vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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:
I am disputing several unauthorized hard inquiries that appear on my credit report. I did not apply for credit, nor did I provide written or verbal authorization to any of the companies listed below. These inquiries are inaccurate, harmful to my credit score, and violate the Fair Credit Reporting Act ( FCRA ). 

XXXX. XXXX XXXX Inquiry Date : XX/XX/year> I have no knowledge of this inquiry and did not authorize XXXX XXXX to access my consumer report. 
Reporting an inquiry without permissible purpose is a violation of FCRA 604 ( a ).

If TransUnion can not verify written authorization, this inquiry must be deleted immediately pursuant to FCRA 611 ( a ). 

XXXX. XXXX Inquiry Date : XX/XX/year> This inquiry was not initiated by me, nor did I apply for any credit with XXXX. 
Under FCRA 604 ( a ) ( 3 ), a credit report may only be accessed for a valid permissible purpose. 
Failure to validate authorization requires deletion under FCRA 611 ( a ) ( 5 ). 

XXXX. XXXX Inquiry Date : XX/XX/year> I dispute this inquiry in its entirety as unauthorized. 
TransUnion is prohibited from reporting inquiries that can not be verified as legitimate under FCRA 607 ( b ). 
Please delete this inquiry if proper authorization can not be produced. 

XXXX. XXXX Inquiry Date : XX/XX/year> I did not request or consent to this inquiry. 
Reporting unverifiable inquiries constitutes inaccurate reporting under FCRA 602 ( a ) and 607 ( b ).

Immediate investigation and deletion is required under FCRA 611 ( a ). 

XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/year> I have no contractual or credit relationship with XXXX XXXX XXXX 
Accessing my credit report without authorization violates FCRA 604 ( a ). 
If no permissible purpose exists, this inquiry must be removed. 

XXXX. XXXX XXXX Inquiry Date : XX/XX/year> This inquiry is unknown to me and was not authorized. 
Under FCRA 611 ( a ) ( 1 ), TransUnion must conduct a reasonable investigation and delete any information that can not be verified as accurate and lawful. 

I request that CFPB require a full investigation into each inquiry and that all inquiries lacking documented consumer authorization be immediately and permanently deleted from my credit report. I also request written confirmation of the investigation results.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you audit this entry? It was done very late.

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 2025-12-23 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: NC

Complaint narrative:
Charged-Off / Collection Accounts in Dispute I dispute the accuracy and reporting of the following accounts on my Experian credit report. Many of these accounts show inconsistent balances, dates, or statuses and appear duplicated or misreported : Dept of Education / XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$5100.00} Dept of Education / XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$2400.00} Dept of Education / XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$3800.00} Dept of Education XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$11000.00} Dept of Education / XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$5400.00} Dept of Education / XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$3900.00} Dept of Education / XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$3900.00} Dept of Education / XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$8200.00} Dept of Education / XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$2400.00} Dept of Education / XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$2100.00} XXXX XXXX XXXX / XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$2600.00} XXXX XXXX XXXX / XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$7500.00} Dept of Education / XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$3700.00} Dept of Education / XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$1200.00} Dept of Education / XXXX  Acct # XXXX Opened XX/XX/XXXX Balance {$7300.00} XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$8100.00} U.S. Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$6400.00} I am requesting verification of ownership, balances, reporting status, and dates. If these accounts can not be fully verified, they should be corrected or removed. 

Inquiries in Dispute I do not recognize or recall authorizing the following inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify permissible purpose or remove these inquiries if authorization can not be shown. 

Late Payments in Dispute I dispute the late payment reporting on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX These late payment entries appear inconsistent or inaccurate and require verification or correction.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this escalation because Equifax continues to report unauthorized hard inquiries on my credit report despite receiving proper dispute documentation and a valid FTC Identity Theft Report. 

The hard inquiries currently appearing on my Equifax credit file were not authorized, initiated, or consented to by me. I did not apply for credit with the entities listed, nor did I give permission for my credit to be accessed. These inquiries are therefore inaccurate and the result of identity theft or unauthorized use of my personal information. 

I previously submitted a formal dispute to Equifax and provided a Federal Trade Commission ( FTC ) Identity Theft Report, which qualifies as a legally recognized identity theft affidavit under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681c-2, Equifax is required to promptly block and remove information resulting from identity theft once proper documentation is received.

Despite this, Equifax has failed to remove the unauthorized hard inquiries, failed to block them from continued reporting, and failed to provide a lawful explanation for their continued presence on my credit report. Their inaction constitutes continued reporting of inaccurate and unverifiable information, in violation of the FCRA.

Equifaxs failure to comply has caused ongoing harm, including negative impacts to my credit score, increased credit risk assessment by lenders, and emotional distress due to prolonged inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
The company offered a payout of XXXXXXXX XXXX  a week with a sign on bonus. The check was represented by Wellsfargo Bank. Because of this arrangement it put me in debt with my personal account at XXXX XXXX. This happened in fall of 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. I recently reviewed my credit report and discovered accounts and collection items that I did not open, authorize, or benefit from. 

I did not give permission to any individual or company to open these accounts on my behalf. I did not sign any contracts, applications, or agreements related to the fraudulent accounts, nor did I receive goods or services from them. These accounts are the result of unauthorized use of my personal identifying information without my knowledge or consent. 

I became aware of this issue after obtaining a copy of my credit report, where I identified accounts and collection balances that are unfamiliar to me. Upon discovery, I took immediate steps to protect myself, including disputing the fraudulent accounts and seeking assistance to prevent further misuse of my identity. 
I am writing to formally report that I am a victim of identity theft. I recently reviewed my credit report and discovered accounts and collection items that I did not open, authorize, or benefit from. 

I did not give permission to any individual or company to open these accounts on my behalf. I did not sign any contracts, applications, or agreements related to the fraudulent accounts, nor did I receive goods or services from them. These accounts are the result of unauthorized use of my personal identifying information without my knowledge or consent. 

I became aware of this issue after obtaining a copy of my credit report, where I identified accounts and collection balances that are unfamiliar to me. Upon discovery, I took immediate steps to protect myself, including disputing the fraudulent accounts and seeking assistance to prevent further misuse of my identity.

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 2025-12-23 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 deny responsibility for these accounts and request their deletion within the required timeframe.

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 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-12-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
In XXXX of XXXX I was trying to purchase a helmet from crosshelment. For {$2000.00}. Helmet was never received crosshelment kept giving me the runaround. In my mind never completing the initial transaction. In XXXX of XXXX I notified cash app of this unfinished transaction Cash App said transaction was completed once I sent the money. And I had only 60days to dispute transaction. With the pandemic I wasnt promised the product until after 60days making Cash App complacent in this scam. Unless Im wrong about the word transaction, I thought ment once money and goods were exchange?

Let me know for legal purposes so I can bring to court for any and all on going legal matters Cash App or any financial institution has pending where they tasking to recover money thats se 60 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA Method of Verification Violation XXXX XXXX I am filing this complaint regarding XXXX XXXX for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) ( 6 ) ( B ) ( iii ) and 623 ( b ). 
I disputed the accuracy of my XXXX XXXX account ( account ending in XXXX ) with the credit reporting agencies and subsequently requested the Method of Verification ( MOV ). XXXX XXXX responded through CFPB correspondence dated XX/XX/2025. However, their response failed to provide the required Method of Verification. 
XXXX XXXX did not identify : The name or position of the individual who verified the account The specific procedure used to verify the information The date the verification was conducted The specific documents relied upon to verify the account Instead, XXXX XXXX relied on generic statements referencing internal records, billing statements, and a Cardmember Agreement. This does not satisfy the statutory requirement to disclose the Method of Verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
Additionally, XXXX XXXX stated that further documentation would only be produced pursuant to a subpoena, which demonstrates a failure to conduct or disclose a reasonable investigation as required under FCRA 623 ( b ). 
Because XXXX XXXX failed to properly respond to my Method of Verification request, the continued reporting of this account is inaccurate and non-compliant with federal law.

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 2025-12-23 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: TX

Complaint narrative:
FCRA XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint regarding XXXX XXXX for XXXX to comply with the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) ( 6 ) ( B ) ( iii ) and 623 ( b ). 
I disputed the accuracy of my XXXX XXXX account ( account ending in XXXX ) with the credit reporting agencies and subsequently requested the XXXX of XXXX ( MOV ). XXXX XXXX responded through CFPB correspondence dated XX/XX/year>. However, their response failed to provide the required XXXX of XXXX. 
XXXX XXXX did not identify : The name or position of the individual who verified the account The specific procedure used to verify the information The date the verification was conducted The specific documents relied upon to verify the account Instead, XXXX XXXX relied on generic statements referencing internal records, billing statements, and a Cardmember Agreement. This does not satisfy the statutory requirement to disclose the XXXX of XXXX as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
Additionally, XXXX XXXX stated that further documentation would only be produced pursuant to a subpoena, which demonstrates a failure to conduct or disclose a reasonable investigation as required under FCRA 623 ( b ). 
Because XXXX XXXX failed to properly respond to my XXXX of XXXX request, the continued reporting of this account is inaccurate and non-compliant with federal law.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: AR

Complaint narrative:
There is not an option to close the Credit Karma Spend account on their website and chat is simply an AI interactive bot. The information on my Credit Karma Spend account is incorrect/outdate, and there is no way to update it so that it stops sending inaccurate information to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: MD

Complaint narrative:
I am submitting this formal dispute and complaint regarding inaccurate, misleading, and unverified information currently appearing on my Experian consumer credit report. A creditor is furnishing information that is factually incorrect and not legally owed, yet Experian continues to report and score this information despite my prior disputes. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), Experian is required to follow reasonable procedures to ensure maximum possible accuracy. Additionally, 15 U.S.C. 1681i requires a reasonable reinvestigation when a consumer disputes inaccurate information. Experian has failed to meet these obligations.

The continued reporting of this inaccurate dataand the allowance of the same alleged obligation to be re-reported or duplicatedhas caused ongoing harm to my credit profile and credit score. This information is misleading to potential creditors and does not reflect my true creditworthiness.

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 2025-12-23 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
my card, phone, wallet, and pin information were stolen at XXXX XXXX on XX/XX/XXXX. Multiple unauthorized transactions took place from XXXX XXXX to XX/XX/year>. I had no control over my funds and was not aware of what was happening.

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 2025-12-23 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-23 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: TN

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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