vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-14 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
On reviewing my TransUnion credit report, I discovered several serious inaccuracies and violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. TransUnion is knowingly reporting wrong addresses, including XXXX XXXX, XXXX GA XXXX and XXXX XXXX, XXXX XXXX GA XXXX, which I have never lived at or been associated with. This creates the false impression that I have a different residency history and raises the possibility of file mixing or identity confusion. They are also reporting unverifiable negative accounts such as XXXX  XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX listed as a charge-off, XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both showing late payments without proof, and multiple XXXX XXXX XXXXXXXX medical collection accounts ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and another # XXXX XXXX XXXX XXXX XXXX XXXX ) with balances as high as {$29000.00}, none of which have been validated or shown to be HIPAA compliant . These medical debts are being disclosed in violation of my privacy rights, and no original bills or proper validation have been provided. In addition, there are multiple unauthorized hard inquiries appearing on my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX that I never approved, which violates FCRA 1681b regarding permissible purpose. I previously disputed these accounts, but TransUnion failed to conduct a reasonable reinvestigation as required under FCRA 1681i and continues to report them without providing any real proof. This is not just negligence ; it shows willful disregard for the accuracy requirements of 1681e ( b ) and the duty to delete unverifiable information under 1681i ( a ) ( 5 ). The continued reporting of false, incomplete, and unverified information is damaging my creditworthiness and preventing me from accessing fair financial opportunities. I am requesting that the CFPB take immediate action to hold TransUnion accountable for these ongoing violations and compel them to remove all inaccurate, unverifiable, and unauthorized information from my file.

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 2025-08-14 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
On my credit report it is listed that I owe {$3900.00} on the XXXX card however this has been for over a year. They refuse to correct and delete the account from my credit report. I have disputed it several times and they always report the information as accurate.

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Comerica
State: IL

Complaint narrative:
Subject : XXXX XXXX Failure to Resolve Fraud Dispute, Claim # XXXX Company : Comerica Bank XXXX XXXX XXXX Account Type : Prepaid Government Benefits Card ( Pension ) Complaint Details : On XX/XX/year>, XXXX unauthorized charges totaling {$960.00} were withdrawn from my XXXX XXXX account by a company listed as XXXX  XXXX : {$600.00} {$200.00} {$150.00} I have never authorized any transaction with XXXX  XXXX. I discovered these charges immediately and contacted XXXX XXXX the same day. 

Attempts to Resolve : XX/XX/year> : Called multiple times, was on hold for over an hour each time, then disconnected. 

XX/XX/year> : Finally reached a representative who stopped my card, issued a new one, and transferred me to the Disputes Department, where I was disconnected again after another long hold. 

Later that day : Spoke to another representative who told me I could not file a dispute until the charges cleared. 

Once charges cleared, after XXXX  days, XX/XX/XXXX, the charges were no longer pending. I was instructed to email the disputes department with my DOB, SSN, claim number, and disputed charges. I sent the email the same day and again later as a follow-up. 


Current Status : It has been over XXXX  days with no confirmation of my dispute and no refund. This delay is causing severe financial hardship as this pension is my only source of income. I can not pay my bills and am accruing late fees because of the inaction. Im now facing final notices from my bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-14 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
AWA COLLECTIONS has appeared on my report along with an address I have never lived at. I have requested in writing I have a copy of all paperwork showing my wet signature and did not hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
Dear CFPB, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX {$690.00}? 
I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. 
Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : - [ x ] Original Credit Agreement proves the contract I signed - [ x ] Full Itemized Statement shows how the balance was calculated - [ x ] Forward Flow Agreement proves debt was legitimately transferred to collector - [ x ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ x ] Payment History Records verifies payments made or missed - [ x ] Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice - [ x ] Notice of Default or Intent to Collect proof of communication as required by law - [ x ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ x ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ x ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k.

Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MS

Complaint narrative:
They violated my right as a consumer under 15USC1681B and I need these accounts blocked and deleted as soon as possible.

