vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX  Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-21 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8400.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
have no recollection of authorizing these inquiries, and I believe they may be the result of identity theft. I request an immediate investigation and resolution. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am writing to dispute a fraudulent bank account opened in my name BMO Harris Bank

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 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year> an account was opened that I didnt open. Theres no amount showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
My vehicle was stolen and total loss on XX/XX/year>. I have attached the police report below. Ally financial was notified of this and stated they would send me further correspondence on whether they would pick the car up from the tow yard or leave it. I have reached out to ALLY several times to get clarity on this matter. Ally has placed a late payment on my account for the month of XX/XX/year> even after knowing the car was total loss and now in there possession. I have been late once over the course of the loan and this was very early on. My credit score reflects my discipline with payments and I do not appreciate the late payment being placed on my account nor the company calling me & my family demanding payment for the month of XXXX. It is now XXXX and the account is reflecting that i owe now for the month of XXXX AND XXXX. I do not want XXXX late payments on my credit because ALLY doesn't do their job. I am attaching screenshots as well as the letter that I mailed to ALLY financial to get this matter sorted out. Each time that I have called I recieve a recorded message stating they are " unavailable '' and the online chat system is asking me to call which I have done several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Wxw Investments, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XX/XX/2025 VIA CERTIFIED MAIL & EMAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : IMMEDIATE FORMAL NOTICE OF DISPUTE DEMAND FOR CORRECTIVE ACTION To Whom It May Concern : This letter serves as formal legal notice that your company has engaged in conduct that is not only egregiously unacceptable, but also in clear and direct violation of federal and state consumer protection statutes. I am placing you on immediate and irrevocable notice that I am disputing [ describe the issue briefly e.g., an unauthorized charge, a false credit report entry, a defective product, etc. ]. 

Let me be crystal clear : your actions constitute a blatant breach of consumer rights under applicable law, including but not limited to the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ), the Fair Debt Collection Practices Act, and/or the Magnuson-Moss Warranty Act, depending on the nature of your misconduct. This letter is being submitted to you in accordance with [ insert statute if applicable, e.g., 15 U.S.C. 1681i ( a ) ], and constitutes a formal demand for immediate corrective action.

The Violations in Question : Date of Incident : [ Insert date ] Account/Reference Number : [ Insert number ] Summary of Violation : [ Provide brief but firm description e.g., On the aforementioned date, your company reported false derogatory information to the credit bureaus without proper investigation, due diligence, or legal justification. ] DEMAND FOR ACTION : You are hereby demanded to take the following actions within seven ( 7 ) calendar days of receipt of this notice : 1. Cease and desist from all further collection/reporting/communication related to the disputed matter.

2. Immediately rectify and remove the offending item/information from all systems, including credit reporting bureaus if applicable.

3. Issue a formal confirmation in writing to the undersigned confirming full compliance with the demands set forth herein. 
4. Provide a complete explanation of your companys records and actions taken thus far regarding this matter.

Should you fail to fully comply within the time prescribed, I will have no hesitation whatsoever in escalating this matter to the appropriate regulatory bodies, including the Consumer Financial Protection Bureau, the Federal Trade Commission, and/or State Attorneys General, and will not hesitate to initiate civil litigation seeking full statutory, actual, and punitive damages along with attorneys fees for your unlawful actions, omissions, and failure to comply with your legal obligations. 

This is not a request it is a demand. Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
We sold our house in XX/XX/year>, at which point it was agree that this would be paid off upon the closing of the sale, we have not been provided with signed documents from both parties, or a bill or reason stating why it was not paid off- so we are under the impression it should have been paid as agreed. Service finance or credit agencies have not given or provided us with information regarding this investigation, and we have been fighting it since XX/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 explanation
Consumer complaint received 2025-07-21 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$53.00} INQUIRIES : XXXX Date : XX/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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian keeps throwing a false name on my credit report. i disputed with the CFPB before on this matter. I have sent thru the CFPB my driver 's license, social security number card and birth certificate as proof I'm not nor have i ever gone by that name. The name that keeps showing up on my credit with Esperian is XXXX XXXX XXXX THAT IS NOT ME NOR IS IT MY NAME. This is a huge violation to me and my credit file. I'm sick of this I'm seeking league action and Sueing Esperian for this inaccurate and violation done repeatedly against me. my name is XXXX XXXX XXXX XXXX going to sue EXSPERIAN because this was already disputed and deleted from my account now, they placed it again on my account and they do this every time i dispute inaccurate information on my account Experian retaliates against me and places old disputed inaccurate information on me. 

