vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
I applied for an XXXX credit card in XX/XX/year> and was approved. However, I never received the card. When I called, I discovered a typo in my mailing address. They refused to correct it until I provided a photo of myself holding my drivers license, a copy of my Social Security card, and proof of my updated address. This process required three separate attempts because they claimed they never received the previous address. 

Its now XX/XX/year>, and I finally received my card a few business days ago. Despite this, they put a hold on my account and charged me a late fee on {$100.00} fee per my agreement for using the card starting in XXXX. I called them twice to express my concerns about being a to pay on an account that is being held by them through no fault of my own. I explained that the account was put on hold since it was opened, and my inability to use it should affect the accounts age. I argued that I shouldnt be charged for an account that has been inactive since the date of inception. 
I was unable to use the card because of their actions, and Ive been charged two late fees which has now utilize 50 % of my credit limit and will affect my credit score. I contacted the company again, but they refused to waive the late fee, citing the agreement date that {$100.00} fee will be assessed or using the credit card which I am aware of and have no problem with. The issue I have is being charged late fee on an account that was being held by them I know that its not illegal, but its considered unethical to put a hold on my account and charge me a late fees without giving me a chance to use it. 

Im asking for a resolution where they waive the late fees. Im only now getting a chance to use the card, and Im willing to make my payment starting in XXXX instead of XXXX. I feel that the date of the account being considered open the date they mailed me a card which was two weeks ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank is involved in malicious attacks on my credit file refusing to withdraw their falsified 120 late payment from my credit report. The account is paid in full, on time with a 120 late payment report as vandalism. This company is fraudulent and claims that their corporate office located in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California.They are also involved in multiple mortgage frauds and an alternate name " Citigroup Technology Inc at XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX. This company has a long history of fraud and deceit.

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 2025-12-25 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: MS

Complaint narrative:
I was in communication with this company, XXXX XXXX, several times last year advising them that I do not owe them anything. I don't know this company and I have not ever done business with them. 

This credit reporting agency has my credit report set up online where I can not dispute this account. This goes against the Fair Credit Reporting Act. Have XXXX XXXX to prove that I owe them and remove this derogatory and inaccurate information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: MS

Complaint narrative:
I was in communication with this company, XXXX XXXX, several times last year advising them that I do not owe them anything. I don't know this company and I have not ever done business with them. 

This credit reporting agency has my credit report set up online where I can not dispute this account. This goes against the Fair Credit Reporting Act. Have XXXX XXXX to prove that I owe them and remove this derogatory and inaccurate information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-12-25 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: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment First Access ( XX/XX/year> ) FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ) To whom it may concern, I am disputing an inaccurate late payment being reported on my XXXX XXXX credit card account for XX/XX/year>. 
The account history shows no valid 30-day delinquency, even if a payment was returned. A returned payment does not legally justify reporting a 30-day late unless I was 30+ days past due, which never occurred.

FCRA Violations : - 609 ( a ) ( 1 ) I request documentation and method of verification - 611 ( a ) ( 1 ) ( A ) This information is inaccurate and must be reinvestigated - 611 ( a ) ( 5 ) ( A ) Unverifiable information must be deleted - 623 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate data Requested Action : Please delete the XX/XX/year> late payment and update the account to " Pays as agreed/ Never late. '' Attached : XXXX XXXX transaction screenshot showing no 30-day delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-25 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: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
Account number XXXX was paid on XX/XX/year>. Account was paid in full {$320.00}. Account is still showing on all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint to report ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) related to inaccurate, incomplete, and unverified information being reported on my consumer credit file. I previously disputed these items directly with the credit reporting agency, however the errors remain unresolved, requiring CFPB review and intervention.

This complaint concerns incorrect personal information, inaccurately reported account payment history, and unverified credit inquiries. Despite prior notice, the furnisher and/or reporting agency has failed to conduct a reasonable investigation as required by federal law. 
INCORRECT PERSONAL INFORMATION WRONG ADDRESSES XXXX XXXX XXXX, NJ XXXX This address is inaccurate and does not belong to me. I have never resided at or used this address. Immediate removal is required. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX This address is not mine and has no connection to my credit file. Please delete this incorrect personal information. 
INACCURATE ACCOUNT REPORTING LATE PAYMENT HISTORY XXXX XXXXXXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$6900.00} Date Opened : XX/XX/XXXX The late payment history reported on this account is inaccurate. I did not make late payments as reported. This is a reporting error and violates the accuracy requirements of the FCRA. The payment history must be corrected to reflect accurate information. 
XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX  High Balance : {$650.00} Date Opened : XX/XX/XXXX The late payment notation on this account is incorrect. I dispute the accuracy of the reported payment history. Please conduct a proper investigation and correct the late payment reporting accordingly. 
UNAUTHORIZED OR UNVERIFIABLE CREDIT INQUIRIES XXXX XXXX Inquiry Date : XX/XX/XXXX I do not recall authorizing this inquiry. Please provide permissible purpose documentation or remove it. 
XXXX/ XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX This inquiry is disputed due to lack of authorization. If no permissible purpose exists under the FCRA, it must be deleted. 
Despite prior disputes, the credit reporting agency and furnishers have failed to correct or delete inaccurate information, indicating a failure to perform a reasonable reinvestigation as required by federal law. 
I respectfully request that the CFPB require the credit reporting agency and involved furnishers to fully investigate these matters and ensure all inaccurate, incomplete, or unverifiable information is corrected or deleted immediately. 
Thank you for your assistance in enforcing compliance with consumer protection laws.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: OH

Complaint narrative:
I am submitting this complaint due to inaccurate and unverifiable information appearing on my consumer credit report as a result of my personal information being compromised in a data breach. 

After reviewing my credit reports, I identified multiple accounts that I do not recognize and am unfamiliar with. Due to the exposure of my personal information, I believe these accounts XXXX be the result of identity theft or unauthorized use. 

Disputed Account Details : Creditor : XXXX XXXX Balance : {$480.00} Date Opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX : {$6700.00} Date Opened : XX/XX/XXXX Account Number : XXXX I formally disputed these accounts with the Consumer Reporting Agencies ( CRAs ) and requested proper validation of the alleged debts. To date, the CRAs and/or furnishers have failed to provide competent evidence that I am legally responsible for these accounts. The information reported remains incomplete, inaccurate, and unverified. 

I have submitted an Identity Theft Report with the Federal Trade Commission ( FTC ), which supports my claim that my personal information was exposed and misused. Because of this data breach, the continued reporting of these accounts is causing ongoing harm to my credit profile and financial standing. 

This reporting violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information 15 U.S.C. 1681s-2 ( b ) Failure of furnishers to properly investigate and verify disputed accounts 15 U.S.C. 1681c-2 Requirements regarding identity theft and blocking fraudulent information Under federal law, information that can not be verified or that results from identity theft must be blocked or removed from my consumer file. 

I am requesting that the CFPB investigate this matter and require the Consumer Reporting Agencies, XXXX XXXX, and XXXX XXXX XXXX to either provide proper validation or permanently remove these inaccurate accounts from my credit reports. 

Thank you for your assistance in protecting my consumer rights.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Sezzle Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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:
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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company 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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint to report ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) related to inaccurate, incomplete, and unverified information being reported on my consumer credit file. I previously disputed these items directly with the credit reporting agency, however the errors remain unresolved, requiring CFPB review and intervention.

This complaint concerns incorrect personal information, inaccurately reported account payment history, and unverified credit inquiries. Despite prior notice, the furnisher and/or reporting agency has failed to conduct a reasonable investigation as required by federal law.

INCORRECT PERSONAL INFORMATION WRONG ADDRESSES XXXX XXXX XXXX, NJ XXXX This address is inaccurate and does not belong to me. I have never resided at or used this address. Immediate removal is required. 
INACCURATE ACCOUNT REPORTING LATE PAYMENT HISTORY XXXX XXXXXXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$6900.00} Date Opened : XX/XX/XXXX The late payment history reported on this account is inaccurate. I did not make late payments as reported. This is a reporting error and violates the accuracy requirements of the FCRA. The payment history must be corrected to reflect accurate information. 
XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$650.00} Date Opened : XX/XX/XXXX The late payment notation on this account is incorrect. I dispute the accuracy of the reported payment history. Please conduct a proper investigation and correct the late payment reporting accordingly. 
UNAUTHORIZED OR UNVERIFIABLE CREDIT INQUIRIES XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry is not recognized and is disputed. Verification of authorization is required. 
XXXX XXXX Inquiry Date : XX/XX/XXXX I dispute this inquiry as unverified. Please validate permissible purpose or remove it from my report. 
Despite prior disputes, the credit reporting agency and furnishers have failed to correct or delete inaccurate information, indicating a failure to perform a reasonable reinvestigation as required by federal law. 
I respectfully request that the CFPB require the credit reporting agency and involved furnishers to fully investigate these matters and ensure all inaccurate, incomplete, or unverifiable information is corrected or deleted immediately. 
Thank you for your assistance in enforcing compliance with consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: DE

Complaint narrative:
I am disputing the collection account with KIKOFF LENDING LLC XXXXXXXX XXXX XXXX  This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that KIKOFF LENDING LLC provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation