vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
Ive disputed this account multiple times with XXXX. I requested verification under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 611XXXX XXXX failed to provide documentation from the furnisher or any method of verification within the legal 30-day timeframe.

Despite this, they continue to report this negative item, which is damaging my credit. They never sent me proof that I opened or authorized this account. This violates the FCRA, and I am requesting that the item be removed from my report immediately due to failure to verify. 

Attached are screenshots of my disputes and XXXX XXXX responses showing no verification was provided.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I asked Apple Card/GS Bank USA for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting XXXX XXXX XXXX XXXX  several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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:
Dear CFPB, I am sending to dispute fraudulent account on my credit reports, which have resulted from identity theft. These account were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). This account in question are : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) High Balance : {$1600.00} Account Number:XXXX Date : XX/XX/year> Duration : 7 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. CXXXXe XXXX ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Subject : Dispute of Inflated Charge-Off Balance Bank of America Credit Card To whom it may concern, I am submitting this complaint regarding a charged-off credit card account reported by Bank of America. The account was opened on XX/XX/XXXX, and had a credit limit of {$300.00}. The last known balance from my final use of the card was {$45.00}, yet the current reported charge-off balance is {$600.00}, which is both inaccurate and inflated beyond the accounts approved credit limit. 

As of XX/XX/XXXX, the account is being reported as charged off with a 100 % credit usage and a delinquency history extending back 21 months, including 120 and 150-day late marks. However, the last activity on the account was on XX/XX/XXXX, and I have attached the most recent statement from that date as supporting evidence. 

This reporting does not reflect the actual use and balance of the account and may constitute a violation of the Fair Credit Reporting Act ( FCRA ), as it portrays a materially inaccurate and damaging financial situation.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require Bank of America to : Correct the reported balance to reflect the actual amount owed at the time of last use, which was {$45.00}. 

Remove any inaccurate late payment records that do not correspond with legitimate account activity. 

Cease reporting inflated or misleading information to credit reporting agencies. 

Thank you for your attention to this matter. I am available to provide any additional documentation if needed.

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 2025-08-02 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 2025-08-02 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 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 non-monetary relief
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/year>2025, I sent a written settlement offer to Midland Credit Management via certified mail, offering {$1100.00} to settle a charged-off account. The letter was delivered and signed for on XX/XX/year>2025. I received no response. 

Instead, on XX/XX/year>2025, Midland sent a pre-legal notice threatening attorney review and possible legal action, without providing proper validation of the alleged debt or responding to my letter. This violates the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to cease collection until requested validation is provided. 

The only documents Midland has provided are billing statements from the original creditor. They have not supplied a signed agreement, a full account history, or proof of legal authority to collect the debt. 

I am filing this complaint to request that Midland validate the debt, respond to my settlement offer, and stop all collection activity until they comply with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: PA

Complaint narrative:
XXXX. TrueAccord Corporation - Account opened : XX/XX/year> - Reported amount : {$360.00} Despite my attempts to obtain sufficient validation of these debts, neither of the companies has provided proper documentation showing : - The name of the original creditor, - A breakdown of the amount owed ( principal, interest, fees ), - Verification that the debt is valid and that I am legally responsible for it. 
Due to the lack of required disclosures and failure to comply with federal validation standards, I am respectfully requesting the CFPB investigate these accounts and compel the above agencies to remove the collections from my credit report if they can not fully validate the debts in compliance with federal law. 
Attached are copies of my credit reports showing the accounts in question, as well as prior communications with the collection agencies, if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I asked Bank Of America for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting XXXX XXXX XXXX XXXX several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding 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
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Account was put as charged off and I never received a 1099-c as well when I had this card I mentioned a lot of fraudulent activity and they never investigated and said it was me after multiple times calling

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 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report. I have noticed unauthorized and fraudulent accounts that appear on my credit report that are effecting my ability to obtain credit.

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 2025-08-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My consumer report has been furnished illegally violating multiple U.S Consumer Protection Law Codes and The Fair Debt Collection Practices Act. I have already requested that all illegally furnished, inaccurate, and unverifiable information and accounts reporting were to removed immediately from my consumer report. I have submitted this request directly to the consumer reporting agency on multiple occasions, however they continue to ignore and overshadow my rights as a consumer, The U.S Consumer protection laws, and The fair Debt collection practices Act. The account was already settled as identity theft and the consumer reporting agencies and debt collection company continue to report the fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible, and been trying to call the credit bureaus for the past weeks now but their automated system is not user friendly and it just keeps on wasting my time. Please remove those alerts asap so that I can move into my new home. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
XXXX crypto exchange, I have an account that I have been unable to transact in since XX/XX/XXXX. I can log into my account, but unable to do anything else. I try to do anything, it either says action is XXXX, or I have no assets, when I have close to {$3000.00}. I have lost {$500.00} in the last week alone as I can't trade, and can only watch value decline. I have sent hundreds of messages to customer service, but get nothing but lies and no response. It's caused me so many problems not having access to my funds. Customer service is beyond incompetent. I have never experienced anything this bad in my life. I want to withdraw my funds, and close my account, but can do nothing. They just tell me lie after lie, if they even respond at all.

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 2025-08-02 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I asked american express ( AMEX ) for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting Experian, TransUnion, and Equifax several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding be removed. I am writing to dispute and demand the immediate removal of the above-referenced AMEX tradeline from my credit reports. This entry violates both the XXXX XXXX Data Specification Guidelines and multiple provisions of the Fair Credit Reporting Act ( FCRA ), making it materially inaccurate and unreportable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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:
CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-08-02 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: TX

Complaint narrative:
CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: NY

Complaint narrative:
I am filing a formal complaint against Kikoff Lending LLC for inaccurately reporting late payments on my credit report. I never received a loan, line of credit, or a credit card from this company. The nature of my arrangement with Kikoff was that I made small payments to them voluntarily so they could report positive payment history to the credit bureaus and help build my credit.

The agreement explicitly stated that once I reached a total of {$2500.00}, the funds would be returned to me. At no point did I receive money, credit, or lending services from Kikoff. Despite this, they reported the account as a " charge card '' and marked it with 30, 60, and 90-day late payments, damaging my credit unjustly.

This is misleading and inaccurate. Kikoff acted as a credit-builder service not a lender. Reporting this as a delinquent loan or credit card account is not only false but deceptive. I request that CFPB investigate this company and that all negative reporting related to this account be removed from my credit file. 

Account info : Account Number : XXXX Creditor : Kikoff Lending LLC Opened : XX/XX/XXXX Closed : XX/XX/XXXX Balance : {$0.00} Highest Balance : {$240.00} Reported as : Charge Card Status : Paid and Closed 3 late payments falsely reported : 30, 60, 90 days

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