vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This letter serves as my final demand and notice before I take further action regarding the continued inaccurate reporting of late payments on both closed and open accounts appearing on my credit file. 
This matter has been disputed multiple times. You have had more than sufficient time and information to correct the inaccuracies, yet the same false information continues to be reported. 
At this point, its clear your failure to act is no longer an error its willful negligence and a direct violation of my rights under federal law. 
Let me be very clear : I am the consumer submitting this dispute directly. I am not represented by any third party, and I am fully aware of my legal rights. Sending generic stall letters or template replies instead of actual reinvestigations is unacceptable and unlawful. 
Accounts in Dispute : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
The account that was opened with the institution charged me overdraft fees and would let me over draft which result my balance to negatives due to improper maintenance on their end. Tried getting my money back but they wouldn't do anything for me requesting information but they wouldn't provide

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 2025-12-01 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: WA

Complaint narrative:
b'I am submitting this letter as my second formal dispute regarding inaccuracies appearing on my Equifax, Experian and TransUnion credit report. Despite my prior\ncorrespondence, the errors have not yet been corrected. I am formally requesting that Equifax, Experian and TransUnion conduct a thorough reinvestigation in\naccordance with the b including Sections 607(a), 611(a), and 623(a)(1)(A), to ensure that all information reported in my file is accurate,\ncomplete, and verifiableXXXX 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

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 2025-12-01 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: GA

Complaint narrative:
I am filing this complaint regarding numerous inaccuracies, outdated information, and unverifiable accounts appearing on my credit reports with Experian, Equifax, and TransUnion. Multiple addresses, including XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are inconsistently reported across the bureaus. Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  show conflicting balances, dates of last activity, and date reported. Several inquiries and new accounts, including XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX, appear with inaccurate dates or without my authorization. These discrepancies violate multiple provisions of the FCRA, including Sections 605 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 604 ( a ), as the bureaus have failed to maintain accurate, complete, and verifiable information. I request that all inaccurate, inconsistent, or outdated information be immediately investigated, corrected, or deleted, including unverifiable accounts and unauthorized inquiries, and that I receive written confirmation of all actions taken to resolve these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
I am filing this complaint regarding numerous inaccuracies, outdated information, and unverifiable accounts appearing on my credit reports with Experian, Equifax, and TransUnion. Multiple addresses, including XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are inconsistently reported across the bureaus. Accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  show conflicting balances, dates of last activity, and date reported. Several inquiries and new accounts, including XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX, appear with inaccurate dates or without my authorization. These discrepancies violate multiple provisions of the FCRA, including Sections 605 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 604 ( a ), as the bureaus have failed to maintain accurate, complete, and verifiable information. I request that all inaccurate, inconsistent, or outdated information be immediately investigated, corrected, or deleted, including unverifiable accounts and unauthorized inquiries, and that I receive written confirmation of all actions taken to resolve these issues.

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 2025-12-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX 's is claiming i opened a store card with them that has a balance of around {$1500.00}. Ive let them know it was fraudulently opened in my name and this debt was not mine. This card was opened over 8 years ago and they still are attempting to say im on the hook for the remaining balance.

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 2025-12-01 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: SC

Complaint narrative:
I am submitting this complaint because all three major credit reporting agencies Experian, Equifax, and TransUnion are reporting incorrect, inconsistent, and incomplete information on my consumer credit files, despite my efforts to resolve these matters directly with them. There are inaccurate personal identifiers such as the incorrect name XXXX XXXX XXXX appearing on my TransUnion file and incorrect addresses like XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX appearing on my Equifax report and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX appearing on my TransUnion report, none of which accurately represent my identity or residence history. Additionally, several accounts are being reported with late payments that do not match my actual payment history, documentation, or the way I maintained these accounts. These include my XXXX Mortgage account ( XXXXXXXX XXXX XXXX XXXX XXXX ) reported by all bureaus with XXXX late payments for XXXX and XX/XX/year>, even though I kept this mortgage as a priority and made those payments as agreed. My XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) is also inaccurately reported with a XXXX late payment in XX/XX/year> across all bureaus although my records reflect that this payment was properly managed. My XXXX  XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) shows a XXXX late payment with TransUnion and Equifax but not with Experian, and this inconsistency does not align with the payment activity I maintained nor my personal records, as this account was handled responsibly. Additionally, my closed XXXX  XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX ) is being reported with a XXXX late payment across the bureaus despite the fact that I paid this account responsibly, paid it down to a {$0.00} balance, and closed it properly. These errors affect my creditworthiness and fail to comply with the requirements of the Fair Credit Reporting Act, including FCRA 602 requiring accuracy and fairness, FCRA 611 outlining my right to dispute incorrect information, FCRA 623 ( a ) ( 2 ) requiring furnishers to correct and update inaccurate or incomplete information, and FCRA 623 ( b ) requiring a reasonable investigation upon notice. I have provided detailed disputes to each bureau, and all of this information should be thoroughly corrected so that my files accurately reflect my identity and my true payment history.

