vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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:
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 XXXX 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 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I send money to XXXX around XXXX XXXX today XX/XX/year>. I paid {$48.00} fee to be sent in minutes. This is the first time I didnt receive an email that the transaction is done but they took the money in seconds from my bank account. When I log in their system it says it is in process. I tried to call but first time in XXXX Years I saw they dont accept phone calls. I understood that there is a problem with their system which they dont admit. I tried live chat since morning. I was XXXX in the line. This was insane. Never saw this before. I finally reached out to a live agent around XXXX XXXX and theyre telling me that you know they will take a look at it. They can not do anything at the moment theyre not accepting that there is a problem and they took the money first they said they didnt take the money and then later on they store the money is taken, but theyre not resolving my issue and they kept my money all day and they said theyre gon na sold in XXXX hours which theyre gon na keep my money another XXXX hours, but it should be sending minutes. This is not the service they promise and they have no right to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: NJ

Complaint narrative:
After reviewing my credit profile I noticed a account reporting on my credit profile XXXX XXXX  opened date XX/XX/year> Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: NJ

Complaint narrative:
After reviewing my credit profile I noticed a account reporting on my credit profile XXXX XXXX  opened date XX/XX/year> Account number 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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Subject : Reporting Inaccurate and Unvalidated Debt After Formal Dispute Harris & Harris LTD is reporting a {$150.00} collection account for XXXX XXXX to all XXXX  major credit bureaus. On XX/XX/year>, I mailed a formal validation request under 15 U.S.C. 1692g, demanding proof of the original contract, itemized accounting, authority to collect, and licensing in Texas. They have failed to respond. 

Despite this, they are continuing to report the debt, which violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. The account also shows inconsistent statuses across bureaus including Refinanced, XXXX, and XXXX. No reinvestigation or correction has taken place. 

I am requesting that this account be removed from all credit reports for failure to validate and failure to conduct a lawful reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: Continental Services Group, Inc. d/b/a ConServe
State: TN

Complaint narrative:
I am filing this formal complaint against CONSERVE / XXXX  XXXX XXXX / XXXX for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. 

I have identified a derogatory trade line on my credit file ( Balance : {$970.00} ) that is demonstrably inaccurate, incomplete, and unverifiable. The reporting of this account is legally flawed for the following reasons : FRAGMENTED AND INCONSISTENT DATA : The reporting of this account varies significantly across the XXXX major credit bureaus. Specifically, the " Date Opened '' is reported inconsistently, with XXXX bureau displaying XXXX different opening dates for the same account number. It is factually impossible for a single account to have multiple origination dates. This proves the data is corrupted and unreliable. 

XXXX XXXX : XXXX bureau has failed to update the status of this account since XXXX, while others show different activity. A creditor is required to report accurate, up-to-date information. Reporting a " XXXX  '' derogatory status based on data that has not been updated in over a year is misleading and violates the accuracy standards of the FCRA. 

MISSING XXXX XXXX COMPLIANCE FIELDS : Multiple required fields in the trade line ( as dictated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX standards ) are left blank or reported as " unknown '' across the bureaus. 

I have attempted to resolve this, but the Furnisher and the CRAs continue to report this conflicting information. Because the data integrity is compromised and the bureaus can not agree on the basic facts of the account ( dates, activity, status ), the account is legally unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: AL

Complaint narrative:
b'Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report.\nXXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX  Balance Owed XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX Balance Owed XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: AL

Complaint narrative:
b'Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report.\nXXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX  Balance Owed XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX Balance Owed 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 2025-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
My federal student loan was discharged because of XXXX  XXXX  XXXX  XXXX in XXXX i legally owed {$0.00} after my discharge. 
Even after my discharge, nelnet and the U.S Dept of education continued to take money from me and incorrectly recorded it as payments these were tax refund offsets that was taken illegally. 
Nelnet payment history shows XXXX illegal offsets {$4000.00} on XXXX XXXX and {$4300.00} on XXXX XXXX These were listed as " Payment Type : Other '', even though i never made payments. 
Nelnet also sent me a false notice on XXXX XXXX saying congratulation you paid off a debt even though my loan had been discharged years earlier. This mistake caused my tax refund to be seized. 
In total, {$8400.00} was taken from me after my XXXX discharge. This is illegal because my loan was not collectible under federal law. 
Under 34 C.F.R 685.213, once a loan is discharged due to XXXX  XXXX XXXX XXXX, no collections or offsets are allowed. Nelnet and Department of Education violated this law. 
I am requesting the full refund of an illegal offsets, correction of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: TN

Complaint narrative:
I am submitting this XXXX  follow-up complaint to demand the removal of inaccurate, unauthorized, and unverifiable information from my credit report. The collection account reported by XXXX XXXX XXXX  ( Account XXXX XXXX XXXX ) with a balance of {$360.00} XXXX XXXX is inaccurate and has been reported without proper validation, in violation of FDCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ). Additionally, the inquiry from XXXX dated XXXX appears on my report without my authorization, violating FCRA 619 ( 15 U.S.C . 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ). I am formally requesting that all inaccurate, unauthorized, and unverifiable information be permanently removed from my credit report immediately, as the continued reporting of these items is harming my creditworthiness and overall financial 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 explanation
Consumer complaint received 2025-11-29 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:
I am filing this complaint because Equifax, Experian, and TransUnion are reporting inaccurate, obsolete, erroneous, misleading, and unverifiable information on my consumer reports. 
These errors have caused mental anguish, emotional distress, humiliation, economic harm, and have prevented me from obtaining credit. 

