vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: Kikoff Inc.
State: OH

Complaint narrative:
Dear Kikoff Support Team, I am writing to formally dispute the unauthorized account opened in my name on or around XX/XX/year>, which is currently being reported on my credit report. I previously submitted an identity theft report to you and received your denial response. However, I am reasserting that this account was fraudulently opened without my knowledge or consent. 

Your investigation cites that personal information such as my name, Social Security number, address, and email were used in the application. Unfortunately, the use of my personal informationincluding correct or previously known contact detailsdoes not prove that I authorized or opened this account. Identity thieves often have access to such data, especially after widespread data breaches in recent years. 

Furthermore : The email address and phone number used may have been compromised or spoofed.

The device location you reference as matching mine is vague and insufficient evidence of my direct involvement.

The payment history and on-time payments are irrelevant to my claim of identity theftunauthorized users may maintain accounts for a period of time before the fraud is discovered.

The electronic agreement to terms can also be fraudulently executed if my identity was stolen. 

I am submitting additional documentation with this complaint, including : A police report regarding the identity theft ( or confirmation that it is being filed ) My FTC Identity Theft Report and Affidavit A copy of my government-issued ID Proof of my residence at the time in question Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately : 1. Remove this account from my credit report, 2. Cease all reporting of this tradeline to the credit bureaus, 3. Provide written confirmation that the account has been removed and marked as fraudulent. 

If you continue to report this account without sufficient proof of my authorization, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

I trust you will reassess your position in light of this additional information and documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-07-29 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:
I disputed the following items to the Credit Bureaus but I have not received any response from them. I do not recognize them at all. Please remove these inaccuracy as I do not believe it even belongs to me. This is in accordance withViolation of 15 U.S.C. 1681i ( a ) ( 5 ) - any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete.

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 2025-07-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: A-1 Premium Acceptance, Inc.
State: LA

Complaint narrative:
On XX/XX/year> I signed for a {$150.00} loan that was supposed to be funded the next business day. It never came so I called and was transferred to the funding department but I just sat on hold. Sent numerous emails and online submissions to cancel my account so I dont get charged on my scheduled payment date of XX/XX/XXXX for {$48.00}. Just received an email that my payment will be deducted on XX/XX/XXXX. I sent a ACH revoke request but havent received any confirmation. 
Loan # XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
In XXXX  I paid {$15000.00} to XXXX XXXX XXXX with the understanding that the funds would be applied toward my federal student loan balance. XXXX was acting as a third-party collection agency at the time. I was assured the payment would be submitted directly to the U.S. Department of Education or to the appropriate loan servicer. 

However, I have recently learnedafter checking my federal loan account through studentaid.govthat the payment was never received or applied to my loans. I contacted the Department of Education and confirmed there is no record of any payment from XXXX XXXX XXXX in XXXX 

XXXX XXXX is no longer contracted with the Department of Education. I also learned that they may have stopped collecting on federal loans around XX/XX/year>, which aligns with when COVID-19 emergency measures and forbearances began. I now fear that my funds were either mishandled or withheld. 

This {$15000.00} payment was made in good faith to resolve my student debt, and I have lost confidence that it was used appropriately. I am requesting : 1. A full investigation into XXXX XXXX XXXX 's handling of my paymXXXX XXXX XXXXation of where my funds went XXXX. Support recovering my funds or having them properly applied to my loan balance XXXX. Potential damages if misconduct is confirmed I have documentation to support the amount paid, the date, and the intended purpose. I am deeply concerned that I was misled or defrauded, and I want accountability.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I made a purchase for services regarding a helicopter ride. That merchant emailed me and responded with we can not do a ride this late in time you need to reschedule. I then responded to that email asking if I can get a refund I have not heard from the company ever since then this is back in XX/XX/2024. I disputed the charge with my bank and my bank actually closed my account and now I can not get a refund and Im still trying to contact the merchant of this day and I have not heard a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My account was scammed Or Fraud I didnt not do anything with 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 2025-07-29 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: NC

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 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 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

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 2025-07-29 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: MI

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

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
To Whom It May Concern : I am filing this complaint because despite multiple disputes and submission of supporting documentation, Equifax, Experian, and TransUnion have failed to correct or remove fraudulent and inaccurately reported accounts that are the direct result of identity theft.

Timeline & History of Disputes : XX/XX/XXXX  Filed FTC Identity Theft Report # XXXX and placed an extended fraud alert. 

XX/XX/XXXX  Submitted formal written disputes to all three bureaus ( copies enclosed ), including : Government-issued ID Proof of address Highlighted three-bureau reports showing inconsistencies FTC Identity Theft Report XX/XX/XXXX  Follow-up disputes sent due to non-removal of fraudulent accounts, citing specific FCRA sections. 

Fraudulent Accounts Still Reporting : Equifax : XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) {$0.00} Collection Reported only by Equifax ; not present or positive on other bureaus. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Inconsistent with other bureaus ; should be blocked under FCRA 605B. 

TransUnion : XXXX ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) {$620.00} Collection Not reporting on Equifax, reported differently on Experian. 

Legal Violations : Each bureau has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 605B Failure to block identity theftrelated information within 4 business days of receiving my FTC report.
FCRA 611 Failure to delete unverifiable and inaccurate information after dispute.

FCRA 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy, evidenced by discrepancies among bureaus.

FCRA 1681 ( a ) ( 4 ) Violation of my right to privacy by continuing to publish fraudulent information. 

Evidence of Noncompliance : FTC Identity Theft Report # XXXX Dispute letters to all three bureaus ( XX/XX/XXXX  ) Three-bureau credit report highlighting inconsistent reporting Documentation showing prior complaints filed with FTC and the California Attorney General These inaccuracies have caused ongoing harm, including : Denial of credit due to falsely reported collections. 

Emotional distress and reputational harm. 

Additional time and expense in pursuing repeated disputes.

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 2025-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
On XX/XX/year> I received a text from Gulf Coast Collection Bureau claiming they are trying to collect an outstanding debt on behalf of XXXX XXXX XXXX. Their text did not include an amount, but did include a reference number of XXXX. I immediately contacted XXXX XXXX who assured me I have no outstanding debt and that they have not sent anything to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: 2288984 Ontario Inc.
State: AR

Complaint narrative:
On Tuesday XX/XX/2025 I was contacted by an assumed debt collector for XXXX I was at work so I could not answer. The individual who stated his name in the voicemail as XXXX XXXX threatened negative legal action and threatened garnishing of wages and said that the full payment was needed by XXXX  which is two days later. This person called my wife and left her a threatening voicemail. This person also called my mother disclosing information about the debt and had the same threatening tone as when he contacted my wife and I. My wife called the number back and they demanded her give them my social security number and birthdate. She refused because she questioned the legitimacy of the caller because of the nature of the voicemails sent to the 3 of us. The man who answered my wifes call when she returned the call would not identify himself or tell her the company he works for. My wife looked up the phone number on XXXX and it traced back to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
In accordance with the Fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A.States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
In accordance with the Fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A.States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently looked at my credit report and found multiple Inquiries that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent inquiries from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentinquiries below. XXXX XXXX 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 2025-07-29 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: IN

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 2025-07-29 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. Specifically, there is an account listed that does not belong to meit belongs to someone else entirely, and it appears that my credit file has been inappropriately mixed with another individual 's financial data. 

This is a serious error. The account in question is not mine, and I have no connection whatsoever to the person it belongs to. I have never opened or been associated with this account, and its presence on my credit report is not only misleading but also damaging to my financial standing.

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 2025-07-29 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: CA

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 CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2200.00} INQUIRIES : XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief