vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : UNAUTHORIZED XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - {$950.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Date Opened : XX/XX/XXXX - {$950.00}, XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$950.00} ; fraudulent inquiries off of my report : 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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX 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 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: VA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: VA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-18 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: TN

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX Acct # XXXX Date Opened : XXXX XXXX Balance : {$330.00} Account Type : COLLECTIONS XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Acct # XXXX Balance : {$100.00} Account Type : COLLECTIONS XXXX XXXX  XXXX payment {$630.00} Balance updated XX/XX/year> Personal Statements XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING 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 2025-09-18 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-18 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: VA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-18 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: CT

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
A company called Harris & Harris debt collection keeps calling me and leaving messages saying that I owe a debt to Spectrum on an account I've already paid off and closed out. However I've contacted XXXX directly and they say they have not send my account to collections. They also confirmed that I have completely paid off all balances and the account is closed. This Harris & Harris XXXX called me again today. I was able to get a name of the employee ( XXXX XXXX ) as well as a street address ( XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, 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 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the late payment currently shown on my credit report. This entry is false and inconsistent with my long-standing record of timely payments. Its presence is misleading and causes undue damage to my credit standing.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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.

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. I demand the late payment reported to be updated as paid as agreed.

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 2025-09-18 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:
Re : Formal Complaint Inaccurate & Unverifiable Credit Reporting ( 18 Violations, {$18000.00} Damages ) Dear CFPB, I am filing a formal complaint against the following creditors and credit bureaus for inaccurate, unverifiable, and misleading reporting on my credit file. These actions violate the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 2 ) ( A ), 807 ( 8 ) ), and other applicable consumer protection laws. 

Accounts in Violation XXXX ( Acct # XXXX ) Conflicting status ( open vs closed ), {$0.00} credit limit but balance reported, dispute not properly noted. 

Violations : FCRA 1681s-2 ( b ), 1681i ; FDCPA 807 ( 8 ). 

XXXX XXXX  / XXXX Rewards ( Acct # XXXX ) Conflicting balances ( {$1400.00} vs {$1300.00} ), high balance shows {$0.00} with over-limit usage, inconsistent lates. 

Violations : FCRA 1681e ( b ) ; FDCPA 807 ( 2 ) ( A ). 

XXXX ( Acct # XXXX ) Conflicting statuses ( open vs closed ), dispute unresolved, inconsistent lates. 

Violations : FCRA 1681i ; FCRA 1681s-2 ( a ) ( 1 ). 

XXXX  XXXX ( Acct # XXXX ) Reported as open/closed simultaneously, {$0.00} vs {$400.00} credit limit, dispute resolved but derogatories remain. 

Violations : FCRA 1681i, 1681s-2 ( b ) ; FDCPA 807 ( 2 ) ( A ). 

XXXX XXXX XXXX  ( Acct # XXXX ) Charge-off vs unpaid loss, balances differ ( {$800.00} vs {$1100.00} ), inconsistent late history. 

Violations : FCRA 1681e ( b ), 1681i. 

XXXX XXXX  ( Acct # XXXX ) Charge-off with missing history, inconsistent remarks, balance exceeds limit ( {$2900.00} vs {$2300.00} ). 

Violations : FCRA 1681e ( b ), 1681i. 

XXXX XXXX  XXXX Acct # XXXX ) Charge-off but different credit limits ( {$0.00} vs {$1400.00} ), inconsistent lates, false unpaid balance loss. 

Violations : FCRA 1681e ( b ) ; FDCPA 807 ( 2 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) XXXX {$1000.00} vs {$700.00} limit, marked as charge-off but no history available. 

Violations : FCRA 1681e ( b ), 1681s-2 ( a ). 

Violation Totals Total Violations : 18 Damages Owed : {$18000.00} ( at {$1000.00} per violation under FCRA/FDCPA statutory damages ).

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Re : Formal Complaint Inaccurate & Unverifiable Credit Reporting ( 18 Violations, {$18000.00} Damages ) Dear CFPB, I am filing a formal complaint against the following creditors and credit bureaus for inaccurate, unverifiable, and misleading reporting on my credit file. These actions violate the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 2 ) ( A ), 807 ( 8 ) ), and other applicable consumer protection laws. 

Accounts in Violation XXXX ( Acct # XXXX ) Conflicting status ( open vs closed ), {$0.00} credit limit but balance reported, dispute not properly noted. 

Violations : FCRA 1681s-2 ( b ), 1681i ; FDCPA 807 ( 8 ). 

XXXX XXXX  / XXXX Rewards ( Acct # XXXX ) Conflicting balances ( {$1400.00} vs {$1300.00} ), high balance shows {$0.00} with over-limit usage, inconsistent lates. 

Violations : FCRA 1681e ( b ) ; FDCPA 807 ( 2 ) ( A ). 

XXXX ( Acct # XXXX ) Conflicting statuses ( open vs closed ), dispute unresolved, inconsistent lates. 

Violations : FCRA 1681i ; FCRA 1681s-2 ( a ) ( 1 ). 

XXXX  XXXX ( Acct # XXXX ) Reported as open/closed simultaneously, {$0.00} vs {$400.00} credit limit, dispute resolved but derogatories remain. 

Violations : FCRA 1681i, 1681s-2 ( b ) ; FDCPA 807 ( 2 ) ( A ). 

XXXX XXXX XXXX  ( Acct # XXXX ) Charge-off vs unpaid loss, balances differ ( {$800.00} vs {$1100.00} ), inconsistent late history. 

Violations : FCRA 1681e ( b ), 1681i. 

XXXX XXXX  ( Acct # XXXX ) Charge-off with missing history, inconsistent remarks, balance exceeds limit ( {$2900.00} vs {$2300.00} ). 

Violations : FCRA 1681e ( b ), 1681i. 

XXXX XXXX  XXXX Acct # XXXX ) Charge-off but different credit limits ( {$0.00} vs {$1400.00} ), inconsistent lates, false unpaid balance loss. 

Violations : FCRA 1681e ( b ) ; FDCPA 807 ( 2 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) XXXX {$1000.00} vs {$700.00} limit, marked as charge-off but no history available. 

Violations : FCRA 1681e ( b ), 1681s-2 ( a ). 

Violation Totals Total Violations : 18 Damages Owed : {$18000.00} ( at {$1000.00} per violation under FCRA/FDCPA statutory damages ).

Company response to consumer: Closed with non-monetary relief