I sent written dispute letters to all three credit reporting agencies on XX/XX/year> ( copies referenced in this complaint ). My letters clearly identify that several accounts on my reports are unverified, inaccurate, or falsely attributed to me. I requested proper reinvestigation under 15 U.S.C. 1681i. 

The credit bureaus have not corrected or removed the disputed items, have not verified the sources of the information, and have not provided evidence showing that I authorized them to report or furnish any of the accounts they are publishing about 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 2025-11-29 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: TX

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion are reporting inaccurate, obsolete, erroneous, misleading, and unverifiable information on my consumer reports. 
These errors have caused mental anguish, emotional distress, humiliation, economic harm, and have prevented me from obtaining credit. 

I sent written dispute letters to all three credit reporting agencies on XX/XX/year> ( copies referenced in this complaint ). My letters clearly identify that several accounts on my reports are unverified, inaccurate, or falsely attributed to me. I requested proper reinvestigation under 15 U.S.C. 1681i. 

The credit bureaus have not corrected or removed the disputed items, have not verified the sources of the information, and have not provided evidence showing that I authorized them to report or furnish any of the accounts they are publishing about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Date XX/XX/XXXX XX/XX/XXXX {$8500.00} XX/XX/XXXX {$12000.00} action taken I have contacted the people who were to correct this information but keep stalling to notify 3 credit bureaus with update information balance information. Also filed disputes with 3 credit bureaus and credit bureaus leaves it up to the servicer to notify them when updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: TX

Complaint narrative:
these account were open without my knowledge or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: KY

Complaint narrative:
To Whom It May Concern, I am formally disputing the validity of the above-referenced account that you claim I owe in the amount of {$4600.00}, allegedly originating from XXXX XXXX. This account is reported as unpaid and assigned on XX/XX/year>, with a first delinquency date of XX/XX/year>. 

Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ) and the Fair Credit Reporting Act ( FCRA ) 611, you are required to provide proper validation of this debt. Specifically, I demand : - A copy of the original signed lease or contract with XXXX XXXX. 
- A full accounting of how the alleged balance of {$4600.00} was calculated. 
- Proof that you are legally authorized to collect this debt. 
- Documentation showing the chain of assignment from the original creditor to your agency. 

Until you provide the above documentation, you must immediately cease reporting this account to any credit bureau. Failure to comply will constitute a violation of federal law, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

If you can not provide the required validation within XXXX  days, you must delete this account from all credit reporting agencies. Continued reporting of unverifiable information is a direct violation of the FCRA and will expose you to legal liability. 

This letter is not an acknowledgment of liability for the alleged debt. It is a demand for validation and compliance with federal law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Immediate Deletion of Fraudulent Accounts To Whom It May Concern : I am writing to contest inaccurate and fraudulent information appearing on my credit report in accordance with 15 U.S.C. 1681c-2, and to formally request the blocking and deletion of this erroneous data.

Enclosed is a copy of my Police Report and/or FTC Identity Theft Report ( FTC Report XXXX : XXXX as evidence supporting my identity theft claim. As required by law, upon submission of an identity theft report, credit reporting agencies must block any information identified as stemming from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  I do not recognize or acknowledge this account/inquiry as mine. It was not opened, authorized, or initiated by me. Reporting this account constitutes a violation of my rights under : FCRA 605B ( 15 U.S.C. 1681c-2 ) Obligation to block information resulting from identity theft.

FCRA 611 ( 15 U.S.C. 1681i ) Duty to reinvestigate disputed information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers must report only accurate and verifiable information.

15 U.S.C. 1681b Prohibitions on impermissible use and reporting of non-public consumer information. 

For your convenience, I have included : Copy of my FTC Identity Theft Report and/or Police Report. 

Copy of my credit report highlighting the fraudulent account I request the immediate removal of the fraudulent account ( XXXX ) and inquiries listed above from my credit report. Copies of this packet have been transmitted to your office via Certified Mail and/or Fax for proper record. 
Sincerely, 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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Immediate Deletion of Fraudulent Accounts To Whom It May Concern : I am writing to contest inaccurate and fraudulent information appearing on my credit report in accordance with 15 U.S.C. 1681c-2, and to formally request the blocking and deletion of this erroneous data.

Enclosed is a copy of my Police Report and/or FTC Identity Theft Report ( FTC Report XXXX : XXXX as evidence supporting my identity theft claim. As required by law, upon submission of an identity theft report, credit reporting agencies must block any information identified as stemming from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  I do not recognize or acknowledge this account/inquiry as mine. It was not opened, authorized, or initiated by me. Reporting this account constitutes a violation of my rights under : FCRA 605B ( 15 U.S.C. 1681c-2 ) Obligation to block information resulting from identity theft.

FCRA 611 ( 15 U.S.C. 1681i ) Duty to reinvestigate disputed information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers must report only accurate and verifiable information.

15 U.S.C. 1681b Prohibitions on impermissible use and reporting of non-public consumer information. 

For your convenience, I have included : Copy of my FTC Identity Theft Report and/or Police Report. 

Copy of my credit report highlighting the fraudulent account I request the immediate removal of the fraudulent account ( XXXX ) and inquiries listed above from my credit report. Copies of this packet have been transmitted to your office via Certified Mail and/or Fax for proper record. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation