vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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:
I am filing a complaint against TransUnion LLC for continuing to report inaccurate and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the account listed under XXXX ( Acct # XXXX * ) is being inaccurately reported : The account status is shown as Open, while simultaneously marked as Collection/Charge-Off, which is inconsistent with XXXX XXXX reporting standards.No XXXX payment history is reported, making the account reporting incomplete and misleading. 

The account information is not consistently reported across XXXX, XXXX, and TransUnion. The account was last verified recently ( XX/XX/year> ), meaning this is an active violation.I disputed this information with TransUnion and provided them the opportunity to correct or delete the inaccurate data as required under FCRA XXXX and FCRA XXXX ( b ). 

I have disputed this account twice directly with TransUnion, and both times the account was marked as " verified '' without providing me any documentation or proper proof of verification, in violation of FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) and XXXX ( a ) ( XXXX ), which require a consumer reporting agency to provide the method of verification and to supply copies of documents that establish the accuracy of the account if requested. 
To date, no corrective action has been taken. This continued reporting of inaccurate and incomplete information is damaging my creditworthiness and causing financial harm.

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 2025-04-28 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: CA

Complaint narrative:
Equifax is inaccurately and unlawfully reporting a charge-off for XXXX account number XXXX * * * * showing a {$0.00} balance. Reporting a charge-off when there is no balance owed is a serious misrepresentation of my credit profile and constitutes a violation of XXXX XXXX XXXX XXXX b ) and XXXX XXXX XXXX XXXX which demand maximum possible accuracy and a thorough reinvestigation process. Equifax has not provided any verifiable, authenticated evidence, such as original contracts or detailed creditor statements, to justify the continued reporting of this derogatory item. The inaccurate listing appears to stem from the use of unreliable, outdated, or breached data, which should never be used to maintain a consumer 's credit file. Continuing to report this unverified account severely damages my financial reputation without lawful cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: EQUIFAX, INC.
State: GA

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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2025-04-28 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: MO

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX for reporting an alleged debt to the consumer reporting agencies without properly validating the debt as required by federal law. 

I submitted a formal written request to XXXX XXXX XXXX XXXX asking for validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( XXXX XXXX XXXX ). I requested full documentation including the complete chain of title, proof of ownership, itemized accounting of the debt, and confirmation of whether the debt had been securitized. 

Despite my timely request, XXXX XXXX XXXX XXXX has failed to provide the required validation and has continued to report this alleged debt to the credit bureaus ( XXXX, Equifax, and XXXX ) without providing verification. Their continued reporting of an unvalidated, disputed debt violates the Fair Credit Reporting Act ( FCRA ), FDCPA, and Regulation F. 

As a result of their actions, inaccurate and unverified information is being furnished to the consumer reporting agencies, damaging my credit profile and causing financial harm. 
I am requesting that XXXX XXXX XXXX XXXX immediately cease all collection activities, delete the account from all consumer reporting agencies, and comply with all applicable federal laws. If they fail to do so, I intend to pursue further legal action for damages resulting from these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On today XXXX XXXX I had returned another hang up call from the Wells Fargo Bankruptcy XXXX Department and a XXXX answered the call to whom I had spoken to several times in the past to has a reputation of giving out misleading and incorrect information. He stated that Ive been approved for a Loan Modification. However he became absent minded when I had mentioned the {$50000.00} Grant thats been offered by the state of Pennsylvania. In which Im getting completely fed up with these games and as stated I prefer to hear only from my point of contact because its been proven that these customer service representatives are just making codes calls without having the facts

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I got my credit report in XXXX of XXXX and noticed some accounts that were not mine. I also noticed addresses on my credit that I didn't recognize nor did I ever live their or been in association with. I contacted such companies for them to send me all original copies of the accounts with names and addresses included. I provided them with all my credentials such as ID, proof of address ( utility Bill ) and a police report providing that I have had my identity stolen. I never received any correspondence. I began to keep monitoring my credit report and i kept seeing more things pop up that weren't mine. I then sent the same information to the Credit bureaus ( Experian, Equifax, TransUnion ) on XX/XX/XXXX, I have yet to hear back from them it's coming on XXXX days and I want to escalade this process. This has been very devastating for me as I have not been able to get approved for anything not even credit cards for years. This is affecting my whole life and its not okay. Someone please help me!

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 2025-04-28 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: CA

Complaint narrative:
I got my credit report in XXXX of XXXX and noticed some accounts that were not mine. I also noticed addresses on my credit that I didn't recognize nor did I ever live their or been in association with. I contacted such companies for them to send me all original copies of the accounts with names and addresses included. I provided them with all my credentials such as ID, proof of address ( utility Bill ) and a police report providing that I have had my identity stolen. I never received any correspondence. I began to keep monitoring my credit report and i kept seeing more things pop up that weren't mine. I then sent the same information to the Credit bureaus ( Experian, Equifax, TransUnion ) on XX/XX/XXXX, I have yet to hear back from them it's coming on XXXX days and I want to escalade this process. This has been very devastating for me as I have not been able to get approved for anything not even credit cards for years. This is affecting my whole life and its not okay. Someone please help me!

