vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
Re : XXXX XXXX Harris & Harris Fraudulent Third-Party Collection Account Acct # XXXX To Whom It May Concern, I am filing this complaint against Harris & Harris , who is attempting to collect and report a fraudulent account on my credit file. While I do recognize the original creditor ( DTE ] ), I have never entered into any agreement with this third-party collection agency. Their claim is fraudulent, unauthorized, and not my account.

Fraudulent and Unauthorized Collection I have never signed a contract with this company.

They have provided no legal documentation establishing ownership, assignment, or transfer of rights to collect. 

Reporting me as responsible for an account I never contracted with them for is fraudulent and creates false liability. 

Consumer Law and Compliance Violations FCRA 609 ( a ) ( 15 U.S.C. 1681g ) Right to Disclosure The agency has failed to provide original signed documentation, chain of title, and full validation of this alleged debt.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy Reporting unverifiable and fraudulent information violates the requirement to maintain accurate credit files.

FCRA 623 ( a ) ( 15 U.S.C. 1681s-2 ( a ) ) Duty of Furnishers Furnishers may not report information they know, or should know, is inaccurate. Reporting this account without verification violates this section.

FDCPA 809 ( 15 U.S.C. 1692g ) Validation of Debts Within five days of first contact, a collector must provide validation. This agency has failed to do so, yet continues to report and collect, constituting deceptive and unlawful practices under 1692e.

Metro 2 Compliance Credit Reporting Resource Guide ( CRRG ) Collections must use correct Metro 2 coding to reflect consumer responsibility and account status.

Status Code 93 must be used for a collection account.

Date of First Delinquency ( DOFD ) must reflect the original creditors delinquency date, not be re-aged.

ECOA Code must reflect actual liability ( they can not code me as contractually liable without proof of contract/assignment ).

Duplicate reporting with the original creditor and this fraudulent collector is not permitted.

By failing to comply with these requirements, this collection tradeline is being reported inaccurately, fraudulently, and in violation of federal law.

Requested Relief I respectfully request the CFPB to : Investigate Harris & Harris Ltd for fraudulent reporting and unauthorized collection activity.

Compel deletion of this account from all consumer reporting agencies due to lack of contract, ownership, and validation.

Enforce compliance with FCRA, FDCPA, and XXXX XXXX standards.

Ensure that no further collection activity or reporting occurs without proper legal documentation.

This account is fraudulent and not mine, and its continued reporting is causing me harm. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Demand for Removal of Fraudulent Inquiries FTC Identity Theft Report # XXXX To Whom It May Concern, I am writing to formally dispute and demand the removal of fraudulent credit inquiries that appear on my TransUnion credit report. I am a documented victim of identity theft, as evidenced by my FTC Identity Theft Report ( Report Number : XXXX ), which I have enclosed. 

These inquiries were made without my knowledge, authorization, or consent. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are required to block and remove any information that results from identity theft once proper proof is provided. This letter and the enclosed report serve as my official dispute and proof of identity theft. 

The following inquiries are fraudulent and must be removed immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that TransUnion immediately block and delete these fraudulent inquiries from my credit file and provide me with written confirmation once the removals have been completed.

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 2025-10-02 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I am submitting this formal complaint against XXXX  for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX Card Services. Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

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 2025-10-02 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: AL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX  data breaches, wch exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX 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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
am filing this complaint against Equifax Information Services, LLC for knowingly reporting inaccurate and misleading information about a XXXXXXXX XXXX account. 
I was a co-signer on this account. The primary borrower, XXXX XXXX, received a Form 1099-C ( Cancellation of Debt ) from XXXXXXXX XXXX  XXXX which legally cancelled and discharged the debt. Once a 1099-C is issued, the debt is no longer legally owed or collectible. 
Despite this, Equifax continues to report this account as a closed account instead of removing it entirely. I have already disputed this with Equifax, but instead of deleting it, they simply updated it to reflect closed. This is inaccurate and misleading because the debt was discharged it should not appear in my credit history at all.

Equifax is violating : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Must ensure maximum possible accuracy. Reporting a cancelled debt as a closed account is not accurate.