XXXX records This is where public records, such as bankruptcies, would appear on your report. 
Personal information Name XXXX XXXX Also known as XXXX XXXX XXXX Year of birth XXXX Addresses XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Employers - Personal Statements XXXXXXXX XXXX XXXX  XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING 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 2025-07-21 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I am filing this complaint regarding a debt that has been inaccurately reported and unlawfully collected by a third-party debt collector and/or credit reporting agency. 

The alleged account is marked as unpaid and delinquent, which is not true this account was paid in full. Additionally, the reporting includes a false late payment entry that I dispute entirely. 

Furthermore, the company has failed to provide : Proof of legal assignment or ownership of the debt A signed agreement obligating me to the debt Permissible purpose to access and report my credit under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b This company continues to report inaccurate information and communicate with credit bureaus without verifying the debt, in direct violation of : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g CARES Act and CFPB XXXX guidance on leniency during declared national emergencies Additionally, I believe that the credit bureaus and/or collector are selling, sharing, and trading my personal data without informed consent, which I consider to be identity theft under federal definitions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT

Complaint narrative:
Subject : Complaint about failed MoneyGram transfer involving XXXX  Dear CFPB, I am filing this complaint regarding a money transfer I made through MoneyGram, which has not been successfully delivered to the intended recipients XXXX account. 

Transaction details : - XXXX  ( reference number ) : XXXX - Amount sent : {$1500.00} - Date of transaction : XX/XX/XXXX - Recipient 's name : XXXX XXXX XXXX - Recipients phone number XXXX - Destination country : XXXX XXXX XXXX XXXX I was informed by MoneyGram that the issue lies with XXXX XXXX However, the recipient has not received any funds, and the status of the transfer remains unresolved. 

Despite repeated follow-ups with MoneyGram, I have not received a clear update, confirmation of delivery, or refund. I believe this situation represents a failure in consumer protection and fair service. 

I request that the CFPB assist in investigating this case and ensure that MoneyGram either resolves the issue or provides a full refund. 

Thank you for your attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding XXXX, which abruptly shut down and declared bankruptcy, leaving my XXXX  treatment incomplete. Despite failing to deliver the full service as promised, their financial partners have continued to demand payment. 

After the company ceased operations, I stopped making payments, as I was no longer receiving the service I had contracted for. As a result, I was sent to debt collection. I believe this is unfair and inappropriate, given that XXXX did not fulfill their end of the agreement. 

I have requested detailed information regarding my contract, payment history, and the legitimacy of continued billing after the company 's bankruptcy. I was told that documents were sent to me, but I have not received anything, nor have I been given confirmation or follow-up despite my phone calls to contact them. 

This situation has caused undue financial and emotional stress. I am seeking the CFPB 's help in resolving this matter and ensuring that consumers like myself are not held financially responsible for incomplete services from a company that is no longer operating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: 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 explanation
Consumer complaint received 2025-07-21 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kikoff Inc.
State: FL

Complaint narrative:
Kikoff Lending LLC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Status : Paid, Closed ; was 90 days past due Last Payment Made : XX/XX/year> Remarks : Closed I am writing to dispute the following information on my credit report. The items I dispute are also highlighted on the attached copy of the report I received. I Am writing to dispute the accuracy of information on my credit report, as provided by your agency. Pursuant to section 1681 of Fair Credit Reporting Act ( FCRA, I have not provided written consent for you to furnish my information to any third parties or obtain information about me. 
Upon reviewing my credit report, I have found discrepancies that indicate my rights under the FCRA may have been violated. 
This is a formal dispute under the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ).

- Item 1 : [ Kikoff Lending LLC ] Account # XXXX Account # XXXX - Account incorrect ownership. 
- I didn't open this account. 
- Payment history is inaccurate. 
-Account listed open but its closed - Account reporting late but isn't late. 
- Incorrect account balance - Account closed reporting opened. 
- Supporting documents attached : As I have not provided written consent for the collection or dissemination of my personal information. I request that you investigate these items and remove or correct the inaccurate information as soon as possible. Please send me written confirmation of the results of your investigation. 
Furthemore, I request that you remove any information obtained or furnished without my written consent from my credit report.Please ensure that all future actions comply with FCRA and respect my rights to privacy and data protection.

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