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 2025-08-14 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: MS

Complaint narrative:
They violated my right as a consumer under 15USC1681B and I need these accounts blocked and deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
1. Public Records Are Not Automatically Reportable Under FCRA While XXXX  filings may be public records, the FCRA 15 U.S.C. 1681e ( b ) requires that all information you report must be complete and accurate. Public record status does not create an exemption from accuracy, verification, or permissible purpose requirements. Reporting simply because a record existswithout strict verification of accuracy and compliance with all consumer protection provisionsis a violation. 

2. Failure to Follow Metro 2 Reporting Standards Under the Metro 2 Format, a XXXX  must be reported with exact compliance to industry data furnisher guidelines, including accurate Compliance Condition Codes, correct Date of First Delinquency ( DOFD ), and removal if unverifiable. If the information you are reporting can not be fully verified to Metro 2 standardsdown to the original source documentationyou must delete it pursuant to FCRA 1681i ( a ).

3. Legal Duty to Use Maximum Possible Accuracy FCRA 15 U.S.C. 1681e ( b ) states :

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 2025-08-14 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: I.C. System, Inc.
State: FL

Complaint narrative:
I am formally filing a complaint with XXXX XXXX XXXX XXXX XXXX  ) data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX[Date]XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Inaccurate Credit Information\n\nDear [XXXX  / XXXX  / XXXX],\nI am writing to formally dispute inaccurate information appearing on my credit report. Please investigate and remove or correct the following accounts:\n1.\nCreditor Name: XXXX XXXXAccount Number: XXXXDispute Reason: Inaccurate\n\n2.\nCreditor Name: XXXXXXXX XXXX XXXXAccount Number: XXXXDispute Reason: Inaccurate\n\n3.\nCreditor Name: XXXX XXXX XXXXAccount Number: XXXXnDispute Reason: Inaccurate\n\n\nThe above items are incorrect and should not be included in my credit file. I am requesting a reinvestigation of these accounts. If you cannot verify their accuracy, I request that they be deleted. Please respond with the results of your investigation and provide an updated copy of my credit report. I have attached any relevant documentation to support my claims.\n\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Personal loans XXXX. XXXX XXXXXXXX XXXX XXXX  installment loan XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Checking account. Fraud. 
XXXX XXXX XXXXXXXX XXXX. Checking. Fraud

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 2025-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westcreek Financial
State: NJ

Complaint narrative:
Consumer Information : Name : XXXX XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Credit Bureau XXXX XXXX  Details of Dispute : I am formally disputing an unauthorized account appearing on my credit report. This accountan auto loan purportedly opened in my name with Koalafi ( formerly West Creek Financial ) was not authorized by me and is the result of identity theft. 

Disputed Account Details : Creditor : Koalafi ( formerly West Creek Financial ) Date Opened : XX/XX/year> Request : Please investigate this matter and remove the fraudulent account from my credit report. 

Place a fraud alert on my credit file. 

Notify all credit agencies to help prevent further misuse of my personal information. 

Supporting Documentation ( attached ) : Government-issued passport card Dispute letter sent to Koalafi XXXX report Police Report # XXXX filed with XXXXXXXX XXXX XXXXt FTC identity theft report Additional Notes : I have already sent a certified letter to XXXX  regarding this dispute . If further information or documentation is needed, I am available via any method convenient to XXXX  or the CFPB. 

Desired Outcome : Removal of the unauthorized account Fraud alert placed on my credit file Confirmation of investigation and resolution Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: PA

Complaint narrative:
Helllo pls remve the items ; Im the victim of idntity theft. Wipe clean the informtion pls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: PA

Complaint narrative:
Helllo pls remve the items ; Im the victim of idntity theft. Wipe clean the informtion pls.

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 2025-08-14 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-14 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:
I am filing this formal complaint against TransUnion for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, TransUnion has failed to remove or block fraudulent accounts from my credit file as required by law. The accounts in question include XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX, which the banks confirmed would be deleted but remains on my report. All of these accounts are the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. XXXX refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting accounts without proper notice. These failures have caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

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