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 2025-12-01 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I am contacting you regarding several items on my credit report that are inaccurate and appear to be the result of identity theft. These accounts and/or inquiries were opened or made without my knowledge or consent. I have reason to believe that my personal information was used fraudulently, and I have taken immediate steps to report the identity theft. 
I respectfully request that you conduct a thorough investigation of the disputed items and remove any information that is found to be unauthorized or incorrect. I am prepared to provide supporting documentation, including an identity theft report, police report, and any other relevant evidence needed to resolve this matter. 

XXXX XXXXXXXX HARRIS & HARRIS XXXX XXXX XXXX XXXXXXXX, IL XXXX ( XXXX ) XXXX XXXX Harris & Harris ACCOUNT TYPE Collection Account DATE OPENED XX/XX/year> BALANCE {$3300.00} ORIGINAL CREDITOR 11 T MOBILE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways that are profoundly negative, and I insist they be addressed immediately during these challenging times. Correcting or removing them would provide significant relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$13000.00}

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
IDENTITY THEFT I HAVE NOT KNOW OF THIS INFORMATION THAT IS ON MY COSUMER REPORT For more than a year, TransUnion has repeatedly mixed my credit file with another consumer, causing ongoing reporting errors, credit denials, and financial harm. Despite multiple disputes, TransUnion continues to reinsert incorrect personal information and derogatory accounts after they were removed. 

These are the specific issues : TransUnion is reporting an address I have never lived at : XXXX XXXX XXXX XXXX, XXXX, CA. 
I have never lived at this location, never used it on any application, and no creditor of mine has ever furnished this address. This is a mixed-file error. 

TransUnion is reporting a false name variation : XXXX XXXX XXXX My legal name does not include a middle initial. I have never used a middle initial on any identification, credit application, or government document. This incorrect variation continues to reappear after removal. 

Derogatory accounts tied to the wrong personal identifiers continue to appear or reappear. 
Accounts associated with the wrong name variation or wrong address are being linked to my credit file. These items do not belong to me and have been deleted previously but keep reappearing without proper notice or verification. 

TransUnion is violating FCRA reinsertion rules. 
Items previously deleted have been placed back on my report without providing reinsertion notice, which is required under FCRA 611 ( a ) ( 5 ) ( B ).

The mixed-file errors have caused multiple credit denials, delays in housing applications, and financial damage. 
I have been denied housing and bank accounts because TransUnion is combining my identity with another persons information. 

TransUnion refuses to permanently correct or block the inaccurate data. 
Even when I submit disputes with proper ID, they remove the items temporarily but then reinstate them later. This shows failure to maintain reasonable procedures to assure maximum possible accuracy, in violation of FCRA 607 ( b ). 

I am requesting that the CFPB require TransUnion to : Permanently delete the incorrect address ( XXXX XXXX XXXX XXXX ). 

Permanently remove all incorrect name variations ( remove XXXX XXXX XXXX ). 

Remove all derogatory accounts tied to incorrect identifiers. 

Provide details and documentation of any reinsertion. 

Complete a full identity file split under FCRA 603 ( c ) to prevent my file from merging with another consumers in the future. 

Confirm compliance in writing. 

This situation has been ongoing and has materially harmed my ability to obtain housing, credit, and financial services. I need the CFPBs help to compel TransUnion to correct these violations.

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 2025-12-01 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$5500.00} OFFICE OF THE ATTY GEN # XXXX XX/XX/XXXX -- {$690.00} XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$7400.00}

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 2025-12-01 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:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways that are profoundly negative, and I insist they be addressed immediately during these challenging times. Correcting or removing them would provide significant relief.

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: LA

Complaint narrative:
Cashapp stole my money closed my disputes and banned my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report as it is hurting my ability to obtain credit.

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 2025-12-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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