vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Kikoff Inc.
State: MI

Complaint narrative:
this company was supposed to be helping build my credit. they charged me fees, i don't have any statements for the fees charged, then they charged me late fees on top of that, all to which i have no idea what i am being billed for. I have since tried to close the account and they haven't closed it. this hasn't helped my credit at all and i don't understand what this is even doing for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: AL

Complaint narrative:
Act according to legal deadlines to remove disputed accounts promptly.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I recently checked my credit and discovered an account reporting from credit collection services. Acct # XXXXXXXX XXXX XXXX XXXX XXXX {$180.00} first off i never recieved any letters or notifications from this company. Secondly, this isnt my account, I've never had insurance with XXXX, im asking for an immediate removal of this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX  Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

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 2025-11-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I made a payment to Comenity- Victoria 's Secret on XXXX through XXXX XXXX bill pay in which they said they didn't receive and there fore charged me XXXX dollars late fee. I called and they did credit XXXX of the XXXX dollars. 
I went on their portal and made a payment XXXX Comenity Credit Card {$80.00} XXXX I see a late fee of XXXX and XXXX charge for a " returned check fee ''. I called and they said the check was returned and there is nothing they could do. I told them I wanted to pay this then and cancel the card. They wanted to charge me {$9.00} to pay the bill with them on the phone. I hung up and paid online and am speaking to my bank who state they have not had any returned checks associated with this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
I am also filing this complaint against TransUnion for reporting the same charged-off accounts listed above. 
I have reason to believe that TransUnion is reporting inaccurate or unverified data without proper validation from the furnishers. 
This violates my rights under Section 611 ( a ) of the FCRA, which requires a credit bureau to perform a reasonable reinvestigation once a consumer disputes any information. 

I am requesting a full reinvestigation of the accounts below and deletion of any unverifiable information. 

Accounts in Dispute ( Charged-Off ) : XXXX XXXX Account XXXX. XXXX, Reported XX/XX/XXXX, XXXX {$0.00} XXXX XXXX Account XXXX. XXXX, Reported XX/XX/XXXX, XXXX {$60.00} XXXX Account XXXX. XXXX, Reported XX/XX/XXXX, XXXX {$2300.00} I request full verification from the furnishers or removal of these items from my credit report if they can not be validated.

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 2025-11-04 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: MS

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My auto loan account with TD Auto Finance has been problematic from the beginning because the company entered my XXXX  number incorrectly. As a result, I have never been able to create my online account. 

I have already sent XXXX faxes with documentation and made more than XXXX phone calls over several months, but the issue remains unresolved. Every time I call, representatives promise to fix it in a few days, but no one ever follows up. 

Because I can not access my account, I dont know when my payments are due, how much Ive paid, or how to manage my autopay settings. Most importantly, I am losing money because I can not make extra payments toward the loan principal. 

This has been an ongoing issue with very poor customer service and no resolution despite multiple attempts. 
I am attaching the XXXX PDF letters that I previously sent by fax in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: AR

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

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

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

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 explanation
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: GA

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

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

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
This is a Metro 2 and FCRA factual dispute concerning the late payments being reported on my credit report by your company. I have been disputing these for over 90 days, and you have not provided a single piece of verifiable documentation to prove the accuracy of the reporting.

I am formally requesting full verification and validation of every reported late payment.

Specifically, I requested : Payment posting records showing the exact date each payment was received and applied, Company bank statements or merchant deposit records showing when the funds were accepted, Copies of the original billing statements and any payment agreements proving the due dates and posting dates, And the method of verification relied upon by the furnisher under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

To date, no documentation has been providedonly data entries that amount to hearsay. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ( b ), and 1681e ( b ) ), and the Metro 2 Reporting Standards, furnishers and credit bureaus are required to ensure that information they report is complete, accurate, and verifiable. Reporting late payments without proof of actual delinquency is a direct violation of these laws. 
If the company can not produce its own bank transaction records or proof of payment posting, then any late payment reporting is hearsay and unverified, and it must be deleted immediately.

This failure to verify constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o, and false credit communication under FDCPA 807 ( 8 ).

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 2025-11-04 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:
Dear TransUnion, I am disputing the following entries on my credit report. Please investigate and correct any inaccuracies found. 

Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is listed as charged off with a balance of {$0.00}. Kindly verify and make any necessary updates. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is charged off with a balance of {$0.00}. Please verify and correct the status. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account shows as charged off with no balance. Please confirm its accuracy. 

Inquiries : XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Please verify these inquiries to ensure they are authorized and correctly listed. 

Late Payments : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after 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 2025-11-04 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: NJ

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 XXXX  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 Number is 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 2025-11-04 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:
I am disputing the following accounts that have been reported as charged off : XXXX ( XXXX ) - Opened XX/XX/XXXX with a balance of {$0.00} XXXX ( XXXX ) - Opened XX/XX/XXXX with a balance of {$0.00} XXXX  ( XXXX ) - Opened XX/XX/XXXX with a balance of {$570.00} XXXXXXXX XXXX XXXXXXXX ( XXXX ) - Opened XX/XX/XXXX with a balance of {$3400.00} XXXX ( XXXX ) - Opened XX/XX/XXXX with a balance of {$0.00} XXXX ( XXXX ) - Opened XX/XX/XXXX with a balance of {$2800.00} XXXX XXXX XXXX ( XXXX ) - Opened XX/XX/XXXX with a balance of {$0.00} Unknown ( XXXX ) - Opened XX/XX/XXXX with a balance of {$130.00} XXXX ( XXXX ) - Opened XX/XX/XXXX with a balance of {$130.00} Additionally, I am disputing the following inquiries that were made : XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) There are also XXXX reported late payments : XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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 2025-11-04 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-04 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Global Tel*Link Corporation
State: WI

Complaint narrative:
Ive Been Putting Money On XXXX  For awhile now and its been a hit or miss sometimes my. Money is just stolen and nothing even adds to my XXXX account Ive tried calling its very hard to even get a live person on the phone I just want all my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
In XXXX someone falsely opened a XXXX account in my name. Then stopped paying at some point. I found out when I got a call from a collections company saying I owed {$1700.00}. 

I disputed the false charge but it was denied. 7 years had passed and it was removed from my credit report. 

In XXXX of XXXX it was sold to XXXX XXXX and it showed back up on my credit report. 

I never opened an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NM

Complaint narrative:
I am writing to formally dispute and request verification of several accounts and inquiries appearing on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ), please conduct a reinvestigation and provide written confirmation of your findings. 

Charged Off Accounts XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX These accounts may be incomplete, inaccurate, or unverifiable. Please verify each and delete any that can not be validated. 

Inquiries XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries. Please confirm the permissible purpose for each. 

Late Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK # XXXX XXXX  XXXX BANK # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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