vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-06-02 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 noticed an inaccuracy on my credit report regarding an account reported by XXXX XXXX XXXX Despite my previous efforts to dispute this information directly with the credit reporting agency and the furnisher, the issue remains unresolved. I submitted a formal dispute on requesting a thorough investigation and verification of the account details, but the investigation did not resolve the error.

The account in question is being reported with incorrect or unverifiable information, including. I requested documentation to validate the accuracy of the account, including contracts, billing statements, and payment records, but this information was not provided.

As of today, the issue is still unresolved, and my credit report continues to reflect inaccurate information, which negatively impacts my creditworthiness. I am requesting a comprehensive reinvestigation of this account in compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-02 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: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-02 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: CT

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-06-02 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: Chime Financial Inc
State: PA

Complaint narrative:
Since my incarceration in XXXX of 2020 there was funds in and out of my account due to unemployment claims being filed in my name fraudulently, the total comes to roughly around XXXX. I disputed these transactions about 5 or 6 times already but chime is denying my dispute claim in which I believe there should not be any reason why my claim is getting denied. I did not authorize any of the transactions nor did I give anyone access to my account Ive been disputing these transactions transactions all together theres about XXXX something transactions but Ive been disputing them and getting denied for about 2 years now, Im tired and have exhausted all remedies I even called the department of labor and notified them as well about the fraudulent activities Ive uploaded proof of my incarceration and countless other documents that they dont even look at they are also not telling me why are they determining not to reimburse my money and honor my dispute claim. When initially filing the dispute I was told that they could not because whoever made the fraudulent transactions already had disputed the claims before I was able to be released from prison and access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
Equifax has failed to provide the currect information that pertains to me. I wasn't able to access any account information since XXXX. On XX/XX/XXXX, I reached back out to Equifax and rrquested thst they provide me with access to my account or I will be seeking legal actions. I was finally able to access my account to see what was on my credit profile but the information has not been updated on my account sense XXXX. They mailed me a copy of my report that they can actually see but it also included information that pertained to another person by the name of XXXX XXXX. I am a vitcim of Identity Theft! Therefore, to see that my information isnt correct and up to date and that they mailed me a report with someone else name on it is very disappointing. I reached back out to them and once I provided them with the report number as they asked, he ( the representative at Equifax ) hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
CRME sent me a text claiming I owe them monies for a debt, but they have not provided any supporting information and have not responded to my validation of debt. See communication sent to CRME below : To CRME, I am writing regarding a debt that you claim I owe, referenced by the account number you have attached,. Please be advised that I do not recognize this debt as mine. 
Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide me with the following information to validate this debt : 1 The amount of the debt ; 2 The name of the creditor to whom the debt is currently owed ; 3 Detailed documentation proving that I am legally responsible for this debt ; 4 A copy of the original contract or agreement bearing my signature ; 5 A full accounting of all fees and charges that have been added to the original debt ; 6 Proof that you are authorized to collect debts in my state ; 7 The original creditors contact information ; 8 Verification or judgment details if applicable : 9 Validation of the address below, as that is not my address, and not even the state I live in. I hereby demand where this information came from as its obviously not mine.

Please cease all collection activities and communications until you have provided this validation. If you can not provide the requested documentation, you are required to cease collection efforts and remove any negative credit reporting related to this debt effectively immediately. Additionally, if you have reported this debt to any credit reporting agencies, please notify them that this debt is disputed. 
Thank you for your prompt attention to this matter. I expect a response within 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian and Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX {$210.00XXXX XXXX XXXXXXXX XXXX XXXX {$130.00XXXX XXXX XXXXXXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXXXXXX BALANCED {$140.00} XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX BALANCED {$170.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX BALANCED {$1500.00} XXXX XXXX XXXX XXXX {$8000.00} XXXX XXXX XXXX XXXX BALANCED {$1600.00} XXXX XXXX XXXX BALANCED {$2800.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX  - XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX XXXX - XX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian and Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX {$210.00XXXX XXXX XXXXXXXX XXXX XXXX {$130.00XXXX XXXX XXXXXXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXXXXXX BALANCED {$140.00} XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX BALANCED {$170.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX BALANCED {$1500.00} XXXX XXXX XXXX XXXX {$8000.00} XXXX XXXX XXXX XXXX BALANCED {$1600.00} XXXX XXXX XXXX BALANCED {$2800.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX  - XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX XXXX - XX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-06-02 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:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit XXXX to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
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 XXXXXX/XX/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 2025-06-02 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-02 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: CL Holdings LLC
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. They are hurting my ability to obtain credit and making it hard for me to move on in life. I'm a victim of identity theft, and it has caused a big loss in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year>XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : 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. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are 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 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX of Incident : XX/XX/year> Amount Paid : {$3500.00} via XXXX XXXX Wells Fargo account ) Recipient Name : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Instagram Alias : trappers_wayout Summary of What Happened On XX/XX/year>, I paid {$3500.00} via XXXX from my Wells Fargo account to an individual named XXXX XXXX, who operates under the business XXXX XXXX XXXX XXXX XXXX and the XXXX name trappers_wayout. This payment was made in exchange for a credit mentorship program, which was advertised as a legal and professional service to improve my credit and offer training in the credit repair business. 

Before making the payment, I specifically asked XXXX if the course involved any illegal or identity-based credit sweep tactics. He assured me that everything was fully legal and compliant. 

However, once I received access to the program materials, it quickly became clear that the teachings involved false identity theft claims submitted to credit bureausa federal crime and direct violation of the Credit Repair Organizations XXXX ( XXXX ). These methods are unethical and illegal. 

When I confronted XXXX and requested a refund due to the misrepresentation of services, he refused and blocked me from all communication channels, including XXXX and text. 

Actions Taken - I have reported the fraud to the BBB, CFPB, and FBI. 
- I am pursuing a small claims court case and reporting the incident to Maryland 's Attorney General. 
- I am also filing this CFPB complaint to notify Wells Fargo that XXXX was used as the payment method to carry out fraud, and to request that Wells Fargo take action on the abuse of its payment services platform. 

Why Wells Fargo is Included in This Complaint XXXX, as integrated with Wells Fargo, was used to facilitate a fraudulent business transaction under false pretenses. Im requesting that Wells Fargo : 1. Investigate the XXXX transaction made to XXXX XXXX on XX/XX/year> XXXX. XXXX the recipient account for fraudulent activity 3. Consider reimbursement due to misrepresentation and fraud under XXXX consumer protections

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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief