vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-03 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: UT

Complaint narrative:
I just reviewed my credit report and found an account listed that I have absolutely no knowledge of. Ive never opened or authorized anything related to it, and I have no connection to it whatsoever. 

This is clearly a case of mixed or incorrect data, and it has no place on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
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/year>

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 2025-06-03 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: SC

Complaint narrative:
I never applied for or benefitted from these accounts ; they were opened fraudulently using my personal information. I am requesting an FTC Identity Theft Report so I can block and remove these tradelines under 15 U.S.C. 1681c-2.

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 2025-06-03 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I reported 2 unauthorized XXXX transfers that were made one for {$190.00} and one for {$60.00}. Wells Fargo open a fraud claim for the 2 charges and closed my checking account and opened a new account. I got a letter in the mail XX/XX/XXXX saying my claim was denied. I called Wells Fargo and was told it was denied because biometrics was used to login into my account. I was not the one to log into my account and send these transfers so I dont know how someone logged into to my account but that person was not me. Wells Fargo said they cant reopen my claim and that its a hard close on there end. Its. It fair that I lose this money when I wasnt the one to authorize the XXXX transfer.

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 2025-06-03 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:
To whom it may concern, I would like to kindly bring to your attention that the personal information I have provided is the most up-to-date and accurate in accordance with the FCRA and XXXX XXXX compliance reporting standards. In case there is a mismatch with the information you have on file, it could indicate an error in your records or from the sources you use for verification purposes. I am aware that precision is vital in maintaining accuracy when dealing with transactions such as mine.

Therefore, I would respectfully request you to remove any personal information on file that does not match the details I have listed above. Additionally, I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and XXXX XXXX compliance criteria. As per the regulations, my credit profile must be accurate and comprehensive. It would be greatly appreciated if you could promptly verify and confirm all of the information in my credit report within a reasonable time frame. 
I have noticed that my credit history, as well as certain pieces of information, have never been validated or correctly reported. 
In light of this, I would like to exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. Moreover, I would like to request that any mistakes be permanently fixed immediately. Finally, I kindly ask that you investigate the origins of each account and confirm that each creditor has a legitimate basis for all queries on my credit record.

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 2025-06-03 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: NJ

Complaint narrative:
To whom it may concern, I would like to kindly bring to your attention that the personal information I have provided is the most up-to-date and accurate in accordance with the FCRA and XXXX XXXX compliance reporting standards. In case there is a mismatch with the information you have on file, it could indicate an error in your records or from the sources you use for verification purposes. I am aware that precision is vital in maintaining accuracy when dealing with transactions such as mine.

Therefore, I would respectfully request you to remove any personal information on file that does not match the details I have listed above. Additionally, I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and XXXX XXXX compliance criteria. As per the regulations, my credit profile must be accurate and comprehensive. It would be greatly appreciated if you could promptly verify and confirm all of the information in my credit report within a reasonable time frame. 
I have noticed that my credit history, as well as certain pieces of information, have never been validated or correctly reported. 
In light of this, I would like to exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. Moreover, I would like to request that any mistakes be permanently fixed immediately. Finally, I kindly ask that you investigate the origins of each account and confirm that each creditor has a legitimate basis for all queries on my credit record.

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 2025-06-03 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: GA

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  GA XXXX SSN : XXXX | DOB : XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : Metro 2 Compliance Dispute | File XXXX XXXX To Whom It May Concern, Please reinvestigate the accounts below. Each contains Metro 2 errors that make the data inaccurate or unverifiable under FCRA 611. 

1 ) * * XXXX XXXX XXXX XXXX * * Acct # XXXXXXXX XXXX XXXX XXXX XXXX ( Collection, {$620.00} ) * * DOFD is missing. * * Portfolio type mis-coded as * * Factoring Company/ Open Account * * instead of Collection.

Collection shows an * * ongoing balance and past-due amount * * though the account is coded Closed. 

2 ) * * XXXX XXXX * * Acct # XXXXXXXX XXXX XXXX XXXX XXXX ( Charge-Off, {$610.00} ) No DOFD reported. 
Past-due {$610.00} still present after charge-off. 
57 consecutive C/O codes but no freeze of payment history at DOFD.

Please delete or fully correct these trade lines to Metro 2 standards within 30 days and supply updated reports or written verification data as required. 

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 non-monetary relief
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-03 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: FL

Complaint narrative:
I am writing to formally dispute and request the blocking of accounts appearing on my credit reports that I do not recognize and did not authorize under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. I have enclosed a copy of my official FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support this request. 

Under 15 U.S.C. 1681c-2, when a consumer identifies information resulting from identity theft and provides proper documentation, credit reporting agencies are legally required to block that information within four ( 4 ) business days of receipt.

The following accounts are unrecognized and must be blocked immediately : XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} | Status : Collection/Chargeoff Reported by : TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6500.00} | Status : Collection/Chargeoff Reported by : TransUnion, XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3900.00} | Status : Collection/Chargeoff Reported by : TransUnion, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} | Status : Collection/Chargeoff Reported by : TransUnion, XXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} | Status : Collection/Chargeoff Reported by : TransUnion, XXXX XXXX Additional Context : I do not recognize these accounts , nor did I give any authorization for my personal information to be used or shared with the entities reporting them. These accounts have caused significant damage to my credit file and have prevented me from moving forward with essential financial goals, such as securing housing for my family. 

I have also contacted the credit bureaus several times by phone regarding this issue, yet I have received no meaningful resolution. Some of these accounts have even been deleted by one or more credit bureaus, which only reinforces the need for uniform removal across all agencies.

Furthermore, I have requested original contracts or documentation from the companies furnishing these accounts and, after more than 60 days, no supporting information has been provided.

Legal Action Requested : In accordance with 15 U.S.C. 1681c-2, I am requesting the immediate blocking of these unrecognized accounts from all credit reports. The FCRA requires this block to remain in place for at least one year, and I reserve the right to request an extension.

While the accounts are blocked, they may not be reported, shared, or reinserted unless strict legal requirements are met.

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 2025-06-03 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: FL

Complaint narrative:
I am writing to formally dispute and request the blocking of accounts appearing on my credit reports that I do not recognize and did not authorize under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. I have enclosed a copy of my official FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support this request. 

Under 15 U.S.C. 1681c-2, when a consumer identifies information resulting from identity theft and provides proper documentation, credit reporting agencies are legally required to block that information within four ( 4 ) business days of receipt.

The following accounts are unrecognized and must be blocked immediately : XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} | Status : Collection/Chargeoff Reported by : TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6500.00} | Status : Collection/Chargeoff Reported by : TransUnion, XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3900.00} | Status : Collection/Chargeoff Reported by : TransUnion, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} | Status : Collection/Chargeoff Reported by : TransUnion, XXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} | Status : Collection/Chargeoff Reported by : TransUnion, XXXX XXXX Additional Context : I do not recognize these accounts , nor did I give any authorization for my personal information to be used or shared with the entities reporting them. These accounts have caused significant damage to my credit file and have prevented me from moving forward with essential financial goals, such as securing housing for my family. 

I have also contacted the credit bureaus several times by phone regarding this issue, yet I have received no meaningful resolution. Some of these accounts have even been deleted by one or more credit bureaus, which only reinforces the need for uniform removal across all agencies.

Furthermore, I have requested original contracts or documentation from the companies furnishing these accounts and, after more than 60 days, no supporting information has been provided.

Legal Action Requested : In accordance with 15 U.S.C. 1681c-2, I am requesting the immediate blocking of these unrecognized accounts from all credit reports. The FCRA requires this block to remain in place for at least one year, and I reserve the right to request an extension.

While the accounts are blocked, they may not be reported, shared, or reinserted unless strict legal requirements are met.

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 2025-06-03 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The address XXXX XXXX XXXX is incorrect and per FCRA 605B and 15 1681 c-2 this fraudulent information is to be removed from my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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

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 2025-06-03 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:
I submitted dispute requests to Experian regarding several inaccurate accounts that are currently appearing on my credit report. Despite providing supporting documentation and clearly identifying the errors, Experian has failed to take any action to investigate or remove the inaccurate information. 

According to the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate disputes within 30 days and correct or delete any information found to be inaccurate or unverifiable. It has now been well beyond that time frame, and the inaccurate accounts remain on my credit report without any indication of investigation or resolution.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was instructed to submit this complaint as a result of identity theft. 3 accounts with balances are being reporting to the bureaus that aren't connected to me. On XX/XX/year> a XXXX XXXX accounts began appearing on my report with a {$77.00} balance. On XX/XX/year> a XXXX account " XXXXXXXX XXXX XXXX  '' began reporting on my credit report with a {$93.00} balance. To finalize this claim the last account " XXXX XXXX XXXX '' was opened XX/XX/year> reporting {$470.00}. I have no prior knowledge of these accounts. I never opened these accounts myself.

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 2025-06-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Kikoff Inc.
State: TX

Complaint narrative:
So last yr 2024 of XXXX. I was going through a 3rd party line of credit called kickoff which was promised to help build up my credit up I ended up losing my job that same month which I was unable to make payment arrangements I did talk to someone from the company over the phone letting them know I was without a job I wasn't able to make payments anymore I was then trying to cancel my subscription they never cancelled my account letting them over charge me for 4-5 months which brought my credit down bad and ended up me owing them over XXXX in debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation