishing inaccurate info without notice of dispute I am requesting that : The inaccurate XXXX late payment be removed immediately. 


If TransUnion or XXXX XXXX XXXX  XXXX can not fully verify the accuracy of the entire tradeline including the payment history and late payment the entire account should be deleted from my credit report in accordance with FCRA 611. 


TransUnion confirm whether the update was furnished by XXXX XXXX XXXX  XXXX or added based on assumptions. 


TransUnion explain why I was never notified of the dispute status or outcome. 


Please take appropriate action and inform me of the results of your investigation. 

I've attached files of the changes made to this account since disputing. 

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 2025-08-04 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:
received a copy of my credit report to find the following item I dont recognize. I have explained the discrepancies of the Account XXXX XXXX XXXX with a credit card limit of {$8000.00} to my records the account you are reporting on this account is unrecognizable. I would like that this be remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX Chief Executive Officer Experian  XXXX XXXX XXXX XXXX. 

XXXX XXXX, CA XXXX RE : Formal Demand for Immediate Removal of Aged and Inaccurate Accounts Experian Early Exclusion Failure Dear XXXX XXXX : I am writing to formally demand your immediate attention and resolution regarding multiple derogatory accounts on my Experian credit report that are either : Aged beyond the allowable reporting window, and/or Not mine and unlawfully reported, and/or Previously promised to be removed under your own Early Exclusion policy but remain improperly listed. 




Despite assurances from your representatives in XX/XX/XXXX that these accounts would qualify for early exclusion as of XX/XX/XXXX, they remain on my report to date in clear violation of the Fair Credit Reporting Act ( FCRA ) and Experians stated policy. 



The specific accounts in question include : Aged Negative Accounts ( Eligible for Early Exclusion as of XX/XX/XXXX ) : Unify XXXX XXXX XXXX XXXX XXXX XXXX Five ( 5 ) accounts XXXX Two ( 2 ) accounts Collections ( Disputed or Not Mine ) : XXXX Not my account XXXX  Eligible for Exclusion Current Not my account Your continued reporting of these entries despite being fully aware of their age, inaccuracy, and prior review is not only unconscionable but also unlawful. I will not tolerate further delay or deflection. 



Unless I receive immediate contact from your office and a full correction of my Experian report within 5 business days, I will escalate this matter through the following channels : Formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Complaint with the California Attorney Generals Public Inquiry Unit On-air and written submission to XXXX XXXX XXXX XXXX XXXX XXXX  Private legal consultation regarding FCRA and potential defamation violations Experians refusal to uphold its policies and legal obligations is unacceptable. This is your final opportunity to resolve this matter amicably and expeditiously. 



I am available by phone or email at any time this week to facilitate a direct resolution. 


Best, XXXX XXXX XXXX M.

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 2025-08-04 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: PA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-04 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 2025-08-04 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: 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 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 2025-08-04 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: MD

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 explanation
Consumer complaint received 2025-08-04 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MA

Complaint narrative:
I have been repeatedly contacted by Harris & Harris , Ltd. via text message about a debt I do not owe. The debt is related to XXXX  service, which I have never had. Over a short period, I received at least seven unsolicited texts from them. 

After these multiple contacts, I called Harris & Harris to ask why I was being harassed. During the call, they asked if the name on the debt sounded familiar. I told them it was my mother, with whom I have had no contact for over 10 years. 

My phone number has never been linked to my mother. I believe she doesnt even know my current number. Harris & Harris made no effort to verify whether I was the correct person before repeatedly contacting me, which violates multiple federal laws. 

Their actions violate several sections of the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692b ( 3 ) : Debt collectors may only contact a third party once for the purpose of locating the debtor. Harris & Harris contacted me seven times, far exceeding the legal limit.

15 U.S.C. 1692c ( b ) : Debt collectors are prohibited from contacting third parties about a debt without the debtors consent. I did not give consent, and my mother ( the alleged debtor ) has not had contact with me in over a decade, so she could not have authorized them to contact me either.

15 U.S.C. 1692e : Debt collectors must not use false, deceptive, or misleading representations. By repeatedly contacting me as if I were the debtor, Harris & Harris misrepresented my identity and my connection to the debt.

15 U.S.C. 1692d : Debt collectors may not engage in harassing, oppressive, or abusive conduct, including repeated calls or messages. The excessive contact has caused emotional distress and interfered with my ability to work and care for my infant child. I work from home, and these disruptions have had a significant impact on my professional responsibilities and personal well-being. 


I contacted Harris & Harris directly through their website and via email, clearly explaining the issue and giving them a chance to correct it. I received no response. The fact that they can contact me seven times in a matter of days, but can not respond even once when I reach out to resolve the issue, speaks volumes about their lack of professionalism and complete disregard for my rights as a consumer and individual. 

I am currently in contact with legal counsel regarding this matter. Because Harris & Harris failed to respond or rectify the situation, I am now moving forward with formal complaints and pursuing legal action. 

Attached our screenshots of all text message communications from them, as well as a screenshot of my boost mobile bill, proving that my phone number is in my name under a completely different company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I am a documented victim of identity theft and submitted a formal dispute and fraud block request to TransUnion under FCRA 1681c-2. Despite providing an Identity Theft Report, supporting documents, and referencing applicable federal laws, TransUnion declined to block certain accounts, falsely claiming the items reflected a payment history or were opened prior to the reported theft. These accounts were fraudulently opened without my knowledge or consent. Their refusal to block this information violates my rights under the Fair Credit Reporting Act and places ongoing harm on my credit profile.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian has re aged these XXXX XXXX Accounts # XXXX and Account # XXXX which were scheduled to be deleted on XX/XX/year>. For whatever nefarious reasons, Experian has removed the XX/XX/year> deletion status and left it blank on Account # XXXX and extended the XX/XX/year> delete date on account # XXXX to XX/XX/year> after sending me a report showing both accounts scheduled date of removal to be XX/XX/year>. 

This flagrant act has only one intent, to continue to punish me by reporting erroneous. incomplete and inaccurate information to the extent of willfully extending the removal dates while providing me a report showing otherwise. 

Experian need to be held to account as this is not an oversight on their case but a malicious intent to injure my credit rating and an action should be levied against them. I ask the CFPB to look into this matter since I have been on a run around trying to call them on the phone line provided but to no avail.

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 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

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 2025-08-04 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: NM

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: VA

Complaint narrative:
XX/XX/XXXX made purchase to XXXX XXXX. In the amount of {$280.00}. Chime flagged payment. Sent payment but took it back. Chime called fraud dept I told them I made transaction. XXXX still was never released. Chime corporate office reached out to XXXX on XX/XX/XXXX Chime agreed to return funds with XXXX XXXX phone call convo is what the merchant told me. XXXX presented documentation that a reversed payment shouldve applied XXXX hrs later. But I did not still have not received my & XXXX it still needs to be reversed to my account I made payment everyday consecutively multiple times a day. Paid bill on XX/XX/XXXX along with XXXX decline fees that Chime XXXX compensate. Bring forced to wait XXXX  days due open dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I have previously disputed Experian and Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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