FCRA 611 ( 15 U.S.C. 1681i ) Requires proper reinvestigation of disputed accounts. Updating the status to closed rather than deleting it fails this obligation.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from reporting false information ; Equifax is publishing inaccurate data provided by PNC.

FDCPA 807 ( 15 U.S.C. 1692e ) Prohibits false or misleading representations. Reporting cancelled debt as a valid account is deceptive.

FDCPA 808 ( 15 U.S.C. 1692f ) Prohibits unfair practices. Continuing to report a discharged debt in any form is unfair and abusive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES , LLC Product or service : Debt collection, credit reporting Company : Portfolio Recovery Associates , LLC Issue summary : I dispute the Portfolio Recovery Associates collection account. I never signed a contract with XXXX. I do not owe XXXX. The tradeline lacks validation and authorization. 

Account details : Account number : XXXX Reported balance : XXXX dollars Reported opened : XX/XX/year> Facts : I have no agreement with XXXX. 
I did not authorize XXXX to obtain, use, or report my personal information. 
XXXX has not produced a signed contract, full itemization, or proof of ownership. 
I dispute the accuracy and the legitimacy of this tradeline. 

Legal violations : FDCPA, 15 U.S.C. 1692g ( b ) : cease collection until validation.

FDCPA, 15 U.S.C. 1692e and 1692f : false, misleading, or unfair practices, including reporting disputed, unvalidated debt.

FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( a ) ( 2 ) : duty to furnish accurate information and correct errors.

FCRA, 15 U.S.C. 1681s-2 ( b ) : duty to investigate and delete or correct after notice of dispute.

12 C.F.R. 1022.42 and 1022.43 : accuracy and integrity duties, and direct dispute investigation duties.

California Rosenthal Act, Cal. Civ. Code 1788.17.

Requested relief : Delete the PRA tradeline from all consumer reports. 
Cease and desist all collection and reporting on this account. 
Provide, in writing, all documents relied on : original signed contract with the original creditor, full itemized statements, notice of assignment, bill of sale, complete chain of title, data furnishing records, date of first delinquency, and any forward flow or purchase agreements. 
Provide the complete results of your investigation and the procedures used. 
Confirm deletion within 15 days. 
Provide compensation for statutory and actual damages, plus costs. 

Attachments to be provided by me : Government ID and social

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX Card Services,. Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

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 2025-10-02 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX 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 2025-10-02 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: GA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE 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 2025-10-02 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt. 

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated.

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA.

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: IN

Complaint narrative:
Complainant : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, IN XXXX Against : TransUnion Subject : Failure to Properly Investigate Credit Dispute FCRA Violation Details of Complaint : I previously submitted a dispute to TransUnion regarding inaccurate information on my credit report. The disputed items include : XXXX XXXX accounts ( various, including # XXXX ) reported as charge-offs with inconsistent or inaccurate data. 
Accounts XXXX in XXXX XXXX XXXX ( filed XX/XX/year> ) that continue to report negatively. 
XXXX XXXXXXXX XXXX account reporting conflicting late payment history. 
XXXX XXXX account ( {$130.00} ) showing inaccurate charge-off reporting. 
Incorrect personal information ( misspelled names, outdated addresses ) that should have been removed. 
Despite my submission of supporting documentation ( ID, proof of address, and highlighted report ), TransUnion marked these items as verified without providing documentation from the furnishers of information, as required by the Fair Credit Reporting Act ( FCRA 611 ).

Resolution Requested : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) require TransUnion to : 1. Conduct a full reinvestigation of all disputed items.

2. Provide me with documentation from the original creditors used to verify the accounts.

3. Delete or correct any account that can not be substantiated.

4. Correct all personal information errors ( names and addresses ).

5. 1026.10 Payments A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section. 
Enclosures : Proof of ID and address I respectfully request that the CFPB hold TransUnion accountable for failure to comply with the FCRA. 
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 2025-10-02 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: LA

Complaint narrative:
My information was solden due to a data breach so please delete all negative items off my 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 2025-10-02 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:
PLEASE BLOCK AND REMOVE. 
This false account must be removed immediately. I never approved or authorized it. Supporting records are attached.

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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding CONCORD SERVICING XXXX failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. CONCORD SERVICING XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

CONCORD SERVICING XXXX XXXXXXXX....

Company response to consumer: Closed with explanation