vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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 am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within XXXX days. Relevant supporting documentation is enclosed.

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 2025-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I havent been able to access my account online in at least 6-8 months. I went into the branch and they wouldnt help me. Ive asked for all annuity statements as it appears they gave all joint monies after my divorce 14 years ago to me ex. They havent responded.

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 2025-12-23 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: IL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

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 2025-12-23 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: IL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
This letter is a request for validation made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt and request that you provide proper validation.

Please provide the following : The amount of the debt, including an itemized breakdown of any interest, fees, or charges The name and address of the original creditor Documentation showing that I am legally obligated to pay this debt Proof that you are licensed or authorized to collect this debt in my state A copy of the original contract or agreement bearing my signature Until you provide the requested validation, please cease all collection activities and communication regarding this account.

If you can not validate this debt, please remove it from your records and from any credit reporting agencies to which it has been reported.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
Could you review this entry? Its late and might contain mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: SC

Complaint narrative:
Kikoff Lending LLCs inaccurate and deceptive reporting of a charged-off account appearing on my Experian credit report.

Kikoff reports the account as charged off and written off, while simultaneously continuing to report an outstanding balance, escalating delinquency, and pursuing repayment. Such reporting violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate or misleading. It further violates 15 U.S.C. 1681e ( b ), as the information furnished does not reflect the maximum possible accuracy required under the Fair Credit Reporting Act.

Once a debt is written off, continuing to report it as an delinquent obligation materially misrepresents the legal and accounting status of the account. This conduct constitutes false representation in connection with credit reporting and implicates 15 U.S.C. 1681s-2 ( b ) due to Kikoffs failure to reasonably investigate and correct disputed information. Additionally, reporting a debt as written off while attempting to collect on it may constitute deceptive practices under 15 U.S.C. 1681q, which prohibits knowingly and willfully obtaining or furnishing information under false pretenses. Such conduct also raises concerns under 18 U.S.C. 1341 and 1343, where false representations are transmitted through interstate credit reporting systems to induce reliance by third parties. Kikoffs actions have resulted in ongoing consumer harm by inflating my credit risk profile through materially misleading data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing several unauthorized hard inquiries that appear on my credit report. I did not apply for credit, nor did I provide written or verbal authorization to any of the companies listed below. These inquiries are inaccurate, harmful to my credit score, and violate the Fair Credit Reporting Act ( FCRA ). 

XXXX. XXXX Inquiry Date : XX/XX/2024 I have no knowledge of this inquiry and did not provide consent to XXXX. 
Accessing my credit report without a permissible purpose violates FCRA 604 ( a ).

If written authorization can not be verified, this inquiry must be deleted under FCRA 611 ( a ). 

XXXX. XXXX Inquiry Date : XX/XX/2024 I did not apply for credit with this company and did not authorize this inquiry. 
Reporting an unverifiable inquiry violates FCRA XXXX ( b ), which requires maximum possible accuracy. 
Please delete this inquiry if proper authorization can not be produced. 

XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/2024 This inquiry was not initiated by me and was made without my knowledge. 
Under FCRA 604 ( a ) ( 3 ), a credit report may only be accessed for a valid permissible purpose.

Failure to verify such purpose requires deletion under FCRA 611 ( a ) ( 5 ). 

XXXX. XXXX Inquiry Date : XX/XX/2024 I have no business relationship with this entity and did not consent to this inquiry. 
Equifax is prohibited from reporting information that can not be reasonably verified under FCRA 607 ( b ).

If authorization can not be validated, this inquiry must be removed. 

I request that CFPB require a full investigation into each inquiry and that all inquiries lacking documented consumer authorization be immediately and permanently deleted from my credit report. I also request written confirmation of the investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
I do not recognize these accounts and request that they be deleted within 15 days in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: SC

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-23 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: SC

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-23 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 bureau has demonstrated a sustained pattern of wilful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 1681n, by continuing to report information that is inaccurate and unverifiable despite multiple, properly submitted disputes over an extended period. This conduct indicates not mere negligence but a conscious disregard of statutory obligations and consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I am filing a formal complaint against Ally Financial regarding an improper lease extension billing and credit reporting threat. 

On XX/XX/2025, I requested a lease extension via phone. Ally Financial sent me the lease extension documents, which I signed and returned on XX/XX/2025 as instructed. 

Ally Financial required a check for the agreed lease extension amount, which I mailed on XX/XX/2025. Ally Financial cashed the check, which constitutes acceptance of the lease extension agreement. 

Despite accepting payment, Ally Financial later claimed that the extension was processed late due to their internal administrative delay and applied excessive charges amounting to approximately XXXX times the agreed extension amount. 

Ally Financial has also issued a written threat of negative credit reporting regarding this disputed amount. 

The delay was not caused by me. This situation constitutes an administrative error, an unfair billing practice, and a breach of contract. Furthermore, threatening or reporting negative credit information during an active dispute violates the Fair Credit Reporting Act ( FCRA ). 

I am requesting CFPB assistance to : - Remove all excessive and invalid charges - Correct my lease account balance - Ensure that no negative credit reporting occurs related to this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
When I first moved in the apartment I was not aware of a water bill. Never got one for months. All of a sudden a new company took over and started issuing water bills saying it was in the contract. But yet never got a bill. Bad enough the apartment was very small and over charging to be honest, XXXX was a lot for a small XXXX bedroom apartment plus you added water to it. So I decided to leave the complex and I did tell them I was moving out. So here we are. They slap this on my credit report third party has took over without my consent. They also had the lawyer reach out to me. This has impacted my credit report when paperwork was not included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
There is an inaccurate account on my consumer report. I've listed in my letter the account that was opened fraudulently. 


FRAUDULENT ACCOUNT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
These accounts do not belong to me, and I am requesting their removal within 15 days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Company : XXXXCitibank XXXX Reported on credit report as CBNA I was initially alerted about the fraudulent credit account on XX/XX/XXXX when I was contacted by a debt collections agency for Wayfair-Citibank ( CBNA ) XXXX The creditor informed me that a credit card was opened on XX/XX/XXXX, with a credit limit of {$2500.00}. The account was eventually closed due to no payment. With interest and fees the current amount is {$3100.00}. I requested information such as the email and phone number used when the account was opened. The email and phone number used to open the account matched my mothers information. My mom admitted she opened the accounts. Once I was alerted of this account I pulled a full credit report and found additional unauthorized accounts ( all totaling {$15000.00} ). XXXX XXXX XXXX was found for {$6000.00}, once I submitted the police report to BOA they promptly removed it from my credit report. But Citibank continued to harass me and never removed it from my credit. 

All the other companies found accepted the police report and removed it from my credit. XXXX CitiBank XXXX sent me multiple denial letters after I submitted the police report number over the phone and physically faxed it in. Its been well over 30 days. They also have continued to harass me by phone. This has caused so much continuous trauma, and mental distress. I filed the police report and stated that I want to prosecute for the fraud. I also filed multiple disputes with all three credit reporting agencies, they were all denied. It seems like the issue is that my mom opened the account and added herself as a secondary user. Please help I've done everything I know to do, this is preventing from moving of getting a vehicle.

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 2025-12-23 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:
This account is not mine and was reported incorrectly.

Company response to consumer: Closed with non-monetary relief