vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Kikoff Inc.
State: NH

Complaint narrative:
Using Kikoff Lending LLC, ( XXXX XXXX ), I cancelled service as of XX/XX/year> prior to new billing cycle on XXXX XXXX, however the company proceeded to charge as if the plan was cancelled a day into the new billing cycle. The difference from the plan that I downgraded to and the one I was charged is {$30.00}. I have tried to resolve this issue with the company, through their support, and I have been met with nothing but obstruction. Having paid for their services with credit repair for the last 7 months, I feel like their marketing was deceptive, and the results that they advertise were not delivered, and beyond that they certainly were not commiserate with the money charged. Trying to cancelled or change the service has been met with nothing but difficulties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccurate information being reported by the Credit Information Corporation ( CIC ) regarding my consumer report. Specifically, I have identified an incorrect address that has been reported and I request immediate correction or deletion in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referenced in 15 USC 1681. 

The address in question is [ Incorrect Address ]. This information is not accurate and is affecting my credit report adversely. 

Under 15 USC 1681i, CIC is required to investigate my dispute within 30 days and to remove or correct the inaccurate information if found to be incorrect. I assert that the address listed above does not pertain to me and must be deleted from my consumer report immediately.

Please ensure that CIC addresses this matter with the urgency it requires and keeps me updated on the status of my dispute. I appreciate your attention to this issue and 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 explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I am writing regarding the significant delay in processing our VA assumable loan sale for XXXXXXXX XXXX XXXXXXXX. The sellers and buyers signed the sales contract on XX/XX/year>, and immediately began the loan assumption process with M & T Bank. 
Below is a summary of key dates and events : XX/XX/year> : Sales contract executed and assumption process initiated. 
XX/XX/year> : Loan Officer confirmed the buyers began their application. 
XX/XX/year> : Buyers received pre-approval and submitted their complete application. 
XX/XX/year> : Buyers notified us their application was in processing with an expected closing of XX/XX/year>. 
XX/XX/year> : Buyers forwarded their formal loan approval. 
XX/XX/year> : Loan Officer advised that the underwriter has not yet issued a clear to close, making it unlikely we will meet the XX/XX/XXXX closing date. He further stated that VA assumption closings are scheduled approximately 10 days out, which would push the earliest possible closing to XX/XX/year>, assuming approval occurred yesterday. 
According to VA XXXX XXXX, VA loan assumptions are to be processed within 45 days of receipt of a complete application. The buyers completed application was submitted on XX/XX/XXXX, XXXX 105 days agoand the file still has not reached clear to close. 
Both the buyers and sellers have responded promptly to every request from underwriting. This extended delay is now far beyond reasonable expectations and contrary to VA guidance. It has placed unnecessary strain on all parties and created uncertainty in the transaction. 
I am formally requesting that our file ( XXXX XXXX ) be flagged for expedited review and priority processing to meet the established closing date of 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 explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
Citizens Bank has failed to issue a provisional credit for my active billing dispute in violation of the Fair Credit Billing Act ( 12 CFR 1026.13 ).

I filed a dispute on my Citizens XXXX XXXX credit card ( Ref # : XXXX ) on XX/XX/year>. 

The bank requested additional documentation, which I submitted in full and was confirmed received by Citizens on XX/XX/year>. As of today ( XX/XX/year> ), it has been more than ten business days since all required information was received, and the claim remains under investigation with no provisional credit issued. 

Under 12 CFR 1026.13 ( c ) ( d ), once sufficient documentation has been received and the investigation is ongoing, the creditor must either resolve the dispute or issue a provisional credit. Federal regulators interpret promptly as within approximately ten business days after receipt of all necessary documentation.

Despite multiple follow-ups with Citizens Banks dispute representatives and the Office of the Consumer , I have been repeatedly told that provisional credits are not issued for credit cards, which contradicts Regulation Z. 

I am requesting that the CFPB ensure Citizens Bank complies with the Fair Credit Billing Act by : Issuing the provisional credit immediately for the disputed amount Confirming no interest, fees, or negative credit reporting will occur during the dispute Providing written confirmation that the account is being handled in compliance with federal billing-error procedures Timeline of Events : XX/XX/year>XXXX  Dispute filed XX/XX/year>XXXX  All requested documents submitted and confirmed received XX/XX/year> Over ten business days later, no provisional credit issued I have correspondened and called showing repeated attempts to resolve this directly with Citizens Bank .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-17 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: OK

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-17 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am writing to formally request immediate action regarding the incorrect credit reporting associated with my account. The account is being reported under the name TD BankXXXX, and the information appearing on my credit report is inaccurate. 

In XX/XX/year>, I paid the agreed-upon settlement in full to the attorney 's office representing your organization. Despite fulfilling my obligation, the negative reporting remains on my credit file, which is both misleading and damaging. 

I have already contacted TD BankXXXX as this is the entity listed on my credit report. However, as the payment was made through your attorney 's office, I am requesting your urgent assistance in ensuring the record is updated accurately with the credit bureaus. 

Please consider this letter a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that this matter be resolved within 30 days to avoid further action. If this issue is not corrected promptly, I will be forced to pursue litigation and file a formal complaint with the Attorney Generals Office and the Consumer Financial Protection Bureau ( CFPB ). 

I should not have to contact anyone other than the REPORTING ENTITY, which is TD BankXXXX 

It's your duty and responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-17 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-17 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 officially requesting the removal of this incorrect account from my credit report, as I did not authorize its establishment or usage. Supporting documentation is included to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am submitting this complaint because my credit report contains outdated and inaccurate information. Specifically, old addresses and past employment listings that are no longer valid and should not appear on my current report. 

I have already contacted all three credit reporting agencies directly XXXX XXXX XXXX XXXX to request these updates. Despite providing proof, the old information remains listed which could cause confusion and affect my credit verification process. The following items need to be corrected and removed : OLD ADDRESSES : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX * XXXX XXXX XXXX XXXX MI XXXX * XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  MI XXXX * XXXX XXXX XXXX XXXX XXXX MI XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX * XXXX XXXX XXXX XXXX MI XXXX * XXXX XXXX XXXX XXXX MI XXXX OLD EMPLOYMENT : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are inaccurate because I no longer reside or work at these locations. Under the Fair Credit Reporting Act ( FCRA ) consumer reporting agencies must ensure that the information they report is accurate and up to date. Because these personal details are outdated and unverifiable, I request that the agencies remove them from my credit report immediately. 

I would appreciate confirmation once these corrections have been made. 

XXXX XXXX XXXX Friday, XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
I am a victim of identity theft and would like these accounts removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
I am a victim of identity theft and would like these accounts removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: NY

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-17 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: NY

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

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 2025-10-17 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: NY

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company response to consumer: Closed with non-monetary relief