vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Formal Rebuttal and Demand for Validation This correspondence serves as a formal rebuttal and demand for validation regarding the above-referenced XXXX account, which is reported as a charge-off. XXXX  contradictory communications, continued reporting across all major credit bureaus, and concealment of IRS-related events constitute multiple violations of federal law, IRS reporting requirements, and equitable trust principles. 1. Contradictory Creditor Statements Letter from XXXX, DE ( XX/XX/XXXX ) : States XXXX  has not abandoned collection and balance is valid. Letter from XXXX XXXX XXXX, UT ( XX/XX/XXXX ) : States account is too old to sue ( time-barred ). These contradictions prove the account is unverifiable under FCRA 611 and constitute false representations under FDCPA 807 ( 2 ) ( A ). 2. Illegal Re-Aging Across All CRAs This account is still showing on XXXX, XXXX, and TransUnion as an active charge-off with balance due. Each bureau reports continuous CO charge-off updates from XXXX through XXXX. Once charged off, an account can not legally be re-aged and reported as new each month. This violates FCRA 607 ( b ) ( accuracy ), FCRA 623 ( a ) ( XXXX ) ( A ) ( furnisher duty ), and XXXX XXXX reporting standards. 3. IRS Reporting and Constructive Trust By charging off the account, XXXX secured a tax benefit. If the account was sold, securitized, or transferred, XXXX also realized proceeds. Under equitable trust principles, those proceeds are tied to my signature/SSN as the original security and can not be concealed while continuing to report the balance under my name. I demand all related IRS filings ( 1099-C, 1099-B, 1041 or equivalent ). If no filings exist, XXXX must explain why, despite a charge-off, securitization, or sale, nothing was reported to the IRS. XXXX. Pattern of Willful Noncompliance I have already disputed this account with all three CRAs, with XXXX directly, and through the CFPB. Reporting has not been corrected and no validation has been produced. The continued reporting of contradictory and inaccurate information shows a pattern of willful neglect and noncompliance.

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 2025-08-27 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: Experian Information Solutions Inc.
State: VA

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 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Received a credit scam call, this says it is Wells Fargo, the person transferred me to a credit scam desk, had access to my credit card balances, told me three of my cards had been red flagged and reported to those card holder banks, they wanted to close the accounts on my behalf and that they were going to wipe out the debit and that I would owe nothing. I called XXXX and there are no fraudulent charges on my account or my wife 's account, eventhough the term used is " The account is XXXX XXXX '' This is the number the call came from 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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I requested to close my account & return my funds & Ally bank refused. They refused and Claimed Iam not the person on the account. I verified my credential several times but they still refused to refund the balance. All my correct information is on the bank account and has been verified many times in the past. I dont understand why theyre doing this. All I can think of is that theyre discriminating because I have a XXXX last name. Please help me resolve this. Thank you.

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 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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 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 2025-08-27 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
On my ChexSystems report ( Consumer ID XXXX ), an account from XXXX XXXX XXXX XXXX is being reported. 

The report also shows a name variation and address that are not mine. This is an error and a clear case of file-mixing, where another consumers account has been incorrectly tied to my identifiers. 

I previously asked ChexSystems to delete this XXXX account from my file because it does not belong to me, but it is still being reported. This inaccurate reporting is damaging my reputation and preventing me from accessing fair banking services.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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

1681c2 ) that you, the Experian 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 : XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX  XXXX XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXX- Account Number : XXXX, Date Opened : XXXX, Balance : {$1500.00} XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$2400.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$00.00} XXXX XXXX - Account Number XXXX XXXX, Date Opened : XXXX, Balance : {$2200.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$740.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$320.00} 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, XXXX as proof from the XXXX 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 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 2025-08-27 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NJ

Complaint narrative:
I was never notified nor given a contract. I was sent to collections for {$130.00}. I was never provided with an explanations.

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 2025-08-27 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: IL

Complaint narrative:
I did not authorize this inquiry, nor did I initiate any application for credit with the listed company. Therefore, I believe this inquiry is fraudulent and must be removed. As outlined in the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized are permitted on my credit file. Since I never gave authorization for this company to access my credit, I am formally requesting Immediate removal of the unauthorized inquiry from my credit report. Please resolve this matter within the 30-day period required by law. If you are unable to provide documented proof that I authorized this inquiry, it must be deleted immediately from my credit file.

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 2025-08-27 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: GA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-27 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: GA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-27 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: NC

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 Date : XXXX XXXX Date : XXXX XXXX  Date : XXXXXXXX XXXX XXXX Date : XXXX XXXXL Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX ACCOUNTS : XXXX & XXXX - Account Number XXXX XXXX, Date Opened : XXXX, Balance : {$220.00} XXXX BANK XXXX - Account Number XXXX XXXX, Date Opened : XXXX, Balance : {$770.00} XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XXXX, Balance : {$00.00} 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, XXXX as proof from the XXXX 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 2025-08-27 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: FL

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
To Whom It May Concern, I am writing because I am not satisfied with the results of your previous investigation regarding my CFPB complaint. Several accounts still appear on my credit report, even though I disputed them, and I believe the information is inaccurate. These errors are seriously affecting my credit score, so I am asking that these accounts be reinvestigated immediately.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know how my information was verified. I am requesting that you provide the names and contact information of everyone you contacted to verify these accounts, along with copies of any documents or records used to verify them. I also ask that you send me an updated copy of my credit report after completing this reinvestigation. 

The accounts I am disputing are : XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX 

I am asking Equifax to carefully reinvestigate each of these accounts, provide the full verification records from the original creditors, and remove any account that can not be properly verified. Some accounts are listed as charged off, but your records still show monthly payments, which is inaccurate and misleading. This incorrect information can affect how long debts appear on my credit report. 

If you do not properly reinvestigate or remove inaccurate accounts, I will consider this a violation of the FCRA and will escalate the matter by filing a formal complaint with the CFPB and FTC, and may take legal action if necessary. Please complete this reinvestigation within the 30-day period required by law and send me a corrected copy of my credit report once it is complete. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
I did not authorize this inquiry, nor did I initiate any application for credit with the listed company. Therefore, I believe this inquiry is fraudulent and must be removed. As outlined in the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized are permitted on my credit file. Since I never gave authorization for this company to access my credit, I am formally requesting Immediate removal of the unauthorized inquiry from my credit report. Please resolve this matter within the 30-day period required by law. If you are unable to provide documented proof that I authorized this inquiry, it must be deleted immediately from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-27 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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