vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: MA

Complaint narrative:
unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that I did not verify as required by law on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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 writing to file a formal complaint as I am a victim of fraud and identity theft. My credit report contains accounts and information that I did not authorize. These items were opened without my consent and are the result of criminal misuse of my personal information. 
I have initiated a police report to document the identity theft and to support my disputes. Despite notifying the three bureaus and requesting a reinvestigation, the fraudulent accounts remain, and no valid proof has been provided to show that these accounts belong to me. This failure to correct inaccurate and unauthorized information violates my rights under the Fair Credit Reporting Act ( FCRA ).

Therefore, I respectfully request that your agency conduct a thorough investigation into this matter and take the necessary steps to remove the disputed item within the 30-day time frame, as required by the FCRA.

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 2025-11-18 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: GA

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 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: AZ

Complaint narrative:
In early XXXX, I obtained a XXXX loan through an auto repair shop to finance necessary vehicle repairs. The loan was offered directly by the shop at an annual percentage rate of approximately 169 %. I was informed that if the balance was paid in full within 90 days, the transaction would be treated as same as cash, and no interest or additional fees would apply. 

I used the loan solely for the authorized repair charges. On [ date ], well before the expiration of the XXXX period, I paid the outstanding balance in full. After payment posted, my online account reflected a XXXX balance, with no pending charges or remaining obligations. 

Following confirmation of the XXXX balance, I requested that the creditor close my account and provide written verification showing the account was fully satisfied. On XX/XX/year>, the company declined to close the account and refused to issue written confirmation. During this process, I learned that the company routinely keeps accounts open even when paid in full and later applies additional fees or charges, despite the consumer having met all payoff terms. Given the unusually high interest rate and the companys refusal to close a zero-balance account, I am concerned that these practices create risk of improper future charges and XXXX constitute unfair or deceptive practices. 

I am submitting this complaint so that it XXXX be published on XXXX to alert other consumers to these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
This letter is my formal written request for you to investigate the following UNVERIFIED accounts listed below. According to the Fair Credit Reporting Act, 15 U.S. C 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C 1681 unverified accounts must be promptly deleted. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

I demand the following accounts be removed immediately : XXXX. XXXX XXXX XXXX ( Collection for XXXX XXXX ) Open Date : XX/XX/XXXX Balance : {$4300.00} XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$4300.00} Additionally, I dispute the following closed accounts : XXXX. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} ( Closed Account ) XXXX. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} ( Closed Account ) XXXX. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} BOTH POLICE REPORT AND FTC REPORTS ARE ATTACHED BELOW FOR REVIEW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: TX

Complaint narrative:
Kikoff Lending LLC is reporting multiple late payments and a charge-off that they can not verify with documentation. Their response to my dispute did not include a payment ledger, due dates, DOFD information, or substantiation for the late-payment sequence. This violates FCRA 1681s-2 ( b ). XXXX  updated the account without proper verification, violating 1681i.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: IL

Complaint narrative:
UPGRADE INC is falsely reporting on my credit. I have never had any accounts with them. Per my research UPGRADE INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 am not the owner of these accounts ; remove them within 15 days as dictated by USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain inaccuracies that have appeared on my TransUnion credit report. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting their immediate investigation and correction. 

Charged Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : Incorrect status and reporting. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : Incorrect reporting. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : Incorrect reporting of balance. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} Reason for Dispute : Should be marked as settled. 

( Include other accounts from the list as per your original request. ) Inquiries in Dispute : XXXX XXXX  Date : XX/XX/XXXX Reason for Dispute : Unauthorized inquiry. 

XXXX  Date : XX/XX/XXXX Reason for Dispute : Unverified inquiry. 

Late Payments in Dispute : XXXX Account Number : XXXX Reason for Dispute : Incorrect late payment history.

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 2025-11-18 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-18 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: OH

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 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am filing a complaint regarding Citibank and the Best Buy credit card related to unclear promotional financing disclosures, retroactive deferred-interest charges, and improper handling of my dispute. 

On XX/XX/XXXX, I purchased a XXXX XXXX '' Built-In Double Electric Convection Wall Oven ( Model XXXX ) from Best Buy for {$3600.00}. This appliance was placed on a 24-month deferred-interest promotional financing plan, ending in XX/XX/XXXX. 

I did not receive any clear, conspicuous, or reasonably accessible notice that the promotion was ending. I may have received general boilerplate language inside a monthly statement, but the expiration details were not highlighted, not easily identifiable, and the information inside the Best Buy/Citi portal required multiple navigation steps to locate. I did not receive any mailed or emailed notice, which I would have reasonably expected for a large appliance on long-term promotional financing. 

When the promotion expired, I was not aware of it. On XX/XX/XXXX, Citibank added a large INTEREST CHARGE ON PURCHASES of {$170.00}, which appears to be the retroactive deferred interest for the entire 24-month period. As soon as I noticed this sudden balance increase, I paid off the promotional balance immediately in good faith. 

I contacted Citibank customer service via the message center in XXXX to dispute the interest and ask for reconsideration. However, those messages have since disappeared from the portal, and I am unable to view or document the interaction. I did raise the concern more than once, but I was told the interest could not be reversed. 

Despite paying down the promotional balance promptly and making regular payments, interest continued compounding monthly at the regular APR. As of my XX/XX/XXXX statement, my balance is {$6400.00}, including {$1900.00} in interest charged in XXXX alone, even though I have not made any significant new purchases. 

I believe the deferred interest was charged because Citibank failed to provide a clear and conspicuous promotional expiration notice, as required under the Truth in Lending Act and Regulation Z, especially for a high-value appliance with a long promotional period. The reliance on an unclear portal message and buried disclosures does not meet the standard for proper notice. Additionally, deleting message-center communication impaired my ability to resolve this dispute directly with the creditor. 

I am requesting that Citibank reverse the deferred interest added after the promotional expiration and reverse the interest that accumulated as a result of the retroactive charge. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
There are many credit filings on my credit that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MD

Complaint narrative:
As per 15usc 1611 Experian XXXX XXXX XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. 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 and 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 2025-11-18 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: NY

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a XXXX XXXX XXXX XXXX, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : XXXX XXXX- XX/XX/year>,

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.

Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a XXXX XXXX XXXX XXXX, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Accounts : Account Name : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$550.00} Unauthorized Inquiries to Be Deleted : Inquiries : Account Name : XXXX XXXX XXXX of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX  XXXX of inquiry : XX/XX/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 2025-11-18 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 writing to dispute several items on my Equifax credit report that I believe to be inaccurate or incomplete. Below is a list of accounts I am disputing, as well as supporting details for each account : Charged Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} Late Payment XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-18 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:
I recently reviewed my credit report and was shocked to find I had been a XXXX XXXX XXXX XXXX. I do not recognize those accounts. Please remove them from my credit. They are hurting 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