vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: MN

Complaint narrative:
There are multiple accounts being reported under my name that do not belong to me and are clearly mixed with someone elses credit information. I have never opened, authorized, or managed these accounts, yet they continue to appear on my credit report. This situation is completely unacceptable and presents a false and damaging picture of my financial history. It is deeply concerning that such inaccurate data has been associated with 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 non-monetary relief
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
EQUIFAX I am submitting this complaint because my Equifax credit report contains several accounts and notations that I believe are inaccurate, incomplete, or unverifiable. 
I have previously disputed these items directly with Equifax and/or the data furnishers but have not received sufficient documentation proving the accuracy or ownership of these accounts. 

Accounts Reported as Charged Off ( to be investigated ) : XXXX XXXXXXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$0.00} XXXX Bank Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$0.00} XXXX Bank Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX Bank ( XXXX ) Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$630.00} XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$0.00} Late Payment Notation : XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX I am requesting Equifax to : Conduct a full reinvestigation under the FCRA ( 15 U.S.C. 1681i ). 

Provide verification from the data furnishers with signed documentation proving the accuracy and ownership of each account. 

Delete or correct any item that can not be fully verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report XXXX : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact EXPERIAN to report this issue, but I have not received a clear or satisfactory resolution.

I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family.

It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal andfinancialharm.

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 2025-11-10 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: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
There is a company called XXXX XXXX XXXX that keeps reporting on my credit every month for the last XXXX years or so. There are XXXX accounts XXXX of them is for {$550.00} the other one is {$540.00}. I have absolutely no clue what this debt is or what this company is. I did a XXXX search and it shows that its a doctors office that I have never visited a day of my life, I have been reporting it continuously to the bureau, disputing it as an inaccurate account and it keeps coming back as valid, but I have no idea what this is. I need to have this removed from my credit report ASAP because it is continuously dragging my score down and I dont even know what it is. I have never ever been to this place. Im not even aware if its a real place. when I did the XXXX search. There are others that say that they have gotten this on their credit report with no letters or anything and theyve never visited this place so this place has to be a scam and also theres a place called XXXX XXXX XXXX which Im assuming is the third-party that is supposed to be collecting for them, but I have no idea who the original person is and I would like this fixed ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my XXXX XXXX : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$59000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$74000.00} These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate 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 non-monetary relief
Consumer complaint received 2025-11-10 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} 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 : {$560.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: WA

Complaint narrative:
Keybank 's failure to pay {$500.00} new account bonus ( Promo : XXXX ) and subsequent " bait-and-switch '' Keybank is unlawfully withholding XXXX {$500.00} promotional bonus for which I have met all requirements. The bank has not only failed to pay but has also applied an incorrect, invalid promotional code to my account to retroactively disqualify me, and is now ignoring all attempts at resolution. 

Here are the facts : The Offer : On XX/XX/year>, I opened a new XXXX account in person at the Keybank branch located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. 

My Documentation : I presented a physical mailer sent to my address with XXXX XXXX XXXX and Reservation Number XXXX, which promised a {$500.00} bonus. 

My Compliance : I fully satisfied all terms of this offer, including receiving at least XXXX direct deposits, each exceeding the {$1000.00} minimum requirement. 

Bank 's Initial Failure : Keybank failed to pay the bonus as promised. After I escalated the issue, I received a letter on XX/XX/year>, confirming a promo code was " added. '' Bank 's Deceptive " Fix '' : The code Keybank added was XXXX. This was not the code from my mailer. This XXXX promotion did not even begin until XX/XX/year>. By applying this incorrect, later-dated code, Keybank created XXXX false pretext to deny my bonus, as I had opened my account on XX/XX/XXXX. 

This is a clear " bait-and-switch. '' The bank failed to apply my valid code, and when I complained, it applied a completely different, invalid code to make me ineligible. 

For the past XXXX months, I have been stonewalled. I have emailed and called repeatedly with branch XXXX XXXX XXXX and the person who opened my account, XXXX XXXX, to have this corrected, demanding they apply the correct code ( XXXX ) that I provided at account opening. The bank has ignored me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-10 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: UT

Complaint narrative:
I am disputing the following items for Experian. The information appears inaccurate, incomplete, or unverifiable. Please conduct a reinvestigation and provide written results. 

Charged Off Accounts in Dispute ( None listed by consumer at this time ) Inquiries Under Dispute Questionable Authorization These inquiries appear excessive, repetitive, and XXXX not comply with FCRA 604 for permissible purpose. I am requesting validation and removal of any inquiry that can not be proven as authorized : List of inquiries in dispute : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX AUTO XXXX ( XX/XX/XXXX ) XXXX XXXX AUTO XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX AUTO XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX NA ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX RI ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX BANK ( XX/XX/XXXX ) XXXX BANK ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) Late Payments in Dispute Please provide verification including billing statements, payment history, due dates, and proof supporting each late mark : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX UTAH XXXX, XXXX UTAH 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 explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC
State: AZ

Complaint narrative:
This complaint is against XXXX XXXX XXXX XXXX XXXX ) for reporting a {$5700.00} collection to XXXX  with no proof that this debt exists or that they have the legal right to collect or report it. 
I have disputed this multiple times in writing with both the furnisher and XXXX. No contract, no signed documents, no billing statement, and no assignment of debt have ever been provided. 
Instead, the company continues to report this account as verified, which is a violation of FCRA 607 ( b ) ( maximum possible accuracy ), FCRA 611 ( a ) ( failure to reinvestigate ), and FDCPA 809 ( b ) ( failure to validate ). 
XXXX XXXXXXXX XXXX has threatened legal action over the phone, and continues to furnish false information despite my written disputes showing willful disregard for consumer protection laws. 
This account must be deleted immediately. If not, I will pursue civil action under FCRA 616617 and FDCPA 813 for continued inaccurate reporting and harassment. 

I requested full written validation, including the original contract and proof of debt ownership for the {$5700.00} account, but nothing has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
To Whom It May Concern, In XX/XX/year>, I enrolled in the Beyond Finance Debt Resolution Program due to a significant and unsustainable debt burden. As a Registered Nurse and the sole provider for my child, who is on the XXXX XXXX, I made this decision to regain financial stability and work toward long-term goals, including homeownership. 
Since enrolling, I have accepted all resolution offers and have consistently met the agreed-upon payment terms, as documented in the attached materials. Prior to joining the program, my credit accounts were in good standing and payments were made on time. 
I respectfully request that this context be considered in the evaluation of my credit profile, as I am actively working to restore my financial health and creditworthiness. And the accounts and their payments be updated accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: WI

Complaint narrative:
To Whom It May Concern, In XX/XX/year>, I enrolled in the Beyond Finance Debt Resolution Program due to a significant and unsustainable debt burden. As a Registered Nurse and the sole provider for my child, who is on the XXXX XXXX, I made this decision to regain financial stability and work toward long-term goals, including homeownership. 
Since enrolling, I have accepted all resolution offers and have consistently met the agreed-upon payment terms, as documented in the attached materials. Prior to joining the program, my credit accounts were in good standing and payments were made on time. 
I respectfully request that this context be considered in the evaluation of my credit profile, as I am actively working to restore my financial health and creditworthiness. And the accounts and their payments be updated accordingly. 

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

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