vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 2025-06-26 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-26 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: GA

Complaint narrative:
CFPB Complaint Kikoff Lending Complainant Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  Address : [ Your Full Address ] Complaint Summary : I am the victim of identity theft and am filing this complaint against Kikoff Lending for their continued reporting of a fraudulent tradeline that was previously deleted. Kikoff has unlawfully reinserted the same tradeline not once, but twice, without notification or legitimate basis. I have no relationship with Kikoff Lending and never opened an account with them.

Facts and Timeline : - I previously submitted an identity theft report, photo ID, and dispute affidavit to Kikoff and the credit bureaus.

- The Kikoff account was deleted from my credit reports as a result of that dispute. 
- Within the past 6 months, Kikoff reinserted the same tradeline twice without providing notice or justification.

- I received no reinsertion notice as required by law.

- This tradeline continues to damage my credit profile unjustly.

Violations of Federal Law : 1. FCRA 605B Failure to Block Identity Theft Information 2. FCRA 611 ( a ) ( 5 ) ( B ) Illegal Reinsertion Without Notice 3. FCRA 611 ( a ) ( 5 ) ( C ) Lack of Certification of Accuracy 4. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information 5. FCRA 623 ( a ) ( 6 ) ( B ) Continuing to Report Blocked Info 6. FCRA 604 No Permissible Purpose Requested Relief : - Immediately investigate Kikoff Lending for unlawful reinsertion and identity theft violations.

- Permanently delete this tradeline from all credit bureaus XXXX XXXX XXXX XXXX XXXX 
- Impose civil penalties and sanctions for repeated violations of the FCRA. 
- Require Kikoff to produce all records supporting the reinsertion and to show proof of any permissible purpose.

- Flag Kikoff as a high-risk furnisher to prevent future abuse of the credit reporting system.

Supporting Documents to Be Uploaded : - Identity Theft Report ( FTC affidavit or police report ) - Government-issued photo ID - Prior deletion acknowledgment - Current credit report showing reinsertion - Copies of mailed disputes and delivery confirmation Respectfully submitted, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TX

Complaint narrative:
Good morning, This is my second complaint regarding Simmons Bank in recent weeks ( Complaint ID : XXXX submitted on XX/XX/XXXX ). I own 50 % stake in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and noticed 2 UCC filings on my business credit report ( Filing Number : XXXX & XXXX ). I asked our officer at the bank for an explanation, but he replied that he could not assist me with any information. I went into the bank and asked the teller, and she said the only document she could see on her end is a XXXX XXXX XXXX filed on XX/XX/XXXX which I had no knowledge of either. She could not provide me any information as to why this was filed.

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 2025-06-26 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:
XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-06-26 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: CA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Community Health Investment Company, LLC.
State: TN

Complaint narrative:
I went to the XXXX on XX/XX/year>. I was not made aware of any outstanding bill until it had already been sent to collections. The hospital sent the bill to the wrong mailing address, so I never received a statement or notice, and I was not contacted by phone or email. As a result, I was never given an opportunity to review, dispute, or negotiate the charges. 

When I eventually learned about the collections account, I requested that the hospital recall the debt so I could resolve it directly, but they refused to speak with me since the account had been transferred to collections. The collections agency is refusing to settle for less than 35 % of the inflated total. 

The original charges included {$8800.00} for a XXXX XXXX and {$720.00} for XXXX XXXX XXXXfar above market ratesand I would have disputed or negotiated these had I received a bill. The situation feels unfair and predatory. I am asking that the debt be recalled so I can settle directly and that the collection be removed from my record due to the hospitals mailing error and failure to notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as my formal dispute and legal notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 Compliance Standards. I am contesting the accuracy, validity, and legality of the following public record reported on my credit profile : Public Record Being Challenged : Federal XXXX This account is being reported without any verified, factual evidence, and I have received no prior written notice of its reporting or reinsertion if it had been previously deleted, as required under FCRA 611 ( a ) ( 5 ) ( B ). This failure constitutes a violation of my rights under federal law.

I demand that you provide tangible, physical, and verifiable documentation proving : The legal existence of this record, Its permissible purpose under FCRA 1681b, That it was reported in compliance with Metro 2 Format, including accurate, timely, and complete data field submissions.

If you can not provide this evidence within the required 30-day window, I insist that this account be permanently deleted from my credit file across all reporting agencies. Any continued reporting of unverifiable or misleading information will be viewed as willful noncompliance, for which I reserve the right to pursue legal remedies under FCRA 616 and 617, including damages up to {$1000.00} or more.

Further, if this public record was reinserted after deletion, you were required by law to notify me in writing within five ( 5 ) business days of reinsertion. If no such notice was provided, this is another clear violation of FCRA and will be included in any regulatory complaints or legal filings I may pursue.

I hereby authorize you to send me a physical copy of all findings and actions taken as a result of this dispute, including an updated credit report reflecting the deletion of any unverifiable or inaccurate data.

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NE

Complaint narrative:
Im writing to bring your immediate attention to multiple inaccurate and misleading entries currently being reported on my credit file. After reviewing my credit report, Ive found information that is either completely incorrect, outdated, or misattributed and I am demanding a full investigation and prompt correction.

Let me be clear : this isnt a vague dispute or a misunderstanding. The errors Im referring to are specific, harmful, and legally unacceptable. These inaccuracies are actively damaging my credit reputation and interfering with my ability to secure fair access to financial products something Ive worked hard to maintain and protect.

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 2025-06-26 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: GA

Complaint narrative:
Please help me investigate accounts from these companies that inaccurately show late payments on my credit report. I have checked my report and found some accounts with incorrect late payment notations. These accounts should have no late payment remarks. Kindly remove these remarks and update the accounts as agreed to positive status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Debt Collection Dispute and Request for Verification Dear Sir/Madam, I am writing to formally dispute the collection account referenced by account number which appears on my credit report. This letter serves as a request for validation and verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under 15 U.S.C. 1692g, I am entitled to request verification of the debt. I require that you provide documented evidence detailing the following : 1. Original Creditor : Complete name and address of the original creditor.

2. Verification of the Debt : A full accounting of the debt amount, including itemized charges.

3. Proof of Your Authority : Documentation proving that you have authority to collect this debt on behalf of the original creditor.

Additionally, under 15 U.S.C. 1681i of the FCRA, any information reported must be complete and accurate. I request that your business ensures that any erroneous or unverifiable information is removed from my credit reports.

Until you can produce evidence validating this debt, I am requesting that you cease collection activities under 15 U.S.C. 1692c and stop reporting this account to the credit bureaus.

I expect a thorough investigation and a full response within the 30-day period as specified by federal law. 

XXXX & XXXX XX/XX/XXXX Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-06-26 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: SC

Complaint narrative:
My Experian report shows accounts that are not mine or that I am legally responsible for. 

I disputed my XXXX  account which I am no longer an authorized user. 

XXXX XXXX XXXX XXXX XXXX  accounts have been written off and paid off and dont belong to me anymore and should be removed from my 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Im writing to demand the immediate removal of a fraudulent account that has appeared on my credit report. This account was opened without my knowledge or consent and is a direct result of unauthorized use of my identity.

Let me be absolutely clear : I did not apply for, open, or authorize this account in any way, shape, or form. I have no affiliation with the company behind it, and Ive never had any communication or relationship with them. The presence of this account on my credit file is the result of identity theft plain and simple and it is both inaccurate and damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$2300.00} INQUIRIES : XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Date : 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