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 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Checked my transunion credit report.. saw a credit inquiry from XXXX XXXX XXXX on XXXX XXXX, XXXX  XXXX XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX .. I did not authorize these inquiries

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 2025-04-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE I DESPERATELY NEED YOUR HELP TO SOLVE A PROBLEM I'VE BEEN DEALING WITH. I'M AN IDENTITY FRAUD VICTIM AND MY IDENTITY HAS BEEN USED NEGATIVELY AGAINST ME. I NEED YOU GUYS TO PLEASE HELP ME REMOVE THE ACCOUNTS I HAVE REPORTED TO YOU GUYS ( SEE ATTACHED FOR SUPPORTING DOCUMENTS )

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 2025-04-28 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: Experian Information Solutions Inc.
State: NC

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 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue. I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve 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 2025-04-28 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: CA

Complaint narrative:
Subject : Urgent Request for Removal of Fraudulent Credit Activity Due to Data Breach To Whom It May Concern, I am writing to urgently request the immediate removal or correction of inaccurate and fraudulent information on my credit report, which I believe is the result of my personal information being compromised in the Equifax data breach. 

According to the Equifax Data Breach Settlement site, my personal data was impacted. I am now seeing suspicious or unauthorized activity on my credit report that I did not initiate, authorize, or recognize. 

I request the following actions be taken immediately : Investigation and removal of all fraudulent items associated with this breach. 
Freezing of my credit file to prevent further unauthorized inquiries or accounts. 
Fraud alert placed on my file across all three major credit bureaus. 
Written confirmation once these actions have been completed. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I am enclosing a copy of my government-issued ID, proof of address, and the confirmation from Equifaxs settlement site showing my information was impacted. 

I am also utilizing Experians Assisted Identity Restoration Services, engagement number XXXX, for further protection. 

Due to the severity of this situation, I expect immediate attention and resolution. Please confirm receipt of this request and update me promptly with actions taken. 

My name is XXXX XXXX I am formally disputing inaccurate information on my credit report in accordance with 15 U.S.C. 1681i. I did not authorize the reporting or release of my personal information to the companys listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 


Furthermore there are unauthorized inquiries on my credit report that I did not initiate. Which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8. I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 


Please address this matter promptly and confirm the removal of the disputed entries. 


Furthermore, there are inquires on my credit report that I did not initiate, which constitutes a case of identity theft. I do not owe and debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Urgent Request for Removal of Fraudulent Credit Activity Due to Data Breach To Whom It May Concern, I am writing to urgently request the immediate removal or correction of inaccurate and fraudulent information on my credit report, which I believe is the result of my personal information being compromised in the Equifax data breach. 

According to the Equifax Data Breach Settlement site, my personal data was impacted. I am now seeing suspicious or unauthorized activity on my credit report that I did not initiate, authorize, or recognize. 

I request the following actions be taken immediately : Investigation and removal of all fraudulent items associated with this breach. 
Freezing of my credit file to prevent further unauthorized inquiries or accounts. 
Fraud alert placed on my file across all three major credit bureaus. 
Written confirmation once these actions have been completed. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I am enclosing a copy of my government-issued ID, proof of address, and the confirmation from Equifaxs settlement site showing my information was impacted. 

I am also utilizing Experians Assisted Identity Restoration Services, engagement number XXXX, for further protection. 

Due to the severity of this situation, I expect immediate attention and resolution. Please confirm receipt of this request and update me promptly with actions taken. 

My name is XXXX XXXX I am formally disputing inaccurate information on my credit report in accordance with 15 U.S.C. 1681i. I did not authorize the reporting or release of my personal information to the companys listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 


Furthermore there are unauthorized inquiries on my credit report that I did not initiate. Which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8. I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 


Please address this matter promptly and confirm the removal of the disputed entries. 


Furthermore, there are inquires on my credit report that I did not initiate, which constitutes a case of identity theft. I do not owe and debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
I have disputed this debt with original debtor XXXX repeatedly in the last several years. They keep selling the debt to other companies once I dispute. This latest contact is from collection agency Harris & Harris. I sent a dispute letter/cease and desist request through their portal as instructed. Only AFTER I disputed the debit with them, they reported it to credit companies. I received an alert from XXXX. Again, they reported it AFTER I disputed it.

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 2025-04-28 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: TX

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. CXXXXe XXXXi ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXXXXe XXXXe ) 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 2025-04-28 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: TX

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. CXXXXe XXXXi ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: